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Jan 22, 2022
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US Bancorp (USB, $55.08) misses Q4 earnings expectations

US Bancorp (USB, $55.08) misses Q4 earnings expectations

U.S. Bancorp reported fourth-quarter 2021 earnings per share of $1.07, which missed the Zacks Consensus Estimate of $1.11. The figure was 95 cents in the year-ago quarter.

The bank holding company’s total revenues fell -1.2% from the year-ago quarter to $5.6 billion. It marginally missed the Zacks Consensus Estimate of $5.76 billion.

Tax-equivalent NII was $3.2 billion in the reported quarter, down -1.6% year-over-year.

For full-year 2021, earnings per share was $5.10 per share, marginally missing the Zacks Consensus Estimate of $5.13. However, the  figure is substantially higher than the previous year’s $3.06 per share.

Related Ticker: USB

USB in upward trend: price rose above 50-day moving average on November 02, 2026

USB moved above its 50-day moving average on November 02, 2026 date and that indicates a change from a downward trend to an upward trend. In 26 of 39 similar past instances, the stock price increased further within the following month. The odds of a continued upward trend are 67%.

Price Prediction Chart

Technical Analysis (Indicators)

Bullish Trend Analysis

The RSI Indicator points to a transition from a downward trend to an upward trend -- in cases where USB's RSI Oscillator exited the oversold zone, 15 of 28 resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 54%.

The Stochastic Oscillator suggests the stock price trend may be in a reversal from a downward trend to an upward trend. 41 of 62 cases where USB's Stochastic Oscillator exited the oversold zone resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 66%.

The Momentum Indicator moved above the 0 level on November 09, 2026. You may want to consider a long position or call options on USB as a result. In 53 of 91 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 58%.

The Moving Average Convergence Divergence (MACD) for USB just turned positive on October 12, 2026. Looking at past instances where USB's MACD turned positive, the stock continued to rise in 22 of 44 cases over the following month. The odds of a continued upward trend are 50%.

The 10-day moving average for USB crossed bullishly above the 50-day moving average on November 02, 2026. This indicates that the trend has shifted higher and could be considered a buy signal. In 8 of 14 past instances when the 10-day crossed above the 50-day, the stock continued to move higher over the following month. The odds of a continued upward trend are 57%.

Following a +0.27% 3-day Advance, the price is estimated to grow further. Considering data from situations where USB advanced for three days, in 176 of 302 cases, the price rose further within the following month. The odds of a continued upward trend are 58%.

The Aroon Indicator entered an Uptrend today. In 157 of 297 cases where USB Aroon's Indicator entered an Uptrend, the price rose further within the following month. The odds of a continued Uptrend are 53%.

Bearish Trend Analysis

Following a 3-day decline, the stock is projected to fall further. Considering past instances where USB declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 61%.

USB broke above its upper Bollinger Band on October 22, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.

Fundamental Analysis (Ratings)

The Tickeron SMR rating for this company is 4 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.

The Tickeron PE Growth Rating for this company is 32 (best 1 - 100 worst), pointing to outstanding earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.

The Tickeron Price Growth Rating for this company is 44 (best 1 - 100 worst), indicating steady price growth. USB’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.

The Tickeron Seasonality Score of 50 (best 1 - 100 worst) indicates that the company is fair valued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.

The Tickeron Valuation Rating of 67 (best 1 - 100 worst) indicates that the company is slightly overvalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.528) is normal, around the industry mean (1.262). P/E Ratio (11.866) is within average values for comparable stocks, (13.480). Projected Growth (PEG Ratio) (1.773) is also within normal values, averaging (1.194). Dividend Yield (0.036) settles around the average of (0.035) among similar stocks. P/S Ratio (3.141) is also within normal values, averaging (3.740).

The Tickeron Profit vs. Risk Rating rating for this company is 71 (best 1 - 100 worst), indicating that the returns do not compensate for the risks. USB’s unstable profits reported over time resulted in significant Drawdowns within these last five years. A stable profit reduces stock drawdown and volatility. The average Profit vs. Risk Rating rating for the industry is 56, placing this stock worse than average.

Notable companies

The most notable companies in this group are US Bancorp (NYSE:USB), PNC Financial Services Group (NYSE:PNC), Itau Unibanco Banco Holding SA (NYSE:ITUB), Deutsche Bank Aktiengesellschaft (NYSE:DB), Huntington Bancshares (NASDAQ:HBAN), Banco Bradesco SA (NYSE:BBD), Regions Financial Corp (NYSE:RF), KeyCorp (NYSE:KEY).

Industry description

Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.

Market Cap

The average market capitalization across the Regional Banks Industry is 6.03B. The market cap for tickers in the group ranges from 147.87 to 173.74B. DBSDF holds the highest valuation in this group at 173.74B. The lowest valued company is VLYPP at 147.87.

High and low price notable news

The average weekly price growth across all stocks in the Regional Banks Industry was -1%. For the same Industry, the average monthly price growth was 2%, and the average quarterly price growth was 12%. FGBI experienced the highest price growth at 23%, while SHFS experienced the biggest fall at -62%.

Volume

The average weekly volume growth across all stocks in the Regional Banks Industry was -22%. For the same stocks of the Industry, the average monthly volume growth was -5% and the average quarterly volume growth was -3%

Fundamental Analysis Ratings

The average fundamental analysis ratings, where 1 is best and 100 is worst, are as follows

Valuation Rating: 51
P/E Growth Rating: 52
Price Growth Rating: 48
SMR Rating: 37
Profit Risk Rating: 55
Seasonality Score: 35 (-100 ... +100)
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published General Information

General Information

a major bank

Industry RegionalBanks

Industry
Major Banks
Address
800 Nicollet Mall
Phone
+1 651 466-3000
Employees
68520
Web
https://www.usbank.com
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