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USB

US BancorpC
NYSE / Banks
Last Price
Quote time unavailable
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Current thesis
Second-quarter record revenue, positive operating leverage, lower year-over-year net charge-offs, and BTIG's added capital-markets capability support a constructive case if repeated in the October results. [#SEC-8K-2026-07-16]
Posture
Mixed
Lead driver
Value
What changed
3 setup hits (3d) with net bullish as of 2026-10-25.
What can break
BTIG integration expense may limit the earnings benefit from incremental capital-markets fees. [#SEC-8K-2026-07-16]
Momentum
45
Value
57
Sentiment
53
Setup hits (3d)
3 · Net Bullish
AI TargetsBase $58.00 · Bull $65.00 · Bear $49.00Analysis 2026-10-11; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-11 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-23

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Bullish
Target $68.32
Why
Momentum45 · Δ7d +11.1
Value57 · Δ7d +0.4
Sentiment53 · Δ7d -1.3
So what
Balanced signals (Net Bullish). Wait for confirmation before sizing up.

Confirming evidence

  • • 3 setup hits (3d) with net bullish as of 2026-10-25.
  • • Value remains the lead driver in the composite, 7D delta +0.4.

Contradictions & invalidation

  • • BTIG integration expense may limit the earnings benefit from incremental capital-markets fees. [#SEC-8K-2026-07-16]
  • • Credit losses or reserve needs could rise after the second quarter's 0.53% net charge-off ratio. [#SEC-8K-2026-07-16]
  • • BTIG added substantial expense alongside fees; a reversal in credit quality, deposit economics, or operating leverage could undermine the second-quarter improvement.

Catalyst clock

2026-10-15

October 15 results test whether second-quarter gains persisted

Lead driver: Value · See fundamentals
Momentum
45
8% active weight
Current posture
7d trendImproving
Δ7d
+11.1
Δ21d
+5.5
Value
57
47% active weight
Current posture
7d trendFlat
Δ7d
+0.4
Δ21d
-9.9
Sentiment
53
45% active weight
Current posture
7d trendSoftening
Δ7d
-1.3
Δ21d
-34.6
Why this grade

Composite grade C. Momentum 45.4 / Value 56.7 / Sentiment 53.1

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-11. Scenario method

B+
Bull case
25%
Probability
Target price
$65.00
Analysis reference price unavailable
Analysis 2026-10-11 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$58.00
Analysis reference price unavailable
Analysis 2026-10-11 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$49.00
Analysis reference price unavailable
Analysis 2026-10-11 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-23
Market Cap
$92.83B
Beta
1.08
Shares Out
1.56B
P/E (TTM)
12.7
P/S (TTM)
3.06
P/FCF (TTM)
13.45
Rev YoY
+6.0%
EPS YoY
+21.4%
Gross Margin
-
Op Margin
+24.8%
Net Debt
$32.46B
Current Ratio
0.56
As of 2026-10-23 • Updated nightlySource: Internal modelMethods & Data