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US Bancorp (USB)
NYSE:USB
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US Bancorp (USB) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date
Oct 16, 2025
Before Open (Confirmed)
Period Ending
2025 (Q3)
Consensus EPS Forecast
1.11
Last Year’s EPS
1.03
Same Quarter Last Year
Moderate Buy
Based on 17 Analysts Ratings

Earnings Call Summary

Q2 2025
Earnings Call Date:Jul 17, 2025|
% Change Since:
|
Earnings Call Sentiment|Positive
The earnings call reflected a strong performance with significant EPS growth, positive operating leverage, and strategic balance sheet repositioning. However, challenges such as a decline in net interest margin and deposit pricing pressures were noted. Overall, the highlights significantly outweigh the lowlights.
Company Guidance
During U.S. Bancorp's Second Quarter 2025 Earnings Conference Call, the company reported earnings per share of $1.11 and net income of $1.8 billion, reflecting a 13% increase in year-over-year EPS growth. Total fee revenue grew by 4.6% year-over-year, driven by diverse fee income businesses, and the company achieved 250 basis points of positive operating leverage. Return on tangible common equity was reported at 18%, with a return on average assets of 1.08% and an efficiency ratio in the high-50s. The company's CET1 capital ratio stood at 10.7%, and asset quality metrics remained stable, with credit metrics and capital levels above regulatory minimums. Despite a 6 basis point decline in net interest margin, U.S. Bancorp anticipates net interest income growth in the third quarter, with projected total fee revenue of approximately $3 billion. For the full year 2025, the company expects net revenue growth at the lower end of a 3% to 5% range, assuming two rate cuts, and aims to deliver 200 basis points or more of positive operating leverage.
EPS Growth
Reported earnings per share of $1.11, with year-over-year EPS growth as adjusted of approximately 13%.
Positive Operating Leverage
Achieved 250 basis points of year-over-year positive operating leverage, marking the fourth consecutive quarter of revenue growth outpacing expense growth.
Fee Revenue Growth
Total fee revenue increased by 4.6% year-over-year, reflecting broad-based strength across businesses.
Return on Tangible Common Equity
Generated an 18% return on tangible common equity and a return on average assets of 1.08%.
Balance Sheet Repositioning
Divested approximately $6 billion in mortgage and auto loans to strategically reposition the balance sheet for stronger growth.

US Bancorp (USB) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

USB Earnings History

Report Date
Fiscal Quarter
Forecast / EPS
Last Year's EPS
EPS YoY Change
Press Release
Slides
Play Transcript
Oct 16, 2025
2025 (Q3)
1.11 / -
1.03
Jul 17, 2025
2025 (Q2)
1.07 / 1.11
0.9714.43% (+0.14)
Apr 16, 2025
2025 (Q1)
0.98 / 1.03
0.7832.05% (+0.25)
Jan 16, 2025
2024 (Q4)
1.05 / 1.01
0.49106.12% (+0.52)
Oct 16, 2024
2024 (Q3)
0.99 / 1.03
0.9113.19% (+0.12)
Jul 17, 2024
2024 (Q2)
0.95 / 0.97
0.8415.48% (+0.13)
Apr 17, 2024
2024 (Q1)
0.84 / 0.78
1.04-25.00% (-0.26)
Jan 17, 2024
2023 (Q4)
0.68 / 0.49
0.57-14.04% (-0.08)
Oct 18, 2023
2023 (Q3)
0.96 / 0.91
1.16-21.55% (-0.25)
Jul 19, 2023
2023 (Q2)
1.04 / 0.84
0.99-15.15% (-0.15)
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
Jul 17, 2025
$45.68$45.21-1.03%
Apr 16, 2025
$38.21$37.41-2.09%
Jan 16, 2025
$49.75$46.94-5.65%
Oct 16, 2024
$45.46$47.60+4.71%
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 Oct 16, 2025, Before Open (Confirmed).
    What is US Bancorp (USB) earnings time?
    US Bancorp (USB) earnings time is at Oct 16, 2025, 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 (Q3) is 1.11.

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