Sundry Photography Investment Thesis U.S. Bancorp (NYSE:USB) is expected to create an annual return of 18.1% for shareholders, making USB a buy at current times. The bank has shown strong net interest margins while controlling the net charge off ratio by decreasing leverage in the loan book. When it comes to cost management, USB stands out with a strong efficiency ratio. Therefore, the bank shows itself as solid around most metrics. Bank Overview U.S. Bancorp is known as a financial holding company, which o ...