View ValuationU.S. Bancorp 향후 성장Future 기준 점검 2/6U.S. Bancorp (는) 각각 연간 5.3% 및 8.3% 수익과 수익이 증가할 것으로 예상됩니다. EPS는 연간 7.6% 만큼 성장할 것으로 예상됩니다. 자기자본이익률은 3년 후 13.2% 로 예상됩니다.핵심 정보5.3%이익 성장률7.65%EPS 성장률Banks 이익 성장5.9%매출 성장률8.3%향후 자기자본이익률13.20%애널리스트 커버리지Good마지막 업데이트08 May 2026최근 향후 성장 업데이트업데이트 없음모든 업데이트 보기Recent updates공시 • Apr 02U.S. Bancorp to Report Q1, 2026 Results on Apr 16, 2026U.S. Bancorp announced that they will report Q1, 2026 results Pre-Market on Apr 16, 2026공시 • Mar 27U.S. Bancorp Announces Appointment of Toby Clements as Senior Executive Vice President and Chief Operations Officer, Effective April 13, 2026U.S. Bancorp announced that Toby Clements will become its new senior executive vice president and chief operations officer. In this role, Clements will oversee the company’s client service centers and global operations teams, leading more than 16,000 employees. He will report directly to U.S. Bancorp Chief Executive Officer Gunjan Kedia effective April 13, 2026. Clements will join the company’s managing committee and succeed Souheil Badran, who announced his retirement from the company earlier this year. Clements came to U.S. Bank in 2017, serving as an executive officer in the European operations. For the past year, he led the organization’s client service centers. Prior to joining the company, Clements worked in executive roles at PTSB in Dublin and Tesco Bank in Edinburgh. He also has experience in consulting and strategy at Navigant and Barclays in London. He holds a bachelor of laws degree from University of Southampton and a global master of business administration degree from INSEAD.공시 • Mar 25U.S. Bank Announces Continued Product Enhancements for Its Avvance Point-Of-Sale Lending PlatformU.S. Bank announced continued product enhancements for its Avvance point-of-sale lending platform with new longer-term loan options designed for larger home improvement projects. The new loan options – including six- and seven-year terms – are designed to support financing needs for higher-cost home improvement projects. These extended terms provide homeowners with greater payment flexibility while helping contractors and service providers improve affordability and conversion at the point of sale. In addition to product enhancements, Avvance is also growing its network of integrated partners – recently signing Skeps, a multi-lender orchestration platform that enables merchants to optimize financing outcomes by matching customers with the most appropriate offers across multiple lenders. The addition of Avvance to Skeps collection of lending partners, puts Avvance in the hands of more merchants who want to provide flexible financing at the point of need and within their customer checkout and decision-making workflows. When using Avvance, integrated partners can embed bank-built lending directly into their platforms through flexible APIs and integration options. As Avvance expands its partner ecosystem and loan term offerings, it continues to help merchants deliver simple, scalable financing that improves access and affordability at the point of purchase. Avvance supports point-of-sale financing across multiple segments—including home improvement, audiology, elective healthcare, and other large-ticket categories—so partners can offer trusted financing wherever customers are making important purchasing decisions. This latest partner integration and product enhancement builds on Avvance’s continued expansion of its embedded financing network, reinforcing U.S. Bank’s focus on delivering practical, API-driven lending solutions that integrate directly into partner platforms and merchant workflows.공시 • Mar 17U.S. Bancorp Announces Appointment of Alan Flanagan as Head of Global Investment ServicesU.S. Bancorp announced that veteran securities executive Alan Flanagan has joined the bank as head of Global Investment Services, a division comprising Global Fund Services and Global Corporate Trust. In this role, Flanagan will lead a global team that combines industry-leading expertise with superior client service to offer customized product solutions for alternative investments, mutual funds, exchange-traded products, collateralized loan obligations (CLOs), structured finance, and corporate, escrow and municipal trust services. Flanagan will be a member of the senior leadership team for U.S. Bank’s Wealth, Corporate, Commercial and Institutional Banking business line and will be based in New York. Flanagan spent nearly two decades at BNY, where he held senior leadership roles across asset servicing, fund services and alternative investments, leading global businesses and driving sustainable growth. Most recently, he served as global head of client coverage for BNY’s asset servicing division, overseeing relationship management for the firm. Prior to BNY, Alan held roles at UBS, CIBC and KPMG, giving him broad experience across business development, operations and financial services. Flanagan is a fellow of the Institute of Chartered Accountants, Ireland and holds a chartered director in corporate governance and corporate strategy from the Institute of Directors, UK.공시 • Mar 12U.S. Bancorp, Annual General Meeting, Apr 21, 2026U.S. Bancorp, Annual General Meeting, Apr 21, 2026.공시 • Mar 11U.S. Bancorp Declares Quarterly Dividends, Payable on April 15, 2026The Board of Directors of U.S. Bancorp has declared a regular quarterly dividend of $0.52 per common share, payable April 15, 2026, to stockholders of record at the close of business on March 31, 2026. At this quarterly dividend rate, the annual dividend is equivalent to $2.08 per common share.공시 • Mar 10U.S. Bancorp Appoints Ryan K. Nelson as President of Emerging Affluent Wealth ManagementU.S. Bancorp announced that Ryan K. Nelson is the new President of Emerging Affluent Wealth Management. In this newly created role, Nelson will spearhead the strategy for beginning investors for Wealth Management and will lead teams focused on bringing integrated offerings and digital experiences to beginning investors, with a goal of providing investing tools for anyone who may need them. Nelson has 30 years of financial services experience, and most recently served as U.S. Bank’s East Regional Executive for Private Wealth Management. Prior to working at U.S. Bank, Nelson worked with Zions Bank, where he was region president; and also held roles at JPMorgan Chase, Wells Fargo, and Fidelity.Reported Earnings • Feb 25Full year 2025 earnings released: EPS: US$4.62 (vs US$3.79 in FY 2024)Full year 2025 results: EPS: US$4.62 (up from US$3.79 in FY 2024). Revenue: US$26.4b (up 5.0% from FY 2024). Net income: US$7.19b (up 22% from FY 2024). Profit margin: 27% (up from 24% in FY 2024). Net interest margin (NIM): 2.72% (up from 2.70% in FY 2024). Cost-to-income ratio: 58.6% (down from 62.3% in FY 2024). Non-performing loans: 0.40% (down from 0.47% in FY 2024). Revenue is forecast to grow 8.2% p.a. on average during the next 3 years, compared to a 5.6% growth forecast for the Banks industry in Italy. Over the last 3 years on average, earnings per share has increased by 8% per year but the company’s share price has only increased by 2% per year, which means it is significantly lagging earnings growth.Recent Insider Transactions • Feb 13Insider recently sold €865k worth of stockOn the 6th of February, Mark Runkel sold around 17k shares on-market at roughly €51.34 per share. This transaction amounted to 14% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of €3.4m more than they bought in the last 12 months.공시 • Feb 04U.S. Bancorp Appoints Raj Gazula as Chief Administrative OfficerU.S. Bancorp announced that Raj Gazula has also joined the bank to lead strategy and serve as the Chief Administrative Officer for PMI. Gazula brings nearly 30 years of experience to the role, with deep payments and strategy experience. He led Wholesale Payments at Truist including treasury solutions, merchant acquiring and commercial cards. Prior to that, he led the strategy and transformation work for the Corporate and Institutional Group when Sun Trust integrated with BB&T. Gazula is based in Atlanta. Both Geronimo and Gazula will report to Mark Runkel, vice chair and head of PMI at U.S. Bank.공시 • Jan 30U.S. Bancorp Announces Souheil Badran to Retire as Senior Executive Vice President and Chief Operations OfficerU.S. Bancorp announced on January 29, 2026 that Souheil Badran, its senior executive vice president and chief operations officer, will retire from the bank this spring. Badran joined the organization in late 2022, bringing diverse experience across the payments, software and wealth management industries. He provided an active and influential voice during his tenure at U.S. Bancorp, shaping the current strategy of the company’s operations organization and leading efforts to bring automation, artificial intelligence and efficiency to its contact centers and related functions. The company has a robust succession planning program in place and will activate and implement that as Badran prepares for his retirement. He intends to assist with the leadership transition to accommodate a disciplined process.