U.S. Bancorp (USB) Stock: Buy, Sell, or Hold?
USB - U.S. Bancorp
$60.02
0.97 (1.64%)
▲
5d:
+4.58%
30d:
+2.63%
90d:
-6.17%
BUY
MODERATE Confidence
Analysis Updated: Oct 22, 2026 12:00 AM ET
Earnings: Jan 19, 2027
Smart Money Distribution
Options positioning is turning defensive after a sharp run-up - a pattern consistent with institutional profit-taking. View Scanner →
Signal fired Oct 21, 2026 at $59.92 · last confirmed Oct 21, 2026
Strength: 6.6/10
Get Alerted When USB Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Bottom Line:
💡 BUY OPPORTUNITY: USB shows positive signals but monitor for confirmation. Market pricing in 0.0% annual growth which appears achievable. Moderate conviction.
💡 BUY OPPORTUNITY: USB shows positive signals but monitor for confirmation. Market pricing in 0.0% 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
$85.09
Based on 7.2% avg growth
INTRINSIC VALUE TODAY
$52.84
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 $60.02, which is considered slightly high relative to its 30-day fair value range of $56.97 to $60.14. The stock's valuation (Forward PE: 10.3) is in line with its historical norms (10.3). At these levels, the market is pricing in -0.0% 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 approaching resistance at $60.03. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: USB scores 67/100 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 $68.45 (+14.1%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, USB is in a uptrend. The price is approaching resistance at $60.03. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: USB scores 67/100 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 $68.45 (+14.1%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Historical Trading Range
$56.97 -
$60.14
Company Quality Score
59/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
74.8%
All Signals
- BULLISH: Strong technical setup (67/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($68.45)
- NEUTRAL: Market pricing in -0.0% annual earnings growth - fairly valued
- BULLISH: Bottoming setup score 67/100 — corrected, stabilizing, and turning up
Trading Range Analysis
30-Day Trading Range
$56.97 -
$60.14
Current vs Trading Range
SLIGHTLY HIGH
Support & Resistance Levels
Support Level
$55.70
Resistance Level
$60.03
Current Trend
Uptrend
Technical data as of
Oct 22, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.30
Wall Street Target
$68.45
(+14.1%)
Revenue Growth (YoY)
8.4%
Earnings Growth (YoY)
10.2%
Profit Margin
30.0%
PE vs Historical
10.3 vs 10.3
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
0%
(market-implied from PE analysis)
1-Year Target
$60.02
(0%)
2-Year Target
$60.02
(0%)
3-Year Target
$60.02
(0%)
3-Yr Target (if PE normalizes)
(PE: 10→10)
$60.04
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 10.5%)
$156.08
(+160%)
Base:
(SPY PE: 10.3, Growth: 10.5%)
$80.93
(+35%)
Bear:
(PE: 8.8, Growth: 10.5%)
$68.79
(+15%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (11x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 11.49 | Current EPS (TTM): $5.14
Bull Case
$73.66
(+23%)
Analyst growth 13.4%, PE expands to 12.6
Base Case
$66.96
(+12%)
Market implied 13.4%, PE stable at 11.5
Bear Case
$40.15
(-33%)
Severe decline -20.0%, PE contracts to 9.8
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: October 22, 2026 7:31 PM ET
Data refreshes hourly during market hours. Next update: 8:31 PM
Data refreshes hourly during market hours. Next update: 8:31 PM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is USB showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
Top Rated Banks - Regional Stocks
Top-rated stocks in Banks - Regional by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
FITB
Fifth Third Bancorp |
STRONG BUY
22 analysts |
$62 | 67 BUY |
|
PNC
PNC Financial Services G… |
BUY
23 analysts |
$266 | 68 BUY |
|
NU
Nu Holdings Ltd |
STRONG BUY
22 analysts |
$19 | 48 HOLD |
|
EWBC
East West Bancorp Inc |
STRONG BUY
16 analysts |
$148 | 59 HOLD |
|
TFC
Truist Financial Corp |
HOLD
22 analysts |
$54 | 71 BUY |
Advanced USB Option Strategies
Professional options setups generated by AI based on today's USB price and gamma walls.
