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Jun 30, 2025
US Bancorp Q2 2025 Earnings Report
US Bancorp reported solid results in Q2 2025 with higher EPS and stable credit quality.
Key Takeaways
US Bancorp delivered positive operating leverage for the fourth consecutive quarter, supported by solid fee revenue growth, prudent expense management, and stable credit quality.
Positive operating leverage for 4 straight quarters
Fee revenue grew 4.6% year-over-year
Stable credit quality with reserve release driven by strategic loan sales
Efficiency ratio improved to 59.2%
Revenue by Segment
Forward Guidance
US Bancorp expects continued positive operating leverage and modest revenue growth in Q3 2025 and FY 2025, with disciplined expense management.
Positive Outlook
- Positive operating leverage guidance of 200+ bps
- Net interest income expected at $4.1B to $4.2B
- Total fee revenue expected at ~$3.0B
- Stable CET1 capital ratio at ~10.7%
- Continued focus on multi-service clients to boost NII
Challenges Ahead
- Noninterest expense expected at $4.2B or lower, limiting cost flexibility
- Competitive deposit pricing pressures impacting NIM
- Macroeconomic uncertainty may weigh on loan growth
- Slower revenue growth in established segments
- Credit quality risks tied to economic slowdown remain
Historical Earnings Impact
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Avg. Return Before/After Earnings
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