U.S. Bancorp (USB) fair value analysis
S&P 500 · Updated 2026-10-19
USB price how computed
Forward Fair Value verdict
Fairly valuedUSB is trading at within about 10% of estimated fair value.
Based on TickrTrends' weekly Forward Fair Value model.
- Last price
- $57.08
- Sector
- Financial Services
- 12-month range
- $45.47–$65.42
- Market cap
- $88.9B
- From 52-week high
- -12.7%
- Shares outstanding
- 1.56B
- Rank in Financial Services by discount to fair value
- #64 of 167
Last price is our 2026-10-19 weekly price; the chart runs through 2026-10-16.
U.S. Bancorp is a financial services company that provides banking, investment, and payment services to consumers, businesses, and institutions. The company operates through a network of branches and offices across the United States.
USB currently ranks #64 of 167 Financial Services stocks by discount to fair value. It has screened as Fairly valued for 14 consecutive weekly runs.
Fundamentals (4 quarters) how computed
- Market cap
- $88.9B
- P/E (trailing)
- 11x
- Revenue (TTM)
- $44B
- Net margin
- 19.0%
- EPS (TTM)
- $5.13
- Gross margin
- 64.8%
- Debt / equity
- 1.10
- Revenue growth (3-yr avg)
- 2.8%
- Shares outstanding
- 1.56B
Derived indicators how computed
- Quality grade
- F
- Margin trend
- Expanding
- 52-week position
- The upper-middle quarter of its range
Technicals how computed
- RSI (14-day)
- 51 · neutral
- 50-day average
- $60.83
- 200-day average
- $57.81
- Moving-average state
- 50-day above 200-day (golden cross state); price between the averages
Dividends how computed
- Paid, last 12 months
- $2.10 per share (4 payments)
- Yield on last price
- 3.68%
- Consecutive years of increases
- 15
- Last ex-dividend date
- 2026-09-30
- Last payment date
- 2026-10-15
Earnings how computed
- Last 8 quarters vs consensus
- 8 beat, 0 missed
- Quarter by quarter
- 2026-09 ▲ beat (+1.5%)
2026-06 ▲ beat (+5.5%)
2026-03 ▲ beat (+3.5%)
2025-12 ▲ beat (+5.9%)
2025-09 ▲ beat (+8.9%)
2025-06 ▲ beat (+3.7%)
2025-03 ▲ beat (+6.2%)
2024-12 ▲ beat (+1.9%)
Analyst consensus how computed
This is not TickrTrends' verdict.
- Analyst ratings
- 14 buy · 9 hold · 0 sell (23 analysts)
- Consensus lean
- Buy-leaning
- Consensus price target
- $68.5
- Target vs last price
- +20.0%
What our data shows for USB
- Our model validated 17 trailing price-to-earnings windows for USB, built from quarterly earnings records.
- Shares are trading in the middle of their 12-month price range of $45.47–$65.42.
- The 14-day relative strength index sits at a neutral 51.
The exact numbers are one step away
- The precise Forward Fair Value dollar figure for USB
- Exact discount / premium to today's price
- The normalized historical P/E behind the estimate, and how many quarters support it
- Forward EPS input and fiscal-year basis
- Screeners and rankings across the full S&P 500 and Nasdaq universes
Forward Fair Value applies a conservatively normalized historical price-to-earnings multiple to the consensus earnings estimate for the next full fiscal year; how TickrTrends computes it.
Recent USB news
TickrTrends' derived news-sentiment signal for USB is currently leaning positive, computed from recent coverage.
