{"schema_version":"secwatch.filing_event.v1","accession":"0000036104-25-000005","form_type":"8-K","ticker":"USB","cik":"0000036104","company_name":"US BANCORP DE","filed_at":"2025-01-16T23:59:59+00:00","discovered_at":"2026-05-14T18:03:05.993970+00:00","generated_at":"2026-05-28T00:31:01.195157+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"U.S. Bancorp reports Q4 2024 net income of $1,663M, adjusted EPS $1.07","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)."],"urls":{"canonical":"https://secwatch.observer/filing/0000036104-25-000005","json":"https://secwatch.observer/filing/0000036104-25-000005.json","markdown":"https://secwatch.observer/filing/0000036104-25-000005.md","text":"https://secwatch.observer/filing/0000036104-25-000005.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/36104/000003610425000005/0000036104-25-000005-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/36104/000003610425000005/usb-20250116.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-28T00:31:01.195157+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}