{"filings":[{"id":98073,"accession_number":"0001193125-26-173818","cik":36104,"company_name":"US BANCORP DE","ticker":"USB","form_type":"8-K","filed_at":"2026-04-23T23:59:59+00:00","items":["5.07","9.01"],"status":"ready","headline":"U.S. Bancorp shareholders elect all 12 directors, approve say-on-pay, ratify auditor","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All 12 director nominees elected; votes for ranged from 1.097B (Hernandez) to 1.214B (Reynolds).","Advisory vote on executive compensation passed with 1.138B for, 79.2M against, 5.97M abstentions.","Ratification of Ernst & Young as 2026 auditor approved with 1.315B for, 58.3M against, 3.02M abstentions.","Broker non-votes of ~153M on director election and say-on-pay; none on auditor ratification."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":82737580000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":98072,"accession_number":"0000036104-26-000021","cik":36104,"company_name":"US BANCORP DE","ticker":"USB","form_type":"8-K","filed_at":"2026-04-16T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"USB Q1 net income $1.95B (+14% YoY); EPS $1.18 (+15% YoY); NIM 2.77%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net revenue $7,288M; net interest income $4,291M (+4.1% YoY); fee revenue $2,997M (+5.7% YoY)","Return on avg assets 1.15% vs 1.04% YoY; efficiency ratio 58.2% vs 60.8% YoY; positive operating leverage 440 bps","Average loans +3.8% YoY to $393.6B; average deposits +1.7% YoY to $515.1B; CET1 ratio 10.8%","Provision for credit losses $576M vs $537M YoY; net charge-off ratio 0.56% vs 0.59% YoY","Dividend declared $0.52 per share, unchanged from prior quarter"],"consensus_eps_estimate":null,"consensus_eps_actual":1.18,"consensus_revenue_estimate":null,"consensus_revenue_actual":7288000000.0,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":82737580000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":98071,"accession_number":"0000036104-26-000017","cik":36104,"company_name":"US BANCORP DE","ticker":"USB","form_type":"8-K","filed_at":"2026-04-08T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"U.S. Bancorp reclassifies revenue and loan lines; no impact on net income, total assets, or EPS","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Corporate payment products revenue renamed to Corporate payment and treasury management revenue, now includes treasury management and stored-value card revenue.","Service charges renamed to Lending and deposit-related fees; loan and leasing fees moved from Capital markets revenue.","Small business credit card loans reclassified from Commercial to Credit card loan portfolio.","Impact Finance business unit moved from Treasury and Corporate Support to Wealth, Corporate, Commercial and Institutional Banking segment.","Historical financial data restated for quarters Q1 2024 through Q4 2025; no change to previously reported net income, total loans, or diluted EPS."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":82737580000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":113341,"accession_number":"0001193125-26-098675","cik":36104,"company_name":"US BANCORP DE","ticker":"USB","form_type":"8-K","filed_at":"2026-03-09T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"U.S. Bancorp establishes Medium-Term Note Program for Series EE (Senior) and Series FF (Subordinated) Notes","summary_kind":"llm","event_type":"debt","confidence":"medium","bullets":["Program established on March 9, 2026; Series EE Notes (Senior) and Series FF Notes (Subordinated) authorized.","Notes issuable under amended Indenture dated 1991 with Citibank, N.A. as trustee.","Offering registered under Form S-3 (File No. 333-294133) filed same day.","Distribution agreement entered with U.S. Bancorp Investments, Inc. and other agents.","No specific principal amount or interest rate disclosed; program allows future issuances."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":82737580000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":113340,"accession_number":"0001193125-26-029382","cik":36104,"company_name":"US BANCORP DE","ticker":"USB","form_type":"8-K","filed_at":"2026-01-29T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"U.S. Bancorp adopts Executive Change in Control Severance Plan effective Jan 27, 2026","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Plan provides lump-sum severance of 2x base salary plus 2x target annual incentive for executives upon qualifying termination within 24 months after a change in control.","Covered participants include executive officers and other officers designated by CEO or Committee.","Participation requires signing a participation agreement, release, and compliance with confidentiality, non-solicitation, and non-compete covenants.","Plan is effective January 27, 2026 and replaces prior change in control benefits for covered executives."