U.S. Bancorp (NYSE:USB) is a major player in the American banking sector, ranking as the fifth-largest lender in the United States. The company offers a wide range of financial services, including retail and commercial banking, wealth management, and payment services. U.S. Bancorp competes with other large financial institutions like JPMorgan Chase, Bank of America, and Wells Fargo.

On January 20, 2026, U.S. Bancorp reported earnings per share (EPS) of $1.26, surpassing the estimated $1.19. This positive performance was driven by an increase in net interest income and fee income compared to the previous year. The company's actual revenue of approximately $7.92 billion also exceeded the estimated $7.32 billion, highlighting its strong financial performance.

The company's fourth-quarter profit surged by nearly 23%, driven by higher earnings from interest payments and an increase in fee revenue. This growth was supported by reduced expenses and enhanced operating efficiency, as highlighted by Business Wire. U.S. Bancorp's ability to manage costs effectively contributed to its impressive financial results.

U.S. Bancorp's valuation metrics provide further insights into its financial health. The company has a price-to-earnings (P/E) ratio of approximately 11.75, indicating the market's valuation of its earnings. Its price-to-sales ratio stands at about 1.98, reflecting the market's valuation of its revenue. Additionally, the enterprise value to sales ratio is around 2.25, and the enterprise value to operating cash flow ratio is approximately 9.66.

The company's financial leverage is indicated by a debt-to-equity ratio of approximately 1.23. This suggests a balanced approach to financing its operations. However, the current ratio of around 0.12 suggests that U.S. Bancorp may face challenges in covering its short-term liabilities with its short-term assets. Despite this, the earnings yield of about 8.51% offers a perspective on the return on investment for shareholders.