USB · US Bancorp
Price
Snapshot
50 fields · last close| Market Cap | $91.50B |
| P/E | 10.93 |
| Float | 1.56B |
| Beta | 1.05 |
| Volatility | 26.2% |
| Exchange | NYSE |
| Sector | Banking |
| Cap tier | Large cap |
| Macro sensitivity | Moderate |
| Clavix score | 82.7 |
| Price | 58.04 |
| Change | −1.17% |
| Prev Close | 58.73 |
| Open | 58.09 |
| Day Low | 57.94 |
| Day High | 59.17 |
| Avg Vol | 9 |
| Avg $ Vol | $525.7M |
| 52W High | 66.08 |
| 52W Low | 45.02 |
| 52W Pos | 61.8% |
| From High | −12.16% |
| From Low | +28.92% |
| Max DD 1Y | −16.21% |
| Spread | 0.10% |
| Liquidity | Deep |
| SMA 20 | +0.31% |
| SMA 50 | −4.58% |
| SMA 200 | +0.40% |
| RSI (14) | 50.5 |
| Vol 30D | 20.6% |
| Vol 90D | 21.0% |
| 1Y Range | 45–66 |
| Daily bars | 536 |
| Perf Week | +2.89% |
| Perf Month | −2.52% |
| Perf Quarter | −6.98% |
| Perf Half Y | +3.16% |
| Perf Year | +26.44% |
| Perf YTD | +7.62% |
| Prev Day | −1.17% |
| Clavix | A- |
| Debt / Eq | 0.61 |
| Curr Ratio | n/a bank |
| Int Cover | n/a bank |
| FCF Margin | n/a bank |
| Rev Growth | +4.4% |
| Profit | Profitable |
| Leverage | Moderate |
| Sector rank | 15 / 29 |
What USB does
U.S. Bancorp, a financial services holding company, provides various financial services to individuals, businesses, institutional organizations, governmental entities, and other financial institutions in the United States.
The company operates through Wealth, Corporate, Commercial and Institutional Banking; Consumer and Business Banking; Payment Services; and Treasury and Corporate Support segments.
It offers depository services, including checking accounts, savings accounts, and time certificate contracts; and lending services, such as traditional credit products and credit card services, lease financing and import/export trade, agricultural finance, asset-backed lending, and other products.
The company also provides cash management, capital markets, and trust and investment management services; and ancillary services comprising capital markets, treasury management, and receivable lock-box collection services to corporate and governmental entity customers.
In addition, it offers asset management and fiduciary services for individuals, estates, foundations, business corporations, and charitable organizations; and investment and insurance products to its customers principally within its domestic markets, as well as fund administration services to mutual and other funds.
Further, the company provides corporate and purchasing card, and corporate trust services; and credit card services, merchant and ATM processing, mortgage banking, insurance, brokerage and leasing services.
U.S. Bancorp was founded in 1863 and is headquartered in Minneapolis, Minnesota.
Clavix risk grade
regraded every trading dayUSB grades A-, 82.7 of 100. Steadiest on Macro Resilience (71), most exposed on News Sentiment (46, fragile). 1 of the 4 weighted dimensions sit above the Banking median. Ranks 15 of 29 in Banking by Clavix score.
How rough the ride is
| USB | Banking median | |
|---|---|---|
| Betavs the overall market · lower is steadier | 1.05 | 0.93 |
| Volatilityannualized | 26.2% | 23.3% |
| Max drawdown, past yearworst peak-to-trough fall | −16.2% | — |
| Typical daily movemedian absolute daily change | 0.83% | — |
| Days beyond ±3%of the last 252 sessions | 11 (4%) | — |
How its days are spread
Daily returns over the last 252 sessions in 1% bins. Moves beyond ±6% land in the end bins.
52-week range
The bar runs from the lowest to the highest close of the last 252 sessions; the marker is the latest close.
Drawdown from the 1-year peak
Percent below the running high over the last 12 months. Zero is a fresh high.
Market sensitivity
| USB | Banking median | |
|---|---|---|
| Beta to the markethow much it swings with the S&P 500 · lower is safer | 1.05 | 0.93 |
| Macro sensitivityrate, dollar and credit exposure bucket | Moderate | Moderate 90% of 30 |
Where it sits on the macro scale
Low means rates, the dollar and credit spreads barely move it. Very High means they drive a large share of its swings. The counts are how many Banking names sit in each bucket.