공시 • Jan 28U.S. Bancorp Announces Board Changes, Effective from April 21, 2026On January 27, 2026, Andrew Cecere, Chairman of the Board of Directors (the “Board”) of U.S. Bancorp (the “Company”), informed the Board that he does not intend to stand for re-election to the Company’s Board following expiration of his current term at the Company’s 2026 Annual Meeting of Shareholders. Mr. Cecere’s decision not to stand for re-election was for personal reasons following his dedicated service to the Company for 40 years and not due to any disagreement with the Company on any matter relating to the Company’s operations, policies or practices. Cecere’s retirement culminates a career of more than 40 years in financial services. Gunjan Kedia, the Company’s Chief Executive Officer and President and a member of the Board, has been elected by the Board to serve as Chairman, in addition to her current responsibilities, effective upon Mr. Cecere’s retirement from the Board on April 21, 2026. Kedia, 55, joined U.S. Bancorp in 2016 and was named CEO in April 2025, after serving as president and previously leading the company’s Wealth, Corporate, Commercial and Institutional Banking business. She has more than 30 years of financial services experience, working in global executive positions at State Street Financial and BNY, as well has holding leadership roles at McKinsey and Company and PwC. She holds a master’s degree in business administration with distinction from Carnegie Mellon University and a bachelor’s degree in engineering, also with distinction, from the Delhi School of Engineering. She sits on the board of directors for PBS, American Red Cross and Carnegie Mellon Business School.Reported Earnings • Jan 21Full year 2025 earnings released: EPS: US$4.86 (vs US$3.79 in FY 2024)Full year 2025 results: EPS: US$4.86 (up from US$3.79 in FY 2024). Revenue: US$26.4b (up 5.0% from FY 2024). Net income: US$7.57b (up 28% from FY 2024). Profit margin: 29% (up from 24% in FY 2024). The increase in margin was primarily driven by higher revenue. Revenue is forecast to grow 9.6% p.a. on average during the next 2 years, compared to a 5.3% growth forecast for the Banks industry in Italy. Over the last 3 years on average, earnings per share has increased by 9% per year but the company’s share price has only increased by 1% per year, which means it is significantly lagging earnings growth.공시 • Jan 13U.S. Bancorp (NYSE:USB) entered into a definitive agreement to acquire BTIG, LLC from Condor Trading LP for $1 billion.U.S. Bancorp (NYSE:USB) entered into a definitive agreement to acquire BTIG, LLC from Condor Trading LP for $1 billion on January 12, 2026. The consideration consists of payment of $725 million ($362.5 million of cash and 6,600,594 shares of common stock) to be paid at closing and additional $275 million of cash consideration payable over three years, subject to achievement of defined performance targets. Following the transaction, the BTIG leadership team will join U.S. Bancorp and continue to lead the business going forward. LeRoy – a key architect of BTIG’s expansion since joining the firm in 2008 – will remain CEO of BTIG, reporting to Stephen Philipson, Vice Chair and Head of Wealth, Corporate, Commercial and Institutional Banking at U.S. Bancorp. BTIG Co-Founder and Executive Chairman Steven Starker will continue his current day-to-day role of engaging and interacting with BTIG’s largest institutional and corporate clients and driving business development across all department. The transaction is expected to close in the second quarter of 2026, subject to regulatory approvals and satisfaction of applicable closing conditions. Goldman Sachs & Co. LLC and Sheumack & Co. GMA, LLC acted as financial advisor for BTIG, LLC. Rachael G. Coffey, Christopher M. Gandia, Peter Martelli, Jimin He and Christian O. Nagler of Kirkland & Ellis LLP acted as legal advisor for BTIG, LLC. Sullivan & Cromwell LLP acted as legal advisor for U.S. Bancorp.공시 • Jan 06U.S. Bancorp to Report Q4, 2025 Results on Jan 20, 2026U.S. Bancorp announced that they will report Q4, 2025 results Pre-Market on Jan 20, 2026Declared Dividend • Dec 12Dividend of US$0.52 announcedShareholders will receive a dividend of US$0.52. Ex-date: 30th December 2025 Payment date: 15th January 2026 Dividend yield will be 3.0%, which is lower than the industry average of 5.8%. Sustainability & Growth Dividend is well covered by earnings (46% payout ratio) and is expected to be well covered in 3 years' time (42% forecast payout ratio). The dividend has increased by an average of 7.8% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 26% over the next 3 years, which should provide support to the dividend and adequate earnings cover.공시 • Dec 10U.S. Bancorp Declares Quarterly Dividends, Payable on January 15, 2026The Board of Directors of U.S. Bancorp has declared a regular quarterly dividend of $0.52 per common share, payable January 15, 2026, to stockholders of record at the close of business on December 31, 2025. At this quarterly dividend rate, the annual dividend is equivalent to $2.08 per common share.Reported Earnings • Nov 07Third quarter 2025 earnings released: EPS: US$1.22 (vs US$1.03 in 3Q 2024)Third quarter 2025 results: EPS: US$1.22 (up from US$1.03 in 3Q 2024). Revenue: US$6.73b (up 7.2% from 3Q 2024). Net income: US$1.89b (up 18% from 3Q 2024). Profit margin: 28% (up from 26% in 3Q 2024). The increase in margin was driven by higher revenue. Revenue is forecast to grow 7.1% p.a. on average during the next 3 years, compared to a 5.2% growth forecast for the Banks industry in Italy. Over the last 3 years on average, earnings per share has increased by 3% per year whereas the company’s share price has fallen by 2% per year.공시 • Nov 06U.S. Bank Launches Split™? World Mastercard®?U.S. Bank announced a new kind of credit card that enables automatic no-fee, no interest equal monthly payments on all purchases: the U.S. Bank Split™? World Mastercard®?. Split Card introduces a new alternative to traditional Buy Now, Pay Later options - a single solution to manage multiple pay-over-time plans that is backed by a major bank, providing valuable consumer protections and the ability to build credit. The Split Card can be used to shop in-store or online everywhere Mastercard is accepted, and every purchase is automatically split into a three-month payment plan with no interest or annual fee. Cardholders can also choose to extend payment plans to six or 12 months for larger purchases for a small, fixed monthly plan fee. Here's how the Split Card works: Use the Split Card to shop anywhere Mastercard is accepted. All purchases are automatically split into a three- month payment plan, with no monthly fees and no interest. For large purchases of $100 or more, cardholders can also choose to extend the payment plan to six or 12 months for a small, fixed monthly Plan fee. Cardholders can easily manage and track each purchase plan with a simple and transparent dashboard in the U.S. Bank Mobile App and online banking. The Split Card has no APR or annual fee and comes with Mastercard World benefits including built-in travel, entertainment, shopping and protection benefits. Split Card is the latest U.S. Bank product to provide installment plan repayment options. In 2021, U.S. Bank ExtendPay®? launched, providing consumer and business cardholders the ability to move eligible transactions to equal monthly payments. With Split Card, all purchases are automatically split into three equal monthly payments with no interest and no fees, eliminating any extra steps after each purchase.공시 • Nov 04U.S. Bank Launches Edward Jones Co-Branded Products, Expanding Reach to Millions of New CustomersU.S. Bank announced that its co-branded checking and credit card products, Edward Jones®? Everyday Solutions Powered by U.S. Bank®?, are now available to Edward Jones clients through its network of more than 20,000 financial advisors. The strategic alliance, first announced last year, allows U.S. Bank products to be introduced to a new segment of clients through the existing infrastructure of Edward Jones, a leading financial services firm serving 9 million clients across North America. The new co-branded product offering available to U.S.-based Edward Jones clients allows them to manage their everyday spending and investments - all in one digital platform. In turn, Edward Jones financial advisors have a clearer view of their clients' finances to provide more personalized guidance and offer more complete financial solutions. The full suite of co-branded banking tools now available include Edward Jones Everyday Solutions Checking powered by U.S. Bank, a checking account that provides valuable rewards, flexible benefits and meaningful feewaivers and three new consumer and business credit card products. Credit card products include: Edward Jones®? Everyday Solutions Triple Rewards World Elite Mastercard®?; Edward Jones®? Everyday Solutions Flex Balance Mastercard®?; and Edward Jones®? Everyday Solutions Business World Elite Mastercard®?. Each card offers a distinct value proposition, designed to meet a range of client goals and needs through tailored rewards, benefits, and introductory offers. Over time, the alliance is expected to expand to include additional U.S. Bank products and services available to Edward Jones clients.공시 • Oct 28U.S. Bank Rolls Out New SinglePoint Experience to BusinessesU.S. Bank is rolling out the next generation of SinglePoint, its market leading, highly intuitive and efficient treasury management platform. Designed for businesses of all sizes, the enhanced SinglePoint makes it easy for clients to manage their liquidity, cash flow and financial risk with greater insight and efficiency. SinglePoint is part of U.S. Bank's suite of digital connectivity and open-banking solutions. SinglePoint is often a daily point of entry for businesses to manage their payables, receivables, liquidity, fraud mitigation, international banking and foreign exchange. The new and innovative version of SinglePoint reduces manual work, delivers actionable insights, optimizes common user flows, and helps clients uncover operational blind spots like never before. Features include: Configurable, persona-based dashboards and user flows that were curated based on years of research to allow clients to access key data and business functions more easily. Highly automated processes that reduce manual effort in routine tasks like payments, reconciliation, and account management. Award-winning digital onboarding plus do-it-yourself tools to reduce administrative delays. Centralized reporting functions in one place that are easy to search and provide a consistent experience across workflows. The account management experience is now even more efficient with custom account groupings, new statement types, extended retention and bulk downloads. Streamlined payments workflows across multiple payment methods including faster payment options and foreign exchange, streamlining initiation and tracking. Enhanced risk management and fraud protection with strong, automated controls and approved workflows to reduce the risk of fraudulent payments. Improved interface and technology that delivers consistent experience no matter what device is used to access SinglePoint. Flexibility, scalability and integration through APIs to embed SinglePoint in other software.