Should I buy U.S. Bancorp stock in 2025?
Is U.S. Bancorp stock a buy right now?
As of early May 2025, U.S. Bancorp (NYSE: USB) is priced at approximately $40.50, with an active average daily trading volume near 12 million shares, signaling sustained market engagement. This regional banking leader recently reported strong quarterly earnings, highlighted by $1.03 diluted EPS (beating expectations), a robust 4.94% dividend yield, and the third straight quarter with revenue outpacing expense growth. Recent developments, such as the expansion of the State Farm partnership and new digital solutions for business clients, underline USB’s ability to innovate in the fast-evolving U.S. banking landscape. The positive momentum is further supported by both technicals—USB trades above key long-term moving averages—and fundamentals, with a capital cushion (CET1 ratio at 10.8%) exceeding regulatory demands. Market sentiment currently reflects cautious optimism, as investors applaud USB’s resilience amid broader economic uncertainty and a stabilizing rate environment. The consensus target price stands at $52.65, according to more than 31 national and international banks. For those seeking a mix of income, stability, and disciplined growth in the financial sector, U.S. Bancorp continues to present a compelling case for consideration.
- Attractive 4.94% dividend yield offers stable income potential for investors.
- Strong capital position with CET1 ratio of 10.8%, above regulatory requirements.
- Consistently beats earnings expectations, with positive operating leverage three quarters running.
- Ongoing digital innovation enhances customer experience and future competitiveness.
- Revenue diversification between interest and fee-based income provides business resilience.
- Still exposed to commercial real estate, though exposure is steadily declining.
- Potential headwinds from shifting interest rates and rising fintech competition.
- What is U.S. Bancorp?
- How much is U.S. Bancorp stock?
- Our full analysis on U.S. Bancorp </b>stock
- How to buy U.S. Bancorp stock in United States?
- Our 7 tips for buying U.S. Bancorp stock
- The latest news about U.S. Bancorp
- FAQ
Why trust HelloSafe?
At HelloSafe, our expert has been tracking the performance of U.S. Bancorp for over three years. Each month, more than a million users across the United States rely on us to interpret market trends and uncover the best investment opportunities. Our analyses are intended for informational purposes only and do not constitute investment advice. In line with our ethical charter, we have never received compensation from U.S. Bancorp, nor will we in the future.
What is U.S. Bancorp?
| Indicator | Value | Analysis |
|---|---|---|
| 🏳️ Nationality | United States | U.S. Bancorp is a leading U.S.-based regional financial services firm. |
| 💼 Market | NYSE (USD) | The stock trades on the NYSE in U.S. dollars, providing broad liquidity. |
| 🏛️ ISIN code | US9029733048 | Unique international identifier confirming listing on global exchanges. |
| 👤 CEO | Gunjan Kedia | Recently appointed CEO, bringing potential for fresh strategic direction. |
| 🏢 Market cap | $63.18 billion | Large capitalization reflects strong market presence and investor confidence. |
| 📈 Revenue | $6.96 billion (Q1 2025) | Revenue rose 3.6% year-over-year, signaling stable, modest growth. |
| 💹 EBITDA | ~$2.77 billion (Q1 2025 est.) | Indicates solid core profitability given the bank’s operating efficiency. |
| 📊 P/E Ratio (Price/Earnings) | 10.02 (TTM) | Attractive valuation suggests potential upside relative to sector averages. |
How much is U.S. Bancorp stock?
The price of U.S. Bancorp stock is rising this week. As of today, USB is trading at $40.50, reflecting a gain of 0.46% over the past 24 hours and up 1.5% for the week.
| Market Capitalization | $63.18 billion |
|---|---|
| Average Daily Volume (3 months) | 11.98 million shares |
| Price-to-Earnings Ratio | 10.02 |
| Dividend Yield | 4.94% |
| Stock Beta | 0.94 |
U.S. Bancorp's stock beta of 0.94 indicates slightly lower volatility than the overall market. Investors may find USB appealing for its mix of steady income and potential for gradual growth, especially in today’s evolving financial landscape.
