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Upturn AI Summary - About
U.S. Bancorp(USB)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for USB
10/29/2026: USB (4-star) is currently NOT-A-BUY. Pass it for now.
U.S. Bancorp is a major U.S. banking institution that combines a large traditional branch network with significant fee-based payment services. The company is known for its disciplined approach to risk management and operational efficiency, which has historically supported its profitability. Its primary growth opportunity lies in leveraging its digital transformation to capture more customer wallet share while integrating large-scale acquisitions. Key risks include the competitive landscape from fintech firms, potential economic volatility, and the execution complexity associated with consolidating business units. The stock may best suit value and dividend-focused investors seeking a stable, well-capitalized financial institution while monitoring the impact of interest rate cycles on future earnings.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company offers moderate growth potential, but it is primarily valued for stability rather than aggressive expansion. |
| Momentum investor | Weak fit | Banking stocks typically exhibit lower volatility and momentum compared to high-growth tech sectors. |
| Value investor | Strong fit | The company often trades at reasonable valuation multiples relative to its earnings and book value. |
| Dividend investor | Strong fit | U.S. Bancorp has a consistent history of returning capital to shareholders through regular dividend payments. |
| Low-risk investor | Strong fit | The company is recognized for a conservative risk profile and solid capital adequacy ratios. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Like most financial stocks, price movements are heavily influenced by interest rate expectations and economic outlooks. |
| Valuation risk | Low | The stock generally trades in line with historical bank multiples, limiting extreme valuation risk. |
| Competition risk (banking) | Medium | The bank faces constant pressure from both traditional banks and digital-first fintech disruptors. |
| Business quality | Strong | U.S. Bancorp maintains a strong market franchise and a reputation for solid operational management. |
| Dividend income | Strong | The dividend is supported by consistent earnings, making it a reliable source of income. |
| Execution risk | Medium | Successful integration of large acquisitions remains critical to maintaining efficiency and margins. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 30.08% | Avg. Invested days 51 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/29/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 92.86B USD | Price to earnings Ratio 11.6 | 1Y Target Price 68.27 |
Price to earnings Ratio 11.6 | 1Y Target Price 68.27 | ||
Volume (30-day avg) 8.0M shares | Beta 1.02 | 52 Weeks Range 43.35 - 65.47 | Updated Date 10/29/2026 |
52 Weeks Range 43.35 - 65.47 | Updated Date 10/29/2026 | ||
Dividends yield (FY) 3.52% | Basic EPS (TTM) 5.14 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and securities minus interest paid on deposits. | This is the core profit made from traditional lending activities. |
| Fee-Based Services | Service charges, trust fees, payment processing fees, and merchant service revenue. | This provides stable, recurring income that is less dependent on interest rate changes. |
| Geography (US) | Nationwide operations with strong concentrations in the Midwest and West. | The company’s performance is tied to the strength of the U.S. domestic economy. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2026-10-15 | When Before Market | Estimate 1.32 | Actual 1.34 |
Profitability
Profit Margin 30.01% | Operating Margin (TTM) 40.14% |
Management Effectiveness
Return on Assets (TTM) 1.2% | Return on Equity (TTM) 12.84% |
Valuation
Trailing PE 11.6 | Forward PE 10.33 | Enterprise Value 123.64B | Price to Sales(TTM) 3.33 |
Enterprise Value 123.64B | Price to Sales(TTM) 3.33 | ||
Enterprise Value to Revenue 5.72 | Enterprise Value to EBITDA - | Shares Outstanding 1.56B | Shares Floating 1.55B |
Shares Outstanding 1.56B | Shares Floating 1.55B | ||
Percent Insiders 0.12 | Percent Institutions 84.65 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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