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
Nov 4 close
$61.03+1.14 (+1.9%)
Gekko Brief
AI summaryNov 4 closeU.S. Bancorp's week centers on a leadership change in risk management, with Jodi L. Richard resigning as vice chair and chief risk officer effective 23 October, while Troy W. Remington steps in as interim chief risk officer alongside his existing chief credit officer duties. Separately, subsidiary U.S. Bank reported nine-month total interest income of $22.36 billion, including $16.9 billion from interest and fee income on loans. The company also completed an offering of 1,000,000 depositary shares tied to a new Series P preferred stock, and launched U.S. Bancorp Global Funds, an Ireland-domiciled offshore liquidity fund for non-U.S. investors.
Shares close at $61.03, up 1.9%, sitting above both the 50-day average of $59.76 and the 200-day average of $58.14. The stock has returned 6.5% over one month and 30.9% over the past year, though it is down 4.4% over three months. The GekkoIndex reads 51.7, placing USB in the Neutral zone, and the price sits 3.7% below Gekko Fair Value of $63.39.
Earnings are not due until 19 January 2027, 75 days away, placing the next report outside a typical 20-trading-day holding window. No insider, Congress or unusual options activity appears in the current window. Seasonality data shows the next 20 trading days have averaged a 5.2% gain over 5 years, rising in 4 of those years. Analyst consensus among 17 firms stands at 11 buy and 6 hold ratings, with a consensus target of $68.80, implying 12.7% upside.
Written by AI from the Nov 4, 2026 close and checked automatically against the figures on this page.
U.S. Bancorp price vs fair value
Close $61.03200-day averageGekko Fair Value $63.39
U.S. Bancorp quick facts
- Market cap
- $95.09B
- P/E ratio
- 11.8
- Forward P/E
- 10.3
- EPS, TTM
- $5.14
- Revenue, TTM
- $27.89B
- Profit margin
- 30%
- Dividend yield
- 3.53%
- Beta
- 1.03
- Volume
- 7.19M avg 7.31M
- 1-year return
- +30.9%
- Typical daily move
- ±2.1%
- Typical 20-day move
- ±5.7%
- 50-day average
- $59.76
- 200-day average
- $58.14
- Next earnings
- Jan 19 before open
- Shares outstanding
- 1.56B
U.S. Bancorp swing-trade checklist
U.S. Bancorp scores 3 supportive, 2 mixed and 0 headwinds across the 5 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
3 supportive2 mixed0 headwinds
- Trendsupportive
Above 50 and 200-day
Close $61.03 is above the 50-day ($59.76) and 200-day ($58.14) averages, and the 50-day is above the 200-day.
See the chart - GekkoIndexmixed
51.7, Neutral
Reading 51.7 is in the Neutral zone.
See the GekkoIndex - Fair valuemixed
3.7% below
Price is within 5% of Gekko Fair Value (3.7% below).
See fair value - Smart moneyno data
No data
No insider, Congress or unusual options activity in the window.
See smart money - Earnings risksupportive
Reports in 75 days
Next report Jan 19, 2027, 75 days away — outside a typical 20-trading-day hold.
See earnings - Seasonalitysupportive
+5.2% on average
From this point in the calendar, the next 20 trading days averaged +5.2% over 5 years, rising in 4 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 $61.03 on Nov 4, 2026, +30.9% 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
- +6.5%
- 3 months
- −4.4%
- 6 months
- +8.7%
- 1 year
- +30.9%
The full USB chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open USB in Gekko
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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 51.7, in the Neutral zone, down 2.5 points over five sessions.
51.7Neutral
Down 2.5 points over five sessions.
Reading for Nov 4, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying | 28 | +1.6% | +3.1% | ||
| Accumulation | 218 | +0.2% | +1.5% | ||
| Neutral (current zone) | 405 | +0.4% | +1.2% | ||
| 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, Neutral readings averaged +1.0% over 20 days. Past behaviour doesn’t guarantee future results.
Neutral zone: No clear directional signal. 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 3.7% below Gekko Fair Value of $63.39, so the shares are about fair value on Gekko’s estimate.
Gekko’s own estimate of what U.S. Bancorp shares are worth, recalculated every trading day.
$63.39
Gekko Fair Value, Nov 4, 2026
3.7% below fair value · About fair value
At the end of Aug 2026 the price was 9.0% below the estimate.
