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USUSB

U.S. Bancorp

$USB·$97B·Banks - Diversified·Financial Services
$64.24+0.4%YTD+20.0%1Y+40.1%
Mentions · last 7 days
2026-07-09: 154 posts2026-07-10: 226 posts2026-07-11: 84 posts2026-07-12: 148 posts2026-07-13: 309 posts2026-07-14: 181 posts2026-07-15: 253 posts1,361+12%
Price updated 8m ago·X counts updated 2d ago
USUSB
$USBU.S. Bancorp
$64.24+0.36%1.4k posts+12%
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Top X posts

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 numbersEvent coming upAI verdict · as of 2026-07-16

A known event soon (earnings, a ruling, etc.) will likely decide the next move.

Amazon Business Card partnership + earnings today — near 52-week high with 11% FCF yield, the compounder is running.

U.S. Bancorp is the 5th-largest US commercial bank whose 2026 tape has quietly compounded 18% YTD. Earnings drop today (July 16) and the setup is decisively event-ahead with a fresh Amazon Business Card partnership as the specific catalyst.

  • The core business is executing cleanly: Q1 2026 revenue grew 4.7% YoY to $10.8B, gross margin held at 62%, and operating margin was 23% with 11% trailing FCF yield — the loan-book + Payment Services segment is quietly compounding, and the 11x P/E is discounted vs the group average.
  • The Amazon Business Card partnership is a real product win: Amazon launched new Prime Business and Amazon Business Cards issued by U.S. Bank on the Mastercard network, offering Prime members 5% back on up to $150K of annual US purchases across Amazon, AWS, and Whole Foods — a genuine consumer-payments beachhead into the SMB segment.
  • The tape is technically extended but not overbought: position sits at 98% of the 52-week range and 3.2% dividend yield with 12.8% ROIC — real-business + event-ahead is the correct read into the July 16 print, and the setup is quiet-compounder-into-catalyst rather than crowded parabolic.

The July 16 Q2 earnings (today) are the immediate test — NII trajectory holding above the 4.7% Q1 pace, Payment Services fee growth accelerating on the Amazon card, and any FY26 guide movement extend the setup toward $70. NII miss or credit-quality softening stalls the tape near current highs.

Agrees with X sentimentX is bullish, cites U.S. Bancorp as a high-quality dividend stock (Morningstar Top 10, $10K decade ago = ~$27,774) and the fresh Amazon Business Card partnership. Mechanics validate: 11x P/E, 11% FCF yield, Q1 revenue +4.7% YoY at 23% operating margin, and the Payment Services expansion via the Amazon card is a real product win. The tape at 98% of 52-week range is the one honest tension — the July 16 print has to affirm.

What to watch: The July 16 Q2 earnings (today). Watch NII trajectory holding above the 4.7% Q1 pace, Payment Services fee growth on the Amazon card, and FY26 guide movement. NII miss or credit-quality softening stalls the tape near current highs; steady growth + Amazon-card contribution extends toward $70.

On the calendar: 2026-07-16 — Q2 earnings (today)

X sentiment

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

Bullish sentiment6 posts analyzed · as of 2026-05-20

U.S. Bancorp is bullish, framed as a high-quality dividend stock (Morningstar names it among its ten best, and a $10k investment a decade ago would be worth roughly $27,774). The fresh catalyst is Amazon launching new Prime Business and Amazon Business Cards issued by U.S. Bank on the Mastercard network, offering Prime members 5% back on up to $150,000 of annual U.S. purchases across Amazon, AWS and Whole Foods. The tone is constructive, anchored on the partnership and the bank's dividend-compounding track record.

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

Neutral — Fifth-largest US bank by assets, offering consumer, commercial, payment, and wealth management services with a strong payments fee-income franchise; limited exposure means the NIM compression from rate cut path offset by fee income and trading is not a near-term catalyst or headwind.

Top industry ETF

$KBESPDR S&P Bank ETF
+17.4%YTD
+24.4%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 $1.31

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 7 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$30.6B$30.2B – $31.0B$5.12$4.98 – $5.237
FY27$32.5B$31.9B – $33.4B$5.70$5.45 – $5.917
FY28$34.1B$34.0B – $34.2B$6.28$5.98 – $6.633

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.1.3×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.99%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.+11.1%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.+19.0%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatMega float · 1.5B shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today0.8% 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.β0.985-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

SellMay 5Venkatachari DilipSEVP & Chief Info & Tech Off34.5K sh$1.9MSellApr 21Jodi L RichardChair40.0K sh$2.3M
+ 46 other (24 awards · 22 inkinds) 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
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
8-KOfficer or director changeJan 298-K — Item 5.02: Officer or director change
8-KOfficer or director changeJan 288-K — Item 5.02: Officer or director change
+ 14 other (2 routine 8-Ks · 2 13Fs · 2 13Gs · 2 proxys) in window

Recent news

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

U.S. Bancorp Rides Payments Boom to Record Revenuepymnts.com·21h agoU.S. Bancorp (USB) Q2 2026 Earnings Call Transcriptseekingalpha.com·23h agoU.S. Bancorp Q2 Earnings Beat Estimates on NII & Fee Revenue Growthzacks.com·1d agoU.S. Bancorp: Deep Value, Loan Growth, 3% Yieldseekingalpha.com·1d agoCompared to Estimates, U.S. Bancorp (USB) Q2 Earnings: A Look at Key Metricszacks.com·1d ago

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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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