Inferra AI / Company / USB
U.S. Bancorp
USB · Financials
Last earnings Oct 15, 2026
Key results
Revenuequarter
$7,970 million
revenue of $7,970 million, year-over-year increases of 5.6% in net interest income and 14.9% in fee revenue
SEC original ↗U.S. Bancorp — Earnings release (8-K exhibit)EX-99Oct 15, 2026
Net incomequarter
$2,202 million
Net income of $2,202 million, an increase of 10.0% year-over-year Diluted earnings per common share of $1.34, an increase of 9.8% year-over-year Positive operating leverage of 240 basis points from the prior year quarter Return on average assets of 1.25% and efficiency ratio of 55.9%
SEC original ↗U.S. Bancorp — Earnings release (8-K exhibit)EX-99Oct 15, 2026
Diluted EPSquarter
10.0%
Net income of $2,202 million, an increase of 10.0% year-over-year Diluted earnings per common share of $1.34, an increase of 9.8% year-over-year Positive operating leverage of 240 basis points from the prior year quarter Return on average assets of 1.25% and efficiency ratio of 55.9%
SEC original ↗U.S. Bancorp — Earnings release (8-K exhibit)EX-99Oct 15, 2026
EPSquarter
$1.34
Record net revenue of $8.0 billion drove diluted earnings per share of $1.34, up 10% year-over-year, a return on tangible common equity of 18.5%, and an efficiency ratio of 55.9%.
SEC original ↗U.S. Bancorp — Earnings release (8-K exhibit)EX-99Oct 15, 2026
Growthquarter
up 10%
Record net revenue of $8.0 billion drove diluted earnings per share of $1.34, up 10% year-over-year, a return on tangible common equity of 18.5%, and an efficiency ratio of 55.9%.
SEC original ↗U.S. Bancorp — Earnings release (8-K exhibit)EX-99Oct 15, 2026
We reported a full quarter of BTIG results, which drove an increase of 69.3% year-over-year in capital markets revenue.
SEC original ↗U.S. Bancorp — Earnings release (8-K exhibit)EX-99Oct 15, 2026
Our Payments transformation gained momentum and delivered combined revenue growth of 6.5% year-over-year.
SEC original ↗U.S. Bancorp — Earnings release (8-K exhibit)EX-99Oct 15, 2026
Fee revenuequarter
14.9%
3Q25 14.9% Fee Revenue Growth vs.
SEC original ↗U.S. Bancorp — Presentation / slide deck (8-K exhibit)EX-99Oct 15, 2026
3Q25 $1.34 Earnings per share 9.8% vs.
SEC original ↗U.S. Bancorp — Presentation / slide deck (8-K exhibit)EX-99Oct 15, 2026
Disciplined Execution Fee revenuequarter
$3,545M
Bank | Confidential Accelerating Growth Through Disciplined Execution Fee Revenue Growth YoY $3,545M 3Q26 Reported Fee Revenue Efficiency Ratio2 1 N -GAAP; excludes notable items for 4Q24; see appendix for calculations and description of notable items.
SEC original ↗U.S. Bancorp — Presentation / slide deck (8-K exhibit)EX-99Oct 15, 2026
AI analysis
Q4 2025 · reported Oct 15, 2026
Based on: Earnings release + Q4 2025 deck + parent 8-K + 10-Q — transcript not held
Headline figures
| Metric | Q4 2025 | Prior qtr | Year ago |
|---|---|---|---|
| Revenue | $7,970 million | — | — |
| Net income | $2,202 million | — | — |
| Diluted EPS | 10.0% | — | — |
| EPS | $1.34 | — | — |
| Growth | up 10% | — | — |
| Fee revenue | 14.9% | — | — |
| Disciplined Execution Fee revenue | $3,545M | — | — |
Guidance · company-stated
No guidance located in the held release
“The increase on a year-over-year basis was primarily driven by the impact of recording the initial provision for credit losses of $135 million related to the purchase of a small business credit card portfolio in the third quarter of 2026, partially offset by improvement in the economic outlook and favorable credit performance.”
