Here's What Key Metrics Tell Us About U.S. Bancorp (USB) Q3 Earnings

For the quarter ended September 2025, U.S. Bancorp (USB) reported revenue of $7.33 billion, up 7.3% over the same period last year. EPS came in at $1.22, compared to $1.03 in the year-ago quarter.The reported revenue compares to the Zacks Consensus Estimate of $7.16 billion, representing a surprise of +2.42%. The company delivered an EPS surprise of +9.91%, with the consensus EPS estimate being $1.11.While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.Here is how U.S. Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:Net charge-off ratio: 0.6% versus 0.6% estimated by six analysts on average.Net interest margin (taxable-equivalent basis): 2.8% versus 2.7% estimated by six analysts on average.Average Balances - Total earning assets: $617.52 billion compared to the $616.69 billion average estimate based on five analysts.Book value per common share: $36.33 versus the five-analyst average estimate of $35.86.Efficiency Ratio: 57.2% versus 58.3% estimated by five analysts on average.Total nonperforming loans: $1.61 billion versus the four-analyst average estimate of $1.7 billion.Total nonperforming assets: $1.65 billion versus the four-analyst average estimate of $1.74 billion.Leverage ratio: 8.6% versus the three-analyst average estimate of 8.6%.Tier 1 Capital Ratio: 12.4% versus the two-analyst average estimate of 12.5%.Total Noninterest Income: $3.08 billion versus the six-analyst average estimate of $2.99 billion.Net interest income (taxable-equivalent basis): $4.25 billion versus the six-analyst average estimate of $4.18 billion.Mortgage banking revenue: $180 million compared to the $165.14 million average estimate based on five analysts.View all Key Company Metrics for U.S. Bancorp here>>>Shares of U.S. Bancorp have returned -6.4% over the past month versus the Zacks S&P 500 composite's +0.9% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.Free Report: Profiting from the 2nd Wave of AI ExplosionThe next phase of the AI explosion is poised to create significant wealth for investors, especially those who get in early. It will add literally trillion of dollars to the economy and revolutionize nearly every part of our lives.Investors who bought shares like Nvidia at the right time have had a shot at huge gains.But the rocket ride in the "first wave" of AI stocks may soon come to an end. The sharp upward trajectory of these stocks will begin to level off, leaving exponential growth to a new wave of cutting-edge companies.Zacks' AI Boom 2.0: The Second Wave report reveals 4 under-the-radar companies that may soon be shining stars of AI’s next leap forward.Access AI Boom 2.0 now, absolutely free >>Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report U.S. Bancorp (USB): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).Zacks Investment ResearchWeiter zum vollständigen Artikel bei Zacks Weiter zum vollständigen Artikel bei Zacks