Cluenex
Log inStart free
All stocks · Financial Services · Diversified Banks

U.S. Bancorp USB

U.S. Bancorp scores weak on business quality (4.5 of 10). Here is why, in plain words, and what our sealed record shows.

Last price$57.08Oct 10, 2026
Business qualityWeak
Next earningsOct 15, 2026, before the open
Insiders, 90 daysSelling

Why it matters

  1. What U.S. Bancorp does

    U.S. Bancorp makes money by operating a traditional banking franchise, earning net interest income and fee income from consumer and commercial customers.

  2. What it does best

    U.S. Bancorp excels at generating a steady net margin of 26.4%, capturing profitable retail and corporate relationships across its regional footprint. This deposit franchise creates sticky customer relationships that are hard for purely digital rivals to replicate without expensive branch networks.

  3. The main risk

    Quarterly earnings pressure noted by analysts presents a primary near-term risk, threatening profitability if net interest margins compress further against elevated deposit costs.

Quality, check by check

Scored against its own industry, from company filings.

ProfitabilityWeak

Net margin stands at 26.4% with an ROE of 12.5%, reflecting steady profitability that does not heavily expand with scale.

MoatWeak

An ROE of 12.5% anchors its regional banking moat, locking in retail depositors, though its sector rank of 38 in ROE limits elite status.

GrowthSlow

Revenue grew 4.4% to $29.6B, landing in the 26th percentile of its sector and showing modest growth.

Financial healthFair

Debt-to-equity sits at 1.2 with total debt at $76.5B, while net income reached $7.8B, keeping balance-sheet reality stable.

Insiders

Executives and directors, from SEC Form 4 filings we read ourselves. Open market trades only; grants, option exercises and pre-planned sales left out.

3 sold $5.5M outside pre-planned sales.

Our sealed record on USB

Verdicts appear here 30 days after we publish them; members see today's. Each one is in the nightly ledger, fingerprinted the night it was made.

The first sealed verdicts appear here on Oct 11, 2026.

Questions

Is USB a good business?

U.S. Bancorp scores weak on the Cluenex quality check (4.5 of 10), measured against its own industry. Profitability is weak, moat weak, growth slow and financial health fair.

Are insiders buying USB?

In the last 90 days of SEC Form 4 filings: 3 sold $5.5M outside pre-planned sales.

When does USB report earnings?

Oct 15, 2026, before the open.

For members

See USB today

  • Today's verdict on USB, and why
  • Fair value with cautious, base and optimistic cases
  • The exact price that would change the verdict
  • Which stocks each signal names, the night it fires
Open in Cluenex Free to start. First month of Core free.

Cite this page: Cluenex, “U.S. Bancorp (USB)”, https://cluenex.com/stocks/usb/, data as of Oct 10, 2026.