U.S. Bancorp (USB)
NYSEFinancialsBanks - RegionalSnapshot 2026-10-29
$59.45-1.96%
Close 2026-10-30 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-10-29
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: Diluted EPS: $1.35 per share.
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 RiskUSB's thesis rests on sustaining revenue growth and positive operating leverage, despite fragile cash backing. Revenue growth slowed to 5.6% in Q3 FY2026 from 10.1% in Q2, although EPS beat estimates. Management raised full-year revenue growth guidance to 8%-9% from 5%-7%. USB trades at 1.4× P/B versus the 1.3× peer median; expectations look modest versus our view. Fragile cash backing and pressure on the FY26 EPS pillar near $5.1 threaten the thesis. Our model puts the next-quarter miss probability at 15%. Peer multiples imply a price roughly in line with where it trades (about fair); the thesis is on watch. This read is provisional.
Trailing returns as of 2026-10-30. USB is total return (includes dividends); the S&P 500 benchmark is price return (the index excludes dividends).
Based on 25 analysts currently covering USB (as of Oct 2026).
Based on 15 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 10 valuation methods, at three horizons. As of 2026-10-30. 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: Deliver sustainable growth and positive operating leverage
Reported stellar Q3 and stronger credit demand support growth, though an upgrade headline alone is not decisive.
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 2026-10-30. EPS is implied from price ÷ P/E. Not investment advice.
Current $59.45
The last 12 months of price, then the range of analyst 12-month targets from today’s $59.45.
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.
Above average on quality vs scored peers
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
Advances: Deliver sustainable earnings growth and positive operating leverage
Projected net interest income and revenue growth support sustainable earnings growth, subject to execution.
Advances: Deliver sustainable earnings growth and positive operating leverage
Earnings beat supports sustainable growth objective.
Advances: Deliver sustainable earnings growth and positive operating leverage
Earnings beat aligns with growth strategy.
Advances: Increase fee revenue through diversified payment and capital markets services
New partnership enhances fee revenue through diversified services.
Advances: Grow loan and deposit balances focusing on commercial and credit card segments
New credit cards support growth in commercial and credit card segments.
Advances: Grow loan and deposit balances focusing on commercial and credit card segments
Launch of credit cards enhances loan and deposit growth strategy.
Increased oversight could hinder growth and capital allocation.
