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Earning Analysis

Welcome to our in-depth analysis of US Bancorp(USB) earnings, offering investors a detailed look into the company’s financial performance, revenue trends, earnings per share (EPS), and market reactions. This page provides a comprehensive overview of US Bancorp earnings history, forecasts, and key financial metrics, empowering you with the data needed to make informed investment decisions. Whether you're tracking quarterly results, analyzing earnings surprises, or exploring future projections, our detailed breakdown covers it all.

Earnings Forecast

Revenue
EPS
Currency: USD
Actual
Estimate

Surprise Analysis

Name
EPS
Revenue
Price Reaction
Fiscal QuarterEarning DateTimeEstimateActualSurprise%EstimateActualSurprise%1D5D
FY2025Q12025-04-16Pre-Market0.991.03+4.046.91B6.93B+0.27-2.10+0.96
FY2024Q42025-01-16Pre-Market1.061.07+0.946.99B6.98B-0.19-5.64-4.85
FY2024Q32024-10-16Pre-Market1.001.03+3.006.91B6.83B-1.05+4.70+2.19
FY2024Q22024-07-17-0.960.98+2.086.80B6.84B+0.56+4.55+5.22
-2024-04-17-0.890.90+1.12----3.61-0.07
FY2023Q32023-10-18-1.041.05+0.967.02B7.00B-0.22-4.36-10.03
-2023-07-19-1.131.12-0.88---+6.46+3.58
-2023-04-19-1.131.16+2.65---+2.33-9.72
-2023-01-25-1.111.20+8.11---+5.31+6.71
-2022-10-14-1.171.18+0.85---+3.36-3.29

USB Earnings Analysis

Our earnings analysis provides a granular look at the company’s performance across recent fiscal quarters, highlighting key metrics such as revenue, EPS, and operating margins. By examining actual results against analyst estimates, we uncover trends and surprises that drive stock price movements, offering valuable insights for both short-term traders and long-term investors.
In the most recent quarter, US Bancorp reported performance for FY2025Q1, announced on 2025-04-16. The company achieved an EPS of 1.03, compared to analyst estimates of 0.99 by 4.04% . Revenue for the quarter reached 6.93B compared to expectations of 6.91B by 0.27% .
The stock price reacted with a -2.10% one-day change and a 0.96% five-day change following the earnings release. These movements reflect market reaction in US Bancorp growth trajectory and strategic initiatives.

USB Earnings Forecast

Looking ahead, US Bancorp(USB) remains a focal point for investors seeking growth opportunities. Analyst forecasts for 2025/Q2 project quarter revenue of 7.06B and an EPS of 1.08.
However, recent estimate revisions provide additional context. Over the past three months, revenue estimates for FY2025 have been Revise Downward by -0.67%, while EPS estimates have been Revise Downward by -0.99%. For the upcoming Q2 2025, revenue estimates have been adjusted Revise Downward by -1.14% . These revisions correlate with a -4.60% change in stock price over the same period, suggesting potential buying opportunities for investors who believe in US Bancorp long-term fundamentals.
The relationship between earnings forecast revisions and stock price movements is critical for investors. Positive revisions in revenue or EPS often signal strengthening fundamentals, making temporary price dips attractive entry points. Conversely, downward revisions may reflect short-term challenges.

Estimate Revision

The chart shows the correlation between USB's stock price and earnings forecast revisions. Positive revisions in Revenue or EPS often strengthen the stock's fundamentals, making price dips potential buying opportunities.
Revenue Estimates for FY2025
Revise Downward
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-0.67%
In Past 3 Month
EPS Estimates for FY2025
Revise Downward
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-0.99%
In Past 3 Month
Revenue Estimates for Q2 2025
Revise Downward
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-1.14%
In Past 3 Month
Stock Price
Go Down
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-4.60%
In Past 3 Month
1Y
3Y
5Y
Annual FY 2025
Currency: USD
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Revenue Estimate-Annual FY 2025:28.48B
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EPS Estimate-Annual FY 2025:4.33
Stock Price43.59

