USB
US BANCORP \DE\Evidence as of 2026-09-03Overview · US BANCORP \DE\
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. It operates in Corporate and Commercial Banking, Consumer and Business Banking, Wealth Management and Investment Services, Payment Services, and Treasury and Corporate Support segments. The company…
Management team
- Mr. Adam C. Graves · Senior EVP and Head of Enterprise Strategy & AdministrationFind on LinkedIn
- Mr. Toby Clements · Senior EVP & Chief Operations OfficerFind on LinkedIn
- Ms. Gunjan Kedia · President, CEO & ChairmanFind on LinkedIn
- Mr. Alan Flanagan · Head of Global Investment ServicesFind on LinkedIn
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Links open LinkedIn searches, not verified profiles. Team data from our market-data vendor's company profile.
Moneyta sentiment
Where the published evidence leans after the desk debated it — not a rating or a recommendation.
+0.7 on a −2 to +2 scale.
What builds the score
Solid bars are analyst rubric scores; faded bars are computed directly from data. Claims dropped in debate count for nothing; weakened claims count at half weight.
Editor's note
Written after the debate settled — the rest of the page is the evidence behind it.
The surviving evidence establishes a constructive view (Constructive +0.7 of a possible +2; was +0.7 before debate) with high confidence. Reported revenues rose from $6,715,000,000 in fiscal Q1 2024 (fiscal quarter ended 2024-04-30) to $7,712,000,000 in fiscal Q2 2026 (fiscal quarter ended 2026-07-31), and quarterly net income increased from $1,319,000,000 in fiscal Q1 2024 to $2,177,000,000 in fiscal Q2 2026. Diluted earnings per share moved from $0.78 in fiscal Q1 2024 to $1.35 in fiscal Q2 2026, while total assets grew from $663,491,000,000 as of 2023-12-31 to $725,918,000,000 as of 2026-06-30 and stockholders' equity rose from $55,378,000,000 to $67,432,000,000 over the same interval.
Market and filing context is consistent: share price used in the packet is $62.77 as of 2026-09-02, trailing twelve‑month P/E is 12.92, market capitalization is $97,798,889,265 and enterprise value is $132,620,889,265, and multiple 424B3 prospectus supplements are recorded filed 2026-09-01. Coverage notes an expansion of the business‑banking footprint into several Sun Belt states, a CEO insider sale of 27,267 shares, and at least one valuation headline suggesting the stock may be undervalued. The report also documents increased repurchases (from $160,000,000 in fiscal Q1 2025 to $276,000,000 in fiscal Q1 2026) and roughly stable diluted share counts (~1,560,000,000 to 1,558,051,446 as of 2026-07-31).
How this note was made
every stage ran before the note was writtenAnalyst desk
Mercer, Oakes, Nash, Ellis, Yates, Talbot and Archer. The desk: named AI agents, not people. Each reads one slice of the evidence and nothing else — no outside knowledge, no browsing — so every finding traces to a source you can open.
Reads the XBRL figures companies file with the SEC — revenue, margins, income, debt and share count, quarter by quarter — and reports which way the trend is running.
Reported revenues rose from $6,715,000,000 in fiscal Q1 2024 (2024-01-01 to 2024-03-31, 3mo) to $7,712,000,000 in fiscal Q2 2026 (2026-04-01 to 2026-06-30, 3mo).
XBRL companyfacts · 0000036104-24-000037Quarterly net income increased from $1,319,000,000 in fiscal Q1 2024 (2024-01-01 to 2024-03-31, 3mo) to $2,177,000,000 in fiscal Q2 2026 (2026-04-01 to 2026-06-30, 3mo).
XBRL companyfacts · 0000036104-24-000037Reads the filings themselves, above all the year-over-year diff of Item 1A risk factors: which risks a company added, dropped or quietly reworded since its last annual report.
Which filings the desk reads
The desk reads the annual 10-K in full — its risk factors, and how they changed since last year. Quarterly 10-Qs and event filings (8-Ks, insider Form 4s) are listed for context but not read line by line: the 10-K is where the material risk disclosures live. A brand-new company, or one we have only just begun tracking, may have no annual report on file yet — its risk analysis fills in once that lands.
A 424B3 prospectus supplement with the 424B3 filed 1 September 2026 was filed on 2026-09-01.
424B3 filed 2026-09-01A 424B3 prospectus supplement with the 424B3 filed 1 September 2026 was filed on 2026-09-01.
424B3 filed 2026-09-01Reads the signal panel above — momentum, volatility, drawdown, relative strength and beta — and ranks each against the whole research universe rather than judging it in isolation.
No computed signal history for this symbol yet — signals need roughly 70 trading days of price history.
Reads which funds hold the name and at what weight, plus insider Form 4 filings, to show the exposure you may already carry through index funds.
As of 2026-09-02T13:45:47.228469+00:00, USB is recorded as a holding in the ETF with symbol IVV at a weight of 0.15% of that fund.
ETF constituents · market dataThe provided ownership evidence entry timestamp is 2026-09-02T13:45:47.228469+00:00 and lists a single ETF membership record for IVV.
ETF constituents · market dataReads recent headlines that are genuinely about this company, ignoring rating chatter and market-wide stories. Findings argue in the debate but never move the sentiment score.