Check out the USA's best brokers!Compare brokersOur full analysis on U.S. Bancorp stock
We have undertaken a rigorous review of U.S. Bancorp’s (NYSE: USB) most recent quarterly results, integrating the stock’s performance over the last three years with a comprehensive, multi-source analytical approach that draws on financial metrics, technical signals, market intelligence, and peer comparisons filtered through our proprietary algorithmic models. Our analysis aims to provide clarity on whether USB, a stalwart of the U.S. regional banking landscape, is poised for renewed leadership within the sector as we look forward to 2025. So, why might U.S. Bancorp stock once again become a strategic entry point into the U.S. financial services sector in 2025?
Recent Performance and Market Context
U.S. Bancorp’s stock price currently stands at $40.50, having traded within a daily range of $39.99 to $40.91. Over the past 52 weeks, shares have oscillated between $35.18 and $53.98—a testament to both market volatility and underlying resilience. While the broader S&P 500 and regional banks index (KRE) witnessed pronounced oscillations driven by shifting expectations for Federal Reserve policy and macroeconomic headwinds, USB has maintained a more moderated trajectory, underscored by a beta of 0.94—slightly less volatile than the market average.
Recent momentum has been underpinned by robust Q1 2025 earnings released on April 16, where the bank surpassed analyst expectations with a diluted EPS of $1.03 and a net income of $1.709 billion. These results have translated into a moderate yet constructive uptick in trading volume, with USB averaging nearly 12 million shares per day over the last quarter—indicative of increased attention and renewed institutional confidence in the bank’s forward trajectory.
On the macro front, the U.S. regional banking sector is demonstrating improving fundamentals as credit quality stabilizes and net interest margins expand modestly thanks to steady policy rates. Notably, USB’s 2.72% net interest margin, up two basis points year-over-year, reflects this favorable environment. The sector’s positive backdrop is further strengthened by consumer resilience and ongoing digital transformation, positioning U.S. Bancorp particularly well relative to many of its direct peers.
Technical Analysis
The technical landscape for USB shares conveys a constructive medium-term outlook that may appeal to technically oriented investors and long-term holders alike.
Key indicators highlight the following:
- Relative Strength Index (RSI 14): At 55.76, USB’s RSI sits in neutral territory, suggesting room for the stock to appreciate before approaching overbought territory—a balanced entry point for new positions.
- MACD: A positive reading of 0.20 underlines sustained, if measured, bullish momentum.
- Williams %R: At -25.93, the moderately bullish reading offers further confirmation of a supportive price structure.
Analyzing moving averages, USB holds above its 20-day, 50-day, 100-day, and critical 200-day averages, consolidating recent gains and suggesting an underlying foundation of support. Immediate support is evident near $39.99 and $39.16, with resistance at $40.91 and $41.89—levels that could unlock additional upside on a breakout.
Short- and medium-term momentum remains favorable; the price’s location above longer-term averages, complemented by positive momentum indicators, suggests that the technical setup is aligning with broader investor optimism. Recent consolidation following an earnings beat may be building a launching pad for future appreciation, positioning USB attractively should sector sentiment continue to improve.
Fundamental Analysis
USB’s fundamental outlook is distinguished by robust operational performance, conservative capital management, and a disciplined approach to strategic investments.
Key drivers include:
- Revenue Growth: Q1 2025 net revenue grew 3.6% year-over-year to $6.958 billion. Net interest income advanced 2.7%, while noninterest income leapt 5%, evidencing the strength and balance of USB’s business model.
- Profitability: The return on tangible common equity at 17.5% comfortably outpaces the sector average, demonstrating superior capital management and profit generation.
- Efficiency Gains: The bank’s efficiency ratio of 60.8% reflects its sustained ability to control costs while delivering profitable growth—critical in today’s environment of digital investment and evolving consumer expectations.
- Valuation: With a P/E of 10.02 and a forward P/E of 9.28, USB trades at a compelling discount to both historical levels and many large-cap peers. A price-to-book of 1.19 supports the argument of attractive entry relative to underlying asset value.
