Sep 30, 2024

US Bancorp Q3 2024 Earnings Report

Reported diluted earnings per share of $1.03 and a return on tangible common equity of 17.9%.

Key Takeaways

US Bancorp reported a net income of $1,714 million and diluted earnings per share of $1.03 for Q3 2024. The results included an $89 million after-tax net securities loss, which was largely offset by lower income tax expense. Net interest income increased by 2.8% on a linked quarter basis.

Net income was $1,714 million, with diluted earnings per share at $1.03.

Net interest income increased 2.8% on a linked quarter basis.

Noninterest income, excluding net securities losses, increased due to commercial products, trust and investment management fees, payment services, and mortgage banking revenue.

CET1 capital ratio was 10.5% at the end of September 30, 2024.

Total Revenue
$6.83B
Previous year: $7B
-2.4%
EPS
$1.03
Previous year: $1.05
-1.9%
Efficiency Ratio
60.2%
Previous year: 64.4%
-6.5%
Net Interest Margin
2.74%
Previous year: 2.81%
-2.5%
ROA
1.03%
Previous year: 0.91%
+13.2%
Gross Profit
$6.28B
Previous year: $7B
-10.3%
Cash and Equivalents
$73.6B
Previous year: $64.4B
+14.3%
Free Cash Flow
$11B
Total Assets
$686B
Previous year: $668B
+2.8%

US Bancorp

US Bancorp

US Bancorp Revenue by Segment

Forward Guidance

U.S. Bancorp expects positive operating leverage to expand in the fourth quarter and into 2025.

Revenue & Expenses

Visualization of income flow from segment revenue to net income