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USUSB

U.S. Bancorp

$USB·$90B·Banks - Regional·Financial Services
$58.73+2.3%YTD+10.2%1Y+28.7%
Price updated 7h ago·X counts updated 5d ago
USUSB
$USBU.S. Bancorp
$58.73+2.33%223 posts7×
AI analysisFundamentalsVoices on X
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On X

The complete picture of $USB on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

223X posts · last 7 days
Sep 29Oct 11
Chatter Meter
7×
QuietNormal · 1×Loud

How loud $USB's conversation on X is versus its own normal — 1× is typical, higher means busier. Right now it's running louder than usual, louder than 100% of tracked names.

Neutral sentimentAI analysisGenerated by AI from underlying data6 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 what X is saying about $USB

  • Bullish vs bearish call — with the AI summary of the day's posts
  • Divergence flag when the top-engagement posts argue the other side
  • How loud the conversation is versus this ticker's own normal
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AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $USB — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Proven numbersStalledAI verdict · as of 2026-10-02

The move has stalled — likely just drifts unless something new shows up.

US Bancorp at 11.1x earnings — classic super-regional, consolidating below the 50-day into Oct 15 earnings.

U.S. Bancorp is the largest super-regional bank in the US — Consumer Banking, Commercial Banking, Payment Services, Wealth Management. The stock is up 10% YTD, consolidating below the 50-day MA on 1.4x normal volume into Oct 15 earnings.

  • The P&L is firm: revenue grew 4.7% YoY to $10.84B last quarter at a 23% operating margin and EPS $1.18 — stable growth with mid-20s margins is the defensive-super-regional profile that justifies the 11.1x P/E.
  • At 11.1x trailing earnings and 2x sales, USB is cheap relative to the Big Four — the Elavon B2B API 'Best API Award' win plus the Fed's potential higher-asset-threshold revision would benefit USB's compliance cost structure.
  • No material insider trading in the window; the volume at 1.4x normal into the Oct 15 print is modest-accumulation, not conviction either direction.

Stalled holds until Oct 15 earnings confirm net interest income growth above 4% YoY and Payment Services revenue trajectory holds. A soft NII print, or any specific commentary on consumer-credit charge-offs rising, is what tips this toward breaking-down; a dividend hike plus specific Fed-threshold-revision commentary is what breaks the stalled tape higher.

What to watch: Oct 15 earnings — net interest income growth above 4% YoY, Payment Services revenue, consumer-credit charge-offs, FY27 EPS guide. A soft NII print or widening credit-cost provisions is what breaks the stalled tape lower.

On the calendar: 2026-10-15 — Q3 FY26 earnings

Read the AI verdict on $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)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
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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 - Regional sits in its cycle right now — and what that implies for $USB.

Banks - Regional · Financial Services

No material change from last week — HDFC Bank securities fraud class action class deadline Sep 20 keeps litigation overhang on the India private banking thesis.

What this means for $USB

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

Top industry ETF

$KRESPDR S&P Regional Banking ETF
+6.4%YTD
+20.1%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
Q3 2026Oct 15, 2026$1.34$1.32+1.5%
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%
Next earningsTue, Jan 19·consensus EPS $1.42

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 – $31.1B$5.22$4.95 – $5.338
FY27$33.0B$32.7B – $33.7B$5.82$5.45 – $5.9710
FY28$34.9B$34.2B – $35.4B$6.43$5.80 – $6.767

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.2.2×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.65%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.-3.4%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.+1.6%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 today1.1% 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.β0.975-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

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

Recent transactions

SellAug 28Gunjan KediaCEO27.3K sh$1.7MSellJul 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
+ 14 other (11 awards · 2 exempts · 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
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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.

+ 9 other (2 13Fs · 2 10-Qs · 1 N-PX · 1 routine 8-K) in window

Recent news

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

U.S. Bancorp: 3 Key Takeaways for Long-Term Investorsfool.com·9h agoU.S. Bancorp Upgraded After Stellar Q3, As Commercial And Consumer Credit Demand Shinesseekingalpha.com·14h agoThese Analysts Revise Their Forecasts On U.S. Bancorp Following Q3 Resultsbenzinga.com·14h agoWhy Is U.S. Bancorp Stock Gaining Friday?benzinga.com·15h agoU.S. Bancorp: Thank You, Fed, Strong Growth Aheadseekingalpha.com·20h 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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