Stock Ratings / Financials / USB / dividends

PNC (62) BNY (68) ITUB (51) BNS (66) ⌘ Pro Terminal →

U.S. Bancorp (USB) Dividend Safety Gauge & 10-Year DRIP Compounder

$59.45 -1.96% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $59.38

U.S. Bancorp (USB) earns a Roarable Rating of B- (Buy) with 70/100 RQD Confidence. High-quality cash engine (steady margins, 3% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

📊 Historical Track Record: Scores of 70/100 (B-) historically ranked in the Top 15% of excess returns over the next 90 days (+6.6% avg 90D alpha vs SPY • 68.1% hit rate) →

ROARABLE B- • BUY Cap $94.48B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on USB Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is USB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, U.S. Bancorp (NYSE: USB) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 70/100 at a spot price of $59.45 (-1.96% 1D, market cap $94.48B). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 16/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, USB ranks #114 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does USB compare to PNC and BNY in the Financials sector?

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Within the Financials sector (Major Banks), USB carries a Roarable B- (70/100 RQD), trailing P/E of 12.5x, gross margin of —, and ROIC of 3.0%. By comparison, PNC (PNC Financial Services Group Inc.) holds a C grade (62/100 RQD, P/E 36.8x, ROIC 1.2%, cap $92.49B) and BNY (The Bank of New York Mellon Corporation) posts a C+ grade (68/100 RQD, P/E 18.3x, ROIC 2.4%, cap $101.35B). Among the 5-stock peer group, USB leads on earnings multiple (12.5x) while ITUB leads on capital efficiency (9.9% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for USB?

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Per USB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000036104), U.S. Bancorp generated $28.66B in revenue (+4.4% YoY), $7.57B in net income, and $6.68B in free cash flow against $692.35B in total assets and $282.01B in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $59.38 (-0.11%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 9/20 (D) • 23.3% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 70/100 (B-) historically ranked in the Top 15% of excess returns over the next 90 days (+6.6% avg 90D alpha vs SPY • 68.1% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERBUY • B-

2-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B- · Rk B-

Each axis scored 0–20

12M PRICE TARGET CONE+5.4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for USB)Realized 20D OHLCV Swing Band: ±4%

Deterministic 5-Pillar Attribution (70/100 Composite)

🔍 WHY USB SCORES 70/100 (B-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▲ #2 Bullish Driver: Whale & Options Positioning+16/20 pts (23% of score)

20D Institutional Volume Accumulation (±4% realized swing band)

▼ #1 Drag / Risk Factor: Cash Engine Quality9/20 pts (-11 pt drag)

Capital intensity & 31.2% operating margin leave 11 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C+$56.89+3.9% Next Q

Q2 (-2Q)

Grade C+$59.09+1.1% Next Q

Q3 (-1Q)

Grade B-$59.74-0.5% Next Q

Current

Grade B-$59.45+6.6% Hist 90D α

Trajectory: C+ (62) → B- (70)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the USB Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 70/100 (B-) score, USB faces multiple-compression risk if 12.5x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($59.81) or 200D SMA ($58.11) invalidates the momentum regime and cuts Target Base ($62.66) toward Bear Floor ($48.75).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $USB• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “USB Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 70%NO 30%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

5.15% Total Yield

3.35% Cash ($1.99/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

88/100 • FORTRESS PAYOUT

FREE CASH FLOW PAYOUT RATIO

30.8% of FCF

8 consecutive years of payout growth

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (8.7% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $23,030

Est. Year-10 Shareholder Yield: $1,186/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$10.9K

Yr 1

$11.8K

Yr 2

$12.8K

Yr 3

$14.0K

Yr 4

$15.2K

Yr 5

$16.5K

Yr 6

$17.9K

Yr 7

$19.5K

Yr 8

$21.2K

Yr 9

$23.0K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in USB & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on USB and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

USB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +7.62%📐 WEDGE COMPRESSION COIL

2026-11-02O $59.60H $60.64L $59.45C $59.45VOL 5.83M

RES: $60.92SUP: $56.22SMA50: $59.81SMA200: $58.11

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

USB Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 USB Butterfly Map → + Track USB →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