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":82737580000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":113339,"accession_number":"0001193125-26-026195","cik":36104,"company_name":"US BANCORP DE","ticker":"USB","form_type":"8-K","filed_at":"2026-01-28T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"U.S. Bancorp names CEO Gunjan Kedia as Chairman; Andy Cecere to retire from board in April 2026","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Andrew Cecere, current executive chairman, will retire at the 2026 annual meeting after 40 years; departure not due to any disagreement.","Gunjan Kedia, CEO and President since April 2025, elected Chairman effective upon Cecere's retirement (April 21, 2026).","Kedia joined U.S. Bancorp in 2016 and previously led Wealth, Corporate, Commercial and Institutional Banking.","Roland Hernandez will continue as lead independent director of the Board."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":82737580000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":113338,"accession_number":"0000036104-26-000005","cik":36104,"company_name":"US BANCORP DE","ticker":"USB","form_type":"8-K","filed_at":"2026-01-20T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"U.S. Bancorp Q4 2025 record net revenue $7.365B, net income $2.045B up 23% YoY, EPS $1.26","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Record net revenue of $7,365M in Q4 2025; net income $2,045M up 23.0% YoY.","Diluted EPS $1.26, up 18% YoY as adjusted; full year 2025 diluted EPS $4.62.","Net interest margin 2.77%, up 6 bps YoY; efficiency ratio 57.4% improved from 61.5%.","CET1 capital ratio 10.8% at Dec 31, 2025; return on tangible common equity 18.4%.","Positive operating leverage of 440 bps as adjusted; record full year net revenue $28,656M."],"consensus_eps_estimate":null,"consensus_eps_actual":4.62,"consensus_revenue_estimate":null,"consensus_revenue_actual":28656000000.0,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":82737580000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":113337,"accession_number":"0001193125-26-011142","cik":36104,"company_name":"US BANCORP DE","ticker":"USB","form_type":"8-K","filed_at":"2026-01-13T23:59:59+00:00","items":["3.02","7.01","9.01"],"status":"ready","headline":"U.S. Bancorp to acquire BTIG for up to $1B; deal expected to close Q2 2026","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Target consideration up to $1B: $362.5M cash + 6,600,594 shares of common stock at close, plus up to $275M contingent cash over 3 years.","Acquisition bolsters institutional equity sales & trading, equity capital markets, M&A advisory, and electronic trading.","BTIG CEO Anton LeRoy and Executive Chairman Steven Starker to continue leading the business post-close.","Transaction to have negligible 2026 EPS impact; reduces CET1 ratio by ~12 bps with no impact to near-term capital return.","Expected to close in Q2 2026, subject to regulatory approvals; BTIG has ~700 employees and operates from 20 cities globally."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":82737580000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":129712,"accession_number":"0000036104-25-000066","cik":36104,"company_name":"US BANCORP DE","ticker":"USB","form_type":"8-K","filed_at":"2025-11-06T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"U.S. Bancorp to present at BancAnalysts Association of Boston Conference on Nov 7, 2025","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Presentation slides (Exhibit 99.1) furnished; discuss business performance and payments strategy.","Presenters: John Stern (CFO), Mark Runkel (Head of Payments: Merchants & Institutional), Courtney Kelso (Head of Payments: Consumer & Small Business).","Live webcast and replay available on U.S. Bancorp's Investor Relations website.","No new financial guidance or material metrics disclosed in the filing or exhibit."