TFC vs USB Stock Comparison
Compare TFC and USB across AIQ Score, fundamentals, valuation, momentum, risk, analyst expectations and current market evidence.
What is the main difference between TFC and USB?
USB leads the current stock comparison as U.S. Bancorp, with the clearest separation coming from risk resilience and the broader AIQ evidence mix.
AlgovestIQ AIQ Comparison
Truist Financial Corporation vs U.S. Bancorp
USB leads
USB leads by 1 AIQ points, primarily on Risk Resilience.
Fragile: 3 of 6 evidence groups support USB, and its current signal state is conflicted.
Truist Financial Corporation
U.S. Bancorp
The Algovestiq AIQ Score currently favors USB over TFC, 57 versus 56 as of Sep 6, 2026. USB's advantage is driven primarily by stronger risk resilience. USB also shows the stronger technical structure relative to its 50-day moving average. 3 of 6 covered evidence groups favor USB today, and the comparison is rated Fragile on stability: the AIQ gap is narrow at 1 points. USB lead: Stable — the AIQ differential has held near 1 points over 30 sessions.
Compare Truist Financial Corporation and U.S. Bancorp across the Algovestiq AIQ Score, valuation, quality, momentum, risk, technicals and analyst expectations.
Performance over time
Price-return comparison using available daily close history.
Total return comparison
Growth of $10,000
Based on available close-price history. Distribution reinvestment is not added unless already reflected in the source series.
Compare TFC and USB against another ticker
Open a multi-ticker workspace without changing this focused pair page.
AIQ Factor Divergence
Where the two separate, on the four dimensions behind the AIQ Score. Bars read outward from a shared zero: further from the centre is a wider gap.
- Risk Resilience15%61 vs 77USB +16
- Momentum25%57 vs 54Even
- Value30%58 vs 56Even
- Quality30%51 vs 50Even
3 of 6 evidence groups favor USB. USB’s edge is concentrated in risk resilience.
What changed since the last close
Latest scored session 2026-09-05, compared against the prior scored session 2026-09-04.
No factor moved materially.
No new signals fired.
No factor moved materially.
No new signals fired.
USB's lead was unchanged in the latest snapshot.
Deeper signal detail for each name lives on its own signals page — TFC and USB both carry a full feed there.
Which one fits your objective
The same two names rank differently depending on what you are optimizing for. All six reads are shown at once — none of them is hidden behind a toggle.
Balanced
USBUSB on the overall AIQ Score, which weights Quality and Value at 30% each.
Growth
EvenGrowth figures are not covered for both names.
Value
EvenThe two are level on Value.
Momentum
EvenThe two are level on Momentum.
Lower downside
USBUSB on Risk Resilience, by 16 points.
Analyst upside
EvenAnalyst targets are level or not covered for both names.
AIQ vs Wall Street
Where the systematic read and the analyst consensus line up — and where they do not.
| Measure | TFC | USB | Note |
|---|---|---|---|
| Implied upside to target | +7.2% | +7% | Level |
| Target dispersion | +30.7% | +22.1% | Lower is tighter analyst agreement |
| Consensus | Hold | Buy | Context, not a primary driver |
| Analysts covering | 7 | 15 | Higher coverage generally improves confidence |
Analyst targets are expectations, not predictions. Dispersion matters as much as the midpoint.
AIQ Agreement Matrix
3 of 6 covered evidence groups favor USB. A wide gap backed by one group is a weaker case than a narrow gap backed by five.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | Even | 56 vs 57 |
| Fundamentals | USBon balance | revenue growth 2.7% vs 0.8%; EPS growth 12.7% vs 14.4%; TTM ROE 9% vs 12.5%; gross margin 64% vs 63.8%; operating margin 22.3% vs 23.9% — USB takes 3 of 4 decided legs, not all of them |
| Valuation | Even | Value 58 vs 56 |
| Technicals | USB | Price vs 50-day 0.2% vs 0.5%; vs 200-day 4% vs 11.7% |
| Risk Resilience | USB | Risk Resilience 61 vs 77 |
| Analyst expectations | Even | Target upside 7.2% vs 7% |
✓ agrees with the overall verdict · ✕ points the other way. Groups marked “not covered” lack data on one or both of TFC and USB and are excluded from the count.
