U.S. Bancorp Stock: Analyst Estimates & Ratings

Core Insights - U.S. Bancorp (USB) has a market capitalization of $72.6 billion and is a major player in the U.S. financial services sector, offering a range of banking and wealth management services [1] Performance Overview - U.S. Bancorp has underperformed the broader market, with a decline of 2.6% over the past year, while the S&P 500 Index has increased by nearly 19.6% [2] - Year-to-date in 2025, USB's stock has slipped 2.5%, contrasting with a 16.5% gain for the S&P 500 Index [2] Industry Comparison - Within its industry, USB has shown relative weakness, lagging behind the iShares U.S. Regional Banks ETF (IAT), which has seen marginal gains over the past year and a drop of 1.8% in 2025 [3] Earnings Report - On October 16, USB reported its fiscal 2025 third-quarter earnings, with revenue of $7.3 billion, reflecting a year-over-year increase of 6.8%, and earnings per share (EPS) of $1.22, an 18% increase from the previous year [4] - The bank's performance was bolstered by solid fee income growth and an improved net interest margin of 2.8%, aided by disciplined cost management and positive operating leverage [4] Analyst Expectations - For the current fiscal year ending in December, analysts project USB's EPS to grow by 13.1% to $4.50 on a diluted basis [5] - USB has a strong earnings surprise history, having beaten consensus estimates in the last four quarters [5] - Among 25 analysts covering USB, the consensus rating is a "Moderate Buy," with 12 "Strong Buy" ratings, one "Moderate Buy," 11 "Holds," and one "Strong Sell" [5] Price Targets - The mean price target for USB is $55.40, indicating an 18.8% premium to its current price, while the highest price target of $70 suggests a potential upside of 50.2% [6] - J.P. Morgan analyst Vivek Juneja has reiterated a "Sell" rating with a price target of $50 [6]