공시 • Oct 23US Bank Announces Promotion of Heather Kesner as First Head of Small Business BankingUS Bank has announced a promotion. The firm has promoted Heather Kesner, its former branch and small business executive for the East region. She is to serve as the first head of small business banking. Kesner will remain in Charlotte and oversee a team of 650 small banking specialists. Kesner has more than 25 years of industry experience.공시 • Oct 22U.S. Bank Avvance Launches Customized Embedded Financing OfferingFinancial institutions and fintechs are now able to offer their customers simple, flexible embedded financing options that are tailored to their brand and experience thanks to the new U.S. Bank Avvance developer portal experience. Built for partnerships, the program's new developer portal experience enables institutions to embed point-of-sale financing directly into their platforms. New API-driven integration options allow partners to customize the experience to their business customers' needs. The new developer portal offers options for integrated partners ranging from low code to full headless integration options. With Avvance, merchants can offer loans from $300 to $25,000 with flexible terms ranging from three to 60 months: Leverage U.S. Bank's trusted brand and comprehensive infrastructure - from merchant relationships to online banking, disputes and reporting; Design financing your way with robust modular APIs and try-before-you-buy options - no upfront development investment is needed; Partner with dedicated solution engineers and strategic advisors committed to your implementation success. One of the first integrated partners to leverage this capability is LendPro, a leading waterfall-based consumer finance platform for retailers. This early adoption supports LendPro's commitment to delivering seamless, embedded financing experiences for merchants and consumers alike. Designed to facilitate integration, Avvance maximizes flexibility to access a dedicated merchant portal with all the Avvance functionalities, including marketing materials, invoicing, pricing management and transaction tracking. U.S. Bank manages the consumer loan application process. These new capabilities with Avvance are part of the award-winning U.S. Bank Developer Portal, which features a robust suite of more than 40 financial APIs for consumer, business and corporate needs, making it easy for developers to explore, learn and integrate with API solutions offered by U.S. Bank. From account information to lending, cards, payments, treasury management and more, the Portal makes it easy for businesses and institutions to drive growth through the power of APIs.공시 • Oct 17Scott+Scott Files Lawsuit Against Jpmorgan Chase, Bank of America, Wells Fargo, Citibank, U.S. Bank, Pnc, and TruistScott+Scott Attorneys at Law LLP filed a class action lawsuit on behalf of two California and Colorado residents against some of the nation’s leading banks, including JPMorgan Chase, Bank of America, Wells Fargo, Citibank, U.S. Bank, PNC, and Truist. The lawsuit of nationwide significance was filed in the United States District Court for the District of Connecticut and alleges that the largest U.S. banks conspired to fix, raise, and stabilize the rate charged to their most creditworthy customers for short-term loans, commonly referred to as “prime rates.” These prime rates, which control the interest rates on millions of consumer and small-business loans, are collected and regularly published by The Wall Street Journal as the Wall Street Journal Prime Rate (“WSJ Prime Rate”). The WSJ Prime Rate, in turn, governs the interest rates most Americans pay on their credit cards and home equity loans. The litigation alleges that by coordinating their interest rates for prime customers, defendant banks not only charged their prime loan customers supracompetitive rates, but also artificially inflated interest rates for millionsof loans explicitly tied to the WSJ Prime Rate, reaping billions in profits. The antitrust class action lawsuit alleges conspiracy and rate fixing related to a variety of financial products, including HELOC (Home Equity Lines of Credit) and Consumer Credit Cards. The case is: Normandin et al. v. JP Morgan Chase Bank, N. A et al. No. 3:25-cv-01749, (D. CT).공시 • Oct 16U.S. Bancorp Reports Net Charge-Offs for the Third Quarter Ended September 30, 2025U.S. Bancorp reported net charge-offs for the third quarter ended September 30, 2025. For the quarter, the company reported total net charge-offs of $536 million against $564 million a year ago.공시 • Oct 02U.S. Bancorp to Report Q3, 2025 Results on Oct 16, 2025U.S. Bancorp announced that they will report Q3, 2025 results Pre-Market on Oct 16, 2025공시 • Sep 30U.S. Bancorp Appoints Jodi Rolland as President, Affluent Wealth ManagementU.S. Bancorp announced that on September 22, 2025, veteran wealth management leader Jodi Rolland joined the company as President, Affluent Wealth Management. In this role, Rolland oversees the nationwide network of U.S. Bank Wealth Management Affluent financial professionals of U.S. Bank and its affiliates, U.S. Bancorp Investments (USBI) and U.S. Bancorp Advisors (USBA). Rolland has more than 25 years of industry experience, leading wealth management teams and developing successful growth strategies. She was most recently at JPMorgan Chase, where she served as managing director, divisional director for consumer banking, overseeing all retail banking operations for the Greater West region. Prior to this role, Rolland spent more than two decades at Bank of America Merrill Lynch, where she held a variety of wealth management leadership roles and at one point led a large team of commercial bankers. Rolland holds a Bachelor of Arts in Financial Management, graduating magna cum laude, from the University of North Dakota. She’s featured in Tommy Spaulding’s New York Times bestseller, “The Heart-Led Leader,” and in various business publications. Rolland serves on the University of North Dakota Foundation board and previously served as a board member for the Garth Brooks Touch ’Em All Foundation in Denver and Habitat for Humanity in Denver.공시 • Sep 10U.S. Bancorp Declares Regular Quarterly Dividend on Common Share, Payable October 15, 2025The Board of Directors of U.S. Bancorp has declared a regular quarterly dividend of $0.52 per common share, payable October 15, 2025, to stockholders of record at the close of business on September 30, 2025. This is a 4% increase over the previous quarter. At this quarterly dividend rate, the annual dividend is equivalent to $2.08 per common share.공시 • Sep 04U.S. Bank Launches All-In-One Cash Flow Management Platform for Small BusinessesU.S. Bank announced a powerful all-in-one cash flow management platform for small businesses. Providing a comprehensive accounts payable solution with streamlined cash flow management, enhanced bill pay capabilities with flexible payment options, and the ability to easily sync with accounting software, it's all seamlessly integrated into the U.S. Bank online banking platform. The accounts payable solution, called U.S. Bank bill pay for business, is now available for new users with any U.S. Bank business checking account, providing a one-stop hub where small business owners can manage their finances in less time with more confidence. As small business owners juggle multiple digital solutions to manage their operations, research shows that nearly three-quarters feel cash flow management and invoice/bill payment are ongoing pain points for their business. Additionally, nine in 10 (88%) owners say the ability to centralize all bills/invoices into a single process is important. U.S. Bank is responding to this need with bill pay for business, which enables business owners to: Use a single solution to manage payments and maintain records all in one place - within the existing business banking dashboard. Make payments flexibly with the ability to set up recurring payments and make partial or multiple payments at once. Streamline workflow byautomating vendor invoices, auto-creating bills, and creating and managing payment approval workflows. Seamlessly sync bills, vendors, and expenses with select accounting software. Gain better visibility into cash flow with real-time updates on available funds and payments status. Receive notifications to help avoid missing a payment due date or confirm a payment was received. Manage finances anytime, anywhere with mobile-friendly tools in addition to desktop. Have peace of mind with multistep fraud detection and secure transactions. U.S. Bank collaborated with two fintechs to bring this solution to life, integrating Fiserv's CashFlow Central solution, built in partnership with Melio, within the U.S. Bank Online banking platform. U.S. Bank serves more than 1.4 million small business clients with a comprehensive and integrated suite of banking, payments and digital solutions backed by support from experienced bankers. The bank offers a wide range of deposit accounts; merchant services products, including Elavon point of sale systems; loan products; credit cards; and treasury management services. CashFlow Central Research Report - 2024; Fiserv Primary Research.