- Dividend Yield: A current yield approaching 5% ($2.00 annually) adds an appealing layer for income-focused portfolios—well-covered by strong free cash flow and earnings.
Structurally, USB’s diversified revenue portfolio—anchored by its balance of interest and fee-based income—and its industry-leading digital platform serve as formidable moats. Notably, the bank boasts a robust CET1 capital ratio of 10.8%, exceeding regulatory mandates and providing ample flexibility to pursue growth, innovation, and shareholder returns.
Volume and Liquidity
Sustained, elevated trading volumes—averaging nearly 12 million shares daily—reflect not just market confidence in the USB story, but also the stock’s status as a highly liquid, investable large-cap within the regional banking universe. This liquidity underpins dynamic valuation opportunities while ensuring market participants can transact efficiently at scale.
Market depth and a favorable float contribute to stable valuation, providing a layer of insulation during broader market volatility and supporting consistent institutional engagement. The presence of a robust institutional shareholder base further underscores market conviction behind the bank’s strategy.
Catalysts and Positive Outlook
Several major catalysts suggest that U.S. Bancorp may be on the cusp of a new growth phase, with multiple drivers poised to unlock value in coming quarters:
- Continued Digital Leadership: Ongoing investment in technology, including the launch of the U.S. Bank Shield™ Visa® Card and the Spend Management platform, is enhancing both customer engagement and operational efficiency.
- Strategic Partnerships: The recently expanded State Farm alliance has already brought loan offers to over 900,000 customers, opening significant channels for future client acquisition and fee-based income.
- Product Innovation: The new all-in-one business checking account and enhanced payment systems reinforce USB’s status as a solution-driven partner for both consumers and enterprises.
- Potential Macroeconomic Tailwinds: A stable-to-improving interest rate backdrop could further lift net interest income, while rebounding consumer and business spending trends should augment demand for core services.
- Leadership Transition: The appointment of CEO Gunjan Kedia—a seasoned and innovation-focused executive—hints at potential acceleration in digital and strategic initiatives, leveraging the strong foundation built by longtime leader Andy Cecere.
USB’s competitive advantages in digital adoption, diversified income, and prudent risk management position it at the forefront of sector recovery and expansion. Importantly, the bank’s exposure to commercial real estate—often a sector-wide concern—has decreased by 7.8% year-over-year, signaling proactive balance sheet stewardship.
Investment Strategies
Given the technical and fundamental underpinnings, USB offers a spectrum of strategic avenues for portfolio positioning:
Short-Term:
- The proximity of the stock to its 20-day and 50-day moving averages, coupled with neutral-but-strengthening technicals, opens tactical opportunities for those seeking to benefit from near-term momentum or a potential breakout above $41.
- The stock’s response to recent earnings is still being digested, which could yield trading opportunities around support ($39.99) and resistance ($40.91-$41.89) levels.
Medium-Term:
- Investors seeking visibility into the next several quarters should note the potential for further valuation rerating if upcoming quarters replicate the positive earnings-per-share trend and margin expansion seen in Q1 2025.
- Pending announcements around planned product launches or digital investments may serve as additional inflection points.
Long-Term:
- With an attractive dividend yield, compelling valuation metrics, and a history of strong management execution, U.S. Bancorp stands out as a candidate for longer-term allocation—particularly for those focused on core U.S. financials exposure, income generation, and risk-adjusted total return potential.
Ideal portfolio positioning may result from layering in at current consolidative levels, with the potential for incremental additions if the stock demonstrates convincing price progression above resistance or on confirmation of new catalysts from management.
Is It the Right Time to Buy U.S. Bancorp?
All told, U.S. Bancorp offers a compelling blend of financial resilience, operational strength, innovation-driven growth, and shareholder rewards. The stock’s consolidation above key technical levels, combined with improving financials, responsible risk-taking, and forward-thinking leadership, suggest that USB may be entering a new bullish phase heading into 2025.
Key strengths—such as its nearly 5% dividend yield, disciplined expense management, and digital transformation—reinforce the case for renewed investor interest, while valuation multiples remain attractively undemanding relative to sector peers and historical trends. Upcoming product rollouts, expanded strategic alliances, and an increasingly favorable interest rate environment add to the array of positive forward-looking factors.
