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As of September 27, 2026, U.S. Bancorp (USB) trades at $59.33. CleaRank Financial AI rates it Hold with a fair value of $69.00, 16.3% above the current price. Wall Street's consensus target is $69.00 across 23 analysts. RSI at 28 is in oversold territory, and the price is below its 50-day average of $62.70.
U.S. Bancorp (USB)
U.S. Bancorp NYSE
$59.33
0.9300 (1.59%)
At close: Sep 25, 4:00 PM EDT
AI Analyst Consensus
55 / 100
U.S. Bancorp (USB) is currently trading at $59.33, below its 50-day and 20-day moving averages, indicating a bearish short-term trend. The stock's RSI is in oversold territory at 27.95, suggesting a potential for a bounce. However, recent insider activity shows net selling, with $147.6M in total sales versus $3.1M in total purchases in recent filings, signaling a moderate sell signal from management. Despite these technical and insider headwinds, Wall Street maintains a generally positive outlook with a consensus rating of 'Buy' and a median price target of $69.00, implying an upside of 16.3%. The company's fundamentals show a solid profit margin of 29.90% and a low debt-to-equity ratio of 0.01, comparing favorably to sector averages. Consistent revenue growth, projected at 8.00% for the current year, further supports the company's underlying business strength.
USB Price Analysis
Market Metrics
Open
$58.64
Day Range
$58.50 to $59.52
Prev Close
$58.40
Volume
6.41M
52-Week Range
$45.02 to $66.08
Market Cap
$92.44B
Peer Benchmarking
Valuation vs Sector (Financial Services)
Performance vs KBE
Sector Position Analysis
Trading at a notable discount to sector peers (-28%), which may indicate undervaluation or specific company headwinds.
USB Financial Performance
Revenue vs. Earnings
Annual
Quarterly
Earnings Reality Check
Analysis: In the last 3 quarters, USB beat estimates 3 times. The stock rose 2 times the next day. Price tends to react positively to beats.
USB Analysis
Company's Health
3/5
12-Month Analyst Target
+16.30% Upside
Median of 23 analysts (12-month)
$69.00
AI Technical Analysis
U.S. Bancorp's chart indicates a bearish short-term trend, with the price trading below its 50-day SMA ($62.70) and 20-day EMA ($60.89). The 200-day SMA ($57.55) is currently acting as support, with the price trading above it. The Relative Strength Index (RSI) is significantly oversold at 27.95, suggesting a potential for a short-term reversal or bounce. The nearest resistance level is the 50-day SMA at $62.70, followed by the 20-day EMA at $60.89. Support is found at the 200-day SMA of $57.55. Volume has been below average recently, with 6.41 million shares traded compared to a 9.43 million average, indicating a lack of strong conviction from either buyers or sellers at current levels.
ProTips
- Monitor U.S. Bancorp's ability to reclaim its 50-day SMA ($62.70) as a key indicator of a potential trend reversal.
- Given the oversold RSI, consider the risk-reward of a short-term bounce, but be mindful of the moderate insider selling trend.
- As an MLP, U.S. Bancorp issues Schedule K-1 tax forms instead of standard 1099-DIV forms, which may create complex tax obligations-especially if held in a retirement account (IRA/401k). Consult a tax advisor.
Key Catalysts
Bullish
Positive Earnings Surprise
U.S. Bancorp has consistently beaten EPS estimates, most recently by 5.47% for the quarter to June 2026, indicating operational efficiency and potential for continued earnings strength.
Source: Company Earnings ReportBullish
Analyst Target Price Upside
The median analyst price target for U.S. Bancorp is $69.00, offering a potential upside of 16.3% from the current price, supported by a 'Buy' consensus from a majority of analysts.
Source: Wall Street AnalystsBearish
Moderate Insider Selling
Recent insider transactions show net selling totaling $22.4 million versus $186.6 thousand in purchases, signaling a moderate sell signal from management and potentially indicating a lack of conviction at current price levels.
Source: Insider Transaction FilingsBearish
Bearish Technical Momentum
The stock is trading below its 50-day SMA ($62.70) and 20-day EMA ($60.89), indicating bearish short-term momentum and potential for further downside if key support levels are breached.
Source: Technical Chart AnalysisMarket Outlook
The base case for U.S. Bancorp over the next 6-12 months anticipates a potential recovery towards its median analyst target price of $69.00, driven by its solid financial fundamentals and consistent earnings performance. The company's strong profit margins, low debt, and projected revenue growth provide a stable foundation for this outlook. However, the path to $69.00 is contingent on overcoming near-term technical resistance and a potential shift in insider sentiment. A break below the 200-day SMA support at $57.55 could invalidate the bullish outlook and lead to further price declines, especially if broader market sentiment turns negative or sector-specific headwinds emerge.