Capital allocation
Bancorp $2,202 $2,177 $2,001 Diluted earnings per common share $1.34 $1.35 $1.22 Dividends declared per common share $.
The increase from the prior year quarter reflected the impacts of corporate earnings and the common shares issued as consideration for the acquisition of BTIG, partially offset by dividends paid.
Event summary
Record net revenue of $8.0 billion drove diluted earnings per share of $1.34, up 10% year-over-year, a return on tangible common equity of 18.5%, and an efficiency ratio of 55.9%
Based on: Earnings release + Q4 2025 deck + parent 8-K + 10-Q — transcript not held
Guidance & outlook
No guidance located in the held release
Capital allocation
Bancorp $2,202 $2,177 $2,001 Diluted earnings per common share $1.34 $1.35 $1.22 Dividends declared per common share $.
SEC original ↗U.S. Bancorp — Earnings release (8-K exhibit)EX-99Oct 15, 2026
The increase from the prior year quarter reflected the impacts of corporate earnings and the common shares issued as consideration for the acquisition of BTIG, partially offset by dividends paid.
SEC original ↗U.S. Bancorp — Earnings release (8-K exhibit)EX-99Oct 15, 2026
Bancorp's loan portfolios or in the value of the collateral securing those loans Changes in commercial real estate occupancy rates Increases in FDIC assessments, including due to bank failures Actions taken by governmental agencies to stabilize or reform the financial system and the effectiveness of such actions Turmoil and volatility in the financial services industry Risks related to originating and selling mortgages, including repurchase and indemnity demands, and related to U.
SEC original ↗U.S. Bancorp — Earnings release (8-K exhibit)EX-99Oct 15, 2026
Bancorp common shareholders $2,095 $1,893 $6,034 $5,229 Earnings per common share $1.34 $1.22 $3.88 $3.36 Diluted earnings per common share $1.34 $1.22 $3.88 $3.35 Dividends declared per common share $.
SEC original ↗U.S. Bancorp — Earnings release (8-K exhibit)EX-99Oct 15, 2026
52 $1.58 $1.52 Average common shares outstanding 1,558 1,557 1,555 1,558 Average diluted common shares outstanding 1,559 1,557 1,556 1,559 (a) Presentation of interest income and interest expense related to certain repurchase and reverse repurchase transactions recorded under enforceable netting agreements are shown on a net basis for all periods shown, consistent with the presentation of the related balances on the consolidated balance sheet.
SEC original ↗U.S. Bancorp — Earnings release (8-K exhibit)EX-99Oct 15, 2026
Bancorp s loan portfolios or in the value of the collateral securing those loans; changes in commercial real estate occupancy rates; increases in Federal Deposit Insurance Corporation (FDIC) assessments, including due to bank failures; actions taken by governmental agencies to stabilize or reform the financial system and the effectiveness of such actions; turmoil and volatility in the financial services industry; risks related to originating and selling mortgages, including repurchase and indemnity demands, and related to U.
SEC original ↗U.S. Bancorp — Presentation / slide deck (8-K exhibit)EX-99Oct 15, 2026
Strategy & priorities
We were pleased to report another quarter of record consumer deposits and launch major initiatives to expand our reach in the small business segment as we onboarded a strategic small business credit card relationship, launched Business Essentials, an innovative suite of new products, and established new banker teams in expansion markets.
SEC original ↗U.S. Bancorp — Earnings release (8-K exhibit)EX-99Oct 15, 2026
These results reflect strong execution against our strategic priorities and better interconnectivity across our organization.
SEC original ↗U.S. Bancorp — Earnings release (8-K exhibit)EX-99Oct 15, 2026
We remain focused on bringing innovative solutions to our clients, investing in our business, creating a culture of high-performance and delivering exceptional long-term value for our shareholders.