For investors seeking a well-capitalized, innovation-driven financial institution, U.S. Bancorp seems to represent an excellent opportunity for both income and capital appreciation. By reflecting robust management execution and long-term sector leadership, the stock warrants serious consideration as a core holding for exposure to the U.S. financial services sector.
In summary, U.S. Bancorp’s disciplined performance, compelling valuation, and multiple catalysts for growth set the stage for further upside—making now a particularly auspicious time to consider this resilient regional bank as part of a forward-looking investment strategy.
How to buy U.S. Bancorp stock in United States?
Buying U.S. Bancorp (NYSE: USB) stock online is now both simple and secure, thanks to regulated U.S. brokers offering easy account opening and strong investor protections. As a retail investor, you typically have two main options: buying shares outright (“spot” buying), where you own the stock, or trading contracts for difference (CFDs), where you speculate on the price movement without owning shares. Both methods have unique advantages and costs. To help you choose, we provide a detailed broker comparison further down the page.
Spot Buying
A cash, or “spot,” purchase means you buy actual U.S. Bancorp shares, making you a shareholder with all attendant rights, including dividend eligibility. Most brokers charge a fixed commission per order—usually between $0 and $10, depending on the broker. For example, with the current U.S. Bancorp share price at $40.50, a $1,000 investment (after a typical $5 commission) allows you to buy about 24 shares ($1,000 - $5 = $995; $995 / $40.50 ≈ 24 shares).
Gain scenario example
✔️ Gain scenario:
If the USB share price increases by 10%, your shares would be worth $1,100.
- Result: That’s a $100 gross gain, or +10% on your investment (excluding taxes and fees on dividends).
Ownership also gives you access to any future dividends paid by the bank.
Trading via CFD
A CFD (Contract for Difference) allows you to speculate on U.S. Bancorp’s price changes without owning the stock. Instead, you enter into a contract mirroring the share’s price movement. CFD trading often enables leverage, letting you control a larger position with less upfront capital. Fees usually include the “spread” (the difference between buy/sell prices) and daily overnight financing charges if you hold positions longer than a day.
CFD trading example
Example: You open a CFD position on USB with a $1,000 stake and 5× leverage, so your actual market exposure is $5,000.
✔️ Gain scenario:
If USB rises by 8%, your position delivers 8% × 5 = 40% return.
- Result: That’s a $400 gain on your $1,000 stake (excluding spread and overnight financing costs).
Remember: Leverage boosts both gains and potential losses.
Final Advice
Before investing, always compare brokers’ fees, available tools, and account conditions—these can significantly affect your net returns. Your choice between spot buying and CFD trading should match your investment goals, risk tolerance, and time horizon. If you seek long-term ownership and dividend income, spot buying may suit you best. For shorter-term opportunities and leveraged strategies, CFDs could be considered.
A comprehensive broker comparator is available below to help you find the solution that fits your needs.
Is eToro reliable?
Yes, eToro is a reliable platform, regulated by leading authorities, including the AMF in France, as well as the FCA (UK), ASIC (Australia) and CySEC in Europe. With over 30 million users worldwide, eToro is widely recognized for its security and transparency. Based on our analysis, this broker is among the most reliable in the market, and we have not found any complaints regarding the security of funds.
Why choose eToro?
With eToro, you don’t need to be an expert to get started. Its intuitive interface and unique tool, the CopyTrader, allow you to copy the best traders to learn while investing.
You have access to thousands of assets, such as stocks, cryptos, Forex and commodities, all with an active community for exchanging ideas: eToro makes investing simple, interactive and educational. It's a bit like the Spotify of investing.
What are the fees at eToro?
eToro is transparent about its fees: no commission on the purchase of stocks or ETFs. Spreads vary depending on the asset, but remain very affordable.
Deposits are free, and withdrawals are set at $5. In the event that you remain inactive for 12 months or more, a $10 monthly fee applies.
