Key facts, as of
As of October 7, 2026, U.S. Bancorp (USB) trades at $57.29, up 20.1% over the past year. Its 52-week range runs from $45.02 to $66.08; the price is 13.3% below that high. It is 13.3% below its all-time high of $66.08, reached in August 2026. Over the 10 years to the end of September 2026, with dividends reinvested, it returned +95.1%, against +312.9% for the S&P 500 (SPY). It sits 0.7% below its 200-day average of $57.70, the usual sign of a long-term downtrend. Its 30-day volatility is 18.2% annualized, which we rate medium risk. It has a trailing P/E of 11.4 and a dividend yield of 3.77%.
Cite: Portfolio Terminal, "U.S. Bancorp (USB) stock analysis", 2026-10-07. https://portfolio-terminal.com/analyse/usb
Where it trades today
trading 58% of the way up its 52-week range
How the price has moved
How far it is from its record
U.S. Bancorp (USB) is 13.3% below its all-time high of $66.08, reached in August 2026. Over the 10 years to the end of September 2026, with dividends reinvested, it returned +95.1%, against +312.9% for the S&P 500 (SPY).
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 11.4x earnings versus 12.5x for peers, so the next move likely needs a real earnings or guidance catalyst.
- Recent realized volatility sits near 18.2%, below the sector norm of 24.0%, which supports a steadier role inside a diversified portfolio.
- USB remains in a bearish short-term trend and sits 13.3% 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: Oct 7, 2026, 9:55 AM.
- 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 $69.10 versus $57.29 today (+20.6%). 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.
Which ETFs hold it
USB is in 8 of the 30 ETFs we track. It weighs most in XLF: 1.18% of the fund, holding #20 of 76.
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
Slipped under its 50-day average inside a longer uptrend.
weakening- Price is 7.4% below its 50-day average and 0.7% below its 200-day.
- RSI at 31 is neither stretched nor washed out.
- The nearest ceiling is $61.15 (+6.7%), the nearest floor $56.63 (-1.2%).
A description of the chart, not advice. Indicators describe what the price has done; none of them knows what it does next.
Questions people ask about it
Is USB a good investment in 2026?
U.S. Bancorp trades at a P/E ratio of 11.4, with medium volatility (18.2% annualized). Recent trend shows weakness.
What is the risk level of USB?
Based on 30-day volatility of 18.2%, USB has MEDIUM risk. Beta of 1.02 indicates higher sensitivity to market movements than average.
Does USB pay dividends?
Yes, U.S. Bancorp has a dividend yield of 3.77%.
How far is USB from its all-time high?
U.S. Bancorp is 13.3% below its all-time high of $66.08, reached in August 2026. Over the 10 years to the end of September 2026, with dividends reinvested, it returned +95.1%, against +312.9% for the S&P 500 (SPY).
Which ETFs hold USB?
8 of the 30 popular ETFs we track hold U.S. Bancorp. The largest weights: XLF (1.18%), VYM (0.38%), VTV (0.35%), JEPI (0.29%) and VOO (0.14%). Measured on each issuer's full holdings file, dated August 31 to September 24, 2026.
How much of VOO is USB?
0.14%, as of August 31, 2026: USB is holding #123 of 505 in Vanguard's file for VOO. $1,000 in VOO puts about $1.44 in U.S. Bancorp.
What is the analyst price target for USB?
The average analyst price target for U.S. Bancorp (USB) is $69.10 based on 21 analyst estimates, about 20.6% above the current price of $57.29. The published range runs from $64.00 to $76.00.
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.
Compare USB with anything
Five years side by side: what $10,000 became, how far each fell, whether they move together.