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Sep 30, 2025
US Bancorp Q4 2025 Earnings Report
US Bancorp reported strong Q4 results with record revenue and solid earnings growth.
Key Takeaways
U.S. Bancorp delivered strong fourth-quarter results, driven by higher net interest income, fee revenue growth, and disciplined expense management. Profitability and asset quality remained strong, and the company showed positive operating leverage.
Revenue by Segment
Forward Guidance
For FY26, U.S. Bancorp expects solid revenue growth, continued positive operating leverage, and EPS expansion, excluding the BTIG acquisition impact.
Positive Outlook
- Net interest income expected to grow 4% to 6% year-over-year
- Total fee revenue projected to increase 5% to 6%
- Positive operating leverage expected to exceed 200 bps
- BTIG acquisition to contribute ~$175–200M in quarterly revenue post-closing
- Expense discipline to support margin expansion
Challenges Ahead
- BTIG acquisition neutral to PPNR in 2026
- Continued pressure from deposit mix and interest-bearing costs
- Seasonal declines anticipated in certain fee categories
- Macroeconomic uncertainty may impact loan demand
Historical Earnings Impact
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Avg. Return Before/After Earnings
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