USB Stock Analysis: Buy, Sell, or Hold?
USB - U.S. Bancorp
$53.45
0.33 (0.62%)
▲
5d:
-1.91%
30d:
-6.11%
90d:
-8.11%
BUY
HIGH Confidence
Analysis Updated: May 18, 2026 12:00 AM ET
Earnings: Jul 16, 2026
Smart Money Accumulation
None View Scanner →
Strength: 7.3/10
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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:
✅ BUY SIGNAL: USB shows strong fundamentals and good volume confirmation. Solid entry point despite oversold pricing.
✅ BUY SIGNAL: USB shows strong fundamentals and good volume confirmation. Solid entry point despite oversold pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$81.27
Based on 7.4% avg growth
INTRINSIC VALUE TODAY
$50.46
Trading above historical range
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 10.1x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: USB is currently trading at $53.45, which is considered oversold relative to its 30-day fair value range of $54.43 to $56.78. The stock's valuation (Forward PE: 9.5) is in line with its historical norms (10.1). Remarkably, the market is currently pricing in an annual earnings decline of 2.3% over the next few years. This pessimistic expectation contrasts with the company's recent 14.8% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, USB is in a uptrend. The price is currently testing key support at $52.33. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $63.48 (+18.8%). 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 currently testing key support at $52.33. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $63.48 (+18.8%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$54.43 -
$56.78
Company Quality Score
59/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
77.1%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($63.48)
Trading Range Analysis
30-Day Trading Range
$54.43 -
$56.78
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$52.33
Resistance Level
$56.86
Current Trend
Uptrend
Technical data as of
May 18, 2026
Fundamental Context
Forward P/E (Next Year Est.)
9.46
Wall Street Target
$63.48
(+18.8%)
Revenue Growth (YoY)
4.6%
Earnings Growth (YoY)
14.8%
Profit Margin
29.3%
Valuation Discount vs History
-2.3% cheaper
PE vs Historical
9.5 vs 10.1
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-2.3%
(market-implied from PE analysis)
1-Year Target
$52.22
(-2%)
2-Year Target
$51.02
(-5%)
3-Year Target
$49.85
(-7%)
3-Yr Target (if PE normalizes)
(PE: 9→10)
$53.23
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.1, Growth: 10.7%)
$169.37
(+217%)
Base:
(SPY PE: 9.5, Growth: 10.7%)
$72.49
(+36%)
Bear:
(PE: 8.0, Growth: 10.7%)
$61.61
(+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: 11.14 | Current EPS (TTM): $4.77
Bull Case
$69.23
(+30%)
Analyst growth 18.5%, PE expands to 12.3
Base Case
$62.93
(+18%)
Market implied 18.5%, PE stable at 11.1
Bear Case
$36.12
(-32%)
Severe decline -20.0%, PE contracts to 9.5
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 10.1
Stabilization Target:
$57.08
(+6.8%)
PE Expansion Potential:
+6.8%
Share & Embed Analysis
Last updated: May 19, 2026 7:56 AM ET
Data refreshes hourly during market hours. Next update: 8:56 AM
Data refreshes hourly during market hours. Next update: 8:56 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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SELL
40000 shares
2026-04-21
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SELL
2026-03-10
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2026-02-06
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