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AI brief of an SEC Form 8-K · U.S. Bancorp (USB)

U.S. Bancorp second-quarter net income rises 13.2% to $1.8 billion

Positive Impact 3 of 5 earnings Written later

U.S. Bancorp reported second-quarter 2025 net income attributable to the company of $1,815 million, up 13.2% from a year earlier, and diluted earnings per share of $1.11, compared with $0.97 in the second quarter of 2024. Total net revenue rose 2.0% year over year to $7,004 million, and the filing gives no separate earnings guidance, so the results are the main new information for shareholders.

Key points

  • Net income attributable to U.S. Bancorp was $1,815 million, up from $1,603 million a year earlier and $1,709 million in the first quarter of 2025.
  • Diluted earnings per common share were $1.11, compared with $0.97 in the second quarter of 2024 and $1.03 in the first quarter of 2025.
  • Total net revenue was $7,004 million, up 2.0% year over year, while noninterest expense fell 1.2% from the first quarter to $4,181 million.
  • Net interest margin was 2.66%, down from 2.67% a year earlier and 2.72% in the first quarter; the CET1 capital ratio was 10.7% at June 30, 2025.

The filing

CompanyU.S. Bancorp (USB)
Form8-K, current report
Filed with the SECJul 17, 2025, 6:49 AM ET
Accession number0000036104-25-000044

Items reported: 2.02 Results of Operations7.01 Regulation FD Disclosure

Read the filing on SEC.gov ↗

Written by AI on Nov 8, 2026, 1:21 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on July 17, 2025.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.