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USUSB

U.S. Bancorp

$USB·$98B·Banks - Diversified·Financial Services
$62.48-0.5%YTD+20.4%1Y+29.3%
Mentions · last 7 days
2026-08-17: 13 posts2026-08-18: 10 posts2026-08-19: 5 posts2026-08-20: 14 posts2026-08-21: 7 posts2026-08-22: 2 posts53+4%
Price updated 3m ago·X counts updated 5d ago
USUSB
$USBU.S. Bancorp
$62.49-0.49%53 posts+4%
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Today's AI verdict on what's driving $USB, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Proven numbersAcceleratingAI verdict · as of 2026-08-25

The move is getting stronger, with heavier trading behind it.

The big regional bank at 11x forward with four consecutive EPS beats — up 30% in twelve months while the noise is a Solana memecoin sharing the ticker.

U.S. Bancorp is one of the largest US regional banks — commercial and consumer banking plus wealth management and payments services. The stock is up 30% over the trailing year and 20% year-to-date on a fundamentals-supported rerating from post-SVB-crisis lows.

  • The last four earnings surprises have all been beats: Q2 26 +5.5%, Q1 26 +3.5%, Q4 25 +5.9%, Q3 25 +7.9% — consistent execution against consensus for a full year
  • Q1 2026 revenue was $10.8B (up 4.7% year-over-year) with operating margin 24.8% and 62% gross margin — solid for a big regional in a normalized-rate environment
  • Analyst 2026 revenue estimate is $31B on $5.21 EPS, growing to $33B / $5.82 EPS by 2027 — the stock at $62.42 is 12x forward, cheap for the return profile and better than most large regional peers
  • Free cash flow yield is 11.1% — strong for a regulated bank at this scale
  • Debt-to-equity 1.2 is appropriate for a large-bank balance sheet
  • Beta 0.98 keeps it market-linked but not high-beta
  • Insider signal is null — no filings in the recent period; institutional flow is broadly positive (Zacks calling out as a top choice August 21)
  • Position in 52-week range is 81% — the rerating is confirmed but not exhausted

The cashtag chatter is entirely about a Solana memecoin ('Underwear Stealing Beaver' — no, really) sharing the USB ticker; the actual banking equity is quietly executing without much X noise.

What to watch: The Q3 print on October 15 needs the net interest income line holding — with rate cuts back on the table, NIM sensitivity is the specific number that either extends the accelerating trajectory or slows it.

On the calendar: 2026-10-15 — Q3 earnings

sentiment cashtag mismatch

X sentiment

What the X crowd is saying right now — descriptive, summarised from the day’s posts.

Neutral sentiment6 posts analyzed · as of 2026-07-28

USB chatter is exclusively about a Solana memecoin called 'Underwear Stealing Beaver' with the ticker $USB, framed as a CTO takeover after the original dev scammed and left. Cluster dynamics show 18.98% top-10 concentration and 44.24% sniper holdings. Content is entirely meme/CTO promotion; no US Bancorp banking discussion is present in the sample.

Read the AI verdict + X sentiment for $USB

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • X crowd read with bullish/bearish call + post volume
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What it does

Plain-English summary of the business — what they sell and how they make money.

Fifth-largest US bank by assets, offering consumer, commercial, payment, and wealth management services with a strong payments fee-income franchise.

Industry overviewAI analysisGenerated by AI from underlying data

Where Banks - Diversified sits in its cycle right now — and what that implies for $USB.

Banks - Diversified · Financial Services

No material change from last week — elevated NIM has padded bank earnings through 2025, but markets pricing Fed cuts through 2026 compress margins on the way down.

What this means for $USB

Partial — Fifth-largest US bank by assets, offering consumer, commercial, payment, and wealth management services with a strong payments fee-income franchise; partial earnings exposure to banks - diversified demand dynamics through its product portfolio.