SEC original ↗U.S. Bancorp — Earnings release (8-K exhibit)EX-99Oct 15, 2026
Bank is exploring applications including liquidity management, collateral mobility and cross-border treasury operations, with the initiative representing another step in its broader digital asset strategy to use blockchain technology to improve efficiency, transparency and settlement speed while maintaining the safety, security and reliability expected by clients.
SEC original ↗U.S. Bancorp — Earnings release (8-K exhibit)EX-99Oct 15, 2026
Bank is supporting the launch with a new advertising campaign featuring entrepreneur and actress Jessica Alba as the spokesperson for both cards, emphasizing its broader strategy of building deeper relationships with small-business owners through integrated banking, payments and expense-management solutions.
SEC original ↗U.S. Bancorp — Earnings release (8-K exhibit)EX-99Oct 15, 2026
Risks & headwinds
Bancorp s ability to address or satisfy those requirements and other requirements or conditions imposed by regulatory entities Changes in trade policy, including the imposition of tariffs or the impacts of retaliatory tariffs, or the effects of related litigation Changes in interest rates Increases in unemployment rates Deterioration in the credit quality of U.
SEC original ↗U.S. Bancorp — Earnings release (8-K exhibit)EX-99Oct 15, 2026
Bancorp s ability to address or satisfy those requirements and other requirements or conditions imposed by regulatory entities; changes in trade policy, including the imposition of tariffs or the impacts of retaliatory tariffs, or the effects of related litigation; changes in interest rates; increases in unemployment rates; deterioration in the credit quality of U.
SEC original ↗U.S. Bancorp — Presentation / slide deck (8-K exhibit)EX-99Oct 15, 2026
Bancorp s role as a loan servicer Impacts of current, pending or future litigation and governmental proceedings Increased competitive pressure 12 U.
SEC original ↗U.S. Bancorp — Earnings release (8-K exhibit)EX-99Oct 15, 2026
Bancorp s role as a loan servicer; impacts of current, pending or future litigation and governmental proceedings; increased competitive pressure; changes in customer behavior and preferences and the ability to implement technological changes to respond to customer needs and meet competitive demands; failures or disruptions in or breaches of U.
SEC original ↗U.S. Bancorp — Presentation / slide deck (8-K exhibit)EX-99Oct 15, 2026
While economic conditions have shown improvement, the Company continues to monitor economic uncertainty related to interest rates, inflationary pressures, including those related to evolving geopolitical events, as well as other economic factors that may affect the financial strength of corporate and consumer borrowers.
SEC original ↗U.S. Bancorp — Earnings release (8-K exhibit)EX-99Oct 15, 2026
Forward-looking statements involve inherent risks and uncertainties that could cause actual results to differ materially from those set forth in forward-looking statements, including the following risks and uncertainties Deterioration in general business, political and economic conditions or turbulence in domestic or global financial markets, which could adversely affect U.
