USB Stock Analysis: Buy, Sell, or Hold?
USB - U.S. Bancorp
$52.95
0.20 (0.38%)
▲
5d:
+2.64%
30d:
-2.56%
90d:
-0.77%
BUY
HIGH Confidence
Analysis Updated: Apr 2, 2026 12:00 AM ET
Earnings: Apr 16, 2026
11d
Smart Money Accumulation
USB is down 4.6% this week, but smart money is accumulating calls. Top strike: $62.5 2026-04-17 with 2,547 OI. Call ratio: 63% View Scanner →
Strength: 3.6/10
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: USB shows strong fundamentals and good volume confirmation. Solid entry point despite fair pricing.
✅ BUY SIGNAL: USB shows strong fundamentals and good volume confirmation. Solid entry point despite fair pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$81.25
Based on 7.2% avg growth
INTRINSIC VALUE TODAY
$50.45
Trading above fair value
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 10.3x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: USB is currently trading at $52.95, which is considered fair relative to its 30-day fair value range of $51.03 to $54.49. The stock's valuation (Forward PE: 9.5) is in line with its historical norms (10.3). Remarkably, the market is currently pricing in an annual earnings decline of 2.5% over the next few years. This pessimistic expectation contrasts with the company's recent 24.7% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, USB is in a uptrend. The price is approaching resistance at $53.08. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: USB has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $62.57 (+18.2%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, USB is in a uptrend. The price is approaching resistance at $53.08. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: USB has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $62.57 (+18.2%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Fair Price Range
$51.03 -
$54.49
Company Quality Score
64/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
81.0%
All Signals
- NEUTRAL: Price in fair range
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($62.57)
Fair Price Analysis
30-Day Fair Range
$51.03 -
$54.49
Current vs Fair Value
FAIR
Support & Resistance Levels
Support Level
$50.50
Resistance Level
$53.08
Current Trend
Uptrend
Technical data as of
Apr 2, 2026
Fundamental Context
Forward P/E (Next Year Est.)
9.49
Wall Street Target
$62.57
(+18.2%)
Revenue Growth (YoY)
5.3%
Earnings Growth (YoY)
24.7%
Profit Margin
28.7%
Valuation Discount vs History
-2.5% cheaper
PE vs Historical
9.5 vs 10.3
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-2.5%
(market-implied from PE analysis)
1-Year Target
$51.63
(-3%)
2-Year Target
$50.34
(-5%)
3-Year Target
$49.08
(-7%)
3-Yr Target (if PE normalizes)
(PE: 9→10)
$53.26
(+1%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.6, Growth: 10.4%)
$154.51
(+192%)
Base:
(SPY PE: 9.5, Growth: 10.4%)
$71.30
(+35%)
Bear:
(PE: 8.1, Growth: 10.4%)
$60.60
(+15%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (11x PE), but valuation improves significantly next year (9x PE) as earnings recover.
Trailing PE: 11.09 | Current EPS (TTM): $4.62
Bull Case
$67.70
(+31%)
Analyst growth 20.1%, PE expands to 12.2
Base Case
$61.55
(+20%)
Market implied 20.1%, PE stable at 11.1
Bear Case
$34.85
(-32%)
Severe decline -20.0%, PE contracts to 9.4
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 9.5 to 10.3
Stabilization Target:
$57.46
(+8.5%)
PE Expansion Potential:
+8.5%
Share & Embed Analysis
Last updated: April 04, 2026 3:17 AM ET
Data refreshes hourly during market hours. Next update: 4:17 AM
Data refreshes hourly during market hours. Next update: 4:17 AM
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Technical Signals Check
Is USB showing a specific setup today?
Insider Activity (6 Months)
0
Buys
3
Sells
Net
INSIDERS SELLING
Recent Transactions
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32195 shares
2026-02-06
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SELL
140445 shares
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