U.S. Bancorp (USB)
NYSEFinancialsBanks - DiversifiedSnapshot 2026-09-04
$63.37-0.25%
Close 2026-09-04 · 1-day change
NYSEFinancialsBanks - DiversifiedSnapshot 2026-09-04
Research Workspace
Put USB beside peers and holdings, graph the same metric, and keep your notes with the evidence.
Daily closes. Earnings/event dots are placed inline.
Industries move in repeating boom-and-bust cycles. This shows where this stock’s industry sits in that cycle, stage by stage (recovery → expansion → supercycle → steady → deceleration → contraction), from its fundamentals (orders, revenue, capital spending), not the stock’s price.
A booming industry is a tailwind for the names in it; a contracting one is a headwind. Companies in the same industry tend to rise and fall together with the cycle, the way a tide lifts and lowers every boat in the harbor at once, so a large part of a stock’s swing can come from where its industry sits rather than from the company itself. It’s context for reading the company’s results, not a buy/sell call. Full explanation →
Financials is in steady. Describes the industry's cycle state, not a call on this stock.
The stage band shows the industry’s cycle over the chart’s timeline (each color a stage); a ▼ marks a quarter its growth inflected down — amber is an unconfirmed watch, red is confirmed the next quarter. Use “Overlay cycle on chart” to tint the price chart by stage. The industry’s fundamentals, not a signal on this stock.
Primary pillar under pressure — Deliver EPS near $5.1 in FY26: EPS $2.53 YTD vs $5.1 target; Q2 beat by 5.5%.
View ThesisRevenue is growing steadily — about 7% over the past year.
View GrowthMiddle-of-the-pack quality for its industry.
View QualityManagement screens strong on capital allocation, earnings delivery, the balance sheet, market reaction to earnings.
View ManagementExpectations look reasonable — what the market is pricing in sits in line with or below what analysts forecast.
View ValuationRelatively steady — typically moves about 1% a day.
View RiskU.S. Bancorp's expansion into new states is crucial for driving sustainable earnings growth. Revenue grew 10% year over year, and the latest quarter beat expectations by 5.5%. It trades at 1.5× price-to-book, compared to a peer median of 1.3×. This suggests the price reflects less growth than anticipated. A specific risk is the 16% probability of missing earnings expectations in the next quarter. Peer multiples imply a price roughly in line with where it trades. Our read is provisional.
Trailing returns as of 2026-09-04. USB is total return (includes dividends); the S&P 500 benchmark is price return (the index excludes dividends).
Based on 23 analysts currently covering USB (as of Sep 2026).
Based on 14 Wall Street analysts offering 12-month price targets for USB in the last 4 months.
Continue this research
Compare USB with peers and holdings, graph the same reported metric, keep your questions beside the evidence, and return when the facts change.
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| Compare | Company | Living FV | P/E | Revenue % | Quality |
|---|---|---|---|---|---|
| USB Selected company | Graph | Compare | Trend | Review | |
| Peer Add a competitor | Graph | Compare | Trend | Review | |
| Holding Compare a holding | Graph | Compare | Trend | Review |
Selected metric trend
Quarterly · checked companies · value or % of revenue
A consensus fair price across 12 valuation methods, at three horizons. As of 2026-09-04. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
A price-focused, side-by-side fair-value read versus Financials (broad) — fair value, gap to price, and forward P/E.
Compare the value case
Put USB next to peers and holdings, compare Living FV and multiples, then graph the driver behind the difference.
Advances: Grow loan and deposit balances focusing on commercial and credit card segments
Expansion into new states supports loan and deposit growth.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
End-of-day figures as of 2026-09-04. EPS is implied from price ÷ P/E. Not investment advice.
Current $63.37
The last 12 months of price, then the range of analyst 12-month targets from today’s $63.37.
Analyst ratings and price targets are third-party Wall Street estimates, not QuarterlyIQ’s view. Not investment advice.
A long-thesis check that carries the widest uncertainty of the three horizons.
Below average on quality vs scored peers
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
Advances: Grow loan and deposit balances focusing on commercial and credit card segments
Expansion aligns with growth in loan and deposit balances.
Advances: Deliver sustainable earnings growth and positive operating leverage
Expansion supports sustainable earnings growth and operating leverage.
Advances: Expand capital markets capabilities via BTIG acquisition
New hire supports capital markets expansion objective.
Advances: Increase fee revenue through diversified payment and capital markets services
Increased cash back enhances fee revenue potential.
Advances: Grow loan and deposit balances with focus on commercial and credit card segments
Lending surge supports growth in loan balances.
Advances: Increase fee revenue through diversified payment and capital markets services
Fee boost enhances revenue diversification efforts.
Advances: Grow loan and deposit balances with focus on commercial and credit card segments
Lending surge supports growth in loan balances.