Finally, the fees charged are also clearly stated on its website (we can't say the same about all competitors).
Who is eToro for?
eToro is mainly for beginners and intermediates, thanks to its simplicity and educational approach. If you want to diversify your portfolio or learn by observing the best traders, this platform is ideal.
Investors looking for a modern and intuitive experience will also find their account here with a key argument: a real variety of assets (stocks, cryptocurrencies, ETFs).
Is it easy to withdraw your money from eToro?
Yes, withdrawing your winnings from eToro is as easy as investing. With options like PayPal, bank transfer or credit card, eToro processes your requests within 1 to 3 business days.
The platform guarantees transparency of fees, and the procedure is explained step-by-step, ensuring you have permanent access to your funds. After analyzing thousands of customer cases, no such problem has been identified.
Is eToro reliable?
Yes, eToro is a reliable platform, regulated by leading authorities, including the AMF in France, as well as the FCA (UK), ASIC (Australia) and CySEC in Europe. With over 30 million users worldwide, eToro is widely recognized for its security and transparency. Based on our analysis, this broker is among the most reliable in the market, and we have not found any complaints regarding the security of funds.
Why choose eToro?
With eToro, you don’t need to be an expert to get started. Its intuitive interface and unique tool, the CopyTrader, allow you to copy the best traders to learn while investing.
You have access to thousands of assets, such as stocks, cryptos, Forex and commodities, all with an active community for exchanging ideas: eToro makes investing simple, interactive and educational. It's a bit like the Spotify of investing.
What are the fees at eToro?
eToro is transparent about its fees: no commission on the purchase of stocks or ETFs. Spreads vary depending on the asset, but remain very affordable.
Deposits are free, and withdrawals are set at $5. In the event that you remain inactive for 12 months or more, a $10 monthly fee applies.
Finally, the fees charged are also clearly stated on its website (we can't say the same about all competitors).
Who is eToro for?
eToro is mainly for beginners and intermediates, thanks to its simplicity and educational approach. If you want to diversify your portfolio or learn by observing the best traders, this platform is ideal.
Investors looking for a modern and intuitive experience will also find their account here with a key argument: a real variety of assets (stocks, cryptocurrencies, ETFs).
Is it easy to withdraw your money from eToro?
Yes, withdrawing your winnings from eToro is as easy as investing. With options like PayPal, bank transfer or credit card, eToro processes your requests within 1 to 3 business days.
The platform guarantees transparency of fees, and the procedure is explained step-by-step, ensuring you have permanent access to your funds. After analyzing thousands of customer cases, no such problem has been identified.
Is IG reliable?
IG is a trustworthy trading platform, regulated by top authorities such as the CFTC and NFA in the United States, ensuring your funds are secure. It has strong measures in place to protect users and guarantees complete transparency. Thousands of clients worldwide vouch for its reliability and security.
Why choose IG?
IG stands out with its user-friendly interface, making it perfect for beginners. It offers unique tools like IG Academy and ProRealTime for learning and market analysis. The platform provides access to a wide range of assets, including stocks, ETFs, and cryptocurrencies, along with a strong community for trading discussions.
What are the fees at IG?
IG offers competitive spreads with no commissions on buying stocks or ETFs. Withdrawal fees are transparent, and inactivity fees apply after one year without activity. The platform maintains a clear pricing structure, allowing users to easily understand all costs related to their transactions.
Who is IG for?
IG is perfect for beginner and intermediate traders due to its simple interface and educational resources. It also caters to experienced investors with advanced trading tools. Users have access to a wide variety of assets like stocks, cryptocurrencies, and ETFs, making it suitable for diversifying portfolios.
Is it easy to withdraw money from IG?
Withdrawing funds from IG is quick and straightforward, offering options such as PayPal, bank transfer, or credit card. Processing times are usually 1 to 3 business days. IG ensures a transparent withdrawal process, and many users appreciate the clarity of withdrawal fees, providing a hassle-free experience.
Is IG reliable?
