U.S. Bancorp USB NYSE

U.S. Bancorp (USB) generated $2.84B in operating cash flow for quarter ending 2025-12-31. After capital expenditures of $0.00, free cash flow was $2.84B.

Free cash flow margin was 25.8% of revenue. Cash conversion ratio was 1.39x, indicating earnings are backed by cash.

The company returned $813M in dividends and $122M in share buybacks to shareholders during the quarter.

Criteria supported by this page:

• HEALTH (17/100, Fail) — weak cash flow raises concerns about debt servicing
• MOAT (69/100, Partial) — cash flow generation is present but not at levels indicating a wide moat
• INCOME (70/100) — Cash conversion ratio was 1.39x confirms earnings are backed by real cash flow

Overall SharesGrow Score: 63/100 with 4/7 criteria passed.