For the quarter ended June 2025, U.S. Bancorp (USB) reported revenue of $7 billion, up 2.4% over the same period last year. EPS came in at $1.11, compared to $0.98 in the year-ago quarter.
The reported revenue represents a surprise of -0.84% over the Zacks Consensus Estimate of $7.06 billion. With the consensus EPS estimate being $1.07, the EPS surprise was +3.74%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how U.S. Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Net interest margin (taxable-equivalent basis): 2.7% versus the six-analyst average estimate of 2.7%.
- Net charge-off ratio: 0.6% compared to the 0.6% average estimate based on six analysts.
- Efficiency Ratio: 59.2% compared to the 59.1% average estimate based on five analysts.
- Average Balances - Total earning assets: $613.34 billion versus $611.2 billion estimated by five analysts on average.
- Book value per common share: $35.06 versus the five-analyst average estimate of $34.83.
- Total nonperforming loans: $1.64 billion versus $1.72 billion estimated by four analysts on average.
- Total nonperforming assets: $1.68 billion versus $1.75 billion estimated by four analysts on average.
- Leverage ratio: 8.5% compared to the 8.5% average estimate based on three analysts.
- Tier 1 Capital Ratio: 12.3% versus 12.5% estimated by two analysts on average.
- Total Noninterest Income: $2.92 billion versus the six-analyst average estimate of $2.93 billion.
- Net interest income (taxable-equivalent basis): $4.08 billion versus $4.12 billion estimated by six analysts on average.
- Mortgage banking revenue: $162 million versus the five-analyst average estimate of $179.55 million.
View all Key Company Metrics for U.S. Bancorp here>>>
Shares of U.S. Bancorp have returned +5.6% over the past month versus the Zacks S&P 500 composite's +4.2% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report
U.S. Bancorp (USB): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
Zacks Investment Research
