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USBU.S. BancorpHold5.7·$56.66-0.26%
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U.S. Bancorp (USB) Stock Analysis

Breakout setup

HoldModerate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $56.66, 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

$56.66+1.2% A.UpsideScore 5.7/10#93 of 142 Banks - Regional
QualityF-score8 / 9FCF yield
IncomeYield3.63%(5y avg 4.21%)Payout43.19%sustainable
Stop $54.20Target $57.20(analyst − 10%)A.R:R 0.2:1
Analyst target$63.55+12.2%19 analysts
$57.20our TP
$56.66price
$63.55mean
$74

Hold if already holding. Not a fresh buy at $56.66, but acceptable to hold if already in. Reason: Analyst target reached - limited upside remaining. Chart setup: Golden cross, above all MAs, RSI 60, MACD bullish. Maintain position. Not compelling to add more. Score 5.7/10, moderate confidence.

Passes 7/8 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 34d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: moderate.

news + 30-day 8-K events · 5-min refresh

Recent developments

updated 2026-06-11
TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Thu, Jul 16, 202634d to earnings· next earnings call

Thesis

Rewards
Sector modifier (Financial Services): +1.0
Strong earnings beat streak (4/4)
Attractive valuation
Risks
Analyst target reached - limited upside remaining

Key Metrics

P/E (TTM)11.9
P/E (Fwd)10.1
Mkt Cap$88.5B
EV/EBITDA
Profit Mgn29.3%
ROE12.4%
Rev Growth4.6%
Beta1.00
Dividend3.63%
Rating analysts26

Quality Signals

Piotroski F8/9

Options Flow

P/C0.75neutral
IV44%normal
Max Pain$70+23.5% 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.

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About TrendMatrix. TrendMatrix is a publisher of general securities research and market commentary. We publish on a regular schedule. All content is the same for every subscriber in a tier — we do not provide personalized investment advice and we do not take into account any individual subscriber's financial situation, investment objectives, risk tolerance, tax situation, or holdings.

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Performance. Past performance is not indicative of future results. Performance figures reflect the published model only and do not reflect any individual subscriber's actual results.

Methodology · Editorial policy & full disclaimer

Rating Breakdown

1 floor-breaker

Technicals below the gate floor. Component breakdown shows what dragged the score down.static

Bollinger
0.8
Support Resistance
2.1
52w Position
8.7
GatesA.R:R 0.2 < 1.5@spotMomentum 6.9>=5.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 34d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARBreakoutSuitability: Moderate
RSI
60 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $52.33Resistance $57.65

Price Targets

$54
$57
A.Upside+1.0%
A.R:R0.2:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeRisk-Off

Risk Alerts

! Target reached (1.2% upside)
! asymmetry at 0.2 (below the engine's 1.5 threshold)@spot

Earnings

B
B
B
B
4/4 beats
Next Earnings2026-07-16 (34d)

Verdict History

reverse chrono — latest first
Loading history...
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 $56.66, but acceptable to hold if already in. Reason: Analyst target reached - limited upside remaining. Chart setup: Golden cross, above all MAs, RSI 60, MACD bullish. Maintain position. Not compelling to add more. Target $57.20 (+1.0%), stop $54.20 (−4.5%), A.R:R 0.2:1. Score 5.7/10, moderate confidence.

What is the USB stock price target?

Take-profit target: $57.20 (+1.2% upside). Target $57.20 (+1.0%), stop $54.20 (−4.5%), A.R:R 0.2:1. Stop-loss: $54.20.

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 10.1). TrendMatrix value score: 7.1/10. Verdict: Hold.

What do analysts say about USB?

26 analysts cover USB with a consensus score of 3.7/5. Average price target: $64.

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.

Related stocks: SSB (SouthState Bank Corporation) · NU (Nu Holdings Ltd.) · ONB (Old National Bancorp) · PNFP (Pinnacle Financial Partners, In) · CFG (Citizens Financial Group, Inc.)
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