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U.S. Bancorp (USB) Stock Analysis

Range Bound setup

HoldModerate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $56.69, but acceptable to hold if already in. Reason: Analyst target reached - limited upside remaining.

U.S. Bancorp is a Minneapolis-based financial holding company with $522.2 billion in consolidated deposits, operating 2,075 branches across 26 states primarily in the Midwest and West. It earns revenue from lending, payments, wealth management, and capital markets, serving... Read more

$56.69+0.3% A.UpsideScore 5.6/10#93 of 142 Banks - Regional
Stop $54.30Target $56.84(analyst − 10%)A.R:R 0.0:1
Analyst target$63.15+11.4%20 analysts
$56.84our TP
$56.69price
$63.15mean
$73

Hold if already holding. Not a fresh buy at $56.69, but acceptable to hold if already in. Reason: Analyst target reached - limited upside remaining. Chart setup: RSI 52 mid-range, Bollinger mid-band. Maintain position. Not compelling to add more. Score 5.6/10, moderate confidence.

Passes 6/7 gates (positive momentum, clean insider activity, no SEC red flags, news boost analyst 0.40, earnings proximity 75d clear, semi cycle peak clear). Fails on favorable risk/reward ratio. Suitability: moderate.

Thesis

Rewards
Strong earnings beat streak (4/4)
Attractive valuation
Recent Analyst detected in news
Risks
Analyst target reached - limited upside remaining

Key Metrics

P/E (TTM)11.9
P/E (Fwd)10.0
Mkt Cap$88.1B
EV/EBITDA
Profit Mgn29.3%
ROE12.4%
Rev Growth4.6%
Beta1.03
Dividend3.64%
Rating analysts31

Quality Signals

Piotroski F7/9

Options Flow

P/C1.31bearish
IV39%normal
Max Pain$65+14.7% vs spot

Concentration Risks(10-K Item 1A)

  • MEDIUMGeographicMidwest and West regions
    10-K Item 1: 'Banking and investment services are provided through a network of branches and banking offices across the United States, primarily in the Midwest and West regions'

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

10 dimensions · all in-band

GatesA.R:R 0.0 < 1.5@spotMomentum 5.5>=5.5Insider activity: OKNo SEC red flagsNEWS BOOST ANALYST 0.40EARNINGS PROXIMITY 75d clearSEMI CYCLE PEAK CLEARRange BoundSuitability: Moderate
RSI
52 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $52.87Resistance $58.05

Price Targets

$54
$57
A.Upside+0.3%
A.R:R0.0:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! Target reached (0.2% upside)
! Reward/Risk 0.0:1 at current price — below 1.5:1 minimum

Earnings

B
B
B
B
4/4 beats
Next Earnings2026-07-16 (75d)

Verdict History

reverse chrono — latest first
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Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is USB stock a buy right now?

Hold if already holding. Not a fresh buy at $56.69, but acceptable to hold if already in. Reason: Analyst target reached - limited upside remaining. Chart setup: RSI 52 mid-range, Bollinger mid-band. Maintain position. Not compelling to add more. Target $56.84 (+0.3%), stop $54.30 (−4.4%), A.R:R 0.0:1. Score 5.6/10, moderate confidence.

What is the USB stock price target?

Take-profit target: $56.84 (+0.3% upside). Target $56.84 (+0.3%), stop $54.30 (−4.4%), A.R:R 0.0:1. Stop-loss: $54.30.

What are the risks of investing in USB?

Analyst target reached - limited upside remaining.

Is USB overvalued or undervalued?

U.S. Bancorp trades at a P/E of 11.9 (forward 10.0). TrendMatrix value score: 7.1/10. Verdict: Hold.

What do analysts say about USB?

31 analysts cover USB with a consensus score of 3.7/5. Average price target: $63.

What does U.S. Bancorp do?U.S. Bancorp is a Minneapolis-based financial holding company with $522.2 billion in consolidated deposits, operating...

U.S. Bancorp is a Minneapolis-based financial holding company with $522.2 billion in consolidated deposits, operating 2,075 branches across 26 states primarily in the Midwest and West. It earns revenue from lending, payments, wealth management, and capital markets, serving individuals, businesses, and institutional clients domestically.

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