SEC original ↗U.S. Bancorp — Earnings release (8-K exhibit)EX-99Oct 15, 2026
Earnings deck slides
0 decks with slide viewU.S. Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
U.S. Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
U.S. Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
U.S. Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
U.S. Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
U.S. Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
U.S. Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
U.S. Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
U.S. Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
U.S. Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
U.S. Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
U.S. Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
U.S. Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
U.S. Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
U.S. Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
U.S. Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
U.S. Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
U.S. Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
U.S. Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
U.S. Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
U.S. Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
U.S. Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
U.S. Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
U.S. Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
U.S. Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
U.S. Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
U.S. Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
U.S. Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
U.S. Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
U.S. Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
U.S. Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
U.S. Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
U.S. Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Competitors
Competitors & peers
Same GICS sector — classification peers, not declared competitors
Filings
62 documents- Q3 2026
- 8-KUSB
Oct 30, 2026
- 8-KUSB
Oct 29, 2026
- 8-KUSB
Oct 15, 2026
- Q2 2026
- 10-QUSB
Aug 6, 2026
- 8-KUSB
Jul 16, 2026
- Q1 2026
- 8-KUSB
Jun 24, 2026
- 10-QUSB
May 4, 2026
- 8-KUSB
Apr 23, 2026
- 8-KUSB
Apr 16, 2026
- 8-KUSB
Apr 8, 2026
- Q4 2025
- 8-KUSB
Mar 9, 2026
- 10-KUSB
Feb 23, 2026
- 8-KUSB
Jan 29, 2026
- 8-KUSB
Jan 28, 2026
- 8-KUSB
Jan 20, 2026
- 8-KUSB
Jan 13, 2026
- Q3 2025
- 8-KUSB
Nov 6, 2025
- 10-QUSB
Nov 5, 2025
- 8-KUSB
Oct 16, 2025
- Q2 2025
- 8-KUSB
Aug 14, 2025
- 10-QUSB
Aug 7, 2025
- 8-KUSB
Jul 17, 2025
- 8-KUSB
Jul 2, 2025
- Q1 2025
- 10-QUSB
May 6, 2025
- 8-KUSB
Apr 17, 2025
- 8-KUSB
Apr 16, 2025
- 8-KUSB
Apr 16, 2025
- Q4 2024
- 8-KUSB
Mar 31, 2025
- 8-KUSB
Mar 25, 2025
- 10-KUSB
Feb 21, 2025
- 8-KUSB
Jan 31, 2025
- 8-KUSB
Jan 28, 2025
- 8-KUSB
Jan 16, 2025
- Q3 2024
- 8-KUSB
Nov 7, 2024
- 10-QUSB
Nov 5, 2024
- 8-KUSB
Oct 16, 2024
- 8-KUSB
Oct 15, 2024
- Q2 2024
- 8-KUSB
Sep 20, 2024
- 8-KUSB
Sep 12, 2024
- 8-KUSB
Sep 12, 2024
- 8-KUSB
Aug 21, 2024
- 10-QUSB
Aug 6, 2024
- 8-KUSB
Jul 17, 2024
- 8-KUSB
Jul 16, 2024
- 8-KUSB
Jul 1, 2024
- Q1 2024
- 8-KUSB
Jun 27, 2024
- 8-KUSB
May 31, 2024
- 8-KUSB
May 6, 2024
- 8-K/AUSB
May 6, 2024
- 8-KUSB
May 3, 2024
- 10-QUSB
May 1, 2024
- 8-KUSB
Apr 18, 2024
- 8-KUSB
Apr 17, 2024
- Q4 2023
- 8-KUSB
Mar 5, 2024
- 8-KUSB
Feb 21, 2024
- 10-KUSB
Feb 20, 2024
- 8-KUSB
Jan 17, 2024
- Q3 2023
- 8-KUSB
Dec 6, 2023
- 8-KUSB
Nov 1, 2023
- 10-QUSB
Nov 1, 2023
- 8-KUSB
Oct 19, 2023
- 8-KUSB
Oct 18, 2023
Earnings releases
11 documentsPresentations
33 documents- Q3 2026
- USBDeck
- USBDeck
- Q2 2026
- USBDeck
- USBDeck
- Q1 2026
- USBDeck
- USBDeck
- USBDeck
- Q4 2025
- USBDeck
- USBDeck
- Q3 2025
- USBDeck
- USBDeck
- USBDeck
- USBDeck
- Q2 2025
- USBDeck
- USBDeck
- USBDeck
- Q1 2025
- USBDeck
- USBDeck
- USBDeck
- Q4 2024
- USBDeck
- USBDeck
- Q3 2024
- USBDeck
- USBDeck
- Q2 2024
- USBDeck
- USBDeck
- USBDeck
- Q1 2024
- USBDeck
- USBDeck
- USBDeck
- Q4 2023
- USBDeck
- USBDeck
- Q3 2023
- USBDeck
- USBDeck
Transcripts
0 documentsNo transcripts for U.S. Bancorp are held in this edition of the library.