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":82737580000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":129711,"accession_number":"0000036104-25-000060","cik":36104,"company_name":"US BANCORP DE","ticker":"USB","form_type":"8-K","filed_at":"2025-10-16T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"U.S. Bancorp Q3 net income $2,001M, EPS $1.22, up 18.4% YoY; record revenue","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Record net revenue of $7,329M; net income $2,001M (+16.7% YoY); diluted EPS $1.22 vs $1.03.","Return on tangible common equity 18.6% vs 17.9% a year ago; efficiency ratio 57.2% improved 300 bps YoY.","Net interest margin 2.75%, up 9 bps linked quarter; average loans +1.4% YoY; CET1 ratio 10.9%.","Dividend declared $0.52 per common share, up from $0.50 in prior quarter.","Fee revenue grew 9.5% YoY; trust and investment mgmt fees $730M (+9.4% YoY)."],"consensus_eps_estimate":null,"consensus_eps_actual":3.35,"consensus_revenue_estimate":null,"consensus_revenue_actual":21291000000.0,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":82737580000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":146303,"accession_number":"0001193125-25-180829","cik":36104,"company_name":"US BANCORP DE","ticker":"USB","form_type":"8-K","filed_at":"2025-08-14T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"U.S. Bancorp enters into aircraft use agreements with CEO Gunjan Kedia","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["CEO Gunjan Kedia entered into time sharing and charter flight reimbursement agreements for corporate aircraft use.","Agreements allow personal commuting and approved travel; reimbursement limited to FAA-permitted costs under FAR 91.501.","U.S. Bank may enter similar agreements with other executive officers.","Charter flight agreement includes use of NetJets fractional program; U.S. Bank acts as limited agent."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":82737580000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":146302,"accession_number":"0000036104-25-000044","cik":36104,"company_name":"US BANCORP DE","ticker":"USB","form_type":"8-K","filed_at":"2025-07-17T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"U.S. Bancorp Q2 2025 net income $1.82B (+13% YoY), EPS $1.11 vs $0.97","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $1,815M ($1.11 diluted EPS) vs $1,603M ($0.97) in Q2 2024, up 13.2%.","Net revenue $7,004M (+2.0% YoY); fee revenue $2,924M (+4.6%).","Noninterest expense $4,181M, down 0.2% YoY adjusted; efficiency ratio 59.2%.","Average loans $378.5B (+1.0% YoY); CET1 ratio 10.7%.","Dividend declared $0.50/common share, up from $0.49 in Q2 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":2.14,"consensus_revenue_estimate":null,"consensus_revenue_actual":13962000000.0,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":82737580000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":146301,"accession_number":"0000036104-25-000039","cik":36104,"company_name":"US BANCORP DE","ticker":"USB","form_type":"8-K","filed_at":"2025-07-02T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"U.S. Bancorp gets preliminary SCB of 2.6%; plans 4% dividend increase to $0.52/share","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Preliminary Stress Capital Buffer set at 2.6% for Oct 2025–Sep 2026, requiring CET1 ratio of at least 7.1%.","Planned quarterly dividend increase from $0.50 to $0.52 per share (4% rise), subject to Board approval, in Q3 2025.","Company will continue share repurchases under its existing $5 billion buyback program.","CET1 ratio was 10.8% as of March 31, 2025, well above 'well-capitalized' minimums.","CEO Gunjan Kedia stated the bank is well-capitalized and ready for a severe economic downturn."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":82737580000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":164659,"accession_number":"0001628280-25-018230","cik":36104,"company_name":"US BANCORP DE","ticker":"USB","form_type":"8-K","filed_at":"2025-04-17T23:59:59+00:00","items":["5.07","9.01"],"status":"ready","headline":"U.S. Bancorp shareholders elect all 13 director nominees, approve say-on-pay and auditor, reject discrimination proposal","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All thirteen director nominees elected; Roland Hernandez received most votes against (57.2M) but still passed.","Advisory vote on executive compensation approved: 1.11B for, 105M against, 6.6M abstain.","Ratification of Ernst & Young as auditor for FY2025: 1.34B for, 44.7M against, 3.7M abstain.","Shareholder proposal on board oversight of discrimination risks failed: 21.3M for, 1.18B against."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":82737580000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":164658,"accession_number":"0001193125-25-082814","cik":36104,"company_name":"US BANCORP DE","ticker":"USB","form_type":"8-K","filed_at":"2025-04-16T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"US Bancorp sets CEO Kedia compensation; Cecere Executive Chairman terms approved","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["CEO Gunjan Kedia base salary $1.2M, target annual cash incentive 275% of base, effective Apr 16.","Additional PRSU award of $1.5M granted to Kedia under 2024 Stock Incentive Plan.","Executive Chairman Andrew Cecere base salary $1.4M; supplemental retirement benefit frozen as of Apr 15, 2025.","Amendment to Non-Qualified Retirement Plan locks actuarial assumptions for Cecere's lump-sum calculation.","Compensation effective following Apr 15 annual shareholders' meeting and board meeting."