U USB

U.S. Bancorp.

BANKS - REGIONAL · FINANCIAL SERVICES

U.S. Bancorp (USB) is a leading American bank holding company headquartered in Minneapolis, Minnesota, offering a comprehensive suite of financial services including commercial and consumer banking, investment management, mortgage, trust, and payment solutions. With a strong commitment to innovation...

$54.63

-0.05% ($0.03)

Volume 8.98M

52W High $61.19

52W Low $35.18

Market Cap $59.59B

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What to Watch This Quarter

Based on historical data

Consensus EPS

$1.12

Whisper EPS

$1.19

5.8% above consensus

Last Quarter

$1.26

Current Streak

8 Beats

Avg Surprise (4Q)

+7.59%

Next Earnings Report

Reports in 41 days

Report Date Apr 15, 2026

Whisper Spread +5.80%

Consensus Estimate

$1.12

Official analyst average

Whisper Number

$1.19

What traders expect

Bullish Sentiment: The whisper number is 5.8% above consensus, suggesting traders expect a strong beat. The stock may be priced for upside surprise.

Price Chart

EPS History: Consensus vs Actual

Last 12 quarters

Price Movement Around Earnings

Q4 2025 Jan 20, 2026

1-Day: +2.00%

Q3 2025 Oct 16, 2025

1-Day: +0.09%

5-Day: +4.29%

Q2 2025 Jul 17, 2025

1-Day: +1.06%

5-Day: +2.10%

Q1 2025 Apr 16, 2025

1-Day: +1.00%

5-Day: -0.03%

Revenue & Financial Performance

Revenue Whisper

$11.45B

TWN Proprietary Estimate

Last Quarter Revenue

$10.98B

+2.9% YoY

Gross Margin

66.9%

Net Margin: 18.7%

Quarter	Revenue	YoY Growth	Gross Margin	Op Margin	Net Income
Q4'25	$10.98B	+2.9%	66.9%	23.1%	$2.05B
Q3'25	$11.01B	+2.1%	61.1%	23.0%	$2.00B
Q2'25	$10.53B	-2.5%	61.5%	21.8%	$1.82B
Q1'25	$10.35B	-1.1%	61.7%	20.9%	$1.71B
Q4'24	$10.66B	+2.7%	60.2%	19.8%	$1.66B
Q3'24	$10.78B	+2.5%	58.2%	19.2%	$1.71B
Q2'24	$10.80B	+5.4%	58.1%	19.0%	$1.60B
Q1'24	$10.46B	+10.5%	58.6%	16.0%	$1.32B

Historical Earnings

Last 12 quarters

Quarter	Date	Consensus	Whisper	Actual EPS	Surprise %	Result
Q4 2025	Jan 20, 2026	$1.14	$1.19	$1.26	+10.53%	Beat
Q3 2025	Oct 16, 2025	$1.11	$1.14	$1.22	+9.91%	Beat
Q2 2025	Jul 17, 2025	$1.07	$1.12	$1.11	+3.74%	Met
Q1 2025	Apr 16, 2025	$0.97	$0.99	$1.03	+6.19%	Beat
Q4 2024	Jan 15, 2025	$1.05	$1.09	$1.07	+1.90%	Missed
Q3 2024	Oct 16, 2024	$0.99	$1.02	$1.03	+4.04%	Met
Q2 2024	Jul 17, 2024	$0.94	$0.98	$0.98	+4.26%	Met
Q1 2024	Apr 17, 2024	$0.88	$0.91	$0.90	+2.27%	Missed
Q4 2023	Jan 17, 2024	$0.98	$1.01	$0.99	+1.02%	Missed
Q3 2023	Oct 18, 2023	$1.02	$1.05	$1.05	+2.94%	Met
Q2 2023	Jul 19, 2023	$1.12	$1.16	$1.12	+0.00%	Missed
Q1 2023	Apr 19, 2023	$1.12	$1.15	$1.16	+3.57%	Met