USB · NYSE · STOCK
U.S. Bancorp (USB) Stock Analysis
$57.07
52W $45.02 – $66.08
68/100
$88.92B
11.4
1.02
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Is USB Bullish or Bearish?
Bullish.
Innellis AI committee rates U.S. Bancorp (USB) Buy with a composite score of 68/100
, based on 5 analysts with 80% agreement.
Last updated October 10, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +7.30 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -12.70 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Growth Analyst sees a compelling case — revenue growing 84.1% yoy -- genuine top-line momentum. Portfolio Manager remains cautious — sector concentration is already high (hhi 2796.97). This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- P/E of 10.8 is inexpensive for the broad market — Value
- Price-to-book of 1.3x is a discount to asset value — Value
- Dividend yield of 5.2% pays you to wait — Value
- Revenue growing 84.1% YoY -- genuine top-line momentum — Growth
- 5 consecutive earnings beats -- consistent execution — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
Bear Case
- MACD histogram negative -- bearish momentum — Technical
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of October 10, 2026
Overall Committee Score
68/100
Agreement
80%
Analysts
5
Conviction
High
Sector Rank
Top 13%
of 211 Financial Services peers
Value Analyst
bullish
80
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 10.8 is inexpensive for the broad market
Growth Analyst
bullish
83
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 84.1% YoY -- genuine top-line momentum
Technical Analyst
neutral
48
/ 100 · High confidence
Mixed or range-bound price action
− MACD histogram negative -- bearish momentum
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
bullish
62
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
Portfolio Manager
bearish
30
/ 100 · Moderate confidence
The existing book itself argues for caution here, independent of how good this specific stock looks
− Sector concentration is already high (HHI 2796.97)
Investment Thesis Evolution
Committee score moved marginally from 68.1 to 67.7.
- Bullish support removed: 2 signal(s) disappeared.
- New bullish signals: 1 appeared.
Analyst-level changes:
- Value Analyst: +1 bullish signal(s).
Comparing 2026-10-09 to 2026-10-10 (1 day apart).
Technical Analysis
RSI (14)
35.5
Neutral
MACD Histogram
-0.088
Bearish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Mixed
Support
$52.33
Resistance
$58.04
Bollinger %B
0.26
Inside Bands
Price vs Moving Averages
EMA 9
$57.44
Below
EMA 21
$58.71
Below
EMA 50
$60.13
Below
EMA 200
$57.51
Below
Fundamental Analysis
Valuation
100
Growth
88
Profitability
66
Financial Health
68
Cash Flow
70
Valuation
P/E Ratio
11.4×
P/B Ratio
1.32×
PEG Ratio
0.57
Dividend Yield
3.68%
52W High
$66.08
52W Low
$45.02
Quality & Growth
ROE
1162.1%
ROA
109.4%
Gross Margin
6378.3%
Operating Margin
2394.9%
Revenue Growth YoY
—
Debt / Equity
1.42
AI Fundamental Assessment
P/E ratio of 11.4 (inexpensive relative to a 15-40x range); Price-to-book of 1.3x; PEG ratio of 0.6 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 11.6%; Return on assets of 1.1%; Net margin of 18.7%; Gross margin of 63.8%; Current ratio of 1.78 (healthy short-term liquidity); Debt-to-equity of 1.42; Free cash flow per share is positive (7.97); Most recent quarter beat estimates by 4.7%; 5 consecutive earnings beats; EPS growth accelerating (-6.3% -> +14.4% QoQ); Average YoY EPS growth of 21.6%; Analyst estimates rising over recent quarters
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