U.S. Bancorp (USB) Q4 2025 Earnings Call January 20, 2026 9:00 AM EST
Company Participants
George Andersen – Senior VP & Director of Investor Relations
Gunjan Kedia – President, CEO & Director
John Stern – Vice Chair & Chief Financial Officer
Conference Call Participants
Robert Siefers – Piper Sandler & Co., Research Division
John Pancari – Evercore ISI Institutional Equities, Research Division
John McDonald – Truist Securities, Inc., Research Division
Ebrahim Poonawala – BofA Securities, Research Division
Michael Mayo – Wells Fargo Securities, LLC, Research Division
L. Erika Penala – UBS Investment Bank, Research Division
Kenneth Usdin – Bernstein Autonomous LLP
Gerard Cassidy – RBC Capital Markets, Research Division
Betsy Graseck – Morgan Stanley, Research Division
Saul Martinez – HSBC Global Investment Research
Steven Chubak – Wolfe Research, LLC
Matthew O’Connor – Deutsche Bank AG, Research Division
Christopher McGratty – Keefe, Bruyette, & Woods, Inc., Research Division
Presentation
Operator
Welcome to the U.S. Bancorp Fourth Quarter 2025 Earnings Conference Call. Following a review of the results, there will be a formal question-and-answer session. [Operator Instructions] This call will be recorded and available for replay beginning today at approximately 11:00 a.m. Central Time. I will now turn the conference over to George Andersen, Director of Investor Relations for U.S. Bancorp.
George Andersen
Senior VP & Director of Investor Relations
Thank you, Julianne, and good morning, everyone. In our boardroom today, I’m joined by our Chief Executive Officer, Gunjan Kedia, and Vice Chair and CFO, John Stern. In a moment, Gunjan and John will be referencing a slide presentation together with their prepared remarks.
A copy of the presentation, our press release and supplemental analyst schedules can be found on our website at ir.usbank.com. Please note that any forward-looking statements made during today’s call are subject to risks and uncertainty. Factors that could materially change our current forward-looking assumptions are described on Page 2 of today’s earnings
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