Where it ranks in its sector
Rank by Clavix score within the sector. Right is the top of the sector.
Price performance
| USB | |
|---|---|
| 1 week | +2.9% |
| 1 month | −2.5% |
| Year to date | +7.6% |
| 1 year | +26.4% |
Context for the rank, not itself a risk measure.
Recent coverage, scored
| USB | |
|---|---|
| Articles scoredthe most recent scored coverage, up to 30 | 30 since 25 Sep |
| Average score0 most bearish, 100 most bullish | 63 |
| Bullish · bearisharticles above 60 · below 40 | 19 · 4 |
| Directionarticles whose tone is improving vs worsening | 19 ↑ 4 ↓ |
Where the article scores land
Each bar is a 10-point band of article scores. Below 40 reads bearish, above 60 bullish.
Balance sheet, against the sector
The shaded band is the middle half of the 30 Banking names Clavix covers; the tick is the sector median.
Current ratio, FCF margin and interest coverage are not shown for USB: a deposit bank has no split of current assets and liabilities, and its operating cash flow swings with deposits and trading books rather than with the business.
Growth
| USB | |
|---|---|
| Revenue growthyear over year | +4.4% |
Financial Health is shown but does not count toward the grade. Why
0–100, higher is safer. The tick on each bar is the Banking median. Click a dimension for the evidence behind it. Financial Health is shown but does not count toward the grade.
Recent news
most recent scored articles · the chip is the article’s score · click to openAn analyst maintains a Buy on PNC Financial and Hold on U.S. Bancorp (USB) after Q3 results from both. The piece highlights a $560M gap: PNC repurchased that much stock last quarter while USB bought none, because USB is rebuilding its capital ratio ahead of stricter bank capital rules. USB's profit margin is expanding, though its BTIG acquisition has yet to contribute meaningfully.
Bank stocks have sold off sharply, with the KBW Bank Index down 13.7% from its August high by mid-October 2026. Oak Research highlights U.S. Bancorp and PNC as top watchlist picks, pairing rising net interest income with valuations near 11 times trailing earnings.
U.S. Bancorp's capital markets fee revenue (income from underwriting and advisory work) grew 69% compared to the same period a year earlier, and its Amazon small business credit card added $1.7 billion in loans outstanding at period end. The article's headline promises three takeaways for long-term investors, but the body only details these two points.
U.S. Bancorp reported record net revenue of $8 billion for Q3 2026, highlighting three areas for long-term investors: expanded institutional fee channels (including the BTIG broker-dealer acquisition) now making up nearly half of revenue, scaled specialized card and small business deals that build low-cost deposits and floating-rate loans, and capital rebuilding that sets up resumed stock buybacks.
U.S. Bancorp reported third-quarter 2026 net income of $2,202 million and earnings per share of $1.34, and raised its full-year 2026 net revenue growth outlook to a range of 8% to 9%. The bank credited BTIG, a firm it acquired, with adding to fee-based capital markets revenue, alongside stronger net interest income (what banks earn on loans minus what they pay on deposits).
Nearest peers by size
Banking| Ticker | Company | Grade | Mkt cap | P/E | Beta | |
|---|---|---|---|---|---|---|
| PNC | PNC Financial Services Group Inc | A- | $86.73B | 10.98 | 0.92 | Compare |
| NU | Nu Holdings Ltd. | B- | $70.33B | 19.50 | 0.94 | Compare |
| CM | Canadian Imperial Bank of Commerce | A- | $144.7B | 14.30 | 0.67 | Compare |
| TFC | Truist Financial Corp | B+ | $57.50B | 11.09 | 0.90 | Compare |
| BNS | Bank of Nova Scotia | A | $159.1B | 15.90 | 0.62 | Compare |
| BMO | Bank of Montreal | A- | $163.6B | 17.87 | 0.75 | Compare |
| FITB | Fifth Third Bancorp | A- | $45.68B | 21.02 | 1.02 | Compare |
| C | Citigroup Inc | B+ | $208.4B | 10.78 | 1.16 | Compare |
You just read one holding. Clavix reads the whole portfolio.
Every position you own, graded on the same five dimensions, with an alert when a grade moves. 1 month free on iPhone.