U.S. Bancorp
0.53 %
7.64 %
Yet to be announced
Company Overview
U.S. Bancorp provides various financial services to individuals, businesses, institutional organizations, governmental entities and other financial institutions. It operates in Corporate and Commercial Banking, Consumer and Business Banking, Wealth Management and Investment Services, Payment Services, and Treasury and Corporate Support segments. As of December 31, 2021, the company provided its products and services through a network of 2,230 banking offices.
Revenue Sources
FailAs a traditional bank, U.S. Bancorp's primary business model revolves around interest-based lending and borrowing. The company generates a significant portion of its revenue from interest income through various lending products including mortgages, commercial loans, and consumer credit.
Reliance on Interest
| Reporting Date | Total Revenue | Total Expense | Interest Income | Interest Expense | Interest Income Ratio | Interest Expense Ratio |
|---|---|---|---|---|---|---|
| March 31, 2025 | $6.93b | $3.42b | $4.09b | $3.42b | 59.06% | 100.00% |
| June 30, 2024 | $6.84b | $3.96b | $4.02b | $3.96b | 58.83% | 100.00% |
| March 31, 2024 | $6.68b | $3.78b | $3.98b | $3.78b | 59.61% | 100.00% |
Based on the financial data provided, interest expense represents a substantial portion of total expenses, and interest income constitutes a majority of total revenue across all four quarters. Analysis of the past four quarters shows that interest income consistently makes up over 50% of total revenue, while interest expense represents a significant portion of total expenses. This indicates that interest-based activities are core to U.S. Bancorp's business model rather than incidental.
Operational Ethics
PassBased on available information from SEC filings and company reports, there is no evidence of significant ongoing associations with entities involved in human rights violations such as the state of Israel or the Chinese Communist Party.
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