Stock Analysis
U.S. Bancorp (USB) Stock Analysis
U.S. Bancorp (USB) stock analysis covering valuation, fundamentals, technical indicators, risk, AIQ Momentum, analyst catalysts, dividends, and the current AIQ Score.
U.S. Bancorp (USB) currently has an AIQ Score of 58/100, indicating a neutral setup. Sentiment is the strongest factor at 76/100. Quality is the weakest current factor at 55/100. Technical, fundamental, catalyst, dividend, and risk evidence should be read together at the latest market-close snapshot.
USB at a Glance
Crawlable current metrics from the latest market-close stock snapshot.
| Metric | Current |
|---|---|
| Price | $59.05 |
| AIQ Score | 58/100 |
| Overall View | Neutral |
| Technical Analysis Consensus | Buy |
| Market Cap | $91.5B |
| P/E Ratio (TTM) | 11.45 |
| Forward P/E | — |
| EPS (quarter ended 2026-09-30) | $1.34 |
| Revenue (quarter ended 2026-09-30) | $11.25B |
| Dividend Yield (TTM) | 3.58% |
| Beta | 0.97 |
| Volume | 7.12M |
| 52-week range | $45.02-$66.08 |
| RSI 14 | 59.86 |
| 50-Day SMA | $60.50 |
| 200-Day SMA | $57.87 |
| Analyst Price Target | $69.35 |
| Next Earnings | Jan 19, 2027 |
USBU.S. Bancorp
Financial Services / Banks - Regional
Low Priority
Above Peers
Latest quote
- Momentum58
- Value56
- Quality55
- Risk resilience65
- Sentiment76
USB Stock Analysis Summary
U.S. Bancorp (USB) currently has an AIQ Score of 58/100, indicating a neutral setup. Sentiment is the strongest factor at 76/100. Quality is the weakest current factor at 55/100. Technical, fundamental, catalyst, dividend, and risk evidence should be read together at the latest market-close snapshot.
In a neutral regime, USB has AIQ Score of 58/100 with Sentiment base of 76/100 and fading Quality at 55/100. Wait for component alignment before adding exposure.
Sentiment (76/100) leads while Quality (55/100) lags. This cross-factor spread creates entry timing uncertainty.
Financial Services · -0.07% stock move · USB classified in Banks - Regional.
Current Evidence
AlgovestIQ Evidence Summary
Current consensus, supporting evidence, recent changes, and what would strengthen or weaken the view.
Is USB Bullish or Bearish Right Now?
USB currently has a neutral overall setup. Sentiment is the strongest factor at 76/100, while Quality is weakest at 55/100. The current evidence suggests a mixed rather than strongly bullish or bearish setup.
- - Risk Resilience is supportive at 65/100.
- - Analyst target implies +17.44% upside from the latest quote.
- - Technical consensus has more buy votes than sell votes (27 vs 16).
- - No strong bearish evidence is available in the current snapshot.
Current Consensus
USB's Technical Analysis Consensus is currently Buy, with 27 buy, 2 neutral, and 16 sell votes. USB's 14-day RSI is 59.86, which places the stock in a constructive momentum range. USB's beta is 0.97, indicating market sensitivity broadly in line with the market.
What Changed in USB?
The largest recent change in USB is Momentum moving up by 29.0 points over the available 7-day comparison window. Sentiment remains the strongest visible factor.
What Would Change the USB Outlook?
The current neutral outlook could improve if AIQ moves above 70, momentum recovers, earnings revisions strengthen, and price confirms a stronger trend above the 50-day and 200-day moving averages. It would weaken if AIQ falls below 40, price loses long-term moving-average support, analyst expectations deteriorate, or risk evidence worsens.
AIQ > 70, RSI above 55, price above SMA-50/SMA-200, and positive catalyst or estimate-revision evidence.
AIQ below 40, RSI below 45, loss of SMA-200, negative revisions, or rising volatility and drawdown risk.
USB Decision Framework
Public evidence layers, setup checks, and risk context for U.S. Bancorp.
U.S. Bancorp (USB) Stock Analysis
U.S. Bancorp has an AIQ Score of 58/100 in a Neutral regime. Sentiment is strongest at 76/100. Beta is 1.02, close to market sensitivity. Review the supporting stock factors together before drawing a conclusion from any single score.
| Evidence Layer | Public Evidence |
|---|---|
| Regime Context | USB is in a Neutral AIQ regime with score 58/100. |
| Signal Conflict | The primary conflict is that sentiment leads at 76/100 while quality lags at 55/100. |
| Factor Evidence | Momentum 58/100 · Value 56/100 · Quality 55/100 · Risk 65/100 · Sentiment 76/100 |
| Persistence | Current snapshot evidence is shown; historical persistence remains in AIQ Pro. |
Current Setup Checklist
Sentiment is the strongest factor at 76/100.
Momentum is 58/100 and RSI (14) is 59.9.
USB is in a Neutral regime at 58/100.
Risk factor is 65/100 with beta 1.02 and annual volatility 22.18%.
Current conflict: sentiment leads at 76/100 while quality lags at 55/100.