3.3%/yr Implied 5Y Growth

vs. +4.4% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on USB today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for USB. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for USB today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (USB)

Financials Rank #114 of 1096 ⚔️ PNC vs USB Full Matrix →

1. Head-to-Head Financials Peer Comparison (USB vs. PNC, BNY, ITUB, BNS)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, U.S. Bancorp (USB) ranks #114 by composite RQD confidence (70/100, grade B-) and #35 by equity capitalization ($94.48B). Within this direct 5-issuer industry benchmark cohort, USB leads on earnings valuation at 12.5x trailing P/E, while ITUB leads on capital efficiency and profitability with 9.9% ROIC and — gross margin. USB currently leads its immediate peer cohort in composite quantitative strength at 70/100 (B-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
USB ACTIVE U.S. Bancorp	B-	70/100	12.5x	—	3.0%	-1.96%	$94.48B	Benchmark Subject
PNC PNC Financial Services Group Inc.	C	62/100	36.8x	—	1.2%	-1.71%	$92.49B	/pnc-vs-usb →
BNY The Bank of New York Mellon Corporation	C+	68/100	18.3x	—	2.4%	-1.51%	$101.35B	/bny-vs-usb →
ITUB Itau Unibanco Banco Holding SA American	D	51/100	32.8x	—	9.9%	-3.26%	$81.27B	/itub-vs-usb →
BNS Bank Nova Scotia Halifax Pfd 3	C+	66/100	32.8x	—	9.9%	-1.73%	$117.05B	/bns-vs-usb →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000036104

In its most recent audited fiscal period (FY2025, filed 2025-12-31), U.S. Bancorp (USB) reported GAAP revenue of $28.66B (+4.4% vs. FY2024 revenue of $27.45B , and +1.8% cumulative change since FY2023) , GAAP net income of $7.57B, operating cash flow of $7.97B, and free cash flow of $6.68B (-34.0% YoY). On the balance sheet, USB closed FY2025 with $692.35B in total assets against $282.01B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 8/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$28.66B	$7.57B	$7.97B	$6.68B	$692.35B	$282.01B
FY2024 (FY)	2024-12-31	$27.45B	$6.30B	$11.35B	$10.11B	$678.32B	$278.68B
FY2023 (FY)	2023-12-31	$28.14B	$5.43B	$8.39B	$7.13B	$51.96B	$12.16B

3. USB Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is USB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does USB compare to PNC and BNY in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for USB?

Where is USB trading relative to its 50-day, 200-day, and 52-week technical levels?

USB last traded at $59.45 (-1.96% on volume of 7,351,865 shares), positioning the stock -0.60% below its 50-day simple moving average ($59.81) and +2.31% above its 200-day simple moving average ($58.11). Across its 52-week range of $45.02 to $66.08, USB sits at the 68.5% percentile with a 14-day RSI of 58.2 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.0% ($57.07 to $61.83).

USB Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does USB pay a dividend and is it safe?

U.S. Bancorp (USB) offers a 3.35% cash dividend yield ($1.99 annualized) and 5.15% total shareholder yield including buybacks. Roarable rates its payout coverage as FORTRESS PAYOUT.

Direct Sub-Reports: USB RQD Cockpit USB 12M Forecast USB Earnings & Move USB Dividends & DRIP USB Insiders & 13F USB Whale Options USB Profit Sankey USB News & Why

ROARABLE RATING BRIEF • RQD 70/100 (B-) ✓ STAGE-C NUMBER FIREWALL VERIFIED

USB — U.S. Bancorp: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T15:09:54Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, USB scores 70 out of 100, a letter grade of B-, and the verdict label "Roarable Buy — Sound Institutional Accumulation." The five pillars are:

