Insider buying last 90 days
No open-market insider purchases were filed for USB in the last 90 days.
From Form 4 filings, dated to when each was filed.
Every USB insider filing, plotted on the chart in Gekko.Open USB in Gekko
NYSE: USB
U.S. Bancorp (USB) Stock Analysis & Forecast
$60.06−0.19 (−0.3%)
Close on Sep 18, 2026. Page updated Sep 19, 9:17 pm ET.
Gekko Brief
AI summaryU.S. Bancorp closes at $60.06, down 0.3%, sitting between its 50-day average of $63.05 and 200-day average of $57.34. The GekkoIndex reads 70.7, placing the stock in the Buying zone, while the price stands 8.9% below Gekko Fair Value of $65.96. Over the past month the shares are down 4.4%, though they remain up 17.1% over six months and 21.1% over the past year, with the 52-week range spanning $45.02 to $66.08.
This week's news centers on U.S. Bancorp's dividend and its outlook. The company raised its quarterly dividend by 3.8% to $0.54 per share, its 15th consecutive annual increase, putting the annualized payout at $2.16 and a forward yield near 3.4%. Separately, executives speaking at the Barclays Global Financial Services Conference pointed to expected growth in net interest income, fee revenue and deposits, alongside plans to expand the consumer franchise, payments and capital-markets businesses. Shares fell 4.0% on 16 September amid a Morgan Stanley "Hold" reiteration with a price target below consensus and broader sector strain.
Earnings are due 15 October 2026 before the open, 25 days out, falling inside a typical 20-trading-day holding window; the prior quarter posted EPS of $1.18 against a $1.13 estimate, with an average absolute reaction of 2.5% across the last eight quarters. Analyst coverage spans 18 firms, with 11 buy and 7 hold ratings and a consensus target of $70.33, implying 17.1% upside. Seasonally, the next 20 trading days have averaged a 0.3% gain over five years, positive in three of them.
Written by AI and checked automatically against the figures on this page. Generated Sep 20, 2026 from the data above.
Price vs fair value
Close $60.06200-day averageGekko Fair Value $65.96
Key stats
- Market cap
- $93.56B
- P/E ratio
- 11.9
- Forward P/E
- 10.5
- EPS, TTM
- $5.05
- Revenue, TTM
- $27.32B
- Profit margin
- 29.9%
- Dividend yield
- 3.48%
- Beta
- 0.97
- Volume
- 14.63M avg 7.08M
- 1-year return
- +21.1%
- Typical daily move
- ±2.1%
- Typical 20-day move
- ±5.8%
- 50-day average
- $63.05
- 200-day average
- $57.34
- Next earnings
- Oct 15 before open
- Shares outstanding
- 1.56B
U.S. Bancorp swing-trade checklist
U.S. Bancorp scores 3 supportive, 1 mixed and 1 headwind across the 5 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
3 supportive1 mixed1 headwind
- Trendmixed
Averages disagree
Close $60.06 sits between the 50-day ($63.05) and 200-day ($57.34) averages, or the averages disagree.
See the chart - GekkoIndexsupportive
70.7, Buying
Reading 70.7 is in the Buying zone.
See the GekkoIndex - Fair valuesupportive
8.9% below
Price is 8.9% below Gekko Fair Value (more than 5% below).
See fair value - Smart moneyno data
No data
No insider, Congress or unusual options activity in the window.
See smart money - Earnings riskheadwind
Reports in 25 days
Reports on Oct 15, 2026, 25 days away — inside a typical 20-trading-day hold.
See earnings - Seasonalitysupportive
+0.3% on average
From this point in the calendar, the next 20 trading days averaged +0.3% over 5 years, rising in 3 of them.