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":82737580000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":164657,"accession_number":"0000036104-25-000025","cik":36104,"company_name":"US BANCORP DE","ticker":"USB","form_type":"8-K","filed_at":"2025-04-16T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"U.S. Bancorp Q1 net income $1.71B, EPS $1.03, up from $0.78 YoY; NIM 2.72%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $1,709M, diluted EPS $1.03 vs $0.78 in Q1 2024 (+32% YoY).","Net revenue $6,958M (+3.6% YoY); net interest income $4,092M (+2.7%).","Net interest margin 2.72%, up 2 bps YoY; efficiency ratio improved to 60.8% from 66.4%.","CET1 ratio 10.8% (up from 10.0% a year ago); dividend declared $0.50/share.","Net charge-off ratio 0.59% vs 0.53% a year ago; loan growth 2.1% YoY."],"consensus_eps_estimate":null,"consensus_eps_actual":1.03,"consensus_revenue_estimate":null,"consensus_revenue_actual":6958000000.0,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":82737580000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":182384,"accession_number":"0001193125-25-067659","cik":36104,"company_name":"US BANCORP DE","ticker":"USB","form_type":"8-K","filed_at":"2025-03-31T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"U.S. Bancorp Vice Chair & CAO Terrance Dolan believed dead in Brooklyn Park plane crash","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Plane crash occurred March 29, 2025 in Brooklyn Park, MN; plane registered to Dolan-affiliated company.","Company believes Terrance R. Dolan (Vice Chair & Chief Administration Officer) was on board.","Medical examiner has not yet confirmed Mr. Dolan's identity.","No operational or succession details provided in the filing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":82737580000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":182383,"accession_number":"0001193125-25-062555","cik":36104,"company_name":"US BANCORP DE","ticker":"USB","form_type":"8-K","filed_at":"2025-03-25T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Director Kimberly J. Harris resigns from U.S. Bancorp board, effective March 24, 2025","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Kimberly J. Harris resigned for personal health reasons, effective immediately.","She will not stand for re-election at the 2025 annual meeting.","Resignation not due to any disagreement with the company on operations, policies, or practices."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":82737580000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":182382,"accession_number":"0001193125-25-018421","cik":36104,"company_name":"US BANCORP DE","ticker":"USB","form_type":"8-K","filed_at":"2025-01-31T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"U.S. Bancorp VP Kotwal to retire Feb 3; Director Wine not seeking re-election","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Shailesh M. Kotwal ceases as Vice Chair, Payment Services effective Feb 3, 2025; remains advisor through June 30.","Scott W. Wine will not stand for re-election at 2025 Annual Meeting for personal reasons; no disagreement with company.","Both departures were previously announced or unrelated to any policy dispute."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":82737580000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":182381,"accession_number":"0001193125-25-014216","cik":36104,"company_name":"US BANCORP DE","ticker":"USB","form_type":"8-K","filed_at":"2025-01-28T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Gunjan Kedia to become CEO of U.S. Bancorp on April 15, 2025; Cecere to Executive Chairman","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["President Gunjan Kedia elected CEO of U.S. Bancorp and U.S. Bank, effective April 15, 2025.","Current Chairman/CEO Andy Cecere to serve as Executive Chairman after transition.","Kedia appointed to the Board effective immediately; will serve on Executive Committee.","She receives $10M long-term incentive award (60% performance-based RSUs, 40% RSUs) granted Feb 27, 2025.","Base salary and target annual cash incentive for Kedia not yet determined."