U.S. Bancorp (USB)
NYSEFinancialsBanks - RegionalSnapshot 2026-07-07
$62.90+0.11%
Close 2026-07-07 · 1-day change
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Track USB free→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 deceleration. 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.
The reason to own it still holds.
View ThesisRevenue is growing steadily — about 5% over the past year.
View GrowthMiddle-of-the-pack management execution.
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 RiskMostly healthy — no soft spokes
U.S. Bancorp's growth strategy hinges on maintaining strong revenue growth, supported by recent positive developments such as a dividend hike and the acquisition of BTIG. Revenue grew 4.7% year over year, and the latest earnings beat expectations with an EPS surprise of 3.5%. The stock trades at 1.5× price-to-book, below the peer median of 2.1×, indicating that the price reflects less growth than forecasted. A specific risk to this thesis is the potential for USB to cut guidance on the next call, which our model puts at a 16% probability of a miss. Peer multiples imply a price about 6% above where it trades; this read is provisional.
Trailing returns as of 2026-07-07. USB is total return (includes dividends); the S&P 500 benchmark is price return (the index excludes dividends).
Based on 22 analysts currently covering USB (as of Jul 2026).
Based on 7 Wall Street analysts offering 12-month price targets for USB in the last 4 months.
A consensus fair price across 14 valuation methods, at three horizons. Current price $62.90. As of 2026-07-08. 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.
Advances: Maintain Strong Revenue Growth
Dividend increase signals strong revenue growth and financial health.
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 2026-07-07. EPS is implied from price ÷ P/E. Not investment advice.
Current $62.90
The last 12 months of price, then the range of analyst 12-month targets from today’s $62.90.
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: Maintain Strong Revenue Growth
Dividend hike supports strong revenue growth objective.
New product aligns with growth strategy in niche markets.
Acquisition of BTIG supports growth strategy.
Integration with NCR supports growth initiatives.