See seasonality
A description of current data, not a recommendation. How this page works
U.S. Bancorp stock chart and price history
U.S. Bancorp closed at $60.06 on Sep 18, 2026, +21.1% over the past year, inside a 52-week range of $45.02 to $66.08.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- −4.4%
- 3 months
- +3.3%
- 6 months
- +17.1%
- 1 year
- +21.1%
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About U.S. Bancorp
U.S. Bancorp is a financial services holding company that provides banking products to households, businesses, institutions, government bodies, and other financial firms across the United States. Its work spans everyday deposit accounts, lending, credit cards, trade finance, agricultural credit, and leasing, alongside treasury management and lock-box collection for corporate and public-sector clients. It also handles asset management and trust work for individuals, estates, foundations, and charities, plus investment and insurance products, fund administration, corporate trust, merchant processing, mortgage banking, and brokerage services.
The company runs its business through several divisions: Corporate and Commercial Banking, Consumer and Business Banking, Wealth Management and Investment Services, Payment Services, and Treasury and Corporate Support. Customers reach these services through a branch network concentrated in the Midwest and West, an ATM network, and online and mobile banking channels, alongside direct relationships built through its corporate, institutional, and government banking teams.
U.S. Bancorp traces its founding to 1863 and is headquartered in Minneapolis, Minnesota. Its shares are listed on the NYSE under the ticker USB.
- Listed
- NYSE
- Sector
- Finance
- Industry
- Regional banks
- Website
- usbank.com
U.S. Bancorp GekkoIndex: the smart money zone
U.S. Bancorp’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 70.7, in the Buying zone, up 10.7 points over five sessions.
70.7Buying
Up 10.7 points over five sessions, from the Accumulation zone.
Reading for Sep 18, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying (current zone) | 23 | +2.2% | +3.2% | ||
| Accumulation | 193 | +0.3% | +2.3% | ||
| Neutral | 400 | +0.4% | +1.3% | ||
| Distribution | 45 | 0.0% | −0.4% | ||
| Selling | 1 | Too few readings yet | |||
Average USB share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Buying readings averaged +3.2% over 20 days. Past behaviour doesn’t guarantee future results.
Buying zone: Smart money likely accumulating heavily. About the five zones →
See every daily GekkoIndex reading plotted over the USB price, zone by zone.Track USB in Gekko
Is U.S. Bancorp stock overvalued? Gekko Fair Value
U.S. Bancorp trades 8.9% below Gekko Fair Value of $65.96, so the shares are undervalued on Gekko’s estimate.
Gekko’s own estimate of what U.S. Bancorp shares are worth, recalculated every trading day.
$65.96
Gekko Fair Value, Sep 19, 2026
8.9% Undervalued
Gekko Fair Value on every chart, with the gap to price updating daily.Open USB in Gekko
U.S. Bancorp insider and Congress trading
No open-market insider purchases were filed for U.S. Bancorp, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
No trades in USB were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Congress disclosures for USB, plotted on the chart in Gekko.Open USB in Gekko
Buybacks
U.S. Bancorp has been buying back its own shares.
- Bought back, quarter ended Jun 30, 2026
- $201.0M
- As a share of market cap
- 0.21%
- Trailing four quarters
- $700.0M
From company filings.
Hedge funds and billionaires quarter ended Jun 30
1of the funds Gekko tracks holds USB.
0added0opened1trimmed1sold out
Which funds are on each side, name by name.Unlock in Gekko
U.S. Bancorp earnings: next date and track record
U.S. Bancorp reports on Oct 15, 2026, before the open (25 days away), and beat the EPS estimate in 8 of its last 8 reports.
Next earnings report
Oct 15, 2026
Expected before the open, 25 days away
- EPS estimate
- $1.30
- Revenue estimate
- $7.96B
8 of 8reports beat the EPS estimate
±2.5%average move across the report
4 of 8reports followed by a gain
Share-price move across each report
Last earnings call, Apr 16, 2026 AI summary
- What they said
- U.S. Bancorp reported a strong first quarter with EPS of $1.18 (up ~15% YoY) and total net revenue of $7.3 billion (+4.7% YoY). Revenue growth was broad-based across commercial, payments, capital markets and investment services. Net interest income increased modestly, supported by core loan growth (notably C&I and credit card), record consumer deposits, and fee income growth of 6.9%. Management highlighted positive operating leverage (440 bps this quarter) and improved efficiency (260 bps YoY). Tangible book value per share rose >15% YoY and ROTCE was 17%. Management emphasized strategic priorities: fee growth, strengthening consumer and small-business franchises (including an upcoming Amazon co-brand small business relationship), and investments in technology/AI. They discussed capital allocation (dividends, increasing buybacks with a $200M base and potential glide up), bolt-on M&A strategy (BTIG integration underway), Category II regulatory transition preparedness, and a path to a 3% NIM by 2027. Credit quality was characterized as stable with low loss likelihood in disclosed NDFI/private credit exposures (private credit ~<3% of loans).