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":82737580000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":182380,"accession_number":"0000036104-25-000005","cik":36104,"company_name":"US BANCORP DE","ticker":"USB","form_type":"8-K","filed_at":"2025-01-16T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"U.S. Bancorp reports Q4 2024 net income of $1,663M, adjusted EPS $1.07","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $1,663M ($1.01 diluted EPS); adjusted net income $1,745M ($1.07 adjusted EPS).","Net revenue $7,009M (net interest income $4,176M, noninterest income $2,833M).","CET1 ratio 10.6%, up from 9.9% a year ago; return on tangible common equity 18.3% adjusted.","Noninterest expense decreased YoY and sequentially on adjusted basis; efficiency ratio 59.9% adjusted.","Full year 2024 net income $6,299M reported ($3.79 EPS), $6,599M adjusted ($3.98 adjusted EPS)."],"consensus_eps_estimate":null,"consensus_eps_actual":3.79,"consensus_revenue_estimate":null,"consensus_revenue_actual":27455000000.0,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":82737580000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":199002,"accession_number":"0001193125-24-252578","cik":36104,"company_name":"US BANCORP DE","ticker":"USB","form_type":"8-K","filed_at":"2024-11-07T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"USB CFO and banking head present at BAC Conference; slides furnished","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["CFO John Stern and Head of Wealth/Commercial Stephen Philipson present at BancAnalysts Association of Boston Conference on Nov 7.","Presentation slides attached as Exhibit 99.1 and available on USB investor relations website.","Live audio webcast and replay (available for one year) accessible at ir.usbank.com.","No new financial guidance or material business updates disclosed in the filing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":82737580000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":199001,"accession_number":"0000036104-24-000062","cik":36104,"company_name":"US BANCORP DE","ticker":"USB","form_type":"8-K","filed_at":"2024-10-16T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"U.S. Bancorp Reports Q3 2024 Net Income of $1.714 Billion and Diluted EPS of $1.03","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income attributable to U.S. Bancorp was $1,714 million for Q3 2024, up from $1,523 million in Q3 2023.","Diluted earnings per common share were $1.03, compared to $0.91 in the same quarter last year.","Net interest income on a taxable-equivalent basis increased 2.8% linked quarter to $4,166 million.","CET1 capital ratio improved to 10.5% at September 30, 2024, from 10.3% at June 30, 2024.","Noninterest expense decreased 1.0% year-over-year, with an efficiency ratio of 60.2%."],"consensus_eps_estimate":null,"consensus_eps_actual":2.77,"consensus_revenue_estimate":null,"consensus_revenue_actual":20446000000.0,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.9,"calibrated_materiality_score":0.9,"market_cap_usd":82737580000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":199000,"accession_number":"0001193125-24-237594","cik":36104,"company_name":"US BANCORP DE","ticker":"USB","form_type":"8-K","filed_at":"2024-10-15T23:59:59+00:00","items":["5.04","9.01"],"status":"ready","headline":"U.S. Bancorp announces 401(k) plan blackout period for insiders Dec 24 to Jan 12","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Blackout period Dec 24, 2024 to week of Jan 12, 2025 due to change in 401(k) recordkeeper/trustee and investment options.","Executive officers and directors prohibited from trading USB common stock during blackout period.","Participants cannot transfer assets, obtain/pay off loans, take distributions, or direct investments in USB stock fund.","Notice sent Oct 15, 2024; restrictions apply in addition to existing insider trading policy.","Violations may result in disgorgement of profits and civil/criminal penalties."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":82737580000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":215050,"accession_number":"0001193125-24-222476","cik":36104,"company_name":"US BANCORP DE","ticker":"USB","form_type":"8-K","filed_at":"2024-09-20T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"U.S. Bancorp issues $10M of Senior Medium-Term Notes due 2029","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued $10,000,000 of Series CC Callable Fixed Rate Notes due September 20, 2029.","Notes issued under the Company's medium-term note program (Series CC Senior and Series DD Subordinated).","Offering registered under Form S-3 (File No. 333-270467); legal opinion from Willkie Farr & Gallagher filed."