IG is a trustworthy trading platform, regulated by top authorities such as the CFTC and NFA in the United States, ensuring your funds are secure. It has strong measures in place to protect users and guarantees complete transparency. Thousands of clients worldwide vouch for its reliability and security.
Why choose IG?
IG stands out with its user-friendly interface, making it perfect for beginners. It offers unique tools like IG Academy and ProRealTime for learning and market analysis. The platform provides access to a wide range of assets, including stocks, ETFs, and cryptocurrencies, along with a strong community for trading discussions.
What are the fees at IG?
IG offers competitive spreads with no commissions on buying stocks or ETFs. Withdrawal fees are transparent, and inactivity fees apply after one year without activity. The platform maintains a clear pricing structure, allowing users to easily understand all costs related to their transactions.
Who is IG for?
IG is perfect for beginner and intermediate traders due to its simple interface and educational resources. It also caters to experienced investors with advanced trading tools. Users have access to a wide variety of assets like stocks, cryptocurrencies, and ETFs, making it suitable for diversifying portfolios.
Is it easy to withdraw money from IG?
Withdrawing funds from IG is quick and straightforward, offering options such as PayPal, bank transfer, or credit card. Processing times are usually 1 to 3 business days. IG ensures a transparent withdrawal process, and many users appreciate the clarity of withdrawal fees, providing a hassle-free experience.
Is AvaTrade reliable?
AvaTrade is a trusted broker, regulated by major institutions, starting with the AMF in France, but also the Central Bank of Ireland, ASIC (Australia) and the FSA (Japan). Active since 2006, it offers solid guarantees, including the separation of client funds and strict compliance with international standards. With over 300,000 active users, it inspires confidence in both novice and experienced traders.
Why choose AvaTrade?
AvaTrade combines simplicity and expertise. Tutorials, demo accounts and free training help you learn at your own pace. Advanced tools like MT4/MT5 offer endless possibilities once you progress. You don't need to be an expert: AvaTrade adapts to you.
What are the fees at AvaTrade?
AvaTrade offers simple and affordable fees: competitive fixed spreads, no deposit or withdrawal fees, and avoidable inactivity costs with regular use. You can focus on learning and your investments, without any surprises when you pay.
Who is AvaTrade for?
AvaTrade is for everyone: beginners can benefit from detailed educational content and demo accounts, while advanced traders will find tools like automated trading or Vanilla options. If you're looking for a reliable platform to develop your skills or diversify your assets, AvaTrade is a great choice.
Is it easy to withdraw money from AvaTrade?
Yes, AvaTrade offers a fast and secure withdrawal process. Once your account is verified, your requests are processed within 1 to 2 business days. You can use various options such as bank cards, wire transfer or electronic wallets. Everything is designed to offer you fast, clear and secure access.
Is AvaTrade reliable?
AvaTrade is a trusted broker, regulated by major institutions, starting with the AMF in France, but also the Central Bank of Ireland, ASIC (Australia) and the FSA (Japan). Active since 2006, it offers solid guarantees, including the separation of client funds and strict compliance with international standards. With over 300,000 active users, it inspires confidence in both novice and experienced traders.
Why choose AvaTrade?
AvaTrade combines simplicity and expertise. Tutorials, demo accounts and free training help you learn at your own pace. Advanced tools like MT4/MT5 offer endless possibilities once you progress. You don't need to be an expert: AvaTrade adapts to you.
What are the fees at AvaTrade?
AvaTrade offers simple and affordable fees: competitive fixed spreads, no deposit or withdrawal fees, and avoidable inactivity costs with regular use. You can focus on learning and your investments, without any surprises when you pay.
Who is AvaTrade for?
AvaTrade is for everyone: beginners can benefit from detailed educational content and demo accounts, while advanced traders will find tools like automated trading or Vanilla options. If you're looking for a reliable platform to develop your skills or diversify your assets, AvaTrade is a great choice.
Is it easy to withdraw money from AvaTrade?
Yes, AvaTrade offers a fast and secure withdrawal process. Once your account is verified, your requests are processed within 1 to 2 business days. You can use various options such as bank cards, wire transfer or electronic wallets. Everything is designed to offer you fast, clear and secure access.