Fundamental Cash Engine: 9 / 20. This pillar carries the lowest score. The rating cites ROIC of 3% and an FCF yield of 7.07%. For a prospective investor, the weak ROIC figure, set against a comparatively strong FCF yield, points to a tension worth examining: cash generation looks solid relative to the market value, but the return on invested capital is modest.
Whale 13F Flow: 16 / 20. The rating characterizes institutional accumulation and options positioning as supportive. Investors should note that the source data does not include 13F holder detail (see Analyst View section), so this pillar cannot be independently traced in this dossier.
Insider Conviction: 17 / 20. The rating references SEC Form 4 and Congressional PTR cluster flow as positive. This is the second-highest pillar, but the supporting transaction detail is not present in the source data.
Macro Regime Fit: 13 / 20. The rating cites a beta of 0.96 and sector sensitivity. A beta near 1.0 implies market-like volatility, which tends to be neither a defensive shield nor an amplifier of market moves.
Forensic Balance Sheet: 15 / 20. The rating cites an Altman Z of 2.5, a Piotroski F of 8/9, and Debt/Equity of 0.5. These are the strongest forensic readings in the rating and suggest a healthy financial-quality profile.

Taken together, the rating points to a stock whose balance sheet and institutional/insider signals are more favorable than its return on invested capital. Upside drivers implied by the pillars include the Forensic Balance Sheet and Insider Conviction scores; valuation tradeoffs include the modest ROIC against a P/E of 12.5 and a Forward P/E of 11.6. The rating is an analytical scoring output, not a recommendation to act.

Snapshot

Price	Market Cap	P/E (TTM)	Forward P/E	EV/EBITDA	EPS (TTM)	Dividend Yield	Beta	52-Wk Range	ROIC %
60.64	$94.48B	12.5	11.6	26.6	4.86	3.35%	0.96	$45.02 - $66.08	3%

Business

Per the profile, U.S. Bancorp is a NYSE-listed issuer in the Financials sector, Major Banks industry. The profile does not describe its products, customers, or revenue model. Not available in source data for detailed business description beyond sector and industry classification.

Recent Catalysts & News Wire Analysis

Per the recent news feed, six items reference USB, sourced from Yahoo! Finance Canada, Beinsure, Benzinga, and Yahoo Finance:

Multiple items reference Q3 earnings, including headlines on analyst upside after Q3 earnings, stock climbing as Q3 earnings reinforce resilience, and a buy/sell/hold question post Q3 earnings.
One item (Benzinga) carries a GREEN "CATALYST" flag for a Friday stock gain; the remaining items are flagged YELLOW "MARKET WIRE."
One headline reports that analysts see 18% upside. The feed does not provide the underlying analyst target or methodology.
One headline suggests USB trades below fair value. The feed does not provide the valuation method.

Risk watch items: the news summaries are generic templates and do not provide substantive detail; the feed contains no disclosed negative catalysts. The butterfly graph lists no proprietary signals.

Butterfly Effect: 2nd-Order Supply-Chain & Sector Ripples

Per the Butterfly Supply-Chain Graph, supply_chain is "NONE," butterfly_links is empty, and proprietary_signals is empty. Not available in source data for upstream/downstream dependencies, sector correlations, or 2nd-order bottlenecks. The sector is Financials and industry is Major Banks, but no linkage data is provided.

Open Questions

What drives the discontinuity between FY 2023 debt ($12159.6M) and FY 2025 debt ($282012.3M), and is it a reporting change?
Why does the RQD rating assign a 9/20 to the cash engine when the FCF yield is 7.07%, and what components drive the 3% ROIC?
Which specific Form 4 insider and 13F whale transactions support the Insider Conviction (17/20) and Whale Flow (16/20) scores?
What is the underlying analyst consensus and price target behind the "18% upside" headline?
What are the bank's revenue sources, customer base, and business mix, given the source data gives only sector and industry labels?

USB Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for U.S. Bancorp (USB) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to USB Debate Forum (3) ↓

🟡 MARKET WIRE Yahoo! Finance Canada • 8h ago

U.S. Bancorp (USB) Stock Price, News, Quote & History

Yahoo! Finance Canada report covering U.S. Bancorp (USB) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Beinsure • 11h ago

U.S. Bancorp (NYSE: USB) stock price forecast: Analysts see 18% upside after Q3 earnings

Beinsure report covering U.S. Bancorp (USB) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Benzinga • 14h ago

Why Is U.S. Bancorp Stock Gaining Friday? - U.S. Bancorp (NYSE:USB)

Benzinga report covering U.S. Bancorp (USB) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 17h ago

U.S. Bancorp (USB) Stock Looks Below Fair Value At Current Levels