Where it trades today
trading 71% of the way up its 52-week range
How the price has moved
What to weigh before acting
What Matters Now
- Credit quality, deposit stability, and how management navigates the rate cycle usually drive the next rerating.
- USB is valued near its sector range at 12.0x earnings versus 12.5x for peers, so the next move likely needs a real earnings or guidance catalyst.
- USB carries a beta of 0.97, which means the stock should be judged on how it affects total portfolio swings, not just on standalone upside.
- USB remains in a bearish short-term trend and sits 9.1% below its high, which raises the bar for any thesis that depends on fast multiple expansion.
Portfolio Use Case
- USB is more relevant for investors who want some income support alongside price appreciation, not just pure growth exposure.
- The risk profile looks balanced enough for a diversified core-plus portfolio, provided the position size reflects sector concentration.
- The stock becomes more useful when paired with an explicit catalyst watchlist, because sector sentiment can shift quickly around policy, rates, or pipeline news.
What Would Change the View
- A recovery in price alone would not be enough to improve the view; the thesis needs confirmation from improving business or valuation signals.
- The view would need revisiting if peers such as JPM, BAC, WFC start winning the marginal flow or posting cleaner operating momentum.
Methodology
- Price, market cap, beta, yield, and liquidity fields for USB come from Yahoo Finance quote and summary data.
- 30-day volatility is calculated from recent daily returns and annualized using a 252-trading-day convention.
- Sector context uses stored benchmark averages for Financial Services so each page compares the ticker against a stable peer baseline rather than against the whole market.
- Peer comparisons use the Portfolio Terminal coverage set and highlight nearby listed alternatives such as JPM, BAC, WFC.
Sources
- Yahoo Finance quote dataopen →
Live quote, valuation, beta, yield, and volume fields used for USB. Last refresh: Sep 18, 2026, 10:56 PM.
- Portfolio Terminal methodologyopen →
Explains how analytics, refresh cadence, and portfolio interpretation work across the product.
- Peer set and coverage context
Comparative context for this page is anchored around nearby tracked names such as JPM, BAC, WFC.
What U.S. Bancorp does
U.S. Bancorp, a financial services holding company, provides various financial services to individuals, businesses, institutional organizations, governmental entities, and other financial institutions in the United States. The company operates through Wealth, Corporate, Commercial and Institutional Banking; Consumer and Business Banking; Payment Services; and Treasury and Corporate Support segments. It offers depository services, including checking accounts, savings accounts, and time certificate contracts; and lending services, such as traditional credit products and credit card services, lease financing and import/export trade, agricultural finance, asset-backed lending, and other…
What analysts expect
USB carries a buy consensus from 21 analysts, with an average price target of $70.33 versus $60.06 today (+17.1%). Targets are estimates and can move quickly after earnings.
Consensus aggregated by Yahoo Finance. Targets are estimates, not forecasts.
How the business is doing
USB generated $27.32B in trailing revenue (10.4% year over year), with a 29.9% net margin, against $29.32B of net debt.
The numbers, year by year
| Fiscal year | Revenue | Gross profit | Operating income | Net income | EPS | Free cash flow |
|---|---|---|---|---|---|---|
| 2025 | $28.54B | — | — | $7.57B | $4.62 | $7.97B |
| 2024 | $27.34B | — | — | $6.30B | $3.79 | $11.35B |
| 2023 | $28.01B | — | — | $5.43B | $3.27 | $8.39B |
| 2022 | $24.18B | — | — | $5.83B | $3.69 | $21.12B |
When it reports next
Estimates aggregated by Yahoo Finance. Dates move and estimates change until the report lands.
How it sits in financial services
Sector covering banks, insurance, asset management, and fintech companies.
The companies it competes with
USB beside the financial services names it is usually measured against.
What the chart is saying
U.S. Bancorp trades at $60.06, 9.1% below its 52-week high. With a beta of 0.97, it shows about average sensitivity to what the wider market does.
Questions people ask about it
Is USB a good buy right now?
U.S. Bancorp trades at 12.0x earnings. This is below market average, potentially undervalued. Current risk level is Medium based on 21.9% volatility.
Does USB pay dividends?
Yes, U.S. Bancorp offers a dividend yield of 3.59%. That is roughly $2.16 per share a year.
How volatile is USB?
With 30-day annualized volatility of 21.9% and beta of 0.97, USB is classified as Medium risk. The stock tends to be more stable than the market average.
What is the analyst price target for USB?
The average analyst price target for U.S. Bancorp (USB) is $70.33 based on 21 analyst estimates, about 17.1% above the current price of $60.06. The published range runs from $65.00 to $77.00.
How much revenue does USB generate?
U.S. Bancorp reported $27.32B in trailing twelve-month revenue. Revenue growth is running at 10.4% year over year. Net margin sits at 29.9%. Figures are aggregated from company filings by Yahoo Finance and refresh on an hourly cadence.