BAC vs USB
BofA Finance LLC and US Bancorp \de\, side by side — 10 fiscal years reported in USD, drawn from SEC filings.
At a glance
Most recent reported year
| Metric | BAC | USB |
|---|---|---|
| Revenue | $113.1B | $28.7B |
| Net income | $30.5B | $7.6B |
| Gross margin | — | — |
| Net margin | 27.0% | 26.4% |
| Return on equity | 10.2% | 12.2% |
| Diluted EPS | $3.81 | $4.62 |
| Dividend / share | $1.08 | $2.04 |
| Payout ratio | 14.7% | 41.8% |
| Free cash flow | — | — |
| Equity | $303.2B | $65.2B |
| Net debt / equity | 0.44× | 0.48× |
| Current ratio | — | — |
| Revenue CAGR 5y | 5.7% | — |
| Profit CAGR 5y | 11.3% | 8.8% |
BAC bills 3.9× the revenue of USB, and keeps more of each dollar of revenue as profit (27.0% against 26.4%).
The stronger figure of the pair is set in bold. That is arithmetic, not a recommendation — this page does not pick a winner.
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Revenue by year
10 years side by side
| Fiscal year | BAC | USB |
|---|---|---|
| FY2025 | $113.1B | $28.7B |
| FY2024 | $105.9B | $27.5B |
| FY2023 | $102.8B | $28.1B |
| FY2022 | $95.0B | $24.3B |
| FY2018 | $91.0B | $22.6B |
| FY2017 | $87.1B | $21.9B |
| FY2016 | $83.7B | $21.3B |
| FY2015 | $83.0B | $20.3B |
| FY2014 | $85.9B | $20.2B |
| FY2013 | $88.9B | $19.6B |
Net income by year
Bottom line
| Fiscal year | BAC | USB |
|---|---|---|
| FY2025 | $30.5B | $7.6B |
| FY2024 | $27.0B | $6.3B |
| FY2023 | $26.3B | $5.4B |
| FY2022 | $27.5B | $5.8B |
| FY2018 | $28.1B | $7.1B |
| FY2017 | $18.2B | $6.2B |
| FY2016 | $17.8B | $5.9B |
| FY2015 | $15.9B | $5.9B |
| FY2014 | $5.5B | $5.9B |
| FY2013 | $11.4B | $5.8B |
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