USB Stock Analysis: Buy, Sell, or Hold?
USB - U.S. Bancorp
$63.01
0.11 (0.17%)
▲
5d:
-1.5%
30d:
+1.69%
90d:
+11.21%
BUY
MODERATE Confidence
Analysis Updated: Jul 31, 2026 12:00 AM ET
Earnings: Oct 15, 2026
Smart Money Accumulation
None View Scanner →
Strength: 4.8/10
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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 2.1% annual growth which appears achievable. Moderate conviction.
💡 BUY OPPORTUNITY: USB shows positive signals but monitor for confirmation. Market pricing in 2.1% 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
$83.42
Based on 7.2% avg growth
INTRINSIC VALUE TODAY
$51.79
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 10.2x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: USB is currently trading at $63.01, which is considered fair relative to its 30-day fair value range of $60.93 to $63.71. The stock's valuation (Forward PE: 10.9) is in line with its historical norms (10.2). At these levels, the market is pricing in 2.1% 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 $62.34. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $70.32 (+11.6%). 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 currently testing key support at $62.34. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $70.32 (+11.6%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$60.93 -
$63.71
Company Quality Score
50/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
71.0%
All Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Mixed technical signals (55/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($70.32)
- NEUTRAL: Market pricing in 2.1% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$60.93 -
$63.71
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$62.34
Resistance Level
$64.67
Current Trend
Strong Uptrend
Technical data as of
Jul 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.90
Wall Street Target
$70.32
(+11.6%)
Revenue Growth (YoY)
10.4%
Earnings Growth (YoY)
21.6%
Profit Margin
29.9%
Valuation Premium vs History
+2.1% premium
PE vs Historical
10.9 vs 10.2
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+2.1%
(market-implied from PE analysis)
1-Year Target
$64.33
(+2%)
2-Year Target
$65.68
(+4%)
3-Year Target
$67.06
(+6%)
3-Yr Target (if PE normalizes)
(PE: 11→10)
PE COMPRESSION
$62.78
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.7, Growth: 10.4%)
$161.42
(+156%)
Base:
(SPY PE: 10.9, Growth: 10.4%)
$84.84
(+35%)
Bear:
(PE: 9.3, Growth: 10.4%)
$72.11
(+14%)
📈
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): $5.02
Bull Case
$79.71
(+27%)
Analyst growth 15.2%, PE expands to 13.8
Base Case
$72.46
(+15%)
Market implied 15.2%, PE stable at 12.5
Bear Case
$42.77
(-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 02, 2026 5:33 PM ET
Data refreshes hourly during market hours. Next update: 6:33 PM
Data refreshes hourly during market hours. Next update: 6:33 PM
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Technical Signals Check
Is USB showing a specific setup today?
Insider Activity (6 Months)
0
Buys
3
Sells
Net
INSIDERS SELLING
Recent Transactions
Jodi L Richard
SELL
40000 shares
2026-04-21
Ro Khanna
SELL
2026-03-10
Mark G Runkel
SELL
32195 shares
2026-02-06
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