USB Stock Analysis: Buy, Sell, or Hold?
USB - U.S. Bancorp
$56.11
-0.22 (-0.39%)
▼
HOLD
MODERATE Confidence
Last Updated: January 30, 2026
Earnings: Apr 16, 2026
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1 traders called USB this week
100% bullish • 0 bearish
100% bullish • 0 bearish
Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: USB shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: USB shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$81.56
Based on 6.8% avg growth
INTRINSIC VALUE TODAY
$50.64
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 10.7x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: USB is currently trading at $56.11, which is considered extended relative to its 30-day fair value range of $54.13 to $55.87. The stock's valuation (Forward PE: 10.3) is in line with its historical norms (10.7). Remarkably, the market is currently pricing in an annual earnings decline of 1.2% over the next few years. This pessimistic expectation contrasts with the company's recent 24.3% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, USB is in a strong uptrend. The price is approaching resistance at $56.70. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $62.43 (+10.8%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, USB is in a strong uptrend. The price is approaching resistance at $56.70. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $62.43 (+10.8%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
EXTENDED
Fair Price Range
$54.13 -
$55.87
Company Quality Score
63/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
48.6%
Protect Your Profits
Holding USB? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanAll Signals
- BEARISH: Price extended above range
- NEUTRAL: Mixed technical signals (55/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($62.43)
Fair Price Analysis
30-Day Fair Range
$54.13 -
$55.87
Current vs Fair Value
EXTENDED
Support & Resistance Levels
Support Level
$53.75
Resistance Level
$56.70
Current Trend
Strong Uptrend
Fundamental Context
Forward P/E (Next Year Est.)
10.28
Wall Street Target
$62.43
(+10.8%)
Revenue Growth (YoY)
5.3%
Earnings Growth (YoY)
24.3%
Profit Margin
28.7%
Valuation Discount vs History
-1.2% cheaper
PE vs Historical
10.3 vs 10.7
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.2%
(market-implied from PE analysis)
1-Year Target
$55.65
(-1%)
2-Year Target
$54.99
(-2%)
3-Year Target
$54.33
(-4%)
3-Yr Target (if PE normalizes)
(PE: 10→11)
$56.52
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 9.7%)
$161.40
(+187%)
Base:
(SPY PE: 10.3, Growth: 9.7%)
$74.43
(+32%)
Bear:
(PE: 8.7, Growth: 9.7%)
$63.27
(+12%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (12x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 12.24 | Current EPS (TTM): $4.62
Bull Case
$73.72
(+31%)
Analyst growth 18.6%, PE expands to 13.5
Base Case
$67.02
(+19%)
Market implied 18.6%, PE stable at 12.2
Bear Case
$38.44
(-32%)
Severe decline -20.0%, PE contracts to 10.4
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 10.3 to 10.7
Stabilization Target:
$58.61
(+4.0%)
PE Expansion Potential:
+4.0%
Last updated: January 30, 2026 4:10 PM ET
Data refreshes hourly during market hours. Next update: 5:10 PM
Data refreshes hourly during market hours. Next update: 5:10 PM
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Technical Signals Check
Is USB showing a specific setup today?
Insider Activity (6 Months)
0
Buys
5
Sells
Net
INSIDERS SELLING
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