U.S. Bancorp.
USB
Market Cap$75.99B
Close$
Earnings Call Q2 2025
July 17, 2025 - AI Summary
Earnings Performance: U.S. Bancorp reported Q2 2025 earnings per share (EPS) of $1.11, translating to a net income of $1.8 billion. Year-over-year, this reflects a 13% growth in adjusted EPS, driven by robust fee income growth of 4.6% across various business lines, offsetting a decline in net interest margin (NIM).
Revenue Guidance: For Q3 2025, the bank anticipates net interest income (NII) between $4.1 billion to $4.2 billion and total fee revenue around $3 billion. The company expects to achieve at least 200 basis points of positive operating leverage on an adjusted basis, maintaining a guidance of 3% to 5% revenue growth for the full year 2025, albeit emphasizing the lower end of this range due to NII headwinds.
Loan Growth Dynamics: U.S. Bancorp's commercial and industrial (C&I) loans grew 7.1% year-over-year, signaling strong demand. The bank is strategically shifting focus towards C&I and credit card portfolios while divesting $6 billion in residential mortgage and auto loans to enhance balance sheet positions.
Exclusive for Stockcircle Pro members
Sign up
$67.56
39.2% upside
Current Fair Value
39.2% upsideUndervalued by 39.2% based on the discounted cash flow analysis.
Share Statistics
| Market cap | $75.99 Billion |
|---|---|
| Enterprise Value | $97.23 Billion |
| Dividend Yield | $2.00 (4.10%) |
| Earnings per Share | $3.79 |
| Beta | 1.03 |
| Outstanding Shares | 1,559,000,000 |
Return
| Return on Equity | - |
|---|---|
| Return on Assets | - |
| Return on Invested Capital | - |
Valuation & Multiples
| P/E Ratio | 11.03 |
|---|---|
| PEG | 83.41 |
| Price to Sales | 2.86 |
| Price to Book Ratio | 1.24 |
| Enterprise Value to Revenue | 3.52 |
| Enterprise Value to EBIT | 14.31 |
| Enterprise Value to Net Income | 14 |
| Total Debt to Enterprise | 0.81 |
| Debt to Equity | 1.29 |
Revenue Sources
No data
Insider Trades
ESG Score
No data
About U.S. Bancorp.
2,020 employees
CEO: Andrew Cecere U.S. Bancorp, with nearly 70,000 employees and $554 billion in assets as of Dec. 31, 2020, is the parent company of U.S. Bank National Association, the fifth-largest commercial bank in the United States. The Minneapolis-based bank blends...