
U.S. Bancorp reported record net revenue of $7,365 million and net income of $2,045 million for Q4 2025. Diluted earnings per common share was $1.26, with net interest margin at 2.77%.
Bullish
U.S. Bancorp achieved strong profitability with 18.4% return on tangible common equity and record net revenue, driven by fee income growth. Strategic acquisitions and digital asset innovation further bolster U.S. Bancorp's market position.
Bearish
U.S. Bancorp experienced increased provision for credit losses due to loan growth and higher credit card delinquencies. Sequential noninterest income declined, and the company faces ongoing economic uncertainty and regulatory policy change risks.