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US Bancorp (USB)
NYSE:USB
Earnings Data
Report Date
Jan 20, 2026Before Open (Confirmed)
Period Ending
2025 (Q4)Consensus EPS Forecast
1.17Last Year’s EPS
1.01Same Quarter Last Year
Moderate Buy
Based on 17 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The earnings call highlighted significant improvements in revenue, EPS growth, and credit quality, supported by successful strategic initiatives and strong financial performance. Despite some challenges in specific segments such as corporate payments and an increase in commercial non-performing loans, the overall outlook remains positive with strong momentum in fee revenue and deposit growth.Company Guidance
Record Net Revenue
Achieved a record net revenue of $7.3 billion for the quarter, reflecting strong momentum across fee businesses and improved spread income.
Earnings Per Share Growth
Reported earnings per share of $1.22, marking an increase of 18.4% year over year.
Positive Operating Leverage
Generated 530 basis points of positive operating leverage and improved efficiency ratio to 57.2%.
Improved Credit Quality
Saw improvements in credit quality metrics, including a decrease in non-performing assets and net charge-offs.
Fee Revenue Growth
Fee revenue grew 9.5% year over year, driven by broad-based strength across payments, institutional, and consumer businesses.
Impact Finance Growth
Impact Finance business grew at a 17% CAGR from 2021 to 2024, with expectations for continued robust growth.
Consumer Deposit Growth
Consumer deposits now represent over 52% of total average deposits, up nearly two points from 2023.
USB Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
USB Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Oct 17, 2025 | $45.65 | $45.69 | +0.09% |
Jul 17, 2025 | $45.20 | $44.73 | -1.04% |
Apr 16, 2025 | $37.80 | $37.01 | -2.09% |
Jan 16, 2025 | $49.22 | $46.44 | -5.65% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does US Bancorp (USB) report earnings?
US Bancorp (USB) is schdueled to report earning on Jan 20, 2026, Before Open (Confirmed).
What is US Bancorp (USB) earnings time?
US Bancorp (USB) earnings time is at Jan 20, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is USB EPS forecast?
USB EPS forecast for the fiscal quarter 2025 (Q4) is 1.17.
