Should I buy U.S. Bancorp stock in 2025?

What is U.S. Bancorp?

How much is the U.S. Bancorp stock?

The price of U.S. Bancorp stock is rising this week. Currently, shares trade at $43.76, marking a 1.23% increase over the past 24 hours and a 2.03% gain this week. U.S. Bancorp’s market capitalisation stands at $68.18 billion, with an average three-month trading volume of 11.39 million shares. The stock is valued at a price-to-earnings ratio of 10.83 and offers a dividend yield of 4.57%, with a beta near 1.00, suggesting balanced volatility. Investors in Ireland watching for consistent dividends and moderate risk may find U.S. Bancorp’s stable performance and attractive valuation worth considering.

Our full analysis on the U.S. Bancorp stock

Having thoroughly reviewed U.S. Bancorp’s latest financial results and evaluated the stock’s performance over the past three years, our team has synthesized fundamental indicators, technical trading signals, real-time market sentiment, and peer benchmarks using proprietary quantitative models. Against the backdrop of a rapidly evolving financial landscape and a leadership transition, U.S. Bancorp (USB) stands out with both resilient fundamentals and attractive value metrics relative to the broader U.S. regional banking sector. So, why might U.S. Bancorp stock once again become a strategic entry point into the banking sector for 2025?

Recent Performance and Market Context

U.S. Bancorp has delivered a strong rebound in its share price over the past 12 months, currently trading at $43.76, up 12.09% year-on-year, despite a modest year-to-date decline of -8.51%. This persistent recovery, even amid sector uncertainties and regulatory volatility, signals underlying confidence in the company’s forward trajectory. The modest 6-month pullback is reflective of temporary sector-wide pressures rather than company-specific weakness, and may present a compelling entry for strategic buyers.

Recent events are shaping a renewed positive outlook for USB. In Q1 2025, the company reported net income of $1.71 billion, up an impressive 29.6% year-on-year, while diluted EPS reached $1.03—beating consensus expectations by over 5%. Importantly, U.S. Bancorp has achieved positive operating leverage through disciplined cost control, further validating management’s strategic focus and operational efficiency.

On the macroeconomic front, regional banks are benefiting from the stabilisation of U.S. monetary policy and an improved interest rate environment, supporting net interest income growth. Concerns over credit risks and regulatory scrutiny appear to be largely priced into the sector, with leading players such as U.S. Bancorp positioned to outperform as consumer sentiment and business activity regain momentum, particularly in the American Midwest and West where USB has historic strength.

Technical Analysis

From a technical standpoint, U.S. Bancorp is manifesting several buy-side indicators on price action and chart patterns, underscoring its potential as a timely addition to portfolios:

• RSI (14-day) is currently in the 55–60 range, signalling strengthening momentum but not yet overbought—often seen as a precursor to upward trajectories.
• MACD (12,26,9) stands at 0.77, delivering a clear buy signal with positive divergence and short-term momentum in USB’s favour.
• Moving Averages show supportive technical structure:
• The 20-day and 50-day moving averages ($42.82–43.51) both sit below or right at the current share price, acting as solid support levels and corroborating the ongoing recovery.
• 100-day and 200-day averages present mixed but stabilising signals, consistent with a base-forming trajectory after the recent correction.
• Key support levels at $43.04–43.18 are being held convincingly, while resistance at $43.84–44.23 appears within reach—creating a technical “springboard” setup should momentum persist.

Consensus technical rating from multiple sources ranks USB as a “Strong Buy,” based on the aggregation of moving averages and momentum oscillators.

Fundamental Analysis

Fundamentals at U.S. Bancorp continue to validate investor optimism:

• Revenue Growth & Profitability: Q1 2025 total revenue rose to $6.96 billion (+3.6% YoY), with impressive net income growth (+29.6% YoY) and an EPS beat of 5.1% over analyst consensus. Return on tangible common equity improved to 17.5%.
• Valuation: USB trades at a P/E ratio of 10.83 and a price-to-book ratio of 1.28, both notably attractive versus the peer group average for U.S. regional banks and consistent with GARP (growth at a reasonable price) strategies favoured by institutional investors.
• Shareholder Returns: A robust and well-covered dividend of $0.50 per quarter (4.57% yield) adds further ballast, making USB a quality pick for income-oriented investors.
• Structural Advantages:
• Market share leadership as one of America’s top regional banks.
• Diversified income streams spanning core banking, payments, wealth management and digital channels.
• Well-established risk management culture, allowing the bank to navigate credit and regulatory cycles with resilience.

The latest 9% rise in book value per share (now $34.16) and a sustainable ROE above 11.5% further support the view that the fundamentals justify renewed interest at current multiples.

