USB
U.S. Bancorp·NYSE
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USB fundamentals
U.S. Bancorp (USB) released its earnings on Oct 16, 2025: revenue was 7.33B (YoY +7.27%), beat estimates; EPS was 1.22 (YoY +18.45%), beat estimates.
Revenue / YoY
7.33B
+7.27%
EPS / YoY
1.22
+18.45%
Report date
Oct 16, 2025
USB Earnings Call Summary for Q3,2025
- Record Revenue and EPS Growth: Q3 EPS up 18.4% YoY to $1.22, net revenue $7.3B (record), driven by fee businesses and spread income.
- Strategic Momentum: 9.5% YoY fee growth, 530 bps operating leverage, and 2/3 fee revenue from high-growth businesses like Impact Finance (17% CAGR 2021-2024).
- NIM Expansion Path: Targeting 3% NIM by 2027 via fixed asset repricing, loan growth, and deposit mix. Q3 NIM 2.75% (9 bps QoQ expansion).
- Credit Quality and Capital: CET1 10.9%, NPA ratio 0.43% (down 6 bps YoY), and strong capital generation.
- Operating Leverage: >200 bps QoQ operating leverage expected in Q4, supported by fee growth and expense control.
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Key Indicators
U.S. Bancorp (USB) key financial stats and ratios, covering profitability, financial health, and leverage.
U.S. Bancorp (USB)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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U.S. Bancorp (USB)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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U.S. Bancorp (USB)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
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Where does U.S. Bancorp (USB) generate its revenue? Explore its key revenue streams and top earning regions.
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Track U.S. Bancorp (USB) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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What does U.S. Bancorp do and what are its main business segments?What is U.S. Bancorp's latest dividend and current dividend yield?What is the market's earnings forecast for U.S. Bancorp next quarter?Did U.S. Bancorp beat or miss consensus estimates last quarter?What guidance did U.S. Bancorp's management provide for the next earnings period?What were the key takeaways from U.S. Bancorp’s earnings call?What were the key takeaways from U.S. Bancorp's earnings call?What factors drove the changes in U.S. Bancorp's revenue and profit?