USB Research Cluster
Ticker-specific paths for valuation, technical analysis, catalysts, dividends, financials, risk, and news.
USB Fundamentals
USB valuation, profitability, growth, margins, balance-sheet strength, and free cash flow.
USB Technical Analysis
USB technical setup based on RSI, MACD, moving averages, AIQ Momentum, volume, trend, volatility, and pivots.
USB Stock Catalysts
Track USB earnings, analyst ratings, price targets, estimate revisions, stock news, and upcoming events.
USB Dividend Analysis
USB dividend yield, annual dividend, payout ratio, payment history, and income reliability context.
USB Financial Data
USB revenue, earnings, income statement, balance sheet, cash flow, valuation ratios, and stock metrics.
USB Risk Analysis
USB volatility, beta, drawdown, Sharpe ratio, VaR, and downside resilience.
USB Stock News
USB stock news, market tone, recent headlines, and catalyst context.
USB vs Money Center Banks Peers
Current peer cohort: USB · WFC · ZION · BAC · BK. Compare AIQ, factor scores, Sharpe ratio and 1-year volatility in one indexable view.
| Peer | AIQ | Value | Momentum | Risk | Sharpe | 1Y Volatility | Compare |
|---|---|---|---|---|---|---|---|
| USB Current stock | 58/100 | 56/100 | 58/100 | 65/100 | 0.96 | 22.18% | Current |
| WFC Wells Fargo | 57/100 | 56/100 | 49/100 | 78/100 | -0.19 | 25.62% | USB vs WFC |
| ZION Zions Bancorporation | 65/100 | 63/100 | 65/100 | 62/100 | 0.91 | 25.19% | USB vs ZION |
| BAC Bank of America | 46/100 | 57/100 | 24/100 | 58/100 | -0.18 | 21.87% | USB vs BAC |
| BK Bank of New York Mellon | 46/100 | 38/100 | — | 72/100 | 1.78 | 20.48% | USB vs BK |
Peer cohort is resolved dynamically from the AlgovestIQ universe taxonomy and Compare relationship graph. Data as of Oct 21, 2026.
About the AIQ Score
Methodology for the current stock evidence.
The AlgovestIQ AIQ Score combines multiple dimensions of stock evidence, including momentum, valuation exposure, quality, risk resilience, sentiment context, and timing signals. It is a descriptive research score, not a guarantee of future performance or a personalized recommendation.
View AIQ methodologyFactor Diagnostics
A compact bridge from the AIQ score to the evidence tabs.
Open the return calculator with stock context while purchase price, shares, dates and fees remain user inputs.
AIQ Component Profile
Compare the five component scores on one consistent 0–100 scale.
Review earnings timing, revisions, news pressure, and prior event reactions in one place.
Open catalysts4 recent quarterly periods are available for review.
Checked Oct 22, 2026
Explore factor drivers, conflicts, persistence, and scenario sensitivity in the advanced workspace.
Fundamentals Verdict
Current snapshot fields are separate from reported-quarter statement tables.
Latest period Sep 30, 2026.
Market Confirmation
Technicals are summarized first, with the indicator library behind it.
Risk Alignment
Higher resilience is stronger; exposure metrics stay separate.
Continue Researching USB
Open the detailed evidence pages and workflows behind the stock overview read.
Premium Feature
Full AIQ Analysis
AIQ Intelligence
AIQ Pro for USB
Scenario Analysis
AIQ Scenario Builder
Portfolio Implication
Related Links
USB Stock FAQ
What is USB stock price today?
U.S. Bancorp's current stock price is $59.05. Use the live quote with AIQ Score, news, and risk context rather than treating price alone as a decision signal.
Is USB bullish or bearish right now?
USB's bullish or bearish read depends on the current AIQ Score, factor alignment, technical analysis consensus, valuation, risk, and catalyst evidence. A mixed setup should be treated differently from a broad confirmation across those signals.
What is USB's market cap?
USB's market cap is $91.5B based on the latest completed market-close snapshot from Oct 21, 2026. Use it with P/E ratio, revenue, and growth metrics to frame company size, valuation, and peer comparisons.
What is USB's current P/E ratio?
USB's current P/E ratio is 11.45 based on the latest completed market-close snapshot from Oct 21, 2026. Read it with revenue growth, margins, EPS, cash flow, and peer valuation rather than using P/E alone.
What is USB's RSI?
USB's 14-day RSI is 59.86 based on the latest completed market-close snapshot from Oct 21, 2026. RSI should be interpreted with MACD, moving averages, volume, volatility, and price trend.
Is USB above its 50-day and 200-day moving averages?
USB is -2.39% from its 50-day SMA and 2.03% from its 200-day SMA based on the latest completed market-close snapshot from Oct 21, 2026. Moving-average position should be read with momentum and broader AIQ evidence.
When is USB's next earnings date?
USB's next earnings date is currently listed as Jan 19, 2027. Earnings can reset revenue, EPS, price target, analyst rating, and catalyst expectations.
Does USB pay a dividend?
USB's dividend yield is 3.58% based on the latest completed market-close snapshot from Oct 21, 2026. Dividend yield should be read with payout ratio, free cash flow, growth, and balance-sheet strength.