USB Revenue and EPS Performance: A Historical Perspective

US Bancorp revenue and earnings per share (EPS) performance over recent quarters provides a clear picture of its financial health. Below is a detailed breakdown of the company’s earnings history, showcasing actual results, analyst estimates, and surprise percentages for key fiscal quarters:
FY2025Q1 (2025-04-16,Pre-Market):
EPS: 1.03 (Actual) vs.0.99 (Estimate) (4.04%)
Revenue: 6.93B (Actual) vs. 6.91B (Estimate) (0.27%)
Price Reaction: -2.10%(1-Day), 0.96%(5-Day)
FY2024Q4 (2025-01-16,Pre-Market):
EPS: 1.07 (Actual) vs.1.06 (Estimate) (0.94%)
Revenue: 6.98B (Actual) vs. 6.99B (Estimate) (-0.19%)
Price Reaction: -5.64%(1-Day), -4.85%(5-Day)
FY2024Q3 (2024-10-16,Pre-Market):
EPS: 1.03 (Actual) vs.1.00 (Estimate) (3.00%)
Revenue: 6.83B (Actual) vs. 6.91B (Estimate) (-1.05%)
Price Reaction: 4.70%(1-Day), 2.19%(5-Day)
Earnings Reaction
The chart below shows how USB performed 10 days before and after its earnings report, based on data from the past quarters. Typically, USB sees a -3.30% change in stock price 10 days leading up to the earnings, and a -1.44% change 10 days following the report. On the earnings day itself, the stock moves by +1.10%. This data can give you a slight idea of what to expect for the next quarter's release.
For example, in MAR/2025, the stock changed 1.00% on the day following the earnings release and then changed by 7.09% over the next 10 days. These patterns provide investors with valuable insights into potential price movements and help inform trading strategies around earnings events.

Transcript Summary

US Bancorp (USB) Q1 2025 Earnings Call Summary
Positive
2025-04-18
The earnings call reflects strong financial performance with EPS beating expectations and positive operating leverage. The share repurchase program and improved credit quality are also favorable. While there are risks from market volatility and competition, the company's strategic focus on digital capabilities and stable consumer spending are positives. The Q&A section did not reveal significant negative sentiment, and the management's optimistic guidance supports a positive outlook, likely leading to a stock price increase of 2% to 8% over the next two weeks.
US Bancorp (USB) Q1 2025 Earnings Call Summary
Neutral
2025-04-16
The earnings call summary shows a mixed picture: stable financials, disciplined expense management, and a modest share repurchase program are positive. However, concerns over interest rate sensitivity, flat loan growth, and a cautious outlook on net interest income indicate potential headwinds. The Q&A highlighted uncertainty in the market and management's cautious approach. The absence of a strong catalyst, like a new partnership or significant guidance change, suggests a neutral stock price movement over the next two weeks.
US Bancorp (USB) Q1 2025 Earnings Call Summary
Positive
2025-04-16
The earnings call reflects solid financial performance with strong EPS growth, stable net interest income, and improved credit quality. The cautious but optimistic guidance on share repurchases and capital management suggests a positive outlook. Despite some management caution in the Q&A, the company's strategic investments and stable financial metrics support a positive sentiment. The shareholder return plan, though modest, remains a positive factor. Overall, the combination of strong financial results and prudent capital management indicates a likely positive stock price movement.
U.S. Bancorp (USB) Q3 2024 Earnings Call Summary
Neutral
2024-10-16
The earnings call presents a mixed picture. Financial performance is stable, but muted loan growth and increased credit quality risks are concerns. Investment portfolio losses and competitive pressures add uncertainty. However, positive factors include share repurchase plans, stable NII guidance, and improved efficiency ratio. The Q&A indicates some optimism in payment growth and operating leverage. Overall, the sentiment is neutral, with no strong positive or negative catalysts.
U.S. Bancorp (USB) Q2 2024 Earnings Call Summary
Negative
2024-07-17
The earnings call summary indicates stable financial metrics but highlights concerns such as increased NPAs, a decrease in net interest margin, and competitive pressures. The Q&A reveals tepid loan growth and unclear management responses regarding leadership transition, adding uncertainty. While there is a share repurchase program, the lack of specifics and the absence of new positive catalysts suggest a negative sentiment. The negative factors, including competitive pressures and unclear management strategy, outweigh the positives, leading to a predicted stock price movement in the negative range.

FAQ

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What were the key highlights of USB’s latest earnings report for FY2025Q1?

USB reported its FY2025Q1 earnings on 2025-04-16, showcasing a revenue of 6.93B against an estimate of 6.91B, resulting in a 0.27% surprise. The EPS was 1.03, surpassing the expected 0.99 by 4.04% . The stock experienced a -2.1% price change on the earnings day and a 0.96% change over the next five days, reflecting market reactions to the results.
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How did USB’s stock price react after the FY2025Q1 earnings release?

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What are the revenue and EPS estimates for USB for 2025/Q2?

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How does USB’s stock price correlate with earnings forecast revisions?

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What should investors expect from USB’s next earnings report?

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What is the sentiment in US Bancorp (USB) Q1 2025 Earnings Call Summary?