U.S. Bancorp USB NYSE

U.S. Bancorp (USB) reported moderate year-over-year revenue growth of +0.3% through 2025-12 (TTM revenue vs prior-year TTM). Net income showed exceptional earnings expansion of +20.3% YoY, reaching $2.1B in the latest quarter. The net profit margin is 18.7%, which is high. The company has maintained profitability in all 4 quarters. The gross margin is 62.8% (high), up 4pp vs the prior year. With a $87B market cap, MOAT composite score of 84/100 (strong competitive position).

Criteria proven by this page:

• GROWTH (73/100, Partial) — growth is present but not consistently above 5% across both metrics
• PAST (100/100, Pass) — proving consistent earnings. Looking at the full 41-year annual history, the company was profitable in 41 of 41 years — a perfect long-term track record
• INCOME (70/100, Pass) — proves strong profitability and pricing power
• MOAT (84/100, Pass) — strong gross margins and market scale prove a durable competitive advantage

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