US Bancorp (USB) FY2025Q3 Earning Prediction

10/16 04:00:00

Pre-Market

US Bancorp (USB) is set to release its FY2025Q3 earnings performance on 10/16 04:00:00 in Pre-Market trading. Consensus forecasts predict a revenue of - and an earnings per share (EPS) of 1.11 for the FY2025Q3. With Intellectia's exclusive AI algorithms, users can predict whether the earnings will beat or miss expectations before the report drops. Leverage this powerful tool to strategize and position your trades ahead of the earnings release!

Estimate

Actual

Surprise

Revenue-

EPS-

1.11

AI Summary

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AI Earnings Prediction

Prediction for FY2025Q3

Earnings Date: Oct 16, 2025

The earnings forecast predicts a Beat due to fee revenue growth, expense management, and loan demand stimulation.

Beat

Last 0 quarters:

2 beats3 misses

Scenario Analysis

The AI analyzes the probability of each scenario occurring and identifies the triggering conditions.

Scenario

Prob.

Stock Reaction

Trigger Condition

Strong Beat

20%

+5-7%

Fee revenue surges >5% QoQ, EPS growth >12% YoY.

Beat

40%

+2-4%

Fee growth meets raised guidance, loan growth accelerates.

Neutral

25%

Flat

Metrics align with consensus; no incremental catalysts.

Miss

10%

-3-5%

Deposit costs rise faster than expected, loan growth stalls.

Strong Miss

-7-10%

Crypto custody adoption lags, NIM contracts sharply.

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Key Indicators Forecast

The AI provides itemized forecasts for key indicators, potentially including revenue, EPS, gross margin, and free cash flow.

Revenue

EPS

Currency:

No data

Actual

Estimate

Metric

Prediction

Justification

Revenue

Beat

Anchorage partnership and wealth management momentum drive fee income above consensus. Loan growth offsets modest NIM compression.

EPS

Beat

Expense discipline (+ operating leverage) and diversified fee growth support double-digit EPS expansion.

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Prediction Logic & Rational

Logic & Justification

Key Fact Data Analysis

Fee Revenue Growth Drivers:

Anchorage Digital Partnership: U.S. Bancorp’s custody services for Anchorage’s stablecoins represent a new fee revenue stream in crypto banking. This strategic move aligns with growing institutional demand for digital asset custody, likely boosting fee income from payments and trust services.
Wealth Management Leadership: Jodi Rolland’s appointment as CEO of USBI/USBA signals a focus on expanding affluent wealth management, a high-margin fee business. Analyst notes highlight "solid core fee income" and maintained guidance.

Expense Discipline & Operating Leverage:

DA Davidson cited positive operating leverage driven by expense management and balance sheet repositioning for margin expansion. Strategic cost controls offset inflationary pressures, aligning with management’s investor day targets.

Loan Growth Catalysts:

Prime Rate Cut: The 25bps rate reduction ( 7.5% → 7.25%) may stimulate loan demand in C&I/credit card portfolios, offsetting margin pressures. Analysts note accelerating loan growth as a sector tailwind.
Dividend Hike: A 4% dividend increase reflects confidence in capital efficiency and profitability, indirectly supporting ROTCE.

Risks to Beat:

Deposit Cost Uncertainty (Morgan Stanley) and delayed merger benefits (Truist) temper upside, but Fact Data leans toward execution on core metrics.

Prediction Logic & Rational

Tactical Strategy Recommendations

Trading Strategy

Directional Play: Buy stock ahead of earnings given undervaluation vs. peers (Citi’s $65 target vs. $47 current price).
Options: Long Oct/Nov $50 calls for leveraged upside on a Beat. Hedge with Nov $45 puts (5-10% of position).
Dividend Capture: Hold through October 15 record date for the raised dividend, then sell covered calls.

Risks: Monitor Fed policy shifts (rate cuts) and crypto regulatory developments, which could impact Anchorage partnership momentum.

