U.S. Bancorp — Earnings Quality Grade A
USB · Financial Services
Strong financial health
Screening Summary
Management Signals
Source: SEC EDGAR 8-K Item 5.02, with exhibit links when available
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
Insufficient data
Insufficient data
Revenue 4.4%, CFFO -29.8%. Cash follows revenue
Expense Quality
No material inventory
Insufficient data
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.05. Profits backed by cash
FCF $8.0B, FCF/NI = 1.05
Accruals ratio = -0.1%. Low accruals
Cash $46.9B covers 69% of debt $68.4B
Balance Sheet Health
Goodwill+Intangibles $17.5B = 27% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -3% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
Monitor USB continuously
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Altman Z-Score — Not Applicable
U.S. Bancorp is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25