- Guidance
- Total revenue growth guidance: 4% to 6% for 2026 (management expressed bias toward the high end for fee revenue). Net interest income: mid-single-digit growth expected; management sees a path to 3% NIM by 2027. Loan growth: management expects mid-single-digit loan growth for the full year (above prior 3-4% commentary). Operating leverage target: maintain >200 bps positive operating leverage for the year (management expects to invest some savings). Capital allocation: dividend remains important; share repurchases expected to start at $200 million and 'glide up' as capital allows. Amazon co-brand: expected to come online in Q3, ~ $1.6 billion loans and ~70,000 co-brand clients, adding roughly $75-85 million of revenue per quarter (majority NII). BTIG acquisition: expected to be accretive in the back half of the year (inclusive of integration charges).
- Risks flagged
- Macroeconomic and interest-rate uncertainty (notably uncertain rate path and geopolitical factors referenced), potential deposit pricing pressure from competition, timing/impact of regulatory changes (Category II transition, Basel III/ERBA timing, AOCI phase-in), mortgage prepayment variability, AOCI 'burn-down' effects on capital, and concentration/structural risks in types of credit exposure (NDFI/private credit) even though management views loss likelihood as low.
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Apr 16, 2026 | $1.18 est $1.13 | $7.29B est $7.28B | +1.0% |
| Jan 20, 2026 | $1.26 est $1.19 | $7.36B est $7.32B | +2.0% |
| Oct 16, 2025 | $1.22 est $1.13 | $7.30B est $7.17B | −1.6% |
| Jul 17, 2025 | $1.11 est $1.07 | $6.98B est $7.05B | 0.0% |
| Apr 16, 2025 | $1.03 est $0.98 | $6.93B est $6.91B | −1.1% |
| Jan 16, 2025 | $1.07 est $1.05 | $6.98B est $7.00B | −5.0% |
| Oct 16, 2024 | $1.03 est $0.99 | $6.83B est $6.90B | +6.3% |
| Jul 17, 2024 | $0.98 est $0.94 | $6.84B est $6.81B | +2.6% |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
U.S. Bancorp stock forecast and analyst price targets
Analysts’ average 12-month price target for U.S. Bancorp is $70.33, +17.1% from the last close, from 18 firms rating the stock in the last 90 days.
$70.33consensus 12-month target, +17.1% from the last close
Now $60.06Avg $70.33
Low $66High $77
Each firm’s latest rating in the last 90 days: 18 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Sep 17 | Barclays | $75 | +24.9% |
| Sep 8 | Goldman Sachs | $71 | +18.2% |
| Sep 8 | Morgan Stanley | $67 | +11.6% |
| Aug 24 | RBC Capital | $68 | +13.2% |
| Aug 21 | Truist Financial | — | — |
+3.2%average 20-day move after past Buying readings
+0.3%average move over the next 20 trading days in the last 5 years
±2.1%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
U.S. Bancorp seasonality: the next 20 trading days
Over the next 20 trading days from Sep 19, U.S. Bancorp averaged +0.3% across the last 5 years, rising in 3 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | −1.7% | 1 of 5 |
| Next 10 trading days | −3.5% | 1 of 5 |
| Next 15 trading days | −3.7% | 1 of 5 |
| Next 20 trading days | +0.3% | 3 of 5 |
| Next 30 trading days | −1.3% | 2 of 5 |
For scale, USB’s typical 20-trading-day move in either direction is about 5.8%.
