secwatch.observer — SEC 8-K summary
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Issuer:     US BANCORP DE (USB)
CIK:        0000036104
Form:       8-K
Filed at:   2026-01-20T23:59:59+00:00
Accession:  0000036104-26-000005
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

U.S. Bancorp Q4 2025 record net revenue $7.365B, net income $2.045B up 23% YoY, EPS $1.26
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- Record net revenue of $7,365M in Q4 2025; net income $2,045M up 23.0% YoY.
- Diluted EPS $1.26, up 18% YoY as adjusted; full year 2025 diluted EPS $4.62.
- Net interest margin 2.77%, up 6 bps YoY; efficiency ratio 57.4% improved from 61.5%.
- CET1 capital ratio 10.8% at Dec 31, 2025; return on tangible common equity 18.4%.
- Positive operating leverage of 440 bps as adjusted; record full year net revenue $28,656M.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/36104/000003610426000005/0000036104-26-000005-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/36104/000003610426000005/usb-20260120.htm
  HTML page:      https://secwatch.observer/filing/0000036104-26-000005

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