Mentioned by
13 companiesOther tracked companies whose held documents mention U.S. Bancorp by name or ticker. A mention is counted once per document, from the document text the library holds.
“73 Storage and Interconnect $35 Total $267 Diodes’ products: PCIe® packet switches, PCIe, USB, & SATA ReDrivers Clock generators,… … industry and of changes in end-market demand or product mix that may affect gross margin or render inventory obsolet”
Regions Financial Corporation (RF)
“itigation Reform Act of 1995: This presentation contains forward-looking statements about U.S. Bancorp. Statements… …related physical and transition risks; failure to execute on strategic or operational plans; effects of mergers and acquisitions, suc”
“ately $98 million in fee revenue and $84 million of noninterest expense… …attributable to U.S. Bancorp $2,177 $1,945 $1,815 Diluted earnings per common share $1.35 $1.18 $1.11 Dividends declared per common share $.52 $.52 $.50 BALANCE SHEET (”
“d revolving credit facility. Wells Fargo Securities, LLC, RBC Capital Markets, LLC, U.S. Bancorp Investments, Inc. and BBVA… …the Securities Act and the Securities Exchange Act of 1934, both as amended by the Private Securities Litigation Refor”
“bilities Business Essentials | Money Movement | Cash Flow Tools › Represents 10% of total U.S. Bancorp revenue1 › Stable and diversified deposit base at a favorable… …risk-weighted assets. 3 Non-GAAP; see appendix for calculations. 4 Earnings returne”
“ management fees, and higher corporate payment and treasury management … …attributable to U.S. Bancorp $2,202 $2,177 $2,001 Diluted earnings per common share $1.34 $1.35 $1.22 Dividends declared per common share $.54 $.52 $.52 BALANCE SHEET (”
“merger & acquisition activity: CFG, FITB, FCNCA, FHN, HWC, HBAN, KEY, MTB, SSB, PNC, TFC, USB, ZION. Peer median excludes… …financial service providers. ☑ Advance Strategic Focus Prioritize forward-looking initiatives including Artificial Intelligenc”
Norwegian Cruise Line Holdings (NCLH)
“merger & acquisition activity: CFG, FITB, FCNCA, FHN, HWC, HBAN, KEY, MTB, SSB, PNC, TFC, USB, ZION. Peer median excludes… …financial service providers. ☑ Advance Strategic Focus Prioritize forward-looking initiatives including Artificial Intelligenc”
“ex ® Ethernet, I/O, Industrial and Power Connectivity RJ45, RJ11, M12, IP67 and USB connectivity for data/voice/video… …mix between higher- and lower-margin product lines will have a corresponding impact on the Company’s gross margin percen”
“to access… …delivers the industrys most widely-used solutions for deploying PCI Express, USB, NAND Flash and DDR SDRAM subsystems in electronic designs. Developers use Denalis EDA, IP products, and services to simplify… …transaction with available ”
“to … …state drives (or SSDs) embedded products, removable cards, universal serial bus (or USB) drives, and wafers and components. Our broad portfolio of technology and products addresses multiple end markets of Cloud,…”
“ash flow, up 19% YoY. In terms of technology, we recently validated our 22nm process on a USB 2.0 test vehicle,… …rate: 92% ‧Net income attributable to stockholders of the parent: NT$3.84 billion (US$128 million) ‧Earnings per share: NT$0.33; ear”
“egments Processors Security System Interfaces Peripheral Interfaces IP (PCIe, Ethernet…) (USB, HDMI…) Highest quality IP portfolio with the best support Trusted provider with scope and scale… …Kochpatcharin Vice President & General Manager, Head of D”
See also the earnings calendar for every tracked company’s next earnings date.