U.S. Bancorp (USB) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates

U.S. Bancorp (USB) reported $7.37 billion in revenue for the quarter ended December 2025, representing a year-over-year increase of 5.5%. EPS of $1.26 for the same period compares to $1.07 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $7.32 billion, representing a surprise of +0.58%. The company has not delivered EPS surprise, with the consensus EPS estimate being $1.19.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

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): 2.8% versus 2.8% estimated by six analysts on average.
• Net charge-off ratio: 0.5% versus the six-analyst average estimate of 0.6%.
• Efficiency Ratio: 57.4% compared to the 57.8% average estimate based on five analysts.
• Average Balances - Earning assets: $620.22 billion versus the five-analyst average estimate of $620.79 billion.
• Book value per common share: $37.55 compared to the $37.16 average estimate based on five analysts.
• Total nonperforming loans: $1.55 billion versus the four-analyst average estimate of $1.63 billion.
• Total nonperforming assets: $1.59 billion compared to the $1.68 billion average estimate based on four analysts.
• Leverage ratio: 8.7% versus the three-analyst average estimate of 8.8%.
• Tier 1 Capital Ratio: 12.3% versus 12.6% estimated by two analysts on average.
• Total Noninterest Income: $3.05 billion versus $3.04 billion estimated by six analysts on average.
• Net interest income (taxable-equivalent basis): $4.31 billion versus the six-analyst average estimate of $4.29 billion.
• Mortgage banking revenue: $130 million compared to the $166.91 million average estimate based on five analysts.

View all Key Company Metrics for U.S. Bancorp here>>>

Shares of U.S. Bancorp have returned -0.9% over the past month versus the Zacks S&P 500 composite's +1.6% 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.

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This article originally published on Zacks Investment Research (zacks.com).

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