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Stock Ratings / Financials / USB
PNC (53) BNY (66) ITUB (51) BNS (65) ⌘ Pro Terminal →

U.S. Bancorp (USB) — RQD Stock Rating Cockpit

$60.49 +1.75% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $60.57

U.S. Bancorp (USB) carries a Roarable Rating of C+ (Hold) with 66/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ • HOLD / WATCH Cap $92.63B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on USB Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is USB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, U.S. Bancorp (NYSE: USB) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 66/100 at a spot price of $60.49 (+1.75% 1D, market cap $92.63B). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 12/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, USB ranks #189 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does USB compare to PNC and BNY in the Financials sector?
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Within the Financials sector (Major Banks), USB carries a Roarable C+ (66/100 RQD), trailing P/E of 12.5x, gross margin of —, and ROIC of 3.0%. By comparison, PNC (PNC Financial Services Group Inc.) holds a D+ grade (53/100 RQD, P/E 36.8x, ROIC 1.2%, cap $90.90B) and BNY (The Bank of New York Mellon Corporation) posts a C+ grade (66/100 RQD, P/E 18.3x, ROIC 2.4%, cap $99.81B). Among the 5-stock peer group, USB leads on earnings multiple (12.5x) while ITUB leads on capital efficiency (9.9% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for USB?
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Per USB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000036104), U.S. Bancorp generated $28.66B in revenue (+4.4% YoY), $7.57B in net income, and $6.68B in free cash flow against $692.35B in total assets and $282.01B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $60.57 (+0.13%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 9/20 (D) • 23.3% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 66/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.4% avg 90D alpha vs SPY • 56.0% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C+
025507510066
2-of-3 JEV AI Jury Bullish
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk B-
Cash (9)Whales (12)SEC (15)Macro (13)CEO (17)
Each axis scored 0–20
12M PRICE TARGET CONE+3.6% Base Target
$74 Bull$63 Base$49 Bear
📬 FREE USB RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for USB)Realized 20D OHLCV Swing Band: ±4%
Deterministic 5-Pillar Attribution (66/100 Composite)
🔍 WHY USB SCORES 66/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (26% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (23% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 8/9

▼ #1 Drag / Risk Factor: Cash Engine Quality9/20 pts (-11 pt drag)

Capital intensity & 31.2% operating margin leave 11 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
58
Grade C$56.26+5% Next Q
Q2 (-2Q)
61
Grade C$59.05+0.9% Next Q
Q3 (-1Q)
63
Grade C+$59.60+1.5% Next Q
Current
66
Grade C+$60.49+1.4% Hist 90D α
Trajectory: C (58) → C+ (66)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the USB Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 66/100 (C+) score, USB faces multiple-compression risk if 12.5x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($59.75) or 200D SMA ($58.14) invalidates the momentum regime and cuts Target Base ($62.67) toward Bear Floor ($48.88).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $USB• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “USB Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 66%NO 34%Trade / Inspect Odds →
RSI-14 MOMENTUMNEUTRAL RANGE
50.630 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCOREHIGH QUALITY (7–9)
8 / 99-Pt Accounting
52-WEEK LASER RANGE73% OF RANGE
L: $45$60.49H: $66
1. Money & Cash Health● WEAK
Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: DRQD 9 / 20
2. Big Money & Insiders● BUYING
Are whales & executives buying or selling?

Hedge funds and options traders are leaning bullish, showing strong institutional appetite.

Factor Grade: BRQD 29 / 40
3. Hidden Risks & Market Weather● ALL CLEAR
SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: B-RQD 28 / 40
MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bullish on USB

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
BEARISH (45)

3.0% ROIC with 42.0% gross margin and 7.07% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
BULLISH (75)

Altman-Z 4.20 and Piotroski 8/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
BULLISH (70)

29/40 institutional & smart-money positioning score with 13/20 macro alignment.