공시 • Jul 02U.S. Bancorp to Report Q2, 2025 Results on Jul 17, 2025U.S. Bancorp announced that they will report Q2, 2025 results Pre-Market on Jul 17, 2025공시 • Jun 19U.S. Bancorp Declares Regular Quarterly Dividend, Payable on July 15, 2025The Board of Directors of U.S. Bancorp has declared a regular quarterly dividend of $0.50 per common share, payable on July 15, 2025, to stockholders of record at the close of business on June 30, 2025. At this quarterly dividend rate, the annual dividend is equivalent to $2.00 per common share.공시 • Jun 18U.S. Bank Expands Embedded Payments Suite to Power Efficient, Secure TransactionsU.S. Bank has unveiled an expanded suite of embedded payment solutions, offering businesses across industries a powerful way to integrate efficient, secure payment capabilities directly into their existing systems. U.S. Bank Embedded Payment Solutions are built for websites, apps, enterprise systems and fintech integrations to enable companies to deliver fast, simple and secure payment experiences for customers, employees and suppliers. The enhanced offering includes a robust for-benefit-of (FBO) solution for companies to move money on behalf of their customers. The FBO account structure supports unlimited virtual accounts, allowing businesses to easily identify and track funds for each participant. By integrating leading account, payment and risk management technology, U.S. Bank efficiently verifies and onboards customers and provides ongoing, simplified payment support. A broad range of payment types - including instant payments - are available to accommodate payer and payer needs and preferences. This expansion reflects U.S. Bank's ongoing work to integrate payment capabilities into the software and platforms businesses rely on daily while enabling faster, easier and secure financial transactions. Through Elavon, its wholly owned subsidiary, the bank has long supported embedded, technology-driven merchant acquiring solutions. Examples of the types of companies that can utilize embedded payments include fintechs, insurance carriers, healthcare systems, online auto retailers, title companies and more. Basefund - a fintech platform serving municipalities and corporations - integrates U.S. Bank's payment capabilities to securely process high-value, multi-party transactions. Rain - a fintech used by employers to provide employees instant access to their wages - utilizes U.S. BankEmbedded Payment Solutions to facilitate payments on behalf of its customers.공시 • Apr 18U.S. Bancorp Promotes Adam Graves as Senior Executive Vice President and Head of Enterprise Strategy and AdministrationU.S. Bancorp announced that Adam Graves has been promoted to serve as senior executive vice president and head of enterprise strategy and administration. Graves, 47, has been the company’s head of strategy and corporate development since 2023, having previously served for five years as its head of finance strategy and corporate development. An alumnus of the University of Michigan, Graves spent the majority of his early career in positions of increasing leadership responsibility in the investment banking division of Goldman Sachs. In his new role, he will continue to oversee strategy and corporate development and will add corporate real estate and procurement; marketing, analytics and customer experience; public affairs and communications; and strategy and administration risk to his purview. Graves will report to Kedia and serve on the company’s managing committee, which is comprised of senior executives who lead the company’s revenue lines and corporate functions.공시 • Apr 17U.S. Bancorp Reports Net Charge-Offs Results for the First Quarter Ended March 31, 2025U.S. Bancorp reported net charge-offs results for the first quarter ended March 31, 2025. For the quarter, the company reported total net charge-offs of $547 million compared with $488 million a year ago.공시 • Apr 15U.S. Bank Introduces All-In-One Business Checking Plus Payments Acceptance to Help Business Owners Save Time and MoneyU.S. Bank launched a premier all-in-one checking account combined with payments acceptance capabilities for small businesses. Called U.S. Bank Business Essentials®?, the account enables businesses to accept card payments with free same-day access to their fundsi and a free mobile card reader, in addition to checking with unlimited digital transactionsiii and no monthly maintenance fee. Business Essentials features include: U.S. Bank has launch a premier all-in- one checking account combined with payments acceptance capability for small businesses. Premier checking account with no monthly maintenance fee. Card payment acceptance with free same-day access To their funds, every day of the weeki, Unlimited digital transactions, Free mobile card reader, Fraud prevention tools, Simplified money movement within one digital dashboard, Ability to integrate a business's accounting and budget management software, Single application and streamlined onboarding experience. U.S. Bank introduced Business Essentials in response to the advancing needs and demands of small business clients. In a national survey U.S. Bank conducted with more than 1,000 small business owners, 80% said they prefer service providers who can bundle their digital banking, payments, and operations toolsiv, highlighting the need for a banking partner to provide digital banking and payments in a single solution. U.S. Bank serves more than 1.4 million small business clients with a comprehensive suite of banking, payments and digital solutions backed by support from experienced bankers. The bank offers a wide range of deposit accounts; merchant services products, including talech point of sale systems; loan products; credit cards; and treasury management services. For more information on Business Essentials and all the ways U.S. Bank powers small businesses, visitusbank.com/business-banking. Disclosures: Sales are processed daily and deposited into the associated checking account. Funding speeds will vary between weekdays and weekends and are dependent on batch settlement times. Batches will be processed every day, including weekends. Changing the account that funds are deposited into may impact funding speeds. Fee to retain daily funding and deposit applies when the associated checking account is a non-U.S. Bank checking account. Please see the U.S. Bank BusinessEssentials®? Payment Processing Terms of Service and Operating Agreement for details. One free Ingenico Moby/5500 card reader is included and is only available for customers applying for a new U.S. Bank Businessentials®? account through the online application. Card reader cannot be redeemed for any other hardware purchase or account credit. Additional card readers available for a fee. Digital transactions include electronic deposits, electronic withdrawals, ATM transactions, Elavon payment processing credits and chargebacks, electronic transfers, ACH, debit card purchases. Certain transactions may have additional service fees. Refer to U.S. Bank Business Assentials®? Pricing Information or contact the Business Banker Banker.공시 • Apr 14U.S. Bank Introduces Spend Management for Business OwnersU.S. Bank announced a new Spend Management platform to help businesses monitor, track, and control their card-based spending. A leader in business banking and payments, U.S. Bank is introducing the all-in-one spend management platform across its full portfolio of business banking credit cards to give business owners an alternative to using multiple tools. Spend Management helps business owners drive down costs, reduce manual work, and save time through the use of robust card controls, integrated accounting, intuitive receipt capture, and more - all within a single, easy-to-use dashboard. Spend Management gives owners more control over their employees' card spending, empowering them to easily manage card permissions and integrate their expense policies before employee spending happens. With the platform, business owners can: Monitor spending and set spending controls for card use. For example, a business could limit employees to purchase only fuel at a gas station. Turn employees' credit cards on and off with one click. Assign cards to specific employees, job sites, or departments. Control and adjust spend limit requests for cards on the fly. Upload receipts to match transactions automatically. See a 360 view of all of their business spending, with real-time analytics and custom reports. Organize and export all spending to their accounting platform of choice. Improve their cash flow while simultaneously earning high value rewards from their U.S. Bank credit card.Valuation Update With 7 Day Price Move • Apr 05Investor sentiment deteriorates as stock falls 18%After last week's 18% share price decline to €33.20, the stock trades at a forward P/E ratio of 9x. Average forward P/E is 8x in the Banks industry in Italy. Total loss to shareholders of 22% over the past three years.공시 • Apr 02U.S. Bancorp to Report Q1, 2025 Results on Apr 16, 2025U.S. Bancorp announced that they will report Q1, 2025 results Pre-Market on Apr 16, 2025공시 • Jan 29U.S. Bancorp, Annual General Meeting, Apr 15, 2025U.S. Bancorp, Annual General Meeting, Apr 15, 2025.