U.S. Bancorp Lending Profit Margin Dented by Consumer Loan Sale -- Market Talk

Dow Jones

2025/07/18

1354 ET - U.S. Bancorp's sale of $5.5 billion in consumer loans in 2Q weighed on lending profit margins and average earning assets, Edward Jones analyst James Shanahan says in a research note. An increase in residential mortgage paydowns also weighed on those assets and margins, the analyst says. Management is guiding for a modest recovery in lending income to start in 3Q, Shanahan says. "We remain focused on action and initiatives to strengthen net interest income, and those efforts are fully reflected in our guidance," CFO John Stern says on a call with analysts. Shares slide 2% to $44.76. (dean.seal@wsj.com)

(END) Dow Jones Newswires

July 17, 2025 13:54 ET (17:54 GMT)

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An increase in residential mortgage paydowns also weighed on those assets and margins, the analyst says. Management is guiding for a modest recovery in lending income to start in 3Q, Shanahan says. \"We remain focused on action and initiatives to strengthen net interest income, and those efforts are fully reflected in our guidance,\" CFO John Stern says on a call with analysts. Shares slide 2% to $44.76. (dean.seal@wsj.com) \n</p>\n<p>\n  (END) Dow Jones Newswires\n</p>\n<p>\n  July 17, 2025 13:54 ET (17:54 GMT)\n</p>\n<p>\n  Copyright (c) 2025 Dow Jones &amp; Company, Inc.\n</p>\n</font>","source":null,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>U.S. Bancorp Lending Profit Margin Dented by Consumer Loan Sale -- Market Talk</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nU.S. Bancorp Lending Profit Margin Dented by Consumer Loan Sale -- Market Talk\n</h2>\n\n<h4 class=\"meta\">\n\n\n<div class=\"head\" \">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/150f88aa4d182df19190059f4a365e99);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">Dow Jones </p>\n<p class=\"h-time\">2025-07-18 01:54</p>\n</div>\n\n</div>\n\n\n</h4>\n\n</header>\n<article>\n<font class=\"NormalMinus1\" face=\"Arial\">\n<p>\n     1354 ET - <a href=\"https://laohu8.com/S/USB\">U.S. Bancorp</a>'s sale of $5.5 billion in consumer loans in 2Q weighed on lending profit margins and average earning assets, Edward Jones analyst James Shanahan says in a research note. An increase in residential mortgage paydowns also weighed on those assets and margins, the analyst says. Management is guiding for a modest recovery in lending income to start in 3Q, Shanahan says. \"We remain focused on action and initiatives to strengthen net interest income, and those efforts are fully reflected in our guidance,\" CFO John Stern says on a call with analysts. Shares slide 2% to $44.76. (dean.seal@wsj.com) \n</p>\n<p>\n  (END) Dow Jones Newswires\n</p>\n<p>\n  July 17, 2025 13:54 ET (17:54 GMT)\n</p>\n<p>\n  Copyright (c) 2025 Dow Jones &amp; Company, Inc.\n</p>\n</font>\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"LU0170899867.USD","symbol_name":"EASTSPRING INVESTMENTS WORLD VALUE EQUITY  \"A\" (USD) ACC","start_time":0,"source_url":"https://dowjonesnews.com/newdjn/logon.aspx?AL=N","article_id":"2552436334","we_media_id":"106","thumbnails":[],"rights":null,"url":"https://stock-news.laohu8.com/highlight/detail?id=2552436334","pubTimestamp":1752774840,"columns":[],"sourceInfo":null,"weMediaInfo":{"media_name":"Dow Jones","introduction":"Dow Jones publishes the world’s most trusted business news and financial information in a variety of media.","home_visible":0,"id":"106","head_image":"https://static.tigerbbs.com/150f88aa4d182df19190059f4a365e99"},"summary":"1354 ET - U.S. Bancorp's sale of $5.5 billion in consumer loans in 2Q weighed on lending profit margins and average earning assets, Edward Jones analyst James Shanahan says in a research note. An increase in residential mortgage paydowns also weighed on those assets and margins, the analyst says. Management is guiding for a modest recovery in lending income to start in 3Q, Shanahan says. \"We remain focused on action and initiatives to strengthen net interest income, and those efforts are fully reflected in our guidance,\" CFO John Stern says on a call with analysts. Shares slide 2% to $44.76. ","collect":0,"end_time":0,"defaultTopTitle":"","property":[],"viewcount":null,"language":"en","relate_stocks":{"LU0170899867.USD":"EASTSPRING INVESTMENTS WORLD VALUE EQUITY  \"A\" (USD) ACC","LU2237438978.USD":"Amundi Funds US Pioneer A2 (C) USD","BK4559":"巴菲特持仓","BK4504":"桥水持仓","BK4207":"综合性银行","USB":"美国合众银行","IE00BFXG1179.USD":"BNY MELLON U.S. EQUITY INCOME \"B\" (USD) INC","BK4588":"碎股","BK4585":"ETF&股票定投概念"},"translate_title":"美国合众银行贷款利润率因消费贷款出售而下降——市场讨论","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"USB":0.9},"content_text":"1354 ET - U.S. Bancorp's sale of $5.5 billion in consumer loans in 2Q weighed on lending profit margins and average earning assets, Edward Jones analyst James Shanahan says in a research note. An increase in residential mortgage paydowns also weighed on those assets and margins, the analyst says. Management is guiding for a modest recovery in lending income to start in 3Q, Shanahan says. \"We remain focused on action and initiatives to strengthen net interest income, and those efforts are fully reflected in our guidance,\" CFO John Stern says on a call with analysts. Shares slide 2% to $44.76. (dean.seal@wsj.com) \n\n\n  (END) Dow Jones Newswires\n\n\n  July 17, 2025 13:54 ET (17:54 GMT)\n\n\n  Copyright (c) 2025 Dow Jones & Company, Inc.","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"-1","news_tag":"","news_rank":0,"symbols":[],"gpt_button":0,"need_auth":true,"code":"91000000","status":"200"}}}