USB:NYSEU.S. Bancorp Analysis
Data as of 2026-03-10 - not real-time
$52.13
Latest Price
6/10Risk
Risk Level: Medium
Executive Summary
U.S. Bancorp is trading at $52.13, below its 20‑day SMA of $56.45 and 50‑day SMA of $55.99, indicating short‑term price weakness, yet the 200‑day SMA remains supportive at $49.45. Technical indicators show a bearish MACD (line –0.99 vs signal –0.36) and an RSI of 34, suggesting the stock is approaching oversold conditions. Fundamentally, the stock offers a solid dividend yield of 3.9% with a comfortable payout ratio of 44%, a PE of 11.3 versus an industry average of 17.4, and a forward PE of 9.35, pointing to relative valuation attractiveness. Recent analyst coverage highlights a modest upside of ~23% and a target median price around $63, while the DCF fair value of $41.66 implies the market may be pricing in growth expectations beyond intrinsic estimates.
Market Outlook
Short Term
< 1 yearNeutral
Model confidence: 6/10
Key Factors
- Price below short‑term SMAs indicating near‑term downside pressure
- Bearish MACD and RSI in oversold territory
- Strong support at $50.32 and stable volume
Medium Term
1–3 yearsPositive
Model confidence: 8/10
Key Factors
- Valuation gap to target median price (~$63) offering upside
- Robust dividend yield and sustainable payout
- Positive earnings momentum with forward EPS growth
Long Term
> 3 yearsPositive
Model confidence: 9/10
Key Factors
- Consistent profitability (ROE ~12%) and stable cash generation
- Low relative valuation (PE well below industry average)
- Resilient business model in the regional banking sector with diversified revenue streams
Key Metrics & Analysis
Financial Health
Revenue Growth5.30%
Profit Margin28.72%
P/E Ratio11.3
ROE12.18%
ROA1.11%
P/B Ratio1.4
Op. Cash Flow$8.0B
Industry P/E17.4
Technical Analysis
TrendBullish
RSI34.1
Support$50.32
Resistance$61.19
MA 20$56.45
MA 50$56.00
MA 200$49.45
MACDBearish
VolumeStable
Fear & Greed Index75.89
Valuation
Fair Value$41.66
Target Price$64.18
Upside/Downside23.12%
GradeFair
TypeBlend
Dividend Yield3.90%
Risk Assessment
Beta1.02
Volatility30.51%
Sector RiskMedium
Reg. RiskMedium
Geo RiskLow
Currency RiskLow
Liquidity RiskLow
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This analysis may contain inaccuracies and is provided for informational and research purposes only. It is not personal investment advice, a recommendation, or an instruction to buy, sell, or hold any asset.