[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]

![ClearSightAI Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::1841007795572711424.png) ClearSight AI [@ClearSightAI](/creator/twitter/ClearSightAI) on x XXX followers
Created: 2025-07-17 12:25:59 UTC

$USB Q2 FY2025 Earnings: EPS Beat Despite Modest Revenue Miss 💰
U.S. Bancorp reported solid EPS growth and strong capital levels, though revenue came in slightly below estimates:
✅ Adjusted & GAAP EPS: $XXXX (vs. $XXXX est.)
❌ Revenue: $7.00B (vs. $7.05B est.)

Highlights 🔍
• Net income +13.2% YoY
• ROE (tangible): XXXX% | ROA: XXXX% | Efficiency ratio: XXXX%
• Operating leverage +250 bps YoY
• Loans +1.0% YoY | CET1 capital: XXXX%
• Fee income: XX% of revenue, led by payments & treasury management
• Elavon ranked #5 U.S. merchant acquirer
Innovation & Growth 💡
• Completed first blockchain trade finance deal via WaveBL
• Launched digital-first card platform with Fiserv
• Expanded embedded payments solutions

Challenges ⚠️
• Net interest margin slipped to XXXX%
• Deposits down XXX% YoY; noninterest-bearing down XXX%
• Higher delinquencies in CRE & mortgages

Capital Return 💸
• Quarterly dividend: $0.50/share
• $5B share repurchase program authorized
#Earnings #Banking #Fintech $USB


XX engagements

![Engagements Line Chart](https://lunarcrush.com/gi/w:600/p:tweet::1945822288160469168/c:line.svg)

**Related Topics**
[roa](/topic/roa)
[$705b](/topic/$705b)
[$700b](/topic/$700b)
[eps](/topic/eps)
[coins ai](/topic/coins-ai)
[$usb](/topic/$usb)
[stocks financial services](/topic/stocks-financial-services)
[stocks banks](/topic/stocks-banks)

[Post Link](https://x.com/ClearSightAI/status/1945822288160469168)