이익 및 매출 성장 예측BIT:1USB - 애널리스트 향후 추정치 및 과거 재무 데이터 (USD Millions)날짜매출이익자유현금흐름영업현금흐름평균 애널리스트 수12/31/202833,7249,069N/AN/A512/31/202732,1858,606N/AN/A912/31/202630,4497,919N/AN/A93/31/202626,6477,4329,6189,618N/A12/31/202526,3547,1947,9707,970N/A9/30/202526,0136,8109,9549,954N/A6/30/202525,5606,5187,5387,538N/A3/31/202525,3566,3038,3818,381N/A12/31/202425,0975,90911,35011,350N/A9/30/202424,8975,0946,9236,923N/A6/30/202425,1064,9059,8249,824N/A3/31/202425,1564,66810,26610,266N/A12/31/202325,7385,0518,3938,393N/A9/30/202324,6635,13814,91914,919N/A6/30/202324,1125,44414,55114,551N/A3/31/202323,4645,62713,48413,484N/A12/31/202222,2075,50121,11921,119N/A9/30/202222,6726,23014,93414,934N/A6/30/202222,7476,44614,07614,076N/A3/31/202222,9826,89617,41017,410N/A12/31/202123,8947,6059,8709,870N/A9/30/202123,3917,4488,0988,098N/A6/30/202122,6417,0088,7358,735N/A3/31/202120,7655,7082,2992,299N/A12/31/202019,2424,6213,7163,716N/A9/30/202019,1674,6044,7234,723N/A6/30/202019,3944,9314,4854,485N/A3/31/202020,7326,0585,9475,947N/A12/31/201921,1406,583N/A4,889N/A9/30/201921,3136,952N/A7,601N/A6/30/201921,0876,863N/A7,780N/A3/31/201920,9156,800N/A10,426N/A12/31/201820,8136,784N/A10,564N/A9/30/201820,5406,618N/A7,745N/A6/30/201820,3346,371N/A6,382N/A3/31/201820,0916,123N/A4,716N/A12/31/201719,8835,913N/A6,472N/A9/30/201719,7255,693N/A8,739N/A6/30/201719,5765,642N/A7,431N/A3/31/201719,6025,647N/A7,265N/A12/31/201619,2115,589N/A5,336N/A9/30/201619,1455,602N/A5,769N/A6/30/201618,9505,590N/A8,069N/A3/31/201618,5865,572N/A8,292N/A12/31/201518,5245,608N/A8,782N/A9/30/201518,4745,624N/A7,117N/A6/30/201518,2605,607N/A4,845N/A더 보기애널리스트 향후 성장 전망수입 대 저축률: 1USB 의 연간 예상 수익 증가율(5.3%)이 saving rate(3.3%)보다 높습니다.수익 vs 시장: 1USB 의 연간 수익(5.3%)이 Italian 시장(10.9%)보다 느리게 성장할 것으로 예상됩니다.고성장 수익: 1USB 의 수입은 증가할 것으로 예상되지만 상당히 증가하지는 않을 것입니다.수익 대 시장: 1USB 의 수익(연간 8.3%)이 Italian 시장(연간 5.8%)보다 빠르게 성장할 것으로 예상됩니다.고성장 매출: 1USB 의 수익(연간 8.3%)은 연간 20%보다 느리게 증가할 것으로 예상됩니다.주당순이익 성장 예측향후 자기자본이익률미래 ROE: 1USB의 자본 수익률은 3년 후 13.2%로 낮을 것으로 예상됩니다.성장 기업 찾아보기7D1Y7D1Y7D1YBanks 산업의 고성장 기업.View Past Performance기업 분석 및 재무 데이터 상태데이터최종 업데이트 (UTC 시간)기업 분석2026/05/21 15:38종가2026/05/21 00:00수익2026/03/31연간 수익2025/12/31데이터 소스당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.패키지데이터기간미국 소스 예시 *기업 재무제표10년손익계산서현금흐름표대차대조표SEC 양식 10-KSEC 양식 10-Q분석가 컨센서스 추정치+3년재무 예측분석가 목표주가분석가 리서치 보고서Blue Matrix시장 가격30년주가배당, 분할 및 기타 조치ICE 시장 데이터SEC 양식 S-1지분 구조10년주요 주주내부자 거래SEC 양식 4SEC 양식 13D경영진10년리더십 팀이사회SEC 양식 10-KSEC 양식 DEF 14A주요 개발10년회사 공시SEC 양식 8-K* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.분석 모델 및 스노우플레이크이 보고서를 생성하는 데 사용된 분석 모델에 대한 자세한 내용은 당사의 Github 페이지에서 확인하실 수 있습니다. 또한 보고서 활용 방법에 대한 가이드와 YouTube 튜토리얼도 제공합니다.Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.산업 및 섹터 지표산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.분석가 소스U.S. Bancorp는 49명의 분석가가 다루고 있습니다. 이 중 10명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.분석가기관Stephen BiggarArgus Research CompanyDavid GeorgeBairdJason GoldbergBarclays46명의 분석가 더 보기
공시 • Apr 02U.S. Bancorp to Report Q1, 2026 Results on Apr 16, 2026U.S. Bancorp announced that they will report Q1, 2026 results Pre-Market on Apr 16, 2026
공시 • Mar 27U.S. Bancorp Announces Appointment of Toby Clements as Senior Executive Vice President and Chief Operations Officer, Effective April 13, 2026U.S. Bancorp announced that Toby Clements will become its new senior executive vice president and chief operations officer. In this role, Clements will oversee the company’s client service centers and global operations teams, leading more than 16,000 employees. He will report directly to U.S. Bancorp Chief Executive Officer Gunjan Kedia effective April 13, 2026. Clements will join the company’s managing committee and succeed Souheil Badran, who announced his retirement from the company earlier this year. Clements came to U.S. Bank in 2017, serving as an executive officer in the European operations. For the past year, he led the organization’s client service centers. Prior to joining the company, Clements worked in executive roles at PTSB in Dublin and Tesco Bank in Edinburgh. He also has experience in consulting and strategy at Navigant and Barclays in London. He holds a bachelor of laws degree from University of Southampton and a global master of business administration degree from INSEAD.
공시 • Mar 25U.S. Bank Announces Continued Product Enhancements for Its Avvance Point-Of-Sale Lending PlatformU.S. Bank announced continued product enhancements for its Avvance point-of-sale lending platform with new longer-term loan options designed for larger home improvement projects. The new loan options – including six- and seven-year terms – are designed to support financing needs for higher-cost home improvement projects. These extended terms provide homeowners with greater payment flexibility while helping contractors and service providers improve affordability and conversion at the point of sale. In addition to product enhancements, Avvance is also growing its network of integrated partners – recently signing Skeps, a multi-lender orchestration platform that enables merchants to optimize financing outcomes by matching customers with the most appropriate offers across multiple lenders. The addition of Avvance to Skeps collection of lending partners, puts Avvance in the hands of more merchants who want to provide flexible financing at the point of need and within their customer checkout and decision-making workflows. When using Avvance, integrated partners can embed bank-built lending directly into their platforms through flexible APIs and integration options. As Avvance expands its partner ecosystem and loan term offerings, it continues to help merchants deliver simple, scalable financing that improves access and affordability at the point of purchase. Avvance supports point-of-sale financing across multiple segments—including home improvement, audiology, elective healthcare, and other large-ticket categories—so partners can offer trusted financing wherever customers are making important purchasing decisions. This latest partner integration and product enhancement builds on Avvance’s continued expansion of its embedded financing network, reinforcing U.S. Bank’s focus on delivering practical, API-driven lending solutions that integrate directly into partner platforms and merchant workflows.
공시 • Mar 17U.S. Bancorp Announces Appointment of Alan Flanagan as Head of Global Investment ServicesU.S. Bancorp announced that veteran securities executive Alan Flanagan has joined the bank as head of Global Investment Services, a division comprising Global Fund Services and Global Corporate Trust. In this role, Flanagan will lead a global team that combines industry-leading expertise with superior client service to offer customized product solutions for alternative investments, mutual funds, exchange-traded products, collateralized loan obligations (CLOs), structured finance, and corporate, escrow and municipal trust services. Flanagan will be a member of the senior leadership team for U.S. Bank’s Wealth, Corporate, Commercial and Institutional Banking business line and will be based in New York. Flanagan spent nearly two decades at BNY, where he held senior leadership roles across asset servicing, fund services and alternative investments, leading global businesses and driving sustainable growth. Most recently, he served as global head of client coverage for BNY’s asset servicing division, overseeing relationship management for the firm. Prior to BNY, Alan held roles at UBS, CIBC and KPMG, giving him broad experience across business development, operations and financial services. Flanagan is a fellow of the Institute of Chartered Accountants, Ireland and holds a chartered director in corporate governance and corporate strategy from the Institute of Directors, UK.
공시 • Mar 12U.S. Bancorp, Annual General Meeting, Apr 21, 2026U.S. Bancorp, Annual General Meeting, Apr 21, 2026.
공시 • Mar 11U.S. Bancorp Declares Quarterly Dividends, Payable on April 15, 2026The Board of Directors of U.S. Bancorp has declared a regular quarterly dividend of $0.52 per common share, payable April 15, 2026, to stockholders of record at the close of business on March 31, 2026. At this quarterly dividend rate, the annual dividend is equivalent to $2.08 per common share.
공시 • Mar 10U.S. Bancorp Appoints Ryan K. Nelson as President of Emerging Affluent Wealth ManagementU.S. Bancorp announced that Ryan K. Nelson is the new President of Emerging Affluent Wealth Management. In this newly created role, Nelson will spearhead the strategy for beginning investors for Wealth Management and will lead teams focused on bringing integrated offerings and digital experiences to beginning investors, with a goal of providing investing tools for anyone who may need them. Nelson has 30 years of financial services experience, and most recently served as U.S. Bank’s East Regional Executive for Private Wealth Management. Prior to working at U.S. Bank, Nelson worked with Zions Bank, where he was region president; and also held roles at JPMorgan Chase, Wells Fargo, and Fidelity.
Reported Earnings • Feb 25Full year 2025 earnings released: EPS: US$4.62 (vs US$3.79 in FY 2024)Full year 2025 results: EPS: US$4.62 (up from US$3.79 in FY 2024). Revenue: US$26.4b (up 5.0% from FY 2024). Net income: US$7.19b (up 22% from FY 2024). Profit margin: 27% (up from 24% in FY 2024). Net interest margin (NIM): 2.72% (up from 2.70% in FY 2024). Cost-to-income ratio: 58.6% (down from 62.3% in FY 2024). Non-performing loans: 0.40% (down from 0.47% in FY 2024). Revenue is forecast to grow 8.2% p.a. on average during the next 3 years, compared to a 5.6% growth forecast for the Banks industry in Italy. Over the last 3 years on average, earnings per share has increased by 8% per year but the company’s share price has only increased by 2% per year, which means it is significantly lagging earnings growth.
Recent Insider Transactions • Feb 13Insider recently sold €865k worth of stockOn the 6th of February, Mark Runkel sold around 17k shares on-market at roughly €51.34 per share. This transaction amounted to 14% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of €3.4m more than they bought in the last 12 months.