Key Statistics
| Market Cap | 92.44B |
|---|---|
| P/E Ratio | 11.84 |
| EPS (TTM) | 5.01 |
| Dividend Yield | 3.51% |
| 52 Week High | 66.08 |
| 52 Week Low | 45.02 |
U.S. Bancorp's valuation appears reasonable, with a P/E ratio of 11.84, which is below the sector median of 16.5. Its price-to-sales ratio of 3.38 is also below the sector average of 3.8. The company demonstrates strong profitability with a net profit margin of 29.90% and a return on equity of 12.62%, both exceeding sector averages. Fundamentals are supported by consistent revenue growth, with current year projections at 8.00% and next year at 7.00%. The company's balance sheet is strong, evidenced by a very low debt-to-equity ratio of 0.01, significantly lower than the sector average. This financial strength provides a solid foundation, even as the stock navigates near-term technical weakness.
Earnings & Growth Analysis
U.S. Bancorp has demonstrated a pattern of beating analyst EPS estimates in recent quarters. For the quarter ending June 2026, the company reported an EPS of $1.35 against an estimate of $1.28, a surprise of 5.47%, though the stock saw a minor decline of 1.36%. Prior quarters also showed positive surprises, indicating a consistent ability to meet or exceed earnings expectations.
Key Risks
The primary risks for U.S. Bancorp include the current bearish technical setup, with the stock trading below key moving averages, and moderate insider selling totaling $22.4 million, which could signal caution among management. Additionally, the oversold RSI suggests potential for further downside if support levels fail to hold. While the company exhibits strong fundamentals and positive analyst sentiment, a failure to break above the 50-day SMA resistance could lead to a retest of the 200-day SMA support, potentially triggering further selling pressure.
Technical Indicators
| RSI (14) | 27.95 |
|---|---|
| MACD | -1.03 |
| SMA 50 | 62.70 |
| SMA 200 | 57.55 |
RSI
Oversold
SMA Cross
Bullish
Price vs SMA
Bearish
MACD
Bearish
Golden Cross in effect with the 50-day SMA ($62.70) above the 200-day SMA ($57.55), price is trading below the 50-day SMA, RSI at 28.0 suggests oversold conditions; potential bounce setup.
Market Correlations
How this stock moves relative to other assets
Based on 1 year of daily price data. Correlations may vary over different time periods.
S&P 500 (SPY)
+0.62
Moderate correlation
Nasdaq 100 (QQQ)
+0.48
Moderate correlation
Bitcoin (BTC)
+0.18
Weak correlation
Gold (XAU)
+0.02
Weak correlation
Check Custom Correlation
How does any other asset move with USB? One year of daily closes, Pearson correlation.
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USB Trade Plans
Specific entry, exit, and risk management levels
Select Your Trade Bias
Risk Tolerance
Conservative
2%
Aggressive
Portfolio Value
$
Position Size: Enter portfolio size →
Entry Strategies pick an entry style
Conservative
$58.74
Slight discount to current
Wait for small dip
Aggressive
$59.33
At current price
Enter now if confident
Risk Management
STOP LOSS
$56.80
MAX LOSS
-3.3%
Volatility-Adjusted Stop Loss
Calculated based on RSI (28.0) and current market volatility
Profit Targets (Based on Conservative Entry)
TARGET 1
$60.50
+3% (Conservative)
+2.0% (Aggressive)
TARGET 2
$61.67
+5% (Conservative)
+4.0% (Aggressive)
TARGET 3
$63.44
+8% (Conservative)
+6.9% (Aggressive)
Consider scaling out: Take 50% profit at Target 1, 30% at Target 2, let 20% run to Target 3
Calculate Your Trade
Disclaimer
This AI-generated trade plan for USB is for educational and informational purposes only and does not constitute financial advice. The analysis is based on historical data patterns and technical indicators which may not predict future results. Stock trading involves risk of loss. Verify all data independently and consult a qualified financial advisor. Generated on September 27, 2026.Growth of $10,000
A $10,000 investment in USB in September 2016 would be worth about $13,830 today, compared with about $35,782 for the same investment in the S&P 500 benchmark.
Compare with Another Ticker
Monte Carlo Projection (10yr)
CleaRank's 10-year Monte Carlo simulation projects that a $10,000 investment in USB today could grow to about $16,398 by 2036 in the base case, with a bull case near $56,217 and a bear case around $4,783. Projections are statistical simulations, not guarantees.
