USB Stock Analysis: Buy, Sell, or Hold?
USB - U.S. Bancorp
$62.05
0.27 (0.44%)
▲
5d:
-5.15%
30d:
-2.02%
90d:
+13.73%
WAIT
LOW Confidence
Analysis Updated: Aug 21, 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 Aug 6, 2026 at $63.94 · last confirmed Aug 20, 2026
Strength: 6.5/10
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 MIXED SIGNALS: USB shows conflicting indicators. Wait for confirmation before entering.
📊 MIXED SIGNALS: USB shows conflicting indicators. Wait for confirmation before entering.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$84.73
Based on 7.3% avg growth
INTRINSIC VALUE TODAY
$52.61
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 $62.05, which is considered oversold relative to its 30-day fair value range of $62.74 to $64.62. The stock's valuation (Forward PE: 10.7) is in line with its historical norms (10.3). At these levels, the market is pricing in 1.4% 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 currently testing key support at $61.46. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: USB scores 36/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $70.32 (+13.3%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, USB is in a strong uptrend. The price is currently testing key support at $61.46. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: USB scores 36/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $70.32 (+13.3%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$62.74 -
$64.62
Company Quality Score
48/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
55.7%
Protect Your Profits
Holding USB? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanAll Signals
- BULLISH: Price oversold vs 30-day range
- BEARISH: Weak technical setup (36/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($70.32)
- NEUTRAL: Market pricing in 1.4% annual earnings growth - fairly valued
- WARNING: Composite score 48/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$62.74 -
$64.62
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$61.46
Resistance Level
$66.08
Current Trend
Strong Uptrend
Technical data as of
Aug 21, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.72
Wall Street Target
$70.32
(+13.3%)
Revenue Growth (YoY)
10.4%
Earnings Growth (YoY)
21.6%
Profit Margin
29.9%
Valuation Premium vs History
+1.4% premium
PE vs Historical
10.7 vs 10.3
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.4%
(market-implied from PE analysis)
1-Year Target
$62.92
(+1%)
2-Year Target
$63.80
(+3%)
3-Year Target
$64.69
(+4%)
3-Yr Target (if PE normalizes)
(PE: 11→10)
PE COMPRESSION
$62.18
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.1, Growth: 10.6%)
$157.05
(+153%)
Base:
(SPY PE: 10.7, Growth: 10.6%)
$83.85
(+35%)
Bear:
(PE: 9.1, Growth: 10.6%)
$71.27
(+15%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (13x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 12.53 | Current EPS (TTM): $4.93
Bull Case
$79.82
(+29%)
Analyst growth 17.5%, PE expands to 13.8
Base Case
$72.56
(+17%)
Market implied 17.5%, PE stable at 12.5
Bear Case
$42.01
(-32%)
Severe decline -20.0%, PE contracts to 10.7
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 22, 2026 10:57 PM ET
Data refreshes hourly during market hours. Next update: 11:57 PM
Data refreshes hourly during market hours. Next update: 11:57 PM
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Technical Signals Check
Is USB showing a specific setup today?
Insider Activity (6 Months)
0
Buys
2
Sells
Net
INSIDERS SELLING
Recent Transactions
Jodi L Richard
SELL
40000 shares
2026-04-21
Ro Khanna
SELL
2026-03-10
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Advanced USB Option Strategies
Professional options setups generated by AI based on today's USB price and gamma walls.