AIQ Decision Stability
The conclusion is sensitive to small changes. Treat the lead as provisional and watch the flip conditions below.
- The AIQ gap is narrow at 1 points. (argues the conclusion is provisional)
- Only 3 of 6 covered evidence groups agree. (argues the conclusion is provisional)
- The lead has been steady session to session. (supports the conclusion holding)
- The leader is throwing conflicting signals. (argues the conclusion is provisional)
Stability combines the score gap, how broadly the evidence agrees, how steady the lead has been across daily snapshots, the current signal state on both names, and analyst dispersion on USB.
How the comparison changed
120 daily snapshots · Apr 24 – Sep 5USB lead: Stable — the AIQ differential has held near 1 points over 30 sessions.
- Today
- USB +1
- 56 vs 57
- 7 sessions ago
- USB +2
- 49 vs 51
- 30 sessions ago
- USB +3
- 59 vs 62
- 90 sessions ago
- USB +6
- 56 vs 62
The lead has not changed hands in this window.
AIQ Signal Divergence
Only the signals that bear on the head-to-head. A conflicted name is carrying bullish and bearish rules at the same time — the technical evidence is not pointing one way.
3 bullish / 0 bearish / 1 neutral
- Golden Cross Active — bullish, trend, long horizon (3.74%)
- Bollinger Band Squeeze — neutral, volatility, short horizon
- Uptrend Structure Active — bullish, trend, long horizon
2 bullish / 1 bearish / 1 neutral, conflicted
- Golden Cross Active — bullish, trend, long horizon (11.16%)
- Bollinger Band Squeeze — neutral, volatility, short horizon
- Uptrend Structure Active — bullish, trend, long horizon
USB leads the comparison while carrying a conflicted signal state, which is one reason the stability rating is not higher.
Price vs model alignment
Whether the latest session's price move confirms what the model did over the same session, or contradicts it.
Neither the price nor the AIQ Score moved enough in the latest session to confirm or contradict the other (price +0.08%, AIQ 0 points).
Neither the price nor the AIQ Score moved enough in the latest session to confirm or contradict the other (price -0.25%, AIQ 0 points).
What would flip this result
A state, not a forecast. These are the specific, observable changes that would reverse the verdict — not a price prediction.
- 1TFC closes the Risk Resilience gap — currently 16 points behind, the largest single contributor to USB's edge.
- 2TFC's Bollinger Band Squeeze turns directional — it is neutral today and would confirm a change in trend.
- 3USB's conflicting signal state resolves bearish — it currently carries 2 bullish and 1 bearish rules at once.
- 4A regime shift changes factor weighting — the composite weights Quality and Value at 30% each, so a rotation toward either would move the result most.
The full evidence
Every number behind the verdict. The leader is called above each group so you are not left to solve it from the table.
Fundamentals
USB leads on balance| Metric | TFC | USB |
|---|---|---|
| Revenue growth (YoY) | 2.7% | 0.8% |
| EPS growth (YoY) | 12.7% | 14.4% |
| Gross margin | 64% | 63.8% |
| Operating margin | 22.3% | 23.9% |
| Return on equity (TTM) | 9% | 12.5% |
| Debt to equity | 1.09 | 1.42 |
Performance
USB leads 5 of 6 windows| Metric | TFC | USB |
|---|---|---|
| 1 week (5 sessions) | 2.4% | 1.4% |
| 1 month (20 sessions) | -1.3% | -0.9% |
| 3 months (63 sessions) | 5% | 13.8% |
| 6 months (126 sessions) | 11.1% | 21% |
| Year to date | 5% | 18.8% |
| 1 year (252 sessions) | 11.3% | 30.6% |
Technicals
USB has the stronger structure| Metric | TFC | USB |
|---|---|---|
| RSI (14) | 44.1 | 41 |
| ADX (14) | 12.5 | 15.6 |
| Price vs 50-day | 0.2% | 0.5% |
| Price vs 200-day | 4% | 11.7% |
| Volatility (1M, annualized) | 19.7% | 18.6% |
Risk
USB is the more resilient| Metric | TFC | USB |
|---|---|---|
| Beta | 0.68 | 0.67 |
| Sharpe ratio | 0.35 | 1.08 |
| Sortino ratio | 0.46 | 1.55 |
| Max drawdown | -21.5% | -16.2% |
| Current drawdown | -7.5% | -3.1% |
| Annualized volatility | 24% | 22.3% |
| Value at risk (95%) | -2.7% | -2.1% |
Straight answers
Each answer is regenerated from the current snapshot, not written once and left to age.
