Should You Buy US Bancorp (USB) Today? Analysis, Price Targets, and 2026 Outlook.
Conclusion
Buy
Latest Price
55.740
1 Day change
-1.40%
52 Week Range
56.700
Analysis Updated At
2026/01/26
US Bancorp (USB) is a good buy for a beginner investor with a long-term strategy and $50,000-$100,000 available for investment. The company's strong Q4 2025 financial performance, positive analyst sentiment, and bullish technical indicators make it a solid choice for long-term growth. Despite insider selling, hedge fund buying and positive operating leverage trends further support the investment case.
Technical Analysis
The stock shows bullish moving averages (SMA_5 > SMA_20 > SMA_200), indicating an uptrend. The RSI is neutral at 58.755, and the MACD histogram is below 0 but negatively contracting, suggesting a potential reversal to the upside. Key resistance levels are at 56.2 and 57.02, while support levels are at 53.548 and 52.728. The pre-market price of 55.3 is above the pivot level of 54.874, which is a positive technical signal.
Options Data
Bullish
Open Interest Put-Call Ratio
Bullish
Option Volume Put-Call Ratio
The low option volume put-call ratio of 0.27 indicates a bullish sentiment, with significantly higher call volume compared to put volume. The implied volatility percentile of 75.6 suggests high demand for options, reflecting increased market interest.
Technical Summary
Sell
3
Buy
8
Positive Catalysts
Hedge funds are buying, with a 128.97% increase in buying activity over the last quarter.
Strong Q4 2025 financial results, including a 24.29% YoY increase in net income and a 24.75% YoY increase in EPS.
Analysts have raised price targets, with multiple Buy and Outperform ratings, and targets ranging from $59 to $
Positive operating leverage and revenue growth momentum heading into
The Union Bank acquisition is expected to drive revenue synergies.
Neutral/Negative Catalysts
Insiders are selling, with a 284.11% increase in selling activity over the last month.
The MACD is still below 0, indicating some bearish momentum.
Mixed market sentiment as reflected in recent news, with preferred stock slightly declining.
Financial Performance
In Q4 2025, US Bancorp reported revenue of $6.487 billion, up 4.34% YoY. Net income increased by 24.29% YoY to $1.965 billion, and EPS grew by 24.75% YoY to $1.26. The company delivered record revenue of $7.4 billion and projected revenue growth of 4%-6% for 2026, showcasing strong financial health and growth potential.
Growth
Profitability
Efficiency
Analyst Ratings and Price Target Trends
Analysts are bullish on US Bancorp, with multiple firms raising price targets following its Q4 earnings beat. Price targets range from $59 to $77, with most analysts maintaining Buy or Outperform ratings. Analysts highlight the company's strong CET1 ratio, ROTCE of 18.4%, and positive operating leverage as key strengths. The stock's valuation is also considered attractive by analysts.
Wall Street analysts forecast USB stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for USB is 58.87 USD with a low forecast of 50 USD and a high forecast of 75 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
20 Analyst Rating
Wall Street analysts forecast USB stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for USB is 58.87 USD with a low forecast of 50 USD and a high forecast of 75 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
12 Buy
7 Hold
1 Sell
Moderate Buy
Current: 56.530
Low
50
Averages
58.87
High
75
Current: 56.530
Low
50
Averages
58.87
High
75
Argus
Buy
maintain
$62 -> $63
AI Analysis
2026-01-22
Reason
Argus
Price Target
$62 -> $63
AI Analysis
2026-01-22
maintain
Buy
Reason
Argus raised the firm's price target on U.S. Bancorp to $63 from $62 and keeps a Buy rating on the shares after its Q4 earnings beat. The company has consistently met or exceeded medium-term goals including a high-teens return on tangible common equity and an efficiency ratio in the mid- to high-50s, and the firm also believes the operating leverage story merits a higher valuation, the analyst tells investors in a research note.
Truist
Hold
maintain
$58 -> $61
2026-01-21
Reason
Truist
Price Target
$58 -> $61
2026-01-21
maintain
Hold
Reason
Truist raised the firm's price target on U.S. Bancorp to $61 from $58 and keeps a Hold rating on the shares. The firm is updating its model to reflect the company's Q4 earnings beat, the analyst tells investors in a research note.
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