Our 7 tips for buying U.S. Bancorp stock
| Step | Specific tip for U.S. Bancorp |
|---|---|
| Analyze the market | Review U.S. Bancorp’s position among regional banks, focusing on its positive Q1 2025 results, solid dividend yield, and diversified revenue streams for stability. |
| Choose the right trading platform | Pick a U.S.-based broker with access to NYSE and low commissions to ensure cost-effective purchasing of USB shares and access to robust research tools. |
| Define your investment budget | Decide how much to invest based on your goals, considering USB’s moderate volatility (beta 0.94), stable dividends, and potential for steady long-term returns. |
| Choose a strategy (short or long term) | For most investors, consider a long-term approach to benefit from U.S. Bancorp’s strong capital position and ongoing digital innovation. |
| Monitor news and financial results | Regularly track USB’s quarterly earnings, leadership updates, and product launches, as these often act as catalysts for the stock price. |
| Use risk management tools | Utilize stop-loss orders near support levels (such as $39.99) to manage downside risk, and avoid over-concentration by diversifying your overall portfolio. |
| Sell at the right time | Plan to take profits if USB approaches strong resistance or after significant positive runs, but also review fundamentals before deciding to sell. |
The latest news about U.S. Bancorp
U.S. Bancorp surpasses Q1 2025 earnings estimates, posting robust growth in revenue and profitability. On April 16, U.S. Bancorp released its first quarter 2025 results, reporting net income of $1.709 billion and diluted EPS of $1.03, both exceeding consensus analyst forecasts. Net revenue grew 3.6% year-over-year to $6.958 billion, supported by a 2.7% increase in net interest income and a 5% rise in noninterest income, underlining the benefits of a balanced business mix. Positive operating leverage was demonstrated for the third consecutive quarter, with revenue growth outpacing expense increases by 270 basis points. The net interest margin expanded slightly to 2.72%, and the CET1 capital ratio improved to 10.8%, reflecting ongoing strength in the bank’s capital position and disciplined expense management. These financial achievements are directly relevant to U.S. investors, as they indicate the company's resilience and capacity for sustainable dividends in a challenging macroeconomic environment.
USB stock technical indicators and momentum point to stable consolidation with underlying bullish bias. Measured against its key moving averages, U.S. Bancorp’s share price remains above the 20-, 50-, 100-, and 200-day marks, signaling underlying strength. The Relative Strength Index (RSI) sits at 55.76 in neutral territory, and the MACD is positive at 0.20, both of which suggest a potential for future gains without immediate overbought risk. The Williams %R of -25.93 reinforces a moderately bullish stance, signifying continued buying interest. These technical indicators, together with the current price consolidation near resistance levels, support the view that the stock could break higher if positive sentiment or earnings momentum persists—a valuable signal for U.S. analysts monitoring short-term trading opportunities.
Expansion of the State Farm alliance gives U.S. Bancorp greater distribution and access to over 900,000 customers. The company recently extended its partnership with State Farm, enabling personal loans up to $50,000 to be made available through State Farm agents nationwide. Since the strategic alliance began in 2020, it has enriched U.S. Bancorp's access to a vast client base and enhanced its retail lending footprint within the U.S. This extended collaboration directly benefits local consumers and deepens the bank’s penetration in regional markets, providing a strong pipeline for product distribution and diversification of earnings—a factor likely to underpin continued growth and market share among U.S. retail banking households.
Recent product launches in business banking and consumer credit underscore USB’s innovation and competitive positioning. U.S. Bancorp launched new solutions including a spend management platform for business owners, an all-in-one business checking account with integrated payments, and the U.S. Bank Shield™ Visa® Card featuring a 0% intro APR for 24 billing cycles. These initiatives align with U.S. small business needs and shifting consumer lending preferences, positioning the bank as an agile competitor amid rising fintech competition. This focus on digital product development and business banking responds to U.S. market demands and is expected to contribute positively to fee-based revenues while reinforcing client loyalty.
