U.S. Bancorp(US:USB) ZACKSยท2025-07-14 14:16Core Viewpoint - Analysts expect U.S. Bancorp (USB) to report quarterly earnings of $1.07 per share, reflecting a year-over-year increase of 9.2%, with revenues projected at $7.06 billion, up 3.3% from the previous year [1] Earnings Projections - The consensus EPS estimate has been revised down by 0.7% in the last 30 days, indicating a reassessment by analysts [1][2] Key Financial Metrics - Efficiency Ratio is forecasted to reach 59.1%, down from 61.0% in the same quarter last year [4] - Average Balances - Total earning assets are estimated at $611.20 billion, slightly up from $608.89 billion year-over-year [4] - Total nonperforming loans are projected at $1.72 billion, down from $1.81 billion in the same quarter last year [5] - Total nonperforming assets are expected to be $1.75 billion, compared to $1.85 billion a year ago [5] - Leverage ratio is anticipated to reach 8.5%, up from 8.1% year-over-year [6] - Tier 1 Capital Ratio is expected to be 12.5%, compared to 11.9% in the same quarter last year [6] - Total Noninterest Income is projected at $2.93 billion, up from $2.82 billion year-over-year [6] - Net interest income (taxable-equivalent basis) is likely to reach $4.12 billion, compared to $4.05 billion in the same quarter last year [7] - Mortgage banking revenue is expected at $179.55 million, down from $190.00 million year-over-year [7] - Other noninterest income is estimated at $157.21 million, slightly up from $157.00 million last year [8] - Commercial products revenue is projected at $391.02 million, compared to $374.00 million in the same quarter last year [8] - Service charges are expected to reach $322.07 million, compared to $322.00 million in the same quarter last year [9] Stock Performance - U.S. Bancorp shares have increased by 9.7% over the past month, outperforming the Zacks S&P 500 composite, which rose by 4% [10]