공시 • Feb 04U.S. Bancorp Appoints Raj Gazula as Chief Administrative OfficerU.S. Bancorp announced that Raj Gazula has also joined the bank to lead strategy and serve as the Chief Administrative Officer for PMI. Gazula brings nearly 30 years of experience to the role, with deep payments and strategy experience. He led Wholesale Payments at Truist including treasury solutions, merchant acquiring and commercial cards. Prior to that, he led the strategy and transformation work for the Corporate and Institutional Group when Sun Trust integrated with BB&T. Gazula is based in Atlanta. Both Geronimo and Gazula will report to Mark Runkel, vice chair and head of PMI at U.S. Bank.
공시 • Jan 30U.S. Bancorp Announces Souheil Badran to Retire as Senior Executive Vice President and Chief Operations OfficerU.S. Bancorp announced on January 29, 2026 that Souheil Badran, its senior executive vice president and chief operations officer, will retire from the bank this spring. Badran joined the organization in late 2022, bringing diverse experience across the payments, software and wealth management industries. He provided an active and influential voice during his tenure at U.S. Bancorp, shaping the current strategy of the company’s operations organization and leading efforts to bring automation, artificial intelligence and efficiency to its contact centers and related functions. The company has a robust succession planning program in place and will activate and implement that as Badran prepares for his retirement. He intends to assist with the leadership transition to accommodate a disciplined process.
공시 • Jan 28U.S. Bancorp Announces Board Changes, Effective from April 21, 2026On January 27, 2026, Andrew Cecere, Chairman of the Board of Directors (the “Board”) of U.S. Bancorp (the “Company”), informed the Board that he does not intend to stand for re-election to the Company’s Board following expiration of his current term at the Company’s 2026 Annual Meeting of Shareholders. Mr. Cecere’s decision not to stand for re-election was for personal reasons following his dedicated service to the Company for 40 years and not due to any disagreement with the Company on any matter relating to the Company’s operations, policies or practices. Cecere’s retirement culminates a career of more than 40 years in financial services. Gunjan Kedia, the Company’s Chief Executive Officer and President and a member of the Board, has been elected by the Board to serve as Chairman, in addition to her current responsibilities, effective upon Mr. Cecere’s retirement from the Board on April 21, 2026. Kedia, 55, joined U.S. Bancorp in 2016 and was named CEO in April 2025, after serving as president and previously leading the company’s Wealth, Corporate, Commercial and Institutional Banking business. She has more than 30 years of financial services experience, working in global executive positions at State Street Financial and BNY, as well has holding leadership roles at McKinsey and Company and PwC. She holds a master’s degree in business administration with distinction from Carnegie Mellon University and a bachelor’s degree in engineering, also with distinction, from the Delhi School of Engineering. She sits on the board of directors for PBS, American Red Cross and Carnegie Mellon Business School.
Reported Earnings • Jan 21Full year 2025 earnings released: EPS: US$4.86 (vs US$3.79 in FY 2024)Full year 2025 results: EPS: US$4.86 (up from US$3.79 in FY 2024). Revenue: US$26.4b (up 5.0% from FY 2024). Net income: US$7.57b (up 28% from FY 2024). Profit margin: 29% (up from 24% in FY 2024). The increase in margin was primarily driven by higher revenue. Revenue is forecast to grow 9.6% p.a. on average during the next 2 years, compared to a 5.3% growth forecast for the Banks industry in Italy. Over the last 3 years on average, earnings per share has increased by 9% per year but the company’s share price has only increased by 1% per year, which means it is significantly lagging earnings growth.
공시 • Jan 13U.S. Bancorp (NYSE:USB) entered into a definitive agreement to acquire BTIG, LLC from Condor Trading LP for $1 billion.U.S. Bancorp (NYSE:USB) entered into a definitive agreement to acquire BTIG, LLC from Condor Trading LP for $1 billion on January 12, 2026. The consideration consists of payment of $725 million ($362.5 million of cash and 6,600,594 shares of common stock) to be paid at closing and additional $275 million of cash consideration payable over three years, subject to achievement of defined performance targets. Following the transaction, the BTIG leadership team will join U.S. Bancorp and continue to lead the business going forward. LeRoy – a key architect of BTIG’s expansion since joining the firm in 2008 – will remain CEO of BTIG, reporting to Stephen Philipson, Vice Chair and Head of Wealth, Corporate, Commercial and Institutional Banking at U.S. Bancorp. BTIG Co-Founder and Executive Chairman Steven Starker will continue his current day-to-day role of engaging and interacting with BTIG’s largest institutional and corporate clients and driving business development across all department. The transaction is expected to close in the second quarter of 2026, subject to regulatory approvals and satisfaction of applicable closing conditions. Goldman Sachs & Co. LLC and Sheumack & Co. GMA, LLC acted as financial advisor for BTIG, LLC. Rachael G. Coffey, Christopher M. Gandia, Peter Martelli, Jimin He and Christian O. Nagler of Kirkland & Ellis LLP acted as legal advisor for BTIG, LLC. Sullivan & Cromwell LLP acted as legal advisor for U.S. Bancorp.
공시 • Jan 06U.S. Bancorp to Report Q4, 2025 Results on Jan 20, 2026U.S. Bancorp announced that they will report Q4, 2025 results Pre-Market on Jan 20, 2026
Declared Dividend • Dec 12Dividend of US$0.52 announcedShareholders will receive a dividend of US$0.52. Ex-date: 30th December 2025 Payment date: 15th January 2026 Dividend yield will be 3.0%, which is lower than the industry average of 5.8%. Sustainability & Growth Dividend is well covered by earnings (46% payout ratio) and is expected to be well covered in 3 years' time (42% forecast payout ratio). The dividend has increased by an average of 7.8% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 26% over the next 3 years, which should provide support to the dividend and adequate earnings cover.
공시 • Dec 10U.S. Bancorp Declares Quarterly Dividends, Payable on January 15, 2026The Board of Directors of U.S. Bancorp has declared a regular quarterly dividend of $0.52 per common share, payable January 15, 2026, to stockholders of record at the close of business on December 31, 2025. At this quarterly dividend rate, the annual dividend is equivalent to $2.08 per common share.
Reported Earnings • Nov 07Third quarter 2025 earnings released: EPS: US$1.22 (vs US$1.03 in 3Q 2024)Third quarter 2025 results: EPS: US$1.22 (up from US$1.03 in 3Q 2024). Revenue: US$6.73b (up 7.2% from 3Q 2024). Net income: US$1.89b (up 18% from 3Q 2024). Profit margin: 28% (up from 26% in 3Q 2024). The increase in margin was driven by higher revenue. Revenue is forecast to grow 7.1% p.a. on average during the next 3 years, compared to a 5.2% growth forecast for the Banks industry in Italy. Over the last 3 years on average, earnings per share has increased by 3% per year whereas the company’s share price has fallen by 2% per year.
공시 • Nov 06U.S. Bank Launches Split™? World Mastercard®?U.S. Bank announced a new kind of credit card that enables automatic no-fee, no interest equal monthly payments on all purchases: the U.S. Bank Split™? World Mastercard®?. Split Card introduces a new alternative to traditional Buy Now, Pay Later options - a single solution to manage multiple pay-over-time plans that is backed by a major bank, providing valuable consumer protections and the ability to build credit. The Split Card can be used to shop in-store or online everywhere Mastercard is accepted, and every purchase is automatically split into a three-month payment plan with no interest or annual fee. Cardholders can also choose to extend payment plans to six or 12 months for larger purchases for a small, fixed monthly plan fee. Here's how the Split Card works: Use the Split Card to shop anywhere Mastercard is accepted. All purchases are automatically split into a three- month payment plan, with no monthly fees and no interest. For large purchases of $100 or more, cardholders can also choose to extend the payment plan to six or 12 months for a small, fixed monthly Plan fee. Cardholders can easily manage and track each purchase plan with a simple and transparent dashboard in the U.S. Bank Mobile App and online banking. The Split Card has no APR or annual fee and comes with Mastercard World benefits including built-in travel, entertainment, shopping and protection benefits. Split Card is the latest U.S. Bank product to provide installment plan repayment options. In 2021, U.S. Bank ExtendPay®? launched, providing consumer and business cardholders the ability to move eligible transactions to equal monthly payments. With Split Card, all purchases are automatically split into three equal monthly payments with no interest and no fees, eliminating any extra steps after each purchase.
