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U.S. Bancorp (USB) reported $6.96 billion in revenue for the quarter ended March 2025, representing a year-over-year increase of 4.1%. EPS of $1.03 for the same period compares to $0.90 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $6.92 billion, representing a surprise of +0.60%. The company delivered an EPS surprise of +4.04%, with the consensus EPS estimate being $0.99.

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 interest margin (taxable-equivalent basis): 2.7% versus 2.7% estimated by six analysts on average.
• Net charge-off ratio: 0.6% compared to the 0.6% average estimate based on six analysts.
• Efficiency Ratio: 60.8% versus the five-analyst average estimate of 60.9%.
• Average Balances - Total earning assets: $610.23 billion compared to the $614.98 billion average estimate based on five analysts.
• Book value per common share: $34.16 versus the five-analyst average estimate of $33.87.
• Total nonperforming loans: $1.69 billion versus the four-analyst average estimate of $1.84 billion.
• Total nonperforming assets: $1.73 billion versus $1.87 billion estimated by four analysts on average.
• Leverage ratio: 8.4% versus 8.4% estimated by three analysts on average.
• Tier 1 Capital Ratio: 12.4% versus 12.5% estimated by two analysts on average.
• Total Noninterest Income: $2.84 billion compared to the $2.80 billion average estimate based on six analysts.
• Net interest income (taxable-equivalent basis): $4.12 billion versus $4.13 billion estimated by six analysts on average.
• Mortgage banking revenue: $173 million compared to the $144.60 million average estimate based on five analysts.

View all Key Company Metrics for U.S. Bancorp here>>>

Shares of U.S. Bancorp have returned -8.6% over the past month versus the Zacks S&P 500 composite's -4.2% 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.

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This article originally published on Zacks Investment Research (zacks.com).

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