USB · sample dossier
U.S. Bancorp
52/100
OutdatedGenerated Oct 10, 2026 · 10:00 AM UTC · 3 hours ago
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EquityU.S. BancorpXNYS
Decision context
HOLD
70% convictionScore 52 · Hold
A mixed picture — no strong reason to buy or sell right now.
The stock trades near our estimate.
Current price
$57.08
Estimated value range
$56.47 – $60.97
Gap vs AlphaDog estimate
+1.4%
Narrow evidence — range rests on a single usable method.
Valuation is aligned with fundamentals; future returns depend on operational execution.
Market context
Price
Price when available
Pick how far back the chart looks
1 month
-8.5%
3 months
-8.4%
6 months
+2.6%
1 year
+21.5%
Financial trajectory
Executive summary & thesis
U.S. Bancorp is an $88.93B market cap financial institution trading at a P/E multiple of 11.39 and a Price/Book of 1.47.
- Latest quarter EPS expanded 21.6% YoY alongside 10.2% YoY revenue growth, showing operating leverage as of July 16, 2026.
- Valuation provides downside support trading at an 11.39 P/E and 1.47 Price/Book with $8.05 free cash flow per share.
- 1-year return stands at 21.5%, while regional banking peer Truist Financial trades at a comparable 10.6 P/E.
- Price momentum has deteriorated with an -8.4% 3-month return and USB trading below both 50-day and 200-day moving averages.
- Net insider activity over the 3 months ending October 10, 2026 showed divestments of -$2.62M across 35,163 net shares sold.
- Asset efficiency is limited with ROA at 1.2%, while core leverage metrics like Debt/Equity are Not publicly available.
Things to keep in mind
- 1P/E 11.4xView source
- 2Price momentum has deteriorated with an -8.4% 3-month return and USB trading below both 50-day and 200-day moving averages.View source
- 3Net insider activity over the 3 months ending October 10, 2026 showed divestments of -$2.62M across 35,163 net shares sold.View source
What to watch next
Factor profile
Value-sensitive setup
| Factor | Score |
|---|---|
| Quality | 43 out of 100 (Neutral). Business health — profits, returns, and consistency. Higher means a more durable company. |
| Growth | 52 out of 100 (Neutral). How fast sales and earnings are rising. Higher means the business is expanding faster. |
| Value | 80 out of 100 (Elite). How cheap the stock looks for what you get. Higher means a more attractive price. |
| Safety | 50 out of 100 (Neutral). Balance-sheet cushion and fewer red flags. Higher means less risk of a nasty surprise. |
| Momentum | 34 out of 100 (Weak). Recent share-price trend. Higher means buyers have been in control lately. |
Another way to look at it
A calmer look at both sides of the U.S. Bancorp story
The consensus Bull victory rests on extrapolating a single earnings print from July 16, 2026, where EPS reached $1.35 and revenue hit $7.69 billion, while completely ignoring the absence of balance sheet leverage and asset quality data.
With Debt/Equity reported as N/A and ROA stagnant at just 1.2%, investors assume a 29.9% net margin is sustainable without evaluating credit provisions or loan charge-offs. The market is already rejecting this earnings extrapolation, dragging price returns down 8.5% over 1 month and -8.4% over 3 months below both the 50-day and 200-day moving averages. Insider actions reinforce this skepticism, registering -$2.62 million in net insider divestments over the 3 months ending October 10, 2026, including CEO Gunjan Kedia selling $1.70 million on August 28, 2026. Relying on an 11.4 P/E multiple as valuation support provides no margin of safety if credit costs normalize across an $88.93 billion market cap balance sheet.
Credit quality metrics such as non-performing assets, provision expenses, and net charge-offs were entirely absent from the debate while Debt/Equity is listed as N/A.
A low ROA of 1.2% provides minimal absorption capacity against deposit repricing or commercial credit degradation.
Core financial disclosures are aging toward staleness, with July 16, 2026 Q2 results 86 days old and April 16, 2026 filings already past the 90-day threshold as of October 10, 2026.
Extrapolating Q2 2026 YoY revenue expansion of 10.2% and EPS growth of 21.6% as enduring operational leverage rather than an interest rate cycle peak.
Touting downside support at an 11.4 P/E and 1.5 P/B when regional competitor Truist Financial trades at a lower 10.6 P/E.
Ignoring severe technical distribution indicated by price falling -8.5% in 1 month and trading below both its 50-day and 200-day moving averages.
Revenue growth YoY decelerates below 10.2%.
EPS growth YoY decelerates below 21.6%.
Cash after investing
Cash-flow details are thin for USB — check the Financials tab when you can.
- Revenue growth YoY decelerates below 10.2%.
- EPS growth YoY decelerates below 21.6%.
- Net margin falls below 29.9%.
For learning and research only — not investment advice. AlphaDog doesn’t hold stocks and isn’t your financial advisor.
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