- U.S. Bancorp: Solid Results, But Risks May Lurk Beneath The Surface (NYSE:USB) (seekingalpha.com, 2026-10-20)
TickrTrends take: U.S. Bancorp's reported solid results align with its current Fairly valued status at TickrTrends, suggesting the market has appropriately priced in the company's near-term performance within the Financial Services sector. However, the headline's reference to risks lurking beneath the surface indicates that valuation-focused investors should monitor whether those underlying challenges could pressure earnings or capital ratios going forward. Any deterioration in asset quality or margin compression not yet reflected in the current valuation would represent a key development for reassessing whether Fair value remains the appropriate assessment. - U.S. Bancorp’s Dividend Is Doing Its Job. Can the Stock Do Its Part? (insidermonkey.com, 2026-10-20)
TickrTrends take: U.S. Bancorp's dividend performance highlights the income component of shareholder returns, though a fairly valued assessment suggests the stock's current price already reflects expectations for dividend sustainability and payout levels. For valuation-focused investors, the key consideration is whether future earnings growth in the Financial Services sector can support dividend maintenance without requiring unsustainable payout ratios. Monitoring USB's net interest margin trends and credit quality will be important indicators of whether the stock price appreciation potential extends beyond its current income characteristics. - U.S. Bancorp (USB) Maintains Buy Rating with $73 Target Following Q3 Earnings (gurufocus.com, 2026-10-18)
TickrTrends take: U.S. Bancorp maintains analyst support with a buy rating and a price target of 73 dollars, which provides a benchmark for comparing current market activity to professional equity research expectations. TickrTrends currently assesses USB as fairly valued, suggesting the stock is trading near levels consistent with its fundamentals rather than showing significant upside or downside deviation. For valuation-focused investors, the gap between the analyst target and TickrTrends' current assessment warrants monitoring to determine whether the market is underestimating the bank's potential or whether the buy rating reflects expectations already reflected in the stock's price.
More USB news
- USB Maintains Buy Rating by DA Davidson -- Price Target Steady at $73.00 (gurufocus.com, 2026-10-16)
- Insights Into U.S. Bancorp (USB) Q3: Wall Street Projections for Key Metrics (zacks.com, 2026-10-12)
- Cautious Optimism Heading Into Q3 Earnings For U.S. Bancorp (NYSE:USB) (seekingalpha.com, 2026-10-10)
- USB Maintained by UBS -- Price Target Lowered to $64.00 (gurufocus.com, 2026-10-05)
What people are saying
Follow the USB conversation: Stocktwits · Reddit · X
TickrTrends weekly updates
- 2026-10-19 — # TickrTrends Summary for USB TickrTrends' quality grade for USB declined from C to F this week. The stock remains fairly valued according to current valuation metrics. This deterioration in the quality grade represents a significant downgrade in the company's fundamental assessment.
- 2026-10-12 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-11 — TickrTrends' derived indicators show that USB moved to a lower sector discount ranking this week, declining from number 63 to number 69 among Financial Services stocks. The stock maintains a Fairly valued assessment according to current valuation metrics.
- 2026-10-10 — TickrTrends' derived indicators show that USB moved up in sector discount ranking from #81 to #70 this week, indicating improved relative valuation positioning within the Financial Services sector. The stock currently holds a fairly valued assessment.
- 2026-10-06 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-28 — TickrTrends' derived indicators show that USB has improved its position within the Financial Services sector this week. The company's sector discount rank moved from #90 to #78, indicating a stronger valuation position relative to other financial services companies. USB maintains a current valuation verdict of fairly valued.
- 2026-09-21 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-17 — No material change this week: the verdict, bands and grades all held steady.
Frequently asked questions
Is USB stock undervalued?
Based on TickrTrends' Forward Fair Value model (updated 2026-10-19), USB is trading at within about 10% of estimated fair value and screens as fairly valued. The exact fair value and discount are available to subscribers.
What is USB's TickrTrends verdict?
USB's current verdict is Fairly valued, refreshed with every weekly Forward Fair Value run.
How does USB compare to other Financial Services stocks?
USB ranks #64 of 167 Financial Services stocks in TickrTrends' coverage by discount to fair value.
Is USB overbought or oversold?
USB's 14-day RSI is in neutral territory - neither overbought nor oversold.
Does USB pay a dividend?
Yes. USB paid $2.10 per share over the last twelve months (4 payments), a 3.68% yield on TickrTrends' last price, and has raised the annual total for 15 consecutive years. The last ex-dividend date was 2026-09-30.
Does USB usually beat earnings estimates?
Over its last 8 reported quarters USB beat the consensus estimate 8 times and missed 0 times, by TickrTrends' comparison of reported and estimated EPS.
What do analysts say about USB?
Of 23 analysts covering USB, 14 rate it a buy, 9 a hold and 0 a sell - buy-leaning, with a consensus price target of $68.5 (+20.0% versus TickrTrends' last price). This is the analyst consensus, not TickrTrends' Forward Fair Value verdict.
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