U.S. Bancorp (USB) Stock: Buy, Sell, or Hold?
USB - U.S. Bancorp
$62.84
0.43 (0.69%)
▲
5d:
-1.09%
30d:
-3.35%
90d:
+9.04%
BUY
MODERATE Confidence
Analysis Updated: Sep 11, 2026 12:00 AM ET
Earnings: Oct 15, 2026
Smart Money Accumulation
Options open interest is building while the stock consolidates - a pattern consistent with institutional accumulation. View Scanner →
Signal fired Sep 3, 2026 at $63.58 · last confirmed Sep 9, 2026
Strength: 7.5/10
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: USB shows positive signals but monitor for confirmation. Market pricing in 1.7% annual growth which appears achievable. Moderate conviction.
💡 BUY OPPORTUNITY: USB shows positive signals but monitor for confirmation. Market pricing in 1.7% annual growth which appears achievable. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$84.27
Based on 7.2% avg growth
INTRINSIC VALUE TODAY
$52.33
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 10.3x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: USB is currently trading at $62.84, which is considered fair relative to its 30-day fair value range of $62.14 to $64.44. The stock's valuation (Forward PE: 10.9) is in line with its historical norms (10.3). At these levels, the market is pricing in 1.7% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, USB is in a strong uptrend. The price is approaching resistance at $63.71. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: USB scores 63/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $70.33 (+11.9%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, USB is in a strong uptrend. The price is approaching resistance at $63.71. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: USB scores 63/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $70.33 (+11.9%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$62.14 -
$64.44
Company Quality Score
61/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
81.9%
All Signals
- NEUTRAL: Price in fair range
- BULLISH: Strong technical setup (63/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($70.33)
- NEUTRAL: Market pricing in 1.7% annual earnings growth - fairly valued
- BULLISH: Bottoming setup score 63/100 — corrected, stabilizing, and turning up
Trading Range Analysis
30-Day Trading Range
$62.14 -
$64.44
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$60.80
Resistance Level
$63.71
Current Trend
Strong Uptrend
Technical data as of
Sep 11, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.86
Wall Street Target
$70.33
(+11.9%)
Revenue Growth (YoY)
10.4%
Earnings Growth (YoY)
21.6%
Profit Margin
29.9%
Valuation Premium vs History
+1.7% premium
PE vs Historical
10.9 vs 10.3
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.7%
(market-implied from PE analysis)
1-Year Target
$63.91
(+2%)
2-Year Target
$64.99
(+3%)
3-Year Target
$66.10
(+5%)
3-Yr Target (if PE normalizes)
(PE: 11→10)
PE COMPRESSION
$62.68
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.2, Growth: 10.4%)
$157.07
(+150%)
Base:
(SPY PE: 10.9, Growth: 10.4%)
$84.58
(+35%)
Bear:
(PE: 9.2, Growth: 10.4%)
$71.89
(+14%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (12x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 12.38 | Current EPS (TTM): $5.04
Bull Case
$78.81
(+25%)
Analyst growth 14.8%, PE expands to 13.6
Base Case
$71.64
(+14%)
Market implied 14.8%, PE stable at 12.4
Bear Case
$42.44
(-33%)
Severe decline -20.0%, PE contracts to 10.5
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: September 12, 2026 12:46 AM ET
Data refreshes hourly during market hours. Next update: 1:46 AM
Data refreshes hourly during market hours. Next update: 1:46 AM
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Technical Signals Check
Is USB showing a specific setup today?
Insider Activity (6 Months)
0
Buys
1
Sells
Net
INSIDERS SELLING
Recent Transactions
Jodi L Richard
SELL
40000 shares
2026-04-21
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Advanced USB Option Strategies
Professional options setups generated by AI based on today's USB price and gamma walls.