Tactical Strategy Recommendations

Earnings Surprise Analysis

The chart displays the extent of earnings surprises and corresponding stock price movements for each earnings event.

Revenue

EPS

USB Transcript

U.S. Bancorp (USB) Presents at Goldman Sachs 2025 U.S. Financial Services Conference Transcript

Neutral12-10

U.S. Bancorp (USB) Presents at The BancAnalysts Association of Boston Conference Transcript

Neutral11-7

U.S. Bancorp (USB) Q3 2025 Earnings Call Transcript

Positive10-16

The earnings call summary indicates strong financial performance with positive operating leverage and revenue growth. The Q&A section highlights confidence in achieving financial targets, strategic growth in payments, and a focus on stablecoin readiness. Despite some uncertainties, the overall sentiment is positive, supported by optimistic guidance and a shareholder return plan aiming for a 75% payout ratio. The absence of a market cap suggests a moderate reaction, leading to a positive stock price movement prediction of 2% to 8%.

U.S. Bancorp (USB) Presents At Barclays 23rd Annual Global Financial Services Conference (Transcript)

Neutral9-9

USB Slides

U.S. Bancorp Q1 2025 slides: steady progress with positive operating leverage

2025-04-16

USB Report

Frequently Asked Questions

What is the US Bancorp FY2025Q3 Earnings Release Date and Time?

US Bancorp (USB) is scheduled to release its FY2025Q3 earnings report onOct 16, 2025, Pre-Market(approximately 4:00 PM ET). This timing allows investors to react during after-hours trading, with a conference call typically following shortly after.

What Are the Consensus Forecasts for US Bancorp FY2025Q3 Revenue and EPS?

Analysts' consensus predicts 0.00 in revenue and an EPS of 1.11 for US Bancorp's FY2025Q3.

What Does Intellectia's AI Predict for US Bancorp FY2025Q3 Earnings?

Intellectia's exclusive AI algorithms forecast a Beat forUS Bancorp's FY2025Q3 earnings, with a prediction date of Oct 16, 2025. US Bancorp The earnings forecast predicts a Beat due to fee revenue growth, expense management, and loan demand stimulation.

How Can I Use This Earnings Prediction to Trade USB Stock?

Leverage Intellectia's AI forecast to position trades ahead of theOct 16, 2025 release—consider calls for a beat scenario or protective puts for misses. Focus on pre-market volatility, and use the scenario probabilities to build strategies around revenue and guidance updates.

How Accurate Is Intellectia's AI for Earnings Predictions Like US Bancorp FY2025Q3?

Intellectia's predictions are backed by rigorous backtesting, showing a high hit rate for Beat and Miss calls compared to traditional analysis. While no forecast is 100% certain, we provide probability-based scenarios (e.g., 50% chance of a *Beat*) and detailed rationales to help you make informed decisions. Combine our insights with your strategy for the best results—it's like having a co-pilot for earnings season! Empowering users to strategize trades before reports drop.

How does AI Earnings Prediction generate its forecasts?

AI Earnings Prediction uses advanced Large Language Models (LLMs) to analyze a wealth of data, including past earnings transcripts, real-time market sentiment, analyst insights, and company news from the last three months. It focuses on key indicators like revenue, EPS, and margins to predict whether a company will *Beat*, *Miss*, or remain Neutral relative to market expectations. Think of it as a super-smart analyst crunching numbers and news 24/7 to give you a trading edge!

When are the predictions available, and how often are they updated?

Predictions are generated two days before a company’s earnings release (e.g., 5:00 PM ET on Feb 13 for a Feb 15 report) to capture the latest market and company data. They’re updated in real-time if significant news breaks, ensuring you get fresh insights.

Can I use AI Earnings Prediction for all types of stocks?

Currently, AI Earnings Prediction focuses on companies with market caps above $40 billion, covering major players like SPG, AAPL, MSFT, and NVDA for the 2024-2025 earnings seasons. We prioritize high-impact stocks with robust data to ensure reliable forecasts. Stay tuned as we expand coverage to more companies based on user demand!