For the quarter ended September 2026, U.S. Bancorp (USB Quick QuoteUSB - Free Report) reported revenue of $7.97 billion, up 8.8% over the same period last year. EPS came in at $1.34, compared to $1.22 in the year-ago quarter.

The reported revenue represents a surprise of -0.46% over the Zacks Consensus Estimate of $8.01 billion. With the consensus EPS estimate being $1.32, the EPS surprise was +1.52%.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

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): 2.8% versus 2.8% estimated by six analysts on average.
• Net charge-off ratio: 0.5% versus 0.6% estimated by six analysts on average.
• Average Balances - Earning assets: $630.78 billion compared to the $635.84 billion average estimate based on five analysts.
• Efficiency Ratio: 55.9% versus the five-analyst average estimate of 56.5%.
• Book value per common share: $38.27 compared to the $39.43 average estimate based on five analysts.
• Total nonperforming loans: $1.28 billion versus the four-analyst average estimate of $1.46 billion.
• Total nonperforming assets: $1.32 billion compared to the $1.52 billion average estimate based on four analysts.
• Leverage ratio: 9% compared to the 9% average estimate based on three analysts.
• Tier 1 Capital Ratio: 12.3% versus 12.3% estimated by three analysts on average.
• Total risk-based capital ratio: 14.3% compared to the 14.4% average estimate based on two analysts.
• Net interest income (taxable-equivalent basis): $4.49 billion versus the six-analyst average estimate of $4.51 billion.
• Total Noninterest Income: $3.48 billion compared to the $3.51 billion average estimate based on six analysts.

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

Shares of U.S. Bancorp have returned -5.8% over the past month versus the Zacks S&P 500 composite's +1.4% 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.