Which is better, TFC or USB?
On the Algovestiq AIQ Score, USB is the stronger of the two as of Sep 6, 2026, scoring 57 against TFC's 56. The edge comes from risk resilience. This is a systematic score, not a recommendation: it ranks the two on the same evidence, it does not know your holding period or tax position.
Is TFC or USB the better buy right now?
USB carries the stronger systematic profile as of Sep 6, 2026, and the comparison is rated Fragile — 3 of 6 covered evidence groups agree. A Fragile rating means the conclusion is sensitive: the AIQ gap is narrow at 1 points. Treat the lead as provisional.
Why does the AIQ Score favor USB over TFC?
The composite weights Quality at 30%, Value at 30%, Momentum at 25% and Risk Resilience at 15%. USB leads Risk Resilience by 16 points. Where the two split, the factor with the larger weight carries the result.
Which has more analyst upside, TFC or USB?
Analyst price targets imply +7.2% upside for TFC and +7% for USB. The model and the Street agree here, which is a broader base of evidence than either alone. Analyst targets are expectations, not predictions, and dispersion matters as much as the midpoint.
Which is better value, TFC or USB?
Neither name separates on the peer-relative Value factor. The two are level on Value. The Value factor reads valuation relative to sector peers and to the company's own fundamental quality, so it is not the same as simply having the lower multiple.
Which has stronger growth, TFC or USB?
Growth figures are not covered for both names. Growth here is measured on reported revenue and earnings, not on forward estimates — it describes what the businesses have delivered, not what the Street expects next.
Which has stronger momentum, TFC or USB?
The two are level on Momentum. Momentum carries 25% of the AIQ composite. It has documented persistence over three- to twelve-month horizons, which makes it a timing input rather than a reason to hold something indefinitely.
Which is riskier, TFC or USB?
USB is the more resilient of the two, so the other name carries the higher downside risk. USB on Risk Resilience, by 16 points. The Risk Resilience factor weights 15% of the composite; position sizing usually responds to it more usefully than the buy/avoid decision does.
Is TFC more profitable than USB?
USB leads on the comparable margin measures — gross margin 64% vs 63.8%; operating margin 22.3% vs 23.9%; ttm roe 9% vs 12.5%.
Is USB's lead over TFC getting stronger or weaker?
USB lead: Stable — the AIQ differential has held near 1 points over 30 sessions. This is measured from 120 daily comparison snapshots between 2026-04-24 and 2026-09-05. The lead has not changed hands in that window.
What would change the TFC vs USB verdict?
The result is a state, not a forecast, so it changes when the underlying evidence changes. Concretely: TFC closes the Risk Resilience gap — currently 16 points behind, the largest single contributor to USB's edge; TFC's Bollinger Band Squeeze turns directional — it is neutral today and would confirm a change in trend; USB's conflicting signal state resolves bearish — it currently carries 2 bullish and 1 bearish rules at once; a regime shift changes factor weighting — the composite weights Quality and Value at 30% each, so a rotation toward either would move the result most.
What do the current signals say about TFC and USB?
TFC: 3 bullish / 0 bearish / 1 neutral. USB: 2 bullish / 1 bearish / 1 neutral, conflicted. A conflicted state means bullish and bearish rules are active on the same name at once — the technical evidence is not pointing one way, and a decision taken on it carries more timing risk. The most decision-relevant rule on TFC is Golden Cross Active (bullish, long horizon). On USB it is Golden Cross Active (bullish, long horizon).
Compare TFC and USB with others
How this comparison is scored
The Algovestiq AIQ Score composites four factors — Quality (30%), Value (30%), Momentum (25%) and Risk (15%). Sentiment is reported separately as SentimentPulse and is not folded into the composite. Scores refresh every trading day, and this page regenerates from the latest snapshot rather than being written once.
The verdict names a leader, states how broadly six independent evidence groups agree, and rates how durable that conclusion is given the score gap, its recent trajectory and the current signal state on both names.
How to use side-by-side comparison →This comparison is informational and educational, not investment advice. AIQ scores update daily; re-check after earnings, guidance or macro data that materially changes either name’s factor profile.