U.S. Bancorp (NYSE:USB) stock fell on Tuesday after the lender reported fourth-quarter 2025 results.
The company reported fourth-quarter adjusted earnings per share of $1.26, beating the analyst consensus estimate of $1.19. Quarterly sales of $7.337 billion outpaced the Street view of $7.308 billion.
The company’s provision for credit losses for the fourth quarter was $577 million, compared with $571 million in the third quarter of 2025 and $560 million in the fourth quarter of 2024.
The fourth quarter provision was $6 million (1.1%) higher than the third quarter of 2025 and $17 million (3%) higher than the fourth quarter of 2024.
The increase in provision expense year over year was primarily driven by loan portfolio growth, partially offset by lower net charge-offs.
Other Metrics
Net income rose 23.0% year over year to …