USB Earnings Date: Jan 19, 2027 — U.S. Bancorp
NYSE · Financials · Banks - Regional
Updated
When is USB's next earnings date?
U.S. Bancorp (USB) is scheduled to report Q4 2026 earnings on Tuesday, January 19, 2027 at 6:45 AM ET (before market open). The consensus estimate is EPS of $1.39 on revenue of $8.10B.
How did USB do in its last earnings report?
In its most recent report on Oct 15, 2026 (Q3 2026), U.S. Bancorp posted EPS of $1.34 versus the $1.31 estimate, a beat of 2.3%. Revenue was $7.97B against a $7.98B estimate. The stock's 1-day post-earnings move was +2.0%.
How much does USB stock move after earnings?
USB beat EPS estimates in 8 of its last 8 reported quarters. Over the last 8 reports the stock moved an average of 2.0% (up or down) in the day after earnings.
About U.S. Bancorp
U.S. Bancorp (USB) functions as a broad-based financial services holding company, delivering a comprehensive spectrum of banking and financial solutions throughout the United States. Its diverse customer base includes individual consumers, various businesses, institutional organizations, governmental bodies, and other financial entities. The company organizes its operations across key segments: Corporate and Commercial Banking, Consumer and Business Banking, Wealth Management and Investment Services, Payment Services, and Treasury and Corporate Support. Its offerings encompass fundamental depository services such as checking accounts, savings accounts, and time certificates. U.S. Bancorp also extends a variety of credit facilities, including traditional lending products, credit card services, lease financing, support for import/export trade, asset-backed lending, and agricultural finance. Furthermore, it provides supplementary services like capital markets access, treasury management, and receivable lock-box collection for its corporate and governmental clients. The firm also offers a full suite of asset management and fiduciary services designed for individuals, estates, foundations, corporations, and charitable organizations. Beyond these, the company supplies investment and insurance products, predominantly to customers within its operating regions, and delivers fund administration services to a range of mutual and other investment funds. Its portfolio also includes corporate and purchasing card services, corporate trust management, and merchant processing. U.S. Bancorp's capabilities additionally span investment management, ATM network operation, mortgage banking, insurance provision, brokerage activities, and leasing services. As of December 31, 2021, the company distributed its products and services through a physical network of 2,230 banking branches, mainly concentrated in the Midwest and Western United States. Digital access was also extensively provided via online platforms, mobile devices, and other electronic channels. Additionally, it managed a network of 4,059 ATMs. Founded in 1863, U.S. Bancorp is headquartered in Minneapolis, Minnesota.
🤖 AI Earnings Analysis
U.S. Bancorp posted a solid but not clean quarter: EPS beat by **$0.03** to **$1.34**, while revenue **missed at $8.0B**, and the bank still delivered **35% YoY** top-line growth. Guidance for **$30.7B-$31.3B** in 2026 suggests steady momentum, but this was more execution than breakout.
AI-generated summary — powered by BigEarnings.
Earnings History
| Date | Period | EPS Est. | EPS Act. | Surprise | Revenue | Result | 1D Δ | 1W Δ | 1M Δ |
|---|---|---|---|---|---|---|---|---|---|
| 2026-10-15 | Q3 2026 | 1.31 | 1.34 | +2.29% | $7.97B | ✅ Beat | +2.01% | +4.96% | — |
| 2026-07-16 | Q2 2026 | 1.27 | 1.35 | +6.30% | $7.69B | ✅ Beat | +1.60% | +2.32% | +3.43% |
| 2026-04-16 | Q1 2026 | 1.14 | 1.18 | +3.51% | $7.26B | ✅ Beat | -1.57% | +0.42% | -5.24% |
| 2026-01-20 | Q4 2025 | 1.19 | 1.26 | +5.88% | $7.34B | ✅ Beat | -0.04% | +2.63% | +8.02% |
| 2025-10-16 | Q3 2025 | 1.12 | 1.22 | +8.93% | $7.30B | ✅ Beat | -1.72% | +1.90% | +1.86% |
| 2025-07-17 | Q2 2025 | 1.07 | 1.11 | +3.74% | $6.97B | ✅ Beat | -1.03% | +1.33% | +2.53% |
| 2025-04-16 | Q1 2025 | 0.98 | 1.03 | +5.10% | $6.93B | ✅ Beat | -2.09% | +2.28% | +15.41% |
| 2025-01-16 | Q4 2024 | 1.05 | 1.07 | +1.90% | $6.98B | ✅ Beat | -5.65% | -4.85% | -6.20% |
Showing last 8 quarters.
Revenue by segment & region
By segment
Q1 FY26 · $7.53B total
| Segment | Share | Revenue | YoY | Q3 FY24 | Q4 FY24 | Q1 FY25 | Q2 FY25 |
|---|---|---|---|---|---|---|---|
| Wealth, Corporate, Commercial and Institutional Banking | 46.3% | $3.48B | — | — | — | — | — |
| Consumer and Business Banking | 30.9% | $2.33B | — | — | — | — | — |
| Payment Services | 22.8% | $1.72B | -25.3% | $2.30B | $7.00B | $2.30B | $2.40B |
By region
Q1 FY13 · $3.46B total
| Segment | Share | Revenue | YoY | Q2 FY12 | Q3 FY12 | Q4 FY12 | Q1 FY13 |
|---|---|---|---|---|---|---|---|
| Segment Two | 56.0% | $1.93B | -5.5% | $2.08B | $2.12B | $2.05B | $1.93B |
| Segment Four | 32.9% | $1.14B | +0.5% | $1.19B | $1.23B | $1.19B | $1.14B |
| Segment Three | 11.2% | $386.0M | +7.5% | $362.0M | $369.0M | $385.0M | $386.0M |
Source: company filings via FMP. YoY compares the same fiscal period a year earlier.