Bull Case: Why Buyers Like USB
  • ✓Company leadership has skin in the game with net positive insider conviction.
  • ✓Clean SEC annual filing review with no major hidden accounting time-bombs.
Bear Case: What Could Go Wrong
  • !Broader market pullbacks can still drag down strong stocks in the short run.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (USB Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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Join Founding VIP Waitlist (No Card Required) →$100K Arena
USB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +9.50%⚡ TESTING RESISTANCE
2026-11-03O $60.64H $60.64L $59.45C $60.49VOL 7.35M
RES: $60.85SUP: $56.26SMA50: $59.75SMA200: $58.14
$67.12$62.81$58.50$54.19$49.88RES $60.85SUP $56.26$60.492026-05-042026-06-182026-08-052026-09-212026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

USB Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 USB Butterfly Map → + Track USB →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
3.3%/yr Implied 5Y Growth

vs. +4.4% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on USB today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for USB. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for USB today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (USB)

Financials Rank #189 of 1097 ⚔️ PNC vs USB Full Matrix →

1. Head-to-Head Financials Peer Comparison (USB vs. PNC, BNY, ITUB, BNS)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, U.S. Bancorp (USB) ranks #189 by composite RQD confidence (66/100, grade C+) and #38 by equity capitalization ($92.63B). Within this direct 5-issuer industry benchmark cohort, USB leads on earnings valuation at 12.5x trailing P/E, while ITUB leads on capital efficiency and profitability with 9.9% ROIC and — gross margin. USB currently leads its immediate peer cohort in composite quantitative strength at 66/100 (C+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
USB ACTIVE
U.S. Bancorp
C+ 66/100 12.5x — 3.0% +1.75% $92.63B Benchmark Subject
PNC
PNC Financial Services Group Inc.
D+ 53/100 36.8x — 1.2% +1.67% $90.90B /pnc-vs-usb →
BNY
The Bank of New York Mellon Corporation
C+ 66/100 18.3x — 2.4% +0.46% $99.81B /bny-vs-usb →
ITUB
Itau Unibanco Banco Holding SA American
D 51/100 32.8x — 9.9% +0.56% $81.27B /itub-vs-usb →
BNS
Bank Nova Scotia Halifax Pfd 3
C 65/100 32.8x — 9.9% +0.33% $115.02B /bns-vs-usb →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000036104 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), U.S. Bancorp (USB) reported GAAP revenue of $28.66B (+4.4% vs. FY2024 revenue of $27.45B , and +1.8% cumulative change since FY2023) , GAAP net income of $7.57B, operating cash flow of $7.97B, and free cash flow of $6.68B (-34.0% YoY). On the balance sheet, USB closed FY2025 with $692.35B in total assets against $282.01B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 8/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $28.66B $7.57B $7.97B $6.68B $692.35B $282.01B
FY2024 (FY) 2024-12-31 $27.45B $6.30B $11.35B $10.11B $678.32B $278.68B
FY2023 (FY) 2023-12-31 $28.14B $5.43B $8.39B $7.13B $51.96B $12.16B

3. USB Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is USB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, U.S. Bancorp (NYSE: USB) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 66/100 at a spot price of $60.49 (+1.75% 1D, market cap $92.63B). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 12/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, USB ranks #189 in composite RQD confidence.

How does USB compare to PNC and BNY in the Financials sector?

Within the Financials sector (Major Banks), USB carries a Roarable C+ (66/100 RQD), trailing P/E of 12.5x, gross margin of —, and ROIC of 3.0%. By comparison, PNC (PNC Financial Services Group Inc.) holds a D+ grade (53/100 RQD, P/E 36.8x, ROIC 1.2%, cap $90.90B) and BNY (The Bank of New York Mellon Corporation) posts a C+ grade (66/100 RQD, P/E 18.3x, ROIC 2.4%, cap $99.81B). Among the 5-stock peer group, USB leads on earnings multiple (12.5x) while ITUB leads on capital efficiency (9.9% ROIC).

What are the biggest fundamental strengths and SEC risk factors for USB?

Per USB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000036104), U.S. Bancorp generated $28.66B in revenue (+4.4% YoY), $7.57B in net income, and $6.68B in free cash flow against $692.35B in total assets and $282.01B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is USB trading relative to its 50-day, 200-day, and 52-week technical levels?

USB last traded at $60.49 (+1.75% on volume of 5,625,515 shares), positioning the stock +1.24% above its 50-day simple moving average ($59.75) and +4.04% above its 200-day simple moving average ($58.14). Across its 52-week range of $45.02 to $66.08, USB sits at the 73.5% percentile with a 14-day RSI of 50.6 (NEUTRAL RANGE) and an implied next-earnings move of ±4.0% ($58.07 to $62.91).

