U.S. BancorpUSB

Financial Services
Neutral

ASignal's systematic analysis rates USB as Neutral. U.S. Bancorp has a market cap of $97.22B, a P/E of 13.08, a 29.3% net margin, and 4.6% year-over-year revenue growth.

Reflects the latest available analysis · analyzed Jul 11, 2026

The case on USB

Bull vs bear, surfaced by ASignal's framework agents from public market data. The precise verdict: ASignal Rank, confidence, and price targets - is in the app.

Bull case
  • Positive MACD histogram indicating strengthening upward momentum
  • Price above SMA20 and SMA50, suggesting bullish trend structure
  • Forward P/E of 10.99x below current P/E, indicating potential valuation discount
  • Earnings growth of 14.8% year-over-year
  • Dividend yield appears elevated (data anomaly suspected)
  • Operating margin of 37.84% indicates strong profitability
VS
Bear case
  • RSI at 73.08, above 70 threshold, signaling overbought conditions
  • Price near upper Bollinger Band, increasing likelihood of pullback
  • Gross margin reported as 0.00%, which is inconsistent with banking business model
  • Missing key metrics: EV/EBITDA, free cash flow, debt-to-equity ratio
  • Dividend yield of 336% is a data anomaly, likely due to price/dividend mismatch
  • Revenue growth at 4.6% is modest for current valuation context

Key facts

Sector
Financial Services
Market cap
$97.22B
P/E ratio
13.08
Gross margin
0.0%
Net margin
29.3%
Rev growth YoY
4.6%
Price (Jul 11, 2026)
$62.41

Peers

Clustered with USB by analysis-profile similarity.

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See the full verdict on USB

ASignal Rank (1-4), confidence score, Buffett / Ackman / Dalio grades, price targets, and the full reasoning behind the call.

How ASignal analyzes USB

Most investors never get a second opinion, let alone several. ASignal runs USB past a panel of specialized investor-framework agents, each calibrated on a distinct school of investing: Warren Buffett's value discipline, Bill Ackman's activist lens, and Ray Dalio's macro view. They don't just score in isolation, they argue: a dedicated Challenger agent pushes back on every conclusion until the panel settles on a reasoned consensus, weighing fundamentals, macro conditions, market sentiment, and price action together. The kind of cross-examined read that takes a research desk hours, ASignal delivers in under two minutes, refreshed every cycle.

The signal direction and the bull and bear case above are free. The precise read, ASignal Rank, framework grades, price targets, and full reasoning, stays with subscribers.

U.S. Bancorp (USB) Stock Analysis - ASignal rates it Neutral