NASDAQ · STOCK
U.S. Bancorp
$63.01
52W $43.83 – $64.84
69/100
$98.15B
12.6
0.98
Is USB Bullish or Bearish?
Bullish.
Innellis AI committee rates U.S. Bancorp (USB) Buy with a composite score of 69/100
, based on 7 analysts with 86% agreement.
Last updated August 01, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +6.42 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -13.58 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The primary driver is revenue growing 84.1% yoy -- genuine top-line momentum. The main limiting factor is sector concentration is already high (hhi 2535.03). The committee is constructive but not yet at full conviction.
Bull & Bear Case
Bull Case
- P/E of 12.0 is inexpensive for the broad market — Value
- Price-to-book of 1.3x is a discount to asset value — Value
- Dividend yield of 3.3% pays you to wait — Value
- Revenue growing 84.1% YoY -- genuine top-line momentum — Growth
- 5 consecutive earnings beats -- consistent execution — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
Bear Case
- MACD histogram negative -- bearish momentum — Technical
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of August 01, 2026
Overall Committee Score
69/100
Agreement
86%
Analysts
7
Conviction
High
Sector Rank
Top 3%
of 141 Financial Services peers
Value Analyst
bullish
80
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 12.0 is inexpensive for the broad market
Growth Analyst
bullish
83
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 84.1% YoY -- genuine top-line momentum
Technical Analyst
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
− MACD histogram negative -- bearish momentum
Risk Analyst
bullish
70
/ 100 · Low confidence
Risk profile is manageable -- leverage, volatility, and event exposure all look contained
Macro Analyst
bullish
70
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
bullish
70
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.40 across 23 articles, 14d)
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2535.03)
Investment Thesis Evolution
Committee score strengthened from 64.5 to 68.6.
- Conviction changed from moderate to high.
- Committee agreement increased notably from 67% to 86%.
- New bearish signals: 2 appeared.
- Bullish support removed: 1 signal(s) disappeared.
- New bullish signals: 6 appeared.
- Bearish pressure eased: 2 signal(s) disappeared.
- Analyst(s) changed stance: Macro Analyst.
- New analyst(s) joined: Value Analyst.
Analyst-level changes:
- Growth Analyst: +1 bullish signal(s).
- Macro Analyst: stance neutral->bullish; score 58->70 (+12).
- News Analyst: +1 bullish signal(s).
- Portfolio Manager: +2 bearish signal(s).
- Technical Analyst: +1 bullish signal(s).
- Value Analyst joined: bullish at 80.
Comparing 2026-07-31 to 2026-08-01 (1 day apart).
Technical Analysis
RSI (14)
48.9
Neutral
MACD Histogram
-0.279
Bearish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Hh Hl
Bollinger %B
0.49
Inside Bands
Price vs Moving Averages
EMA 9
$63.28
Below
EMA 21
$62.61
Above
EMA 50
$60.44
Above
EMA 200
$55.23
Above
Fundamental Analysis
Valuation
100
Growth
88
Profitability
66
Financial Health
68
Cash Flow
70
Valuation
P/E Ratio
12.6×
P/B Ratio
1.45×
PEG Ratio
0.63
Dividend Yield
3.30%
52W High
$64.84
52W Low
$43.83
Quality & Growth
ROE
1162.1%
ROA
109.4%
Gross Margin
6378.3%
Operating Margin
2394.9%
Revenue Growth YoY
—
Debt / Equity
1.42
AI Fundamental Assessment
P/E ratio of 12.6 (inexpensive relative to a 15-40x range); Price-to-book of 1.5x; PEG ratio of 0.6 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 11.6%; Return on assets of 1.1%; Net margin of 18.7%; Gross margin of 63.8%; Current ratio of 1.78 (healthy short-term liquidity); Debt-to-equity of 1.42; Free cash flow per share is positive (6.17); Most recent quarter beat estimates by 4.7%; 5 consecutive earnings beats; EPS growth accelerating (-6.3% -> +14.4% QoQ); Average YoY EPS growth of 21.6%; Analyst estimates rising over recent quarters
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