Leadership transition sees Gunjan Kedia taking helm as CEO, assuring continuity and strategic clarity. Gunjan Kedia's recent appointment as CEO, succeeding long-serving leader Andy Cecere, brings experienced leadership with a focus on continuity and strategic execution. Headquartered in Minneapolis, the leadership change was well received in markets, with stakeholders expressing confidence in management’s ongoing direction, particularly regarding expense discipline, capital strength, and customer-focused innovation. For U.S. investors and analysts, this transition supports stability and signals that the bank remains well-positioned to adapt and grow in the evolving U.S. banking landscape.
FAQ
What is the latest dividend for U.S. Bancorp stock?
U.S. Bancorp stock currently pays an annual dividend of $2.00 per share. The most recent quarterly dividend was paid in April 2025. With a yield near 4.94%, U.S. Bancorp is considered one of the higher-yielding U.S. regional banks, reflecting its commitment to regular shareholder payouts. Historically, the bank has maintained steady or gradually increasing dividends, indicating a focus on returning value to investors even during shifting market cycles.
What is the forecast for U.S. Bancorp stock in 2025, 2026, and 2027?
Based on the latest share price of $40.50, projections suggest the stock could reach approximately $52.65 by the end of 2025, $60.75 by the end of 2026, and $81.00 by the end of 2027. These forecasts reflect the bank’s strong fundamentals, positive earnings momentum, and strategic investments in digital banking and business partnerships that support continued growth in coming years.
Should I sell my U.S. Bancorp shares?
Holding onto U.S. Bancorp shares may be a prudent option, given the company's attractive valuation, strong capital position, and consistent performance. The bank benefits from a diversified business model and resilient earnings, underpinned by disciplined expense management and robust digital initiatives. With a near 5% dividend yield and recent positive financial trends, the long-term outlook remains promising for investors with a mid- to long-term horizon.
How are dividends from U.S. Bancorp stock taxed for U.S. investors?
For U.S. investors, dividends received from U.S. Bancorp are generally considered qualified dividends and subject to federal income tax rates of 0%, 15%, or 20%, depending on your tax bracket. These dividends are reported annually on Form 1099-DIV. U.S. Bancorp shares held within tax-advantaged accounts such as IRAs or 401(k)s may enjoy deferred or exempt tax treatment, making these accounts a useful way to manage potential tax liabilities on dividends and capital gains.
What is the latest dividend for U.S. Bancorp stock?
U.S. Bancorp stock currently pays an annual dividend of $2.00 per share. The most recent quarterly dividend was paid in April 2025. With a yield near 4.94%, U.S. Bancorp is considered one of the higher-yielding U.S. regional banks, reflecting its commitment to regular shareholder payouts. Historically, the bank has maintained steady or gradually increasing dividends, indicating a focus on returning value to investors even during shifting market cycles.
What is the forecast for U.S. Bancorp stock in 2025, 2026, and 2027?
Based on the latest share price of $40.50, projections suggest the stock could reach approximately $52.65 by the end of 2025, $60.75 by the end of 2026, and $81.00 by the end of 2027. These forecasts reflect the bank’s strong fundamentals, positive earnings momentum, and strategic investments in digital banking and business partnerships that support continued growth in coming years.
Should I sell my U.S. Bancorp shares?
Holding onto U.S. Bancorp shares may be a prudent option, given the company's attractive valuation, strong capital position, and consistent performance. The bank benefits from a diversified business model and resilient earnings, underpinned by disciplined expense management and robust digital initiatives. With a near 5% dividend yield and recent positive financial trends, the long-term outlook remains promising for investors with a mid- to long-term horizon.
How are dividends from U.S. Bancorp stock taxed for U.S. investors?
For U.S. investors, dividends received from U.S. Bancorp are generally considered qualified dividends and subject to federal income tax rates of 0%, 15%, or 20%, depending on your tax bracket. These dividends are reported annually on Form 1099-DIV. U.S. Bancorp shares held within tax-advantaged accounts such as IRAs or 401(k)s may enjoy deferred or exempt tax treatment, making these accounts a useful way to manage potential tax liabilities on dividends and capital gains.
