US Bancorp (USB) Stock Analysis
Verdict: HOLD
Expanding net interest margins and 5.16% yield cushion macro rate volatility, though insider sales and CRE credit risk remain key watchpoints.
Investment score: 63/100
Analysis as of
Is US Bancorp stock worth reviewing? AI model thesis
The model score of 63/100 falls in the HOLD range. The central thesis and factor breakdown explain the assessment.
7-factor investment score
- Valuation: 68/100 (weight 20%)
- Financial Health: 72/100 (weight 15%)
- Technical Momentum: 52/100 (weight 15%)
- Earnings Quality: 78/100 (weight 15%)
- Insider Sentiment: 30/100 (weight 10%)
- Analyst Consensus: 72/100 (weight 10%)
- Risk-Adjusted Return: 62/100 (weight 15%)
US Bancorp opportunities and risks
What speaks for USB
- Payment Services Eco-System Generates Sticky Fee Revenue
What speaks against USB
- Credit Losses in Commercial Real Estate and Corporate Loans
Peers and competitors
| Ticker | P/E | P/S | EV/EBITDA | Gross margin | Net margin | FCF yield |
|---|---|---|---|---|---|---|
| USB | 12.0x | 2.1x | 11.3x | 63.8% | 18.7% | 13.3% |
| JPM | 15.0x | 3.1x | 20.0x | 62.6% | 21.9% | -17.4% |
| BAC | 13.1x | 2.1x | 24.4x | 59.3% | 17.2% | 23.2% |
| WFC | 12.3x | 2.0x | 15.6x | 64.5% | 17.5% | 7.4% |
| C | 13.9x | 1.3x | 23.0x | 46.6% | 10.2% | -10.9% |
| PNC | 12.7x | 2.6x | 15.3x | 67.9% | 21.7% | 8.1% |
| Peer median | 13.1x | 2.1x | 20.0x | 62.6% | 17.5% | 7.4% |
Frequently asked questions about US Bancorp (USB)
Is USB stock a good investment?
The cached TradeMates AI model rates US Bancorp as HOLD with an investment score of 63/100. The model score of 63/100 falls in the HOLD range. The central thesis and factor breakdown explain the assessment. This is algorithmic model output, not personal investment advice.
Is USB stock a buy?
The TradeMates model verdict for USB is HOLD with an investment score of 63/100. Treat this as a model signal to review, not a personal buy recommendation.