Recent coverage includes multiple headlines about U.S. Bancorp expanding its business banking footprint into Florida, Georgia, Texas and Arizona, mentioning new markets, bank hires, and customer-facing roles.
News · finance.yahoo.com · 2026-09-02Separate outlets also reported the expansion and highlighted the addition of more than 50 new customer-facing roles tied to the Sun Belt business-banking push.
News · simplywall.st · 2026-09-01Reads parsed Forms 3/4/5 — who bought or sold, at what size, and whether a 10b5-1 plan was involved. Flags clustered open-market officer buying; treats plan sales as routine and never counts a fund or 10%-holder as an officer.
No insider transactions on file in the trailing 180 days.
Reads the implied-expectations math built from the company's own filings (the growth rate today's price would justify, and the multiples beside it) and argues whether the market's bar looks high or low for this business. Never turns the math into a target.
The share price used in this evidence is $62.77 as of 2026-09-02.
Valuation inputs · SEC XBRL + stored EOD closeThe trailing twelve‑month price-to-earnings ratio (P/E TTM) reported is 12.92.
Valuation inputs · SEC XBRL + stored EOD closeDebate and risk review
A bull and a bear contest the claims and the chair rules on each; the risk review stress-tests what survived.
A bull and a bear argue the analysts' claims across two rounds, then a chair rules on each one. Only what survives feeds the score — the argument is shown, not hidden, so you can judge the reasoning yourself.
The evidence set contains multiple, aligned signals that support a favorable operational and profitability read: revenues, quarterly net income, and diluted EPS each show material increases between early 2024 and Q2 2026, while total assets and shareholders’ equity also expanded over the 2023–mid‑2026 window. Reported share repurchases increased and outstanding shares remained roughly stable, which reinforces the EPS gains on a per‑share basis. Recent news items citing a targeted business‑banking expansion into several Sun Belt markets and steady analyst buy-side interest (11 buys vs. 7 holds in the street snapshot) provide context for growth initiatives and investor sentiment. The bear points about cash/debt and missing free‑cash‑flow metrics are valid limitations in the provided dataset, but those balance‑sheet and reporting gaps are single‑point caveats compared with the consistent multi‑quarter earnings and asset growth shown in the filings and earnings evidence.
Chair's verdict, claim by claim
Fragility · computed, not argued
diversified0.26
24 surviving claims rest on 16 distinct sources; the heaviest analyst carries 29% of them, and 98% of what the desk raised survived the debate.
The evidence base is moderately broad but somewhat fragile: 24 surviving claims come from 16 sources, so multiple points of data support the read, yet a single analyst contributed nearly a third of the claims and almost all proposed points survived the desk review — which raises the chance that the coverage reflects a shared narrative rather than fully independent checks. In practice, this means the findings are informative but should be weighted with caution until independent filings or additional diverse sources further corroborate key figures.
Disconfirming evidence · base rates · falsifiers
Context
Outside consensus, and where this name already sits in your own portfolio.
Third-party consensus shown for context. It never enters Moneyta sentiment — when the two diverge, the debate above is where the why lives.
What this was built from
Every figure on this page traces to one of these. The desk reads only what is listed here — no outside knowledge, no browsing — and each card shows who read it and what it contributed to the score.
23 filings· 1 cited
SEC XBRL filings
Quarterly figures as filed with the SEC, read straight from EDGAR's structured data — not retyped or estimated.
Read by Mercer+1.7 to the score
4 documents· 2 cited
SEC filing documents
The filings themselves, including the year-over-year comparison of Item 1A risk factors.
Read by Oakes+0.0 to the score
1 holdings record
Fund holdings
Which funds hold this name and at what weight, plus insider Form 4 filings.
Read by Ellis+0.5 to the score
8 headlines· 2 cited
News coverage
Recent headlines about this company, rating chatter excluded and nothing published after the report date.
Read by Yatesnothing survived
1 computation
Valuation inputs
TTM cash-flow figures from the company's own XBRL filings, priced with the stored closing price. Implied growth and multiples only; no fair-value dollar figure reaches the desk, by design.
Read by Archercontext only
1 record· 0 cited
Company profile
Sector, industry and company details.
1 record· 0 cited
Analyst consensus
Third-party consensus, shown for context only — it never enters Moneyta sentiment.
Read means we pulled and handed it to an analyst; cited means a claim on this page points at it. Reading twelve quarters to state one trend is normal — the gap is shown rather than hidden.
Written by AI, checked against sources
The analysts, the bull–bear debate and the editor's note are AI agents reading only the evidence listed on this page. They can misread a filing or a headline, which is why every claim cites a source you can open and check yourself. The sentiment score is arithmetic over the claims that survived the debate, not a language model's opinion.
Educational analysis of published data. Moneyta does not give investment advice or make recommendations. Past patterns do not indicate future results.
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The full terminal on USB Gold
Who holds it, who's buying, what the Street thinks: live behind the lock, updated as filings land.
Institutional holders
Net institutional flow, Q/Q
Largest holder position
Insider buys, 90 days
Clustered insider value
Street target range
The real figures are for members. Educational analysis, not advice.
Educational analysis of published data. Moneyta does not give investment advice or make recommendations.