NYSE$USB
US Bancorp · Q2 2025 earnings
Q2 2025 earnings · · Before market open · Investor relations
Briefing
U.S. Bancorp reported Q2 2025 net income of $1.82B with diluted EPS of $1.11.
Net income was $1.8 billion, or $1.11 per diluted share, up 13% year over year as revenue growth and expense discipline offset credit normalization. Payments, commercial banking, and wealth capabilities remain growth priorities post-Union Bank integration.
- Q2 net income $1.82B; diluted EPS $1.11 (+14% YoY).
- Revenue growth across core businesses.
- Expense discipline and operating leverage.
- Credit quality within expectations.
- Capital returns and integration synergies.
Headline financials
Revenue & EPS history
US Bancorp · Revenue · Quarterly
$7B
Revenue by segment
US Bancorp · $4.53B total across 3 segments · Q3 2023
- Consumer & Business$2.48B+20.0%54.6%
- Payment Services$1.73B+6.7%38.2%
- Treasury & Corporate$323M+0.0%7.1%
Forward guidance
Regional and diversified financials emphasize NIM, credit quality, and capital returns.
Tailwinds
- Net interest income and deposit stability.
- Fee income diversification.
- Capital ratios and dividends.
Headwinds
- Funding costs and competition.
- CRE and consumer credit risk.
- Rate path uncertainty.
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 20 quarterly earnings reports · overlaid with Q2 2025
+0.0%
Avg return
Earnings day
+0.3%
Avg return
5 days after
+2.2%
Avg return
30 days after
54%
39 / 72 earnings
Positive
+7.1%
Q2 2023
Best reaction
-11.2%
Q1 2020
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q1 2026 | +1.0% | +0.8% | -5.8% | |
| Q3 2025 | -1.8% | +2.5% | +1.4% | |
| Q2 2025 | +0.5% | -0.9% | +5.4% | |
| Q1 2025 | -2.1% | -2.1% | +16.3% | |
| Q4 2024 | -5.0% | -3.1% | -6.2% | |
| Q3 2024 | +6.3% | +2.0% | +6.2% | |
| Q2 2024 | +2.6% | +4.0% | -0.2% | |
| Q1 2024 | -3.8% | +0.1% | +1.0% | |
| Q4 2023 | -3.0% | +1.0% | +0.3% | |
| Q3 2023 | -6.1% | -10.4% | +7.9% | |
| Q2 2023 | +7.1% | +7.4% | +0.8% | |
| Q1 2023 | -1.2% | -6.8% | -14.4% | |
| Q4 2022 | +4.3% | +4.6% | +2.1% | |
| Q3 2022 | +3.1% | -0.3% | +8.6% | |
| Q2 2022 | +5.5% | +6.3% | +10.2% | |
| Q1 2022 | +4.2% | +4.5% | -4.0% | |
| Q4 2021 | -8.4% | -8.7% | -8.2% | |
| Q3 2021 | -2.0% | -0.2% | -1.6% | |
| Q2 2021 | +0.3% | -1.6% | +2.2% | |
| Q1 2021 | +0.5% | -2.4% | +7.5% | |
| Q4 2020 | -5.0% | -4.8% | +4.1% | |
| Q3 2020 | +1.9% | +1.4% | +12.7% | |
| Q2 2020 | +3.5% | -2.0% | +4.1% | |
| Q1 2020 | -11.2% | -4.3% | -14.3% | |
| Q4 2019 | -2.5% | -2.2% | -2.6% | |
| Q3 2019 | +1.8% | +4.5% | +9.9% | |
| Q2 2019 | +4.1% | +4.3% | -1.4% | |
| Q1 2019 | +1.8% | +1.8% | +2.5% | |
| Q4 2018 | +3.7% | +4.7% | +7.0% | |
| Q3 2018 | +2.3% | +0.9% | +7.7% | |
| Q2 2018 | +0.1% | +1.1% | +3.9% | |
| Q1 2018 | -0.6% | -0.9% | -0.9% | |
| Q4 2017 | -1.8% | +0.2% | -2.7% | |
| Q3 2017 | -0.5% | +0.5% | -3.7% | |
| Q2 2017 | +1.6% | +2.2% | +0.1% | |
| Q1 2017 | +1.8% | +3.5% | +2.6% | |
| Q4 2016 | +0.8% | +1.3% | +9.1% | |
| Q3 2016 | +2.2% | +2.3% | +14.5% | |
| Q2 2016 | +1.5% | +1.7% | +3.6% | |
| Q1 2016 | +1.6% | — | — | |
| Q4 2015 | -2.0% | — | — | |
| Q3 2015 | +0.7% | — | — | |
| Q2 2015 | +4.5% | — | — | |
| Q1 2015 | -1.4% | — | — | |
| Q4 2014 | +5.4% | — | — | |
| Q3 2014 | +0.3% | — | — | |
| Q2 2014 | -3.9% | — | — | |
| Q1 2014 | -1.9% | — | — | |
| Q4 2013 | -2.1% | — | — | |
| Q3 2013 | +2.2% | — | — | |
| Q2 2013 | -0.5% | — | — | |
| Q1 2013 | -2.8% | — | — | |
| Q4 2012 | -1.6% | — | — | |
| Q3 2012 | +2.4% | — | — | |
| Q2 2012 | +2.6% | — | — | |
| Q1 2012 | +0.4% | — | — | |
| Q4 2011 | -0.3% | — | — | |
| Q3 2011 | +1.1% | — | — | |
| Q2 2011 | -1.5% | — | — | |
| Q1 2011 | +0.0% | — | — | |
| Q4 2009 | -1.5% | — | — | |
| Q4 2008 | -1.5% | — | — | |
| Q4 2010 | -1.5% | — | — | |
| Q2 2010 | -1.5% | — | — | |
| Q3 2010 | -3.4% | — | — | |
| Q1 2009 | +4.2% | — | — | |
| Q1 2010 | +1.5% | — | — | |
| Q4 2007 | +0.9% | — | — | |
| Q3 2009 | +2.2% | — | — | |
| Q3 2008 | +2.2% | — | — | |
| Q2 2008 | -4.9% | — | — | |
| Q2 2009 | -4.9% | — | — |
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