U.S. Bancorp market cap and key statistics
U.S. Bancorp’s market cap is $93.56B, with a P/E ratio of 11.9 and revenue of $27.32B over the last twelve months.
Valuation
- Market cap
- $93.56B
- P/E ratio
- 11.9
- Forward P/E
- 10.5
- EPS, TTM
- $5.05
- Gekko Fair Value
- $65.96
Trading
- Volume
- 14.63M
- Avg volume, 20 days
- 7.08M
- 52-week high
- $66.08
- 52-week low
- $45.02
- Shares outstanding
- 1.56B
Financials
- Revenue, TTM
- $27.32B
- Profit margin
- 29.9%
- Return on equity
- 12.6%
- Quarterly earnings growth, YoY
- +21.6%
Risk and income
- Beta
- 0.97
- Typical daily move
- ±2.1%
- Typical 20-day move
- ±5.8%
- Dividend yield
- 3.48%
U.S. Bancorp stock news this week
Coverage of U.S. Bancorp this week reads negative: 1 positive, 0 neutral and 2 negative headlines.
- U.S. Bancorp Delivers Another Dividend Increase: Assessing the PayoutYahoo Finance, Sep 18
- U.S. Bancorp Sees Strong Quarter as Fees, Deposits and Capital Markets AccelerateMarketBeat, Sep 17
- CORSAIR Launches VOXARA, Its First Premium USB Gaming Condenser MicrophoneBusiness Wire, Sep 17
- U.S. Bancorp (USB) Shares Fall 4.0% -- What GF Score of 75 Tells InvestorsGuruFocus, Sep 16
- Why is U.S. Bancorp stock sliding today?Investing.com, Sep 16
- U.S. Bancorp (USB) Presents at Barclays 24th Annual Global Financial Services Conference TranscriptSeeking Alpha, Sep 16
U.S. Bancorp peers
U.S. Bancorp’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| CMCanadian Imperial Bank of Commerce | Neutral | 3.3% below |
| NUNu | Accumulation | 15.5% below |
| TFCTruist Financial | Buying | 8.0% below |
| FITBFifth Third Bancorp | Accumulation | 10.0% below |
| MTBM&T Bank | Buying | 9.2% below |
| FCNCAFirst Citizens BancShares | Accumulation | 5.6% below |
A peer links to its own page where one exists.
U.S. Bancorp stock FAQ
What is U.S. Bancorp’s market cap?
U.S. Bancorp’s market cap is $93.56B at the Sep 18, 2026 close of $60.06, with 1.56B shares outstanding. The shares trade on a P/E ratio of 11.9.
What is the U.S. Bancorp stock forecast?
The consensus analyst 12-month price target for U.S. Bancorp is $70.33, +17.1% from the last close. Of the 18 firms that rated the stock in the last 90 days, 11 rate it a buy, 7 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.
Is U.S. Bancorp stock overvalued or undervalued?
On Gekko’s estimate U.S. Bancorp is undervalued: the Sep 18, 2026 close of $60.06 is 8.9% below Gekko Fair Value of $65.96. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does U.S. Bancorp report earnings next?
U.S. Bancorp is expected to report on Oct 15, 2026, before the market opens (25 days away). Analysts expect earnings of $1.30 per share on revenue of $7.96B. U.S. Bancorp beat the earnings estimate in 8 of its last 8 reports, moving 2.5% on average across the report.
What is U.S. Bancorp’s 52-week high and low?
U.S. Bancorp’s 52-week high is $66.08 and its 52-week low is $45.02; it closed at $60.06 on Sep 18, 2026, +21.1% over the past year.
Is U.S. Bancorp stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 3 of the 5 items with data read as supportive (gekkoindex, fair value and seasonality), 1 as mixed (trend) and 1 as a headwind (earnings risk). The checklist is a description of current data, not a recommendation.
How this page works
Prices and signals update after every US market close; the GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
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