U.S. Bancorp (USB) Stock: Buy, Sell, or Hold?
$60.70
-0.05 (-0.08%)
▼
5d:
-0.54%
30d:
+6.7%
90d:
-6.86%
Open in Live Scanner
70/30 Portfolio Builder
Earnings: Jan 19, 2027
Protect USB Gains
Updated Nov 11, 12:00 AM ET
QUANTITATIVE VERDICT
HOLD
MODERATE Confidence (50%)
Quality Score
56/100
Position
EXTENDED
30-Day Fair Range
$57.40 – $60.40
Position: EXTENDED
Forward P/E & Valuation
10.4x
FAIR
vs 10.3x historical avg
Wall Street Target
$68.80
+13.3% upside
Options IV & Volume
HIGH Vol
HIGH volume confirmation
Support / Resistance
$58.99 / $62.56
Trend: Uptrend
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
📊 HOLD: USB is fairly valued with market pricing in 0.2% annual growth. Fine to hold or accumulate slowly on dips.
Smart Money Accumulation
Options open interest is building while the stock consolidates - a pattern consistent with institutional accumulation. View Scanner →
Signal fired Oct 30, 2026 at $59.45 · last confirmed Nov 9, 2026
Strength: 4.6/10
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Interactive Price Chart (1 Month)
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Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$85.91
Based on 7.4% avg growth
INTRINSIC VALUE TODAY
$53.35
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 $60.70, which is considered extended relative to its 30-day fair value range of $57.40 to $60.40. The stock's valuation (Forward PE: 10.4) is in line with its historical norms (10.3). At these levels, the market is pricing in 0.2% 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 uptrend. The price is currently testing key support at $58.99. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 45/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $68.80 (+13.3%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, USB is in a uptrend. The price is currently testing key support at $58.99. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 45/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $68.80 (+13.3%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$57.40 -
$60.40
Company Quality Score
56/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
49.5%
Trading Range & Key Levels
30-Day Trading Range
$57.40 -
$60.40
Current vs Trading Range
EXTENDED
Support Level
$58.99
Resistance Level
$62.56
Current Trend
Uptrend
Technical data as of
Nov 11, 2026
Protect Your Profits
Holding USB? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanQuantitative Signal Breakdown
- BEARISH: Price extended above range
- NEUTRAL: Mixed technical signals (45/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($68.80)
- NEUTRAL: Market pricing in 0.2% annual earnings growth - fairly valued
- NEUTRAL: Bottoming setup forming (45/100) — watch for confirmation
Fundamental Context
Forward P/E (Next Year Est.)
10.36
Wall Street Target
$68.80
(+13.3%)
Revenue Growth (YoY)
8.4%
Earnings Growth (YoY)
10.2%
Profit Margin
30.0%
Valuation Premium vs History
+0.2% premium
PE vs Historical
10.4 vs 10.3
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+0.2%
(market-implied from PE analysis)
1-Year Target
$60.82
(+0%)
2-Year Target
$60.94
(+0%)
3-Year Target
$61.06
(+1%)
3-Yr Target (if PE normalizes)
(PE: 10→10)
PE COMPRESSION
$60.70
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 10.7%)
$157.74
(+160%)
Base:
(SPY PE: 10.4, Growth: 10.7%)
$82.30
(+36%)
Bear:
(PE: 8.8, Growth: 10.7%)
$69.96
(+15%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (12x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 11.82 | Current EPS (TTM): $5.14
Bull Case
$76.16
(+26%)
Analyst growth 14.0%, PE expands to 13.0
Base Case
$69.24
(+14%)
Market implied 14.0%, PE stable at 11.8
Bear Case
$41.31
(-32%)
Severe decline -20.0%, PE contracts to 10.1
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
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bloggers & journalists: you are free to use our charts with attribution.Reddit & Retail Trader Sentiment (USB)
Bearish
3 Retail Mentions
Reddit / WSB Comments
2
Bearish
StockTwits Volume
1 msgs
24h retail stream
Last Tracked
Nov 8, 2026
Daily AI digest
AI Retail Discussion Summary:
StockTwits shows a bullish sentiment towards $USB with a strong two-day price recovery and increased trading volume. No recent news articles are available.
Key Retail Themes:
price recovery
increased trading volume
Aggregated from r/wallstreetbets, r/stocks & StockTwits streams.
View All Trending Reddit & WSB Stocks →
Last updated: November 11, 2026 8:32 PM ET
Data refreshes hourly during market hours. Next update: 9:32 PM
Data refreshes hourly during market hours. Next update: 9:32 PM
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Technical Signals Check
Is USB showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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