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U.S. Bancorp (USB) Stock Rating & Analysis
As of October 7, 2026, MELANY rates U.S. Bancorp 67 out of 100 (Favorable). Its highest factor score is catalyst setup at 100, and its lowest is business quality at 44.
MELANY ratingRated 2026-10-07USB · composite score
About U.S. Bancorp
U.S. Bancorp is one of the largest regional banks in the US, with assets of around $700 billion and a footprint across 26 states, concentrated mainly in Midwestern and Western markets. Its product range covers retail and commercial banking, credit cards, mortgages, payment services, and trust, wealth, and capital market services.
Rating as of 2026-10-07 · this is a dated snapshot; the live rating is in the app (Pro, free for 30 days). The price above updates in real time.
How USB's rating has moved
- 0Past week, since Sep 30: score held at 67.
- +2Past four weeks, since Sep 9: score rose 2 points to 67.
Weekly points: Sep 9: 65 · Sep 16: 64 · Sep 23: 66 · Sep 30: 67 · Oct 7: 67 (this page).
From MELANY's own dated rating record. A tier change is reported as a move between named tiers; the score carries the direction.
Why USB scores 67/100
USB's 8 factor scores run from 44 to 100, and 3 of them sit above its composite of 67. Here is how USB breaks down.
Whether the price looks cheap or expensive against earnings, growth, and peers.
- P/E 11.4x vs sector 13.0x median
Margins, returns on capital, and balance-sheet strength.
Direction and relative strength of the recent share-price trend.
- 50-day MA above 200-day (golden cross zone)
History of beating or missing estimates, and where estimates are heading.
- Beat EPS estimates 4 of last 4 quarters
- Earnings in 8 days (strong beat history)
What Wall Street price targets and revisions are signalling.
Near-term events that could move the stock.
- Earnings in 8 days
Upside weighed against volatility and drawdown risk.
How the current rate and market regime suits this kind of company.
How USB compares
As of October 7, 2026, U.S. Bancorp is tied for 9th of 21 in Financial Stocks, where the average score is 66.
Key risks for USB
- No specific company-level red flags detected, monitor macro regime changes
Sector and theme context
U.S. Bancorp sits in the Financials / rate cycle theme, which MELANY currently rates 11/100 for strength. Theme strength feeds USB's momentum and catalyst factors above.
USB trade plan (Pro)
MELANY has a full position plan for U.S. Bancorp: a smart entry zone, an alert level, position sizing, and quarterly review triggers. It is part of Market Eyes Pro, and the first 30 days are free.
How MELANY rates USB
MELANY is a rules-based engine that scores every stock from 0 to 100 across eight weighted factors, then re-scores as new price, earnings, and fundamental data arrive. U.S. Bancorp's 67/100 reflects mature factor weighting for its profile. Position framework managed by score-based check-ins, not a fixed holding period.
Ratings are algorithmic and change with the data. They are research and education, not personalized investment advice.
Frequently asked questions about USB
Is U.S. Bancorp (USB) a buy?
As of 2026-10-07, MELANY rated U.S. Bancorp Favorable with a composite score of 67/100. That is a dated snapshot, not the live rating, and it is an algorithmic reading built from eight factors rather than personalized investment advice. Review the factor breakdown above and the disclaimer below before making any decision.
What is U.S. Bancorp's MELANY score?
U.S. Bancorp (USB) has a MELANY composite score of 67/100, combining valuation, business quality, price momentum, earnings track record, analyst sentiment, catalyst setup, risk-adjusted profile, macro fit.
How is the USB stock rating calculated?
MELANY scores USB from 0 to 100 across eight weighted factors using live market and fundamental data, then refreshes the rating automatically as new data arrives.
Should I buy U.S. Bancorp stock?
That decision is yours; Market Eyes Live does not give buy or sell advice. What the data says: MELANY rates U.S. Bancorp (USB) Favorable with a composite of 67/100 as of 2026-10-07. The factor breakdown above shows what is driving that, which is a better basis for a decision than any one-word verdict.
What is the USB stock price forecast?
MELANY does not publish price targets or forecasts for USB. Predicting a future price is exactly the kind of false precision the confidence framework avoids. Instead it scores today's setup, 67/100 across eight factors for U.S. Bancorp, and re-scores automatically as new price, earnings, and fundamental data arrive.
Is USB stock overvalued or undervalued?
MELANY's valuation factor currently reads 66/100 for U.S. Bancorp, where a higher score means the price looks more attractive on that measure. Scores in the 70s and above read as attractively priced, the mid range as roughly fair, and low scores as stretched. The factor breakdown above shows what drives USB's read.
What price should I buy USB at?
Rather than chasing the current price, MELANY computes a smart entry zone for USB: the price area where risk and reward actually favor a new position, plus an alert level and position sizing. The exact levels are part of Market Eyes Pro, which starts with a 30-day free trial.
What are the risks of buying USB stock?
The top risks MELANY currently flags for U.S. Bancorp: No specific company-level red flags detected, monitor macro regime changes. The rating on this page already weighs these against the bullish factors; see the risk-adjusted profile score in the breakdown above.
Is U.S. Bancorp a good long-term investment?
For long-term durability the two factors that matter most are business quality, which MELANY scores 44/100 for U.S. Bancorp, and earnings track record, at 78/100. The 67/100 composite blends those with six shorter-horizon factors. Durable quality at a fair price is the long-term case to test; this is research, not personalized investment advice.
Will USB stock go up?
Nobody can promise a stock's direction, and Market Eyes Live does not predict prices. The measurable part: MELANY's price momentum factor reads 56/100 for USB right now, and the catalyst setup factor tracks whether near-term events could move it. Both re-score automatically as the data changes.
How current is this USB rating?
The rating on this page is a snapshot of MELANY's read as of 2026-10-07. The price shown updates live, but the score is not recomputed on this page. MELANY re-scores USB continuously as new price, earnings, and fundamental data arrive, and the current rating is in the app (Pro, free for 30 days).
How this rating works
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