Top industry ETF

$KBESPDR S&P Bank ETF
+17.4%YTD
+12.8%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
11.1How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
4.7%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
23.2%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
11.1%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
2.0Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
12.2%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
62.8%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
1.2Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Jul 16, 2026$1.35$1.28+5.5%
Q1 2026Apr 16, 2026$1.18$1.14+3.5%
Q4 2025Jan 20, 2026$1.26$1.19+5.9%
Q3 2025Oct 16, 2025$1.22$1.13+8.0%
Next earningsThu, Oct 15·consensus EPS $1.32

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q1 FY26$10.8B+4.7%61.7%24.8%$1.18$1.3B
Q4 FY25$11.0B+2.9%66.8%23.1%$1.26$2.8B
Q3 FY25$11.0B+2.0%61.1%23.0%$1.22$3.4B
Q2 FY25$10.5B-2.5%61.5%21.8%$1.11$2.0B

Forward consensus

3-year forecast · up to 10 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$31.0B$30.8B – $31.2B$5.21$4.95 – $5.328
FY27$33.1B$32.8B – $33.7B$5.82$5.44 – $5.9710
FY28$34.8B$33.6B – $35.4B$6.39$5.80 – $6.777

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.0.9×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.84%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.+0.3%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+11.8%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatMega float · 1.6B shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today0.4% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

SellJul 23James L ChosySenior EVP and General Counsel23.0K sh$1.5MSellJul 20Stephen L PhilipsonChair36.9K sh$2.3MSellMay 5Venkatachari DilipSEVP & Chief Info & Tech Off34.5K sh$1.9MSellApr 21Jodi L RichardChair40.0K sh$2.3M
+ 40 other (24 awards · 14 inkinds · 1 exempt · 1 gift) in window

See when $USB insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
Free, forever. No credit card.

SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

8-KPress release / Reg FDJul 168-K — Item 2.02: Earnings release · Item 7.01: Press release / Reg FD
AI summary

U.S. Bancorp reported financial results for Q2 2026 (quarter ended June 30, 2026) in a press release filed as Exhibit 99.1 on July 16, 2026, covering both a results of operations disclosure (Item 2.02) and a related Reg FD investor materials disclosure (Item 7.01). No specific financial figures appear in the body excerpt; the earnings details are in the attached exhibit. Routine quarterly earnings report for a major U.S. bank.

8-KShareholder voteApr 238-K — Item 5.07: Shareholder vote
AI summary

USB held its annual meeting of stockholders around 2026-04-23 (8-K Item 5.07). Routine governance event — monitor for unusually high withhold votes as an activist signal.

8-KPress release / Reg FDApr 168-K — Item 2.02: Earnings release · Item 7.01: Press release / Reg FD
AI summary

USB reported period ending 2026-04-16 financial results (8-K Item 2.02). Investors should review the full earnings press release and any management guidance for forward outlook.

8-KPress release / Reg FDApr 88-K — Item 7.01: Press release / Reg FD
AI summary

USB filed an 8-K Item 7.01 (Reg FD) disclosure dated 2026-04-08. Covers: presentation of its Consolidated Statement of Income and Consolidated Balance Sheet. Reg FD disclosures make material information simultaneously available to all investors; content may include guidance updates, strategic plans, or preliminary results.

424B5Prospectus supplement (offering)Mar 9424B5
S-3ASRAuto-shelf registrationMar 9S-3ASR
+ 14 other (2 13Fs · 2 10-Qs · 2 routine 8-Ks · 2 13Gs) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

U.S. Bancorp | BTIG Appoints Mangesh Ghogre as Managing Director, Metals & Mining Coveragebusinesswire.com·1d agoUSB DCF Analysis: Intrinsic Value $58 vs Price $62gurufocus.com·2d agoU.S. Bancorp (USB) Could Be a Great Choicezacks.com·6d agoZacks Industry Outlook U.S. Bancorp, State Street, and Northern Trustzacks.com·7d agoU.S. Bancorp (USB) Shares Fall 3.0% -- What GF Score of 75 Tells Investorsgurufocus.com·8d ago

In themes

Explore the broader themes this ticker is being talked about under.

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Voices on X · last 7 days

No standout posts about $USB on X in the last 7 days.

TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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