Gekko Fair ValueShare price, month end
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 Jan 19, 2027, before the open (75 days away), and beat the EPS estimate in 8 of its last 8 reports.
Next earnings report
Jan 19, 2027
Expected before the open, 75 days away
- EPS estimate
- $1.42
- Revenue estimate
- $8.08B
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 $68.80, +12.7% from the last close, from 17 firms rating the stock in the last 90 days.
$68.80consensus 12-month target, +12.7% from the last close
Now $61.03Avg $68.80
Low $61High $76
Each firm’s latest rating in the last 90 days: 17 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Nov 2 | UBS | $66 | +8.1% |
| Oct 30 | J.P. Morgan | $65.50 | +7.3% |
| Oct 26 | Wolfe Research | — | — |
| Oct 19 | Citi | $70 | +14.7% |
| Oct 19 | Bank of America Securities | $68 | +11.4% |
+1.2%average 20-day move after past Neutral readings
+5.2%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 Nov 4, U.S. Bancorp averaged +5.2% across the last 5 years, rising in 4 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | +2.6% | 4 of 5 |
| Next 10 trading days | +2.2% | 3 of 5 |
| Next 15 trading days | +4.0% | 4 of 5 |
| Next 20 trading days | +5.2% | 4 of 5 |
| Next 30 trading days | +7.2% | 3 of 5 |
For scale, USB’s typical 20-trading-day move in either direction is about 5.7%.
U.S. Bancorp market cap and key statistics
U.S. Bancorp’s market cap is $95.09B, with a P/E ratio of 11.8 and revenue of $27.89B over the last twelve months.
Valuation
- Market cap
- $95.09B
- P/E ratio
- 11.8
- Forward P/E
- 10.3
- EPS, TTM
- $5.14
- Gekko Fair Value
- $63.39
Trading
- Volume
- 7.19M
- Avg volume, 20 days
- 7.31M
- 52-week high
- $66.08
- 52-week low
- $45.02
- Shares outstanding
- 1.56B
Financials
- Revenue, TTM
- $27.89B
- Profit margin
- 30%
- Return on equity
- 12.8%
- Quarterly earnings growth, YoY
- +10.2%
Risk and income
- Beta
- 1.03
- Typical daily move
- ±2.1%
- Typical 20-day move
- ±5.7%
- Dividend yield
- 3.53%
U.S. Bancorp stock news this week
Coverage of U.S. Bancorp this week reads positive: 4 positive, 3 neutral and 3 negative headlines.
- US Bancorp stock faces open-ended risk leadership transitionad-hoc-news.de, Nov 4
- US Bancorp stock enters risk leadership transitionad-hoc-news.de, Nov 4
- U.S. Bancorp (USB-PR) Seasonal returns chartYahoo Finance UK, Nov 4
- U.S. Bancorp $USB Shares Newly Purchased by Associated Banc CorpDefense World, Nov 4
- US Bancorp stock faces interim risk leadership after Richard exitad-hoc-news.de, Nov 3
- US Bancorp (USB) executive's holdings include 28,185 unvested stock grants.Stock Titan, Nov 2
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 | 2.8% above |
| TFCTruist Financial | Neutral | 1.1% above |
| NUNu | Accumulation | 25.1% below |
| FITBFifth Third Bancorp | Neutral | 2.7% below |
| MTBM&T Bank | Neutral | 3.9% below |
| FCNCAFirst Citizens BancShares | Neutral | 1.3% above |
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 $95.09B at the Nov 4, 2026 close of $61.03, with 1.56B shares outstanding. The shares trade on a P/E ratio of 11.8.
What is the U.S. Bancorp stock forecast?
The consensus analyst 12-month price target for U.S. Bancorp is $68.80, +12.7% from the last close. Of the 17 firms that rated the stock in the last 90 days, 11 rate it a buy, 6 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 about fair value: the Nov 4, 2026 close of $61.03 is 3.7% below Gekko Fair Value of $63.39. 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 Jan 19, 2027, before the market opens (75 days away). Analysts expect earnings of $1.42 per share on revenue of $8.08B. 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 $61.03 on Nov 4, 2026, +30.9% 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 (trend, earnings risk and seasonality), 2 as mixed (gekkoindex and fair value). The checklist is a description of current data, not a recommendation.
How this page works
During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each 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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