U.S. Bancorp(US:USB) ZACKS·2026-01-21 00:30Core Insights - U.S. Bancorp reported revenue of $7.37 billion for Q4 2025, a 5.5% year-over-year increase, with EPS of $1.26 compared to $1.07 a year ago, exceeding the Zacks Consensus Estimate of $7.32 billion by 0.58% [1] Financial Performance Metrics - Net interest margin was 2.8%, matching the average estimate from six analysts [4] - Net charge-off ratio stood at 0.5%, better than the average estimate of 0.6% [4] - Efficiency ratio was 57.4%, slightly better than the average estimate of 57.8% [4] - Average earning assets were $620.22 billion, slightly below the average estimate of $620.79 billion [4] - Book value per common share was $37.55, exceeding the average estimate of $37.16 [4] - Total nonperforming loans amounted to $1.55 billion, better than the average estimate of $1.63 billion [4] - Total nonperforming assets were $1.59 billion, also better than the average estimate of $1.68 billion [4] - Leverage ratio was 8.7%, slightly below the average estimate of 8.8% [4] - Tier 1 Capital Ratio was 12.3%, lower than the average estimate of 12.6% [4] - Total noninterest income reached $3.05 billion, slightly above the average estimate of $3.04 billion [4] - Net interest income was $4.31 billion, exceeding the average estimate of $4.29 billion [4] - Mortgage banking revenue was $130 million, significantly below the average estimate of $166.91 million [4] Stock Performance - U.S. Bancorp shares returned -0.9% over the past month, while the Zacks S&P 500 composite increased by 1.6% [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market [3]