공시 • Nov 04U.S. Bank Launches Edward Jones Co-Branded Products, Expanding Reach to Millions of New CustomersU.S. Bank announced that its co-branded checking and credit card products, Edward Jones®? Everyday Solutions Powered by U.S. Bank®?, are now available to Edward Jones clients through its network of more than 20,000 financial advisors. The strategic alliance, first announced last year, allows U.S. Bank products to be introduced to a new segment of clients through the existing infrastructure of Edward Jones, a leading financial services firm serving 9 million clients across North America. The new co-branded product offering available to U.S.-based Edward Jones clients allows them to manage their everyday spending and investments - all in one digital platform. In turn, Edward Jones financial advisors have a clearer view of their clients' finances to provide more personalized guidance and offer more complete financial solutions. The full suite of co-branded banking tools now available include Edward Jones Everyday Solutions Checking powered by U.S. Bank, a checking account that provides valuable rewards, flexible benefits and meaningful feewaivers and three new consumer and business credit card products. Credit card products include: Edward Jones®? Everyday Solutions Triple Rewards World Elite Mastercard®?; Edward Jones®? Everyday Solutions Flex Balance Mastercard®?; and Edward Jones®? Everyday Solutions Business World Elite Mastercard®?. Each card offers a distinct value proposition, designed to meet a range of client goals and needs through tailored rewards, benefits, and introductory offers. Over time, the alliance is expected to expand to include additional U.S. Bank products and services available to Edward Jones clients.
공시 • Oct 28U.S. Bank Rolls Out New SinglePoint Experience to BusinessesU.S. Bank is rolling out the next generation of SinglePoint, its market leading, highly intuitive and efficient treasury management platform. Designed for businesses of all sizes, the enhanced SinglePoint makes it easy for clients to manage their liquidity, cash flow and financial risk with greater insight and efficiency. SinglePoint is part of U.S. Bank's suite of digital connectivity and open-banking solutions. SinglePoint is often a daily point of entry for businesses to manage their payables, receivables, liquidity, fraud mitigation, international banking and foreign exchange. The new and innovative version of SinglePoint reduces manual work, delivers actionable insights, optimizes common user flows, and helps clients uncover operational blind spots like never before. Features include: Configurable, persona-based dashboards and user flows that were curated based on years of research to allow clients to access key data and business functions more easily. Highly automated processes that reduce manual effort in routine tasks like payments, reconciliation, and account management. Award-winning digital onboarding plus do-it-yourself tools to reduce administrative delays. Centralized reporting functions in one place that are easy to search and provide a consistent experience across workflows. The account management experience is now even more efficient with custom account groupings, new statement types, extended retention and bulk downloads. Streamlined payments workflows across multiple payment methods including faster payment options and foreign exchange, streamlining initiation and tracking. Enhanced risk management and fraud protection with strong, automated controls and approved workflows to reduce the risk of fraudulent payments. Improved interface and technology that delivers consistent experience no matter what device is used to access SinglePoint. Flexibility, scalability and integration through APIs to embed SinglePoint in other software.
공시 • Oct 23US Bank Announces Promotion of Heather Kesner as First Head of Small Business BankingUS Bank has announced a promotion. The firm has promoted Heather Kesner, its former branch and small business executive for the East region. She is to serve as the first head of small business banking. Kesner will remain in Charlotte and oversee a team of 650 small banking specialists. Kesner has more than 25 years of industry experience.
공시 • Oct 22U.S. Bank Avvance Launches Customized Embedded Financing OfferingFinancial institutions and fintechs are now able to offer their customers simple, flexible embedded financing options that are tailored to their brand and experience thanks to the new U.S. Bank Avvance developer portal experience. Built for partnerships, the program's new developer portal experience enables institutions to embed point-of-sale financing directly into their platforms. New API-driven integration options allow partners to customize the experience to their business customers' needs. The new developer portal offers options for integrated partners ranging from low code to full headless integration options. With Avvance, merchants can offer loans from $300 to $25,000 with flexible terms ranging from three to 60 months: Leverage U.S. Bank's trusted brand and comprehensive infrastructure - from merchant relationships to online banking, disputes and reporting; Design financing your way with robust modular APIs and try-before-you-buy options - no upfront development investment is needed; Partner with dedicated solution engineers and strategic advisors committed to your implementation success. One of the first integrated partners to leverage this capability is LendPro, a leading waterfall-based consumer finance platform for retailers. This early adoption supports LendPro's commitment to delivering seamless, embedded financing experiences for merchants and consumers alike. Designed to facilitate integration, Avvance maximizes flexibility to access a dedicated merchant portal with all the Avvance functionalities, including marketing materials, invoicing, pricing management and transaction tracking. U.S. Bank manages the consumer loan application process. These new capabilities with Avvance are part of the award-winning U.S. Bank Developer Portal, which features a robust suite of more than 40 financial APIs for consumer, business and corporate needs, making it easy for developers to explore, learn and integrate with API solutions offered by U.S. Bank. From account information to lending, cards, payments, treasury management and more, the Portal makes it easy for businesses and institutions to drive growth through the power of APIs.
공시 • Oct 17Scott+Scott Files Lawsuit Against Jpmorgan Chase, Bank of America, Wells Fargo, Citibank, U.S. Bank, Pnc, and TruistScott+Scott Attorneys at Law LLP filed a class action lawsuit on behalf of two California and Colorado residents against some of the nation’s leading banks, including JPMorgan Chase, Bank of America, Wells Fargo, Citibank, U.S. Bank, PNC, and Truist. The lawsuit of nationwide significance was filed in the United States District Court for the District of Connecticut and alleges that the largest U.S. banks conspired to fix, raise, and stabilize the rate charged to their most creditworthy customers for short-term loans, commonly referred to as “prime rates.” These prime rates, which control the interest rates on millions of consumer and small-business loans, are collected and regularly published by The Wall Street Journal as the Wall Street Journal Prime Rate (“WSJ Prime Rate”). The WSJ Prime Rate, in turn, governs the interest rates most Americans pay on their credit cards and home equity loans. The litigation alleges that by coordinating their interest rates for prime customers, defendant banks not only charged their prime loan customers supracompetitive rates, but also artificially inflated interest rates for millionsof loans explicitly tied to the WSJ Prime Rate, reaping billions in profits. The antitrust class action lawsuit alleges conspiracy and rate fixing related to a variety of financial products, including HELOC (Home Equity Lines of Credit) and Consumer Credit Cards. The case is: Normandin et al. v. JP Morgan Chase Bank, N. A et al. No. 3:25-cv-01749, (D. CT).
공시 • Oct 16U.S. Bancorp Reports Net Charge-Offs for the Third Quarter Ended September 30, 2025U.S. Bancorp reported net charge-offs for the third quarter ended September 30, 2025. For the quarter, the company reported total net charge-offs of $536 million against $564 million a year ago.
공시 • Oct 02U.S. Bancorp to Report Q3, 2025 Results on Oct 16, 2025U.S. Bancorp announced that they will report Q3, 2025 results Pre-Market on Oct 16, 2025
공시 • Sep 30U.S. Bancorp Appoints Jodi Rolland as President, Affluent Wealth ManagementU.S. Bancorp announced that on September 22, 2025, veteran wealth management leader Jodi Rolland joined the company as President, Affluent Wealth Management. In this role, Rolland oversees the nationwide network of U.S. Bank Wealth Management Affluent financial professionals of U.S. Bank and its affiliates, U.S. Bancorp Investments (USBI) and U.S. Bancorp Advisors (USBA). Rolland has more than 25 years of industry experience, leading wealth management teams and developing successful growth strategies. She was most recently at JPMorgan Chase, where she served as managing director, divisional director for consumer banking, overseeing all retail banking operations for the Greater West region. Prior to this role, Rolland spent more than two decades at Bank of America Merrill Lynch, where she held a variety of wealth management leadership roles and at one point led a large team of commercial bankers. Rolland holds a Bachelor of Arts in Financial Management, graduating magna cum laude, from the University of North Dakota. She’s featured in Tommy Spaulding’s New York Times bestseller, “The Heart-Led Leader,” and in various business publications. Rolland serves on the University of North Dakota Foundation board and previously served as a board member for the Garth Brooks Touch ’Em All Foundation in Denver and Habitat for Humanity in Denver.
공시 • Sep 10U.S. Bancorp Declares Regular Quarterly Dividend on Common Share, Payable October 15, 2025The Board of Directors of U.S. Bancorp has declared a regular quarterly dividend of $0.52 per common share, payable October 15, 2025, to stockholders of record at the close of business on September 30, 2025. This is a 4% increase over the previous quarter. At this quarterly dividend rate, the annual dividend is equivalent to $2.08 per common share.
