Market Eyes LiveU.S. Bancorp (USB) Stock Rating & Analysis
MELANY's data-driven read on U.S. Bancorp · National Commercial Banks.
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.
Why USB scores 64/100
MELANY scores U.S. Bancorp 64/100 by weighing eight factors. Here is how USB breaks down.
Whether the price looks cheap or expensive against earnings, growth, and peers.
- P/E 12.3x 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
What Wall Street price targets and revisions are signalling.
Near-term events that could move the stock.
Upside weighed against volatility and drawdown risk.
How the current rate and market regime suits this kind of company.
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 56/100 for strength. Theme strength feeds USB's momentum and catalyst factors above.
Tracking USB
U.S. Bancorp rates Hold right now, so MELANY is not flagging a fresh entry. Create a free account to add USB to your watchlist and get alerted the moment the rating changes.
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 64/100 reflects mature factor weighting for its profile.
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 2026-08-21, MELANY rated U.S. Bancorp Hold with a composite score of 64/100. 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 64/100, combining valuation, business quality, price momentum, earnings track record, analyst sentiment, catalyst setup, risk-adjusted profile, and 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) Hold with a composite of 64/100 as of 2026-08-21. 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, 64/100 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 61/100 for U.S. Bancorp, where a higher score means the price looks more attractive against earnings, growth, and peers. 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?
MELANY is not flagging a fresh entry for USB at its current Hold rating, so there is no entry zone to publish right now. Watchlisting USB in the free app gets you alerted the moment that changes.
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 80/100. The 64/100 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 65/100 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 2026-08-21. 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 that current rating is free in the app.
USB's live rating and alerts are free either way. The app is our flagship.