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":82737580000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":215049,"accession_number":"0001193125-24-217564","cik":36104,"company_name":"US BANCORP DE","ticker":"USB","form_type":"8-K","filed_at":"2024-09-12T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"U.S. Bancorp sets medium-term targets: ROA 0.9-1.1%, ROTCE 14-17%","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Medium-term ROTCE target of 14-17% and ROA target of 0.9-1.1% (non-GAAP).","Fee income growth target of mid-single digits annually; efficiency ratio target ~55-57%.","Digital engagement: core consumer digital active users up 2x since 2019; mobile app sales 6x.","Credit quality: NCOs expected through-the-cycle 35-55 bps; office reserves at 5% of loans."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":82737580000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":215048,"accession_number":"0001193125-24-217446","cik":36104,"company_name":"US BANCORP DE","ticker":"USB","form_type":"8-K","filed_at":"2024-09-12T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"U.S. Bancorp authorizes $5B buyback, raises quarterly dividend to $0.50","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board authorized $5B common stock repurchase program effective Sept 13, 2024, replacing prior program.","Company expects to begin repurchasing shares by early 2025.","Quarterly common dividend raised 2% to $0.50 per share; payable Oct 15 to holders of record Sept 30.","Annual dividend rate now $2.00 per common share."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":82737580000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":215047,"accession_number":"0001193125-24-204316","cik":36104,"company_name":"US BANCORP DE","ticker":"USB","form_type":"8-K","filed_at":"2024-08-21T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"U.S. Bancorp Payment Services Vice Chair Shailesh Kotwal to retire in H1 2025","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Shailesh Kotwal, Vice Chair of Payment Services, intends to retire in first half of 2025.","Kotwal, 60, will remain in his role for several months; search for successor begins immediately.","Kotwal joined U.S. Bancorp in 2015 and led Payment Services expansion in digital and card payments.","He was also a key voice on Elavon Financial Services board in Europe."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":82737580000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":215046,"accession_number":"0000036104-24-000048","cik":36104,"company_name":"US BANCORP DE","ticker":"USB","form_type":"8-K","filed_at":"2024-07-17T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"U.S. Bancorp Q2 net income $1.6B, adjusted EPS $0.98; CET1 ratio 10.3%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $1,603M ($0.97 diluted EPS); adjusted net income $1,622M ($0.98 EPS) excluding $26M FDIC charge.","Net interest income (taxable-equivalent) $4,052M, up 0.9% linked quarter; net interest margin 2.67%.","Average total loans +1.0% and average total deposits +2.2% linked quarter; noninterest income +2.4% YoY.","Adjusted efficiency ratio 60.7%; return on tangible common equity 18.6%; return on assets 0.98%.","CET1 capital ratio improved to 10.3% from 10.0% in Q1; net charge-off ratio 0.58%."],"consensus_eps_estimate":null,"consensus_eps_actual":1.75,"consensus_revenue_estimate":null,"consensus_revenue_actual":13582000000.0,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":82737580000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":215045,"accession_number":"0001193125-24-179705","cik":36104,"company_name":"US BANCORP DE","ticker":"USB","form_type":"8-K","filed_at":"2024-07-16T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"U.S. Bancorp elects Aleem Gillani to its board of directors","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Gillani, 62, former SunTrust CFO, joins board effective July 16, 2024.","He will serve on the Audit and Risk Management Committees.","Gillani also serves on Freddie Mac's board since 2019.","Compensation follows standard non-employee director plan (see proxy)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":82737580000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":215044,"accession_number":"0001193125-24-172486","cik":36104,"company_name":"US BANCORP DE","ticker":"USB","form_type":"8-K","filed_at":"2024-07-01T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"U.S. Bancorp announces preliminary SCB of 3.1% and plans 2% dividend increase to $0.50/share","summary_kind":"llm","event_type":"regulatory","confidence":"high","bullets":["Preliminary SCB of 3.1% from Federal Reserve stress test; 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slides not fully disclosed in filing","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Terrance R. 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