U.S. Bancorp has a strong earnings surprise history and is well-positioned for another potential beat in its next quarterly report. The bank is benefiting from rising net interest income (NII), fintech initiatives, and a discounted valuation, which could help it outperform peers like M&T Bank. Additionally, the re-emergence of capital markets is expected to favor major U.S. banks, including U.S. Bancorp. Its ability to generate steady income makes it an attractive option for retirees seeking alternative investments amid declining bond yields.