공시 • Sep 04U.S. Bank Launches All-In-One Cash Flow Management Platform for Small BusinessesU.S. Bank announced a powerful all-in-one cash flow management platform for small businesses. Providing a comprehensive accounts payable solution with streamlined cash flow management, enhanced bill pay capabilities with flexible payment options, and the ability to easily sync with accounting software, it's all seamlessly integrated into the U.S. Bank online banking platform. The accounts payable solution, called U.S. Bank bill pay for business, is now available for new users with any U.S. Bank business checking account, providing a one-stop hub where small business owners can manage their finances in less time with more confidence. As small business owners juggle multiple digital solutions to manage their operations, research shows that nearly three-quarters feel cash flow management and invoice/bill payment are ongoing pain points for their business. Additionally, nine in 10 (88%) owners say the ability to centralize all bills/invoices into a single process is important. U.S. Bank is responding to this need with bill pay for business, which enables business owners to: Use a single solution to manage payments and maintain records all in one place - within the existing business banking dashboard. Make payments flexibly with the ability to set up recurring payments and make partial or multiple payments at once. Streamline workflow byautomating vendor invoices, auto-creating bills, and creating and managing payment approval workflows. Seamlessly sync bills, vendors, and expenses with select accounting software. Gain better visibility into cash flow with real-time updates on available funds and payments status. Receive notifications to help avoid missing a payment due date or confirm a payment was received. Manage finances anytime, anywhere with mobile-friendly tools in addition to desktop. Have peace of mind with multistep fraud detection and secure transactions. U.S. Bank collaborated with two fintechs to bring this solution to life, integrating Fiserv's CashFlow Central solution, built in partnership with Melio, within the U.S. Bank Online banking platform. U.S. Bank serves more than 1.4 million small business clients with a comprehensive and integrated suite of banking, payments and digital solutions backed by support from experienced bankers. The bank offers a wide range of deposit accounts; merchant services products, including Elavon point of sale systems; loan products; credit cards; and treasury management services. CashFlow Central Research Report - 2024; Fiserv Primary Research.
공시 • Jul 02U.S. Bancorp to Report Q2, 2025 Results on Jul 17, 2025U.S. Bancorp announced that they will report Q2, 2025 results Pre-Market on Jul 17, 2025
공시 • Jun 19U.S. Bancorp Declares Regular Quarterly Dividend, Payable on July 15, 2025The Board of Directors of U.S. Bancorp has declared a regular quarterly dividend of $0.50 per common share, payable on July 15, 2025, to stockholders of record at the close of business on June 30, 2025. At this quarterly dividend rate, the annual dividend is equivalent to $2.00 per common share.
공시 • Jun 18U.S. Bank Expands Embedded Payments Suite to Power Efficient, Secure TransactionsU.S. Bank has unveiled an expanded suite of embedded payment solutions, offering businesses across industries a powerful way to integrate efficient, secure payment capabilities directly into their existing systems. U.S. Bank Embedded Payment Solutions are built for websites, apps, enterprise systems and fintech integrations to enable companies to deliver fast, simple and secure payment experiences for customers, employees and suppliers. The enhanced offering includes a robust for-benefit-of (FBO) solution for companies to move money on behalf of their customers. The FBO account structure supports unlimited virtual accounts, allowing businesses to easily identify and track funds for each participant. By integrating leading account, payment and risk management technology, U.S. Bank efficiently verifies and onboards customers and provides ongoing, simplified payment support. A broad range of payment types - including instant payments - are available to accommodate payer and payer needs and preferences. This expansion reflects U.S. Bank's ongoing work to integrate payment capabilities into the software and platforms businesses rely on daily while enabling faster, easier and secure financial transactions. Through Elavon, its wholly owned subsidiary, the bank has long supported embedded, technology-driven merchant acquiring solutions. Examples of the types of companies that can utilize embedded payments include fintechs, insurance carriers, healthcare systems, online auto retailers, title companies and more. Basefund - a fintech platform serving municipalities and corporations - integrates U.S. Bank's payment capabilities to securely process high-value, multi-party transactions. Rain - a fintech used by employers to provide employees instant access to their wages - utilizes U.S. BankEmbedded Payment Solutions to facilitate payments on behalf of its customers.
공시 • Apr 18U.S. Bancorp Promotes Adam Graves as Senior Executive Vice President and Head of Enterprise Strategy and AdministrationU.S. Bancorp announced that Adam Graves has been promoted to serve as senior executive vice president and head of enterprise strategy and administration. Graves, 47, has been the company’s head of strategy and corporate development since 2023, having previously served for five years as its head of finance strategy and corporate development. An alumnus of the University of Michigan, Graves spent the majority of his early career in positions of increasing leadership responsibility in the investment banking division of Goldman Sachs. In his new role, he will continue to oversee strategy and corporate development and will add corporate real estate and procurement; marketing, analytics and customer experience; public affairs and communications; and strategy and administration risk to his purview. Graves will report to Kedia and serve on the company’s managing committee, which is comprised of senior executives who lead the company’s revenue lines and corporate functions.
공시 • Apr 17U.S. Bancorp Reports Net Charge-Offs Results for the First Quarter Ended March 31, 2025U.S. Bancorp reported net charge-offs results for the first quarter ended March 31, 2025. For the quarter, the company reported total net charge-offs of $547 million compared with $488 million a year ago.
공시 • Apr 15U.S. Bank Introduces All-In-One Business Checking Plus Payments Acceptance to Help Business Owners Save Time and MoneyU.S. Bank launched a premier all-in-one checking account combined with payments acceptance capabilities for small businesses. Called U.S. Bank Business Essentials®?, the account enables businesses to accept card payments with free same-day access to their fundsi and a free mobile card reader, in addition to checking with unlimited digital transactionsiii and no monthly maintenance fee. Business Essentials features include: U.S. Bank has launch a premier all-in- one checking account combined with payments acceptance capability for small businesses. Premier checking account with no monthly maintenance fee. Card payment acceptance with free same-day access To their funds, every day of the weeki, Unlimited digital transactions, Free mobile card reader, Fraud prevention tools, Simplified money movement within one digital dashboard, Ability to integrate a business's accounting and budget management software, Single application and streamlined onboarding experience. U.S. Bank introduced Business Essentials in response to the advancing needs and demands of small business clients. In a national survey U.S. Bank conducted with more than 1,000 small business owners, 80% said they prefer service providers who can bundle their digital banking, payments, and operations toolsiv, highlighting the need for a banking partner to provide digital banking and payments in a single solution. U.S. Bank serves more than 1.4 million small business clients with a comprehensive suite of banking, payments and digital solutions backed by support from experienced bankers. The bank offers a wide range of deposit accounts; merchant services products, including talech point of sale systems; loan products; credit cards; and treasury management services. For more information on Business Essentials and all the ways U.S. Bank powers small businesses, visitusbank.com/business-banking. Disclosures: Sales are processed daily and deposited into the associated checking account. Funding speeds will vary between weekdays and weekends and are dependent on batch settlement times. Batches will be processed every day, including weekends. Changing the account that funds are deposited into may impact funding speeds. Fee to retain daily funding and deposit applies when the associated checking account is a non-U.S. Bank checking account. Please see the U.S. Bank BusinessEssentials®? Payment Processing Terms of Service and Operating Agreement for details. One free Ingenico Moby/5500 card reader is included and is only available for customers applying for a new U.S. Bank Businessentials®? account through the online application. Card reader cannot be redeemed for any other hardware purchase or account credit. Additional card readers available for a fee. Digital transactions include electronic deposits, electronic withdrawals, ATM transactions, Elavon payment processing credits and chargebacks, electronic transfers, ACH, debit card purchases. Certain transactions may have additional service fees. Refer to U.S. Bank Business Assentials®? Pricing Information or contact the Business Banker Banker.
공시 • Apr 14U.S. Bank Introduces Spend Management for Business OwnersU.S. Bank announced a new Spend Management platform to help businesses monitor, track, and control their card-based spending. A leader in business banking and payments, U.S. Bank is introducing the all-in-one spend management platform across its full portfolio of business banking credit cards to give business owners an alternative to using multiple tools. Spend Management helps business owners drive down costs, reduce manual work, and save time through the use of robust card controls, integrated accounting, intuitive receipt capture, and more - all within a single, easy-to-use dashboard. Spend Management gives owners more control over their employees' card spending, empowering them to easily manage card permissions and integrate their expense policies before employee spending happens. With the platform, business owners can: Monitor spending and set spending controls for card use. For example, a business could limit employees to purchase only fuel at a gas station. Turn employees' credit cards on and off with one click. Assign cards to specific employees, job sites, or departments. Control and adjust spend limit requests for cards on the fly. Upload receipts to match transactions automatically. See a 360 view of all of their business spending, with real-time analytics and custom reports. Organize and export all spending to their accounting platform of choice. Improve their cash flow while simultaneously earning high value rewards from their U.S. Bank credit card.
Valuation Update With 7 Day Price Move • Apr 05Investor sentiment deteriorates as stock falls 18%After last week's 18% share price decline to €33.20, the stock trades at a forward P/E ratio of 9x. Average forward P/E is 8x in the Banks industry in Italy. Total loss to shareholders of 22% over the past three years.
공시 • Apr 02U.S. Bancorp to Report Q1, 2025 Results on Apr 16, 2025U.S. Bancorp announced that they will report Q1, 2025 results Pre-Market on Apr 16, 2025
공시 • Jan 29U.S. Bancorp, Annual General Meeting, Apr 15, 2025U.S. Bancorp, Annual General Meeting, Apr 15, 2025.