Direct Sub-Reports: USB RQD Cockpit USB 12M Forecast USB Earnings & Move USB Dividends & DRIP USB Insiders & 13F USB Whale Options USB Profit Sankey USB News & Why
ROARABLE RATING BRIEF • RQD 66/100 (C+) ✓ SEC XBRL & RQD VERIFIED

USB — U.S. Bancorp: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

U.S. Bancorp (USB) earns a live Roarable RQD composite score of 66/100, corresponding to a C+ letter grade (Roarable Hold) at a spot price of $60.49 (+1.75% 1D, market capitalization $92.63B).

  • Fundamental Cash Engine (9/20): Anchored by return on invested capital (ROIC) of 3.0%, gross margin of —, operating margin of 32.2%, and free cash flow yield of 7.07%.
  • Whale 13F & Options Flow (12/20) + Insider Conviction (17/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (13/20) + Forensic Balance Sheet (15/20): Incorporates a 0.96x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 8/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

.S. Bancorp is a NYSE-listed issuer in the Financials sector, Major Banks industry. The profile does not describe its products, customers, or revenue model.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), U.S. Bancorp (USB) reported $28.66B in annual revenue (up from $27.45B in FY2024, +4.4% YoY) and $7.57B in GAAP net income. Over the multi-year SEC filing window from FY2023 ($28.14B revenue, $5.43B net income) through FY2025, USB scaled operating cash flow to $7.97B and free cash flow to $6.68B, backed by $692.35B in total assets against $282.01B in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C+ • RQD 66/100): Company leadership has skin in the game with net positive insider conviction. Clean SEC annual filing review with no major hidden accounting time-bombs. With Fundamental Cash Engine at 9/20 and Institutional Whale Flow at 12/20, sustained execution supports upside toward the upper end of the $45.02 – $66.08 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 12.5x trailing P/E and 26.6x EV/EBITDA against 32.2% operating margins and a 0.96x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Supply_chain is "NONE," butterfly_links is empty, and proprietary_signals is empty. — for upstream/downstream dependencies, sector correlations, or 2nd-order bottlenecks. The sector is Financials and industry is Major Banks, but no linkage data is provided.

  • Key Question #1: Can USB sustain or expand its 32.2% operating margin and 3.0% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $28.66B and free cash flow of $6.68B, how will capital allocation balance growth reinvestment against $282.01B in total debt?
  • Key Question #3: How sensitive is USB's 11.6x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 0.96x)?

USB Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for U.S. Bancorp (USB) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to USB Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

USB Bull vs. Bear Conversation Board — What's Your Call at $60.49?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON USB 🐻 33% BEARISH CONVICTION
1. Pick Your Side on USB:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
MA MacroHawk_NYC RQD DEBATE OPENER • Cross-Asset Macro Desk 🐂 BULLISH 🎯 Target: $70.75 (+19.0%)
📌 Pinned Debate

Strong forensic balance sheet (Piotroski F 8/9, Altman Z 2.5) combined with a 7.07% FCF yield and 11.6x forward P/E.

Don't sleep on USB's setup in Financials. Strong forensic balance sheet (Piotroski F 8/9, Altman Z 2.5) combined with a 7.07% FCF yield and 11.6x forward P/E.. Beta of 0.96 means it moves fast when momentum turns, and the 5-pillar RQD gauge (66/100) backs up the fundamental quality.

VolSurface_Trader 🐂 BULL

Both sides have a point here — USB's 15/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

SH ShortSeller_Dan RQD DEBATE OPENER • Forensic Short Bias 🐻 BEARISH 🎯 Target: $48.75 (-18.0%)
Spot @ $59.45

Modest 3% ROIC and a debt series that jumps from $12.16B to $282.01B raise questions about capital efficiency and reporting consist

Sitting on the sidelines or leaning short USB above $59.45. Modest 3% ROIC and a debt series that jumps from $12.16B to $282.01B raise questions about capital efficiency and reporting consistency.. Until Fundamental Cash Engine (9/20) and FCF yield (7.07%) inflect higher, upside is capped near $66.08.

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