For the quarter ended September 2025, U.S. Bancorp (USB) reported revenue of $7.33 billion, up 7.3% over the same period last year. EPS came in at $1.22, compared to $1.03 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $7.16 billion, representing a surprise of +2.42%. The company delivered an EPS surprise of +9.91%, with the consensus EPS estimate being $1.11.
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 charge-off ratio: 0.6% versus 0.6% estimated by six analysts on average.
- Net interest margin (taxable-equivalent basis): 2.8% versus 2.7% estimated by six analysts on average.
- Average Balances - Total earning assets: $617.52 billion compared to the $616.69 billion average estimate based on five analysts.
- Book value per common share: $36.33 versus the five-analyst average estimate of $35.86.
- Efficiency Ratio: 57.2% versus 58.3% estimated by five analysts on average.
- Total nonperforming loans: $1.61 billion versus the four-analyst average estimate of $1.7 billion.
- Total nonperforming assets: $1.65 billion versus the four-analyst average estimate of $1.74 billion.
- Leverage ratio: 8.6% versus the three-analyst average estimate of 8.6%.
- Tier 1 Capital Ratio: 12.4% versus the two-analyst average estimate of 12.5%.
- Total Noninterest Income: $3.08 billion versus the six-analyst average estimate of $2.99 billion.
- Net interest income (taxable-equivalent basis): $4.25 billion versus the six-analyst average estimate of $4.18 billion.
- Mortgage banking revenue: $180 million compared to the $165.14 million average estimate based on five analysts.
View all Key Company Metrics for U.S. Bancorp here>>>
Shares of U.S. Bancorp have returned -6.4% over the past month versus the Zacks S&P 500 composite's +0.9% 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