USB Stock Price Prediction: 2030
CleaRank's simulation projects a price near $72.31 for USB by 2030 in the base case, from $59.33 today (1.2x over 4 years). The downside path ends near $33.17. These are outcomes of a Monte Carlo simulation run on USB's historical return distribution, not price targets, and they assume no dividends are reinvested.
| Year | Downside (10th pct) | Base case | Upside (90th pct) |
|---|---|---|---|
| 2027 | $42.22 | $62.34 | $92.04 |
| 2028 | $37.75 | $65.50 | $114 |
| 2029 | $35.05 | $68.82 | $135 |
| 2030 | $33.17 | $72.31 | $158 |
| 2031 | $31.79 | $75.97 | $182 |
| 2032 | $30.74 | $79.83 | $207 |
| 2033 | $29.92 | $83.87 | $235 |
| 2034 | $29.28 | $88.13 | $265 |
| 2035 | $28.77 | $92.59 | $298 |
| 2036 | $28.38 | $97.29 | $334 |
Method: 10,000 simulated price paths using USB's historical volatility and drift, re-run daily. The base case is the median path; the two outer columns are the 10th and 90th percentile outcomes, which widen with time because uncertainty compounds. Simulations are not guarantees, and past volatility does not predict future returns. This is analysis, not investment advice.
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USB Insider Trading Analysis
Bought
$186.6K
1 Transactions
Sold
$22.4M
11 Transactions
Insiders
14
Active Traders
Avg Transaction
$1.9M
Large trades
| Date | Insider | Type | Shares | Value |
|---|---|---|---|---|
| May 12, 2020 | BERKSHIRE HATHAWAY INC
Beneficial Owner of more than 10% of a Class of Security
|
Sell | 497.8K | $16.3M |
| Apr 22, 2021 | CECERE ANDREW J
Chief Executive Officer
|
Sell | 184.2K | $10.4M |
| Nov 15, 2019 | CECERE ANDREW J
Chief Executive Officer
|
Sell | 165.6K | $9.7M |
| Nov 8, 2018 | CECERE ANDREW J
Chief Executive Officer
|
Sell | 183.4K | $9.7M |
| Oct 20, 2025 | CECERE ANDREW J
Director
|
Sell | 140.4K | $6.5M |
| Feb 20, 2018 | PARKER PAUL W
Officer
|
Sell | 98.5K | $5.5M |
| Feb 4, 2025 | CECERE ANDREW J
Chief Executive Officer
|
Sell | 102.0K | $4.8M |
| Feb 15, 2024 | CECERE ANDREW J
Chief Executive Officer
|
Sell | 93.4K | $3.9M |
| Dec 12, 2022 | CECERE ANDREW J
Chief Executive Officer
|
Sell | 84.9K | $3.7M |
| Apr 28, 2021 | VON GILLERN JEFFRY H
Officer
|
Sell | 53.4K | $3.1M |
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Frequently Asked Questions
Is U.S. Bancorp (USB) stock a buy right now?
U.S. Bancorp is currently rated a Hold. While analysts have a median price target of $69.00, implying 16.3% upside, the stock is trading below its key moving averages and exhibits moderate insider selling, suggesting caution is warranted.
What is the outlook for U.S. Bancorp's stock price?
The outlook for U.S. Bancorp is cautiously optimistic. Analysts project revenue growth of 8.00% for the current year and 7.00% for the next, with a median price target of $69.00. However, near-term technicals are bearish, and insider selling presents a risk.
What are the key technical levels for U.S. Bancorp?
The nearest resistance for U.S. Bancorp is the 50-day SMA at $62.70, followed by the 20-day EMA at $60.89. Support is found at the 200-day SMA of $57.55. The RSI is currently oversold at 27.95.
How does U.S. Bancorp's valuation compare to its peers?
U.S. Bancorp's P/E ratio of 11.84 and price-to-sales ratio of 3.38 are both below the sector medians of 16.5 and 3.8, respectively, suggesting a potentially attractive valuation compared to its peers.
What is the consensus rating for U.S. Bancorp?
The consensus rating for U.S. Bancorp is 'Buy', with 12 out of 23 analysts recommending a Buy and 9 recommending a Hold. The overall Wall Street score is 67 out of 100.
Are insiders buying or selling U.S. Bancorp stock?
Insiders are net sellers of U.S. Bancorp stock. In recent transactions, total sales amounted to $22.4 million, while total purchases were $186.6 thousand, indicating a moderate sell signal.
What is U.S. Bancorp's projected stock price for 2030?
Based on Monte Carlo simulations, U.S. Bancorp's projected stock price for 2030 has a base case of $72.31 and a downside case of $33.17. These are statistical outcomes, not guarantees.