Truist Financial vs Us Bancorp \de\ (TFC vs USB)
Side by side from their SEC filings: revenue, margins, growth, returns and valuation, plus short interest, insider activity and institutional ownership.
Us Bancorp \de\ is the larger company by revenue ($28.5B vs $20.3B) and market value ($95.4B vs $60.4B). Us Bancorp \de\ has grown revenue faster over the last 4 fiscal years (+25.6% cumulative vs +3.3%). Truist Financial trades at the lower trailing P/E (11.4x vs 12.2x).
About Truist Financial
Truist Financial Corp is a financial services company that provides banking, lending, mortgage banking, credit card, investment advisory, and fiduciary and trust services. It serves consumers, small businesses, and commercial clients with products including deposit accounts, home equity lending, automobile loans, and commercial real estate financing. The company also offers insurance and treasury corporate services.
About Us Bancorp \de\
U.S. Bancorp is a financial services holding company headquartered in Minneapolis, Minnesota. It provides a wide range of financial services including lending, depository services, cash management, capital markets, trust and investment management, credit card services, merchant and ATM processing, mortgage banking, insurance, brokerage, and leasing. The company serves individuals, businesses, institutional organizations, governmental entities, and other financial institutions primarily in the United States.
Head to head (TFC FY2025 vs USB FY2025)
| Metric | TFCFY2025 | USBFY2025 |
|---|---|---|
| Revenue | $20.32B | $28.54B |
| Revenue growth (YoY) | 53.0% | 4.4% |
| Gross margin | — | — |
| Operating margin | — | — |
| Net margin | 26.1% | 26.5% |
| Net income | $5.31B | $7.57B |
| Diluted EPS | $3.82 | $4.62 |
| FCF margin | — | — |
| ROE | 8.1% | 11.5% |
| Long-term debt / equity | 0.64× | — |
| Market cap | $60.40B | $95.37B |
| P/E | 11.4× | 12.2× |
Fundamentals are from each company’s SEC filings (TFC FY2025, USB FY2025). ROE is net income over fiscal-year-end equity; long-term debt / equity counts non-current term debt only. P/E and market cap are derived from stored market prices, last retrieved on a rolling basis and typically within the past week.
Five-year trend (as reported)
| Revenue | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|
| TFC | $19.67B | $19.97B | $20.02B | $13.28B | $20.32B |
| USB | $22.72B | $24.18B | $28.01B | $27.34B | $28.54B |
Peer standing
Where each company ranks among the 76 banks, on the same scale. Each figure is ranked only against peers that report it. Percentiles describe position in the distribution, not a rating.
| Metric | TFC | USB |
|---|---|---|
| Net margin | 26.1%40th percentile of 76 | 26.5%45th percentile of 76 |
| Revenue growth (YoY) | +53.0%93rd percentile of 76 | +4.4%12th percentile of 76 |
| ROE | 8.1%23rd percentile of 76 | 11.5%71st percentile of 76 |
| P/E | 11.4×30th percentile of 75 | 12.2×54th percentile of 75 |
| Short interest (days to cover) | 3.89d26th percentile of 75 | 4.40d36th percentile of 75 |
Short interest
| FINRA settlement data | TFC | USB |
|---|---|---|
| Shares sold short | 24.8M | 25.3M |
| Change vs prior settlement | -10.4% | -5.1% |
| Days to cover | 3.89 | 4.40 |
| As of settlement | 2026-08-14 | 2026-08-14 |
Source: FINRA Consolidated Short Interest. FINRA is the owner and source of the FINRA-supplied data; republishing or redistributing it is not permitted. Not presented as a percentage of float. No FINRA endorsement of this product is implied.
Insider activity (last 90 days)
| Form 4 activity (codes P/S) | TFC | USB |
|---|---|---|
| Buys | 0 | 0 |
| Sells | 3 ($1.6M) | 3 ($5.5M) |
Non-derivative purchases (code P) and sales (code S) reported on SEC Form 4, which may be open-market or private (grants, exercises and tax withholding excluded). For context, about 15% of covered companies saw any reported insider purchase (code P) in a 90-day window.
Held by the same investors
7 tracked 13F managers hold both Truist Financial and Us Bancorp \de\ as of their latest quarterly filings: AQR Capital Management, Bridgewater Associates, Citadel Advisors, D. E. Shaw, Gotham Asset Management, Millennium Management, Two Sigma Investments. See which superinvestors hold your own portfolio with the smart money checker.
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Data sourced from SEC EDGAR. Figures are as-reported and may be unaudited or restated; verify against the source filings before relying on them. Comparisons are descriptive (higher or lower on a reported figure), not a rating or a recommendation. Informational only. Not investment advice.