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U.s. Bancorp Earnings Calls
| Release date | Oct 16, 2025 |
| EPS estimate | $1.13 |
| EPS actual | $1.28 |
| EPS Surprise | 13.27% |
| Revenue estimate | 7.165B |
| Revenue actual | 2.167B |
| Revenue Surprise | -69.76% |
| Release date | Jul 17, 2025 |
| EPS estimate | $1.07 |
| EPS actual | $1.16 |
| EPS Surprise | 8.41% |
| Revenue estimate | 7.237B |
| Revenue actual | 6.474B |
| Revenue Surprise | -10.54% |
| Release date | Apr 16, 2025 |
| EPS estimate | $0.98 |
| EPS actual | $1.10 |
| EPS Surprise | 12.36% |
| Revenue estimate | 7.097B |
| Revenue actual | 10.35B |
| Revenue Surprise | 45.85% |
| Release date | Jan 16, 2025 |
| EPS estimate | - |
| EPS actual | - |
| Revenue estimate | - |
| Revenue actual | - |
Last 4 Quarters for U.s. Bancorp
Below you can see how USB-PP performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Jan 16, 2025 |
| Price on release | $23.62 |
| EPS estimate | - |
| EPS actual | - |
| Date | Price |
|---|---|
| Jan 10, 2025 | $23.03 |
| Jan 13, 2025 | $22.78 |
| Jan 14, 2025 | $22.86 |
| Jan 15, 2025 | $23.47 |
| Jan 16, 2025 | $23.62 |
| Jan 17, 2025 | $23.57 |
| Jan 21, 2025 | $23.99 |
| Jan 22, 2025 | $23.86 |
| Jan 23, 2025 | $23.76 |
| 4 days before | 2.56% |
| 4 days after | 0.593% |
| On release day | -0.212% |
| Change in period | 3.17% |
| Release date | Apr 16, 2025 |
| Price on release | $22.24 |
| EPS estimate | $0.98 |
| EPS actual | $1.10 |
| EPS surprise | 12.36% |
| Date | Price |
|---|---|
| Apr 10, 2025 | $22.05 |
| Apr 11, 2025 | $21.58 |
| Apr 14, 2025 | $21.82 |
| Apr 15, 2025 | $22.14 |
| Apr 16, 2025 | $22.24 |
| Apr 17, 2025 | $22.21 |
| Apr 21, 2025 | $22.14 |
| Apr 22, 2025 | $22.10 |
| Apr 23, 2025 | $22.38 |
| 4 days before | 0.86% |
| 4 days after | 0.629% |
| On release day | -0.135% |
| Change in period | 1.50% |
| Release date | Jul 17, 2025 |
| Price on release | $22.51 |
| EPS estimate | $1.07 |
| EPS actual | $1.16 |
| EPS surprise | 8.41% |
| Date | Price |
|---|---|
| Jul 11, 2025 | $22.81 |
| Jul 14, 2025 | $22.59 |
| Jul 15, 2025 | $22.48 |
| Jul 16, 2025 | $22.43 |
| Jul 17, 2025 | $22.51 |
| Jul 18, 2025 | $22.48 |
| Jul 21, 2025 | $22.55 |
| Jul 22, 2025 | $22.55 |
| Jul 23, 2025 | $22.62 |
| 4 days before | -1.32% |
| 4 days after | 0.498% |
| On release day | -0.124% |
| Change in period | -0.83% |
| Release date | Oct 16, 2025 |
| Price on release | $23.88 |
| EPS estimate | $1.13 |
| EPS actual | $1.28 |
| EPS surprise | 13.27% |
| Date | Price |
|---|---|
| Oct 10, 2025 | $23.88 |
| Oct 13, 2025 | $23.96 |
| Oct 14, 2025 | $23.99 |
| Oct 15, 2025 | $23.99 |
| Oct 16, 2025 | $23.88 |
| Oct 17, 2025 | $23.85 |
| Oct 20, 2025 | $23.98 |
| Oct 21, 2025 | $24.03 |
| Oct 22, 2025 | $23.89 |
| 4 days before | 0% |
| 4 days after | 0.0419% |
| On release day | -0.126% |
| Change in period | 0.0419% |
U.s. Bancorp Earnings Call Transcript Summary of Q3 2025
U.S. Bancorp reported a strong Q3 2025: EPS of $1.22 (up 18.4% YoY) and record net revenue of $7.3 billion driven by broad-based fee growth and improving net interest income. The company delivered 530 basis points of positive operating leverage, a return on average assets of 1.17%, ROTCE of 18.6%, an improved efficiency ratio of 57.2%, and an NIM of 2.75% (up 9 bps sequentially). Management highlighted progress on three strategic priorities: organic growth via interconnected solutions, disciplined expense/programmatic productivity, and payments transformation. Fee revenue rose ~9.5% YoY with notable strength in payments, institutional and mortgage/capital markets, and the Impact Finance business (17% CAGR 2021–2024) was singled out as a growth and tax-benefit engine. Deposits and consumer franchise trends improved (consumer deposits >52% of total), average loans modestly grew, and credit metrics continued to improve (NPAs and net charge-offs down). CET1 capital rose to 10.9% (20 bps QoQ). Guidance: Q4 NII roughly flat vs Q3 (~$4.25B FTE), fee revenue ~ $3.0B, non-interest expense up modestly, and adjusted positive operating leverage of 200+ bps. Management reiterated a medium-term path to a ~3% NIM by 2027, continued focus on organic growth, and commitment to returning capital as capital ratios allow.