Volume and Liquidity

Trading activity in U.S. Bancorp remains robust, with average daily volume over the past three months at 11.39 million shares. This sustained liquidity points to significant market depth, facilitating easy entry and exit for both retail and institutional participants. The presence of a large, stable public float (1.55B shares) and substantial institutional ownership underpin dynamic valuation and a healthy trading ecosystem. Such liquidity can act as a buffer against volatility, making USB an appealing choice in both dynamic markets and long-term strategies.

Catalysts and Positive Outlook

The next phase of USB’s growth is anchored by several visible catalysts and a positive structural outlook:

• Leadership Renewal: The appointment of Gunjan Kedia as CEO—increasing diversity at the highest level and signalling a modern strategic vision—has infused fresh optimism and is likely to accelerate innovation, digital transformation, and new growth initiatives.
• Partnership and Brand Expansion: Recent exclusive collaborations with major sports leagues (e.g., Premier Lacrosse League, Women’s Lacrosse League) and renowned academic institutions (e.g., Gonzaga University) are broadening USB’s customer base and strengthening brand affinity.
• Operational Leverage: Q1 2025 marked a strategic inflection point with achieved positive operating leverage, demonstrating disciplined expense management and careful capital allocation.
• Favourable Interest Rate Cycle: With interest rate stabilisation, banks with healthy balance sheets and strong deposit franchises like USB are poised to boost both net interest margins and fee income.
• ESG and Digital Initiatives: Early adoption of ESG principles and ongoing investment in digital banking enhance community relevance and draw in next-generation clients.

Market sentiment is steadily improving, as evidenced by a growing number of analyst “Buy” ratings (TD Cowen’s recent upgrade) and upside analyst consensus price targets in the range of $49.65, suggesting a potential 13–14% increase from current levels. The combination of these catalysts points to a cycle of renewed value creation for shareholders.

Investment Strategies

Several strategic approaches appear particularly well-suited for U.S. Bancorp at current levels:

• Short-Term:
• The cluster of technical signals (RSI, MACD, moving averages) and robust support just below the current price create a favourable setup for tactical trades and quick momentum plays.
• Medium-Term:
• With Q2 earnings results and post-leadership transition operational updates expected soon, investors may seek to accumulate ahead of these catalysts for mid-term appreciation as new strategies materialise.
• Long-Term:
• For investors seeking steady compounding, USB’s combination of sound fundamentals, strong dividend yield, diversified revenue streams, and above-average return on equity provide an attractive long-horizon profile.
• Historic resilience, operational discipline, and a transparent capital-return policy mitigate cyclical banking sector risks.

In all these horizons, current entry levels appear opportunistic—offering exposure near technical lows and ahead of potentially value-enhancing catalysts, with a clear path toward both capital appreciation and reliable income.

Is It the Right Time to Buy U.S. Bancorp?

Pulling together the threads of technical momentum, fundamental strength, and multiple catalysts—U.S. Bancorp stands out as a clear candidate to benefit from a new bullish phase in regional banking, amplified by strategic leadership, solid capital management, and innovative partnerships. The compelling valuation (P/E 10.83), elevated dividend yield (4.57%), and strong Q1 2025 performance collectively underpin an optimistic projection for outperformance relative to sector peers.

For investors seeking resilient dividend income, exposure to U.S. economic recovery, and a best-in-class regional banking franchise, the case for renewed interest in U.S. Bancorp seems remarkably well-supported at present market levels. With robust buy-side technical signals and consensus analyst targets signalling meaningful upside, the current period may represent an excellent window to reassess or initiate a position—particularly as the next cycle of earnings and strategic rollouts approach.

U.S. Bancorp offers a rare confluence of value, stability, and growth momentum in today’s market—positioning itself as a strategic anchor for diversified portfolios in 2025 and beyond.

How to buy U.S. Bancorp stock in Ireland?

Buying U.S. Bancorp (USB) stock online is a simple and secure process for retail investors in Ireland, especially when using a regulated broker. Today, you can choose between buying real shares (spot buying) or trading via Contracts for Difference (CFDs), depending on your goals and risk preference. Spot buying allows you to directly own U.S. Bancorp shares, while CFDs offer flexible trading with leverage—without taking physical ownership. Both methods are available through leading online brokers, each with its own fee structure and features. For a detailed broker comparison, please see the comprehensive table further down the page.

Spot buying: Purchasing U.S. Bancorp Shares Directly

A cash or spot purchase means buying actual U.S. Bancorp shares, making you a direct owner eligible to receive dividends and vote at AGMs. When investing via an Irish-regulated broker, you’ll typically pay a fixed commission per trade, ranging from €4 to €10 (often displayed in euros), plus a modest currency conversion fee for USD purchases.

Example

Suppose the U.S. Bancorp share price is $43.76 and you want to invest $1,000 (about €925). Including an average brokerage fee of $5, you can buy roughly 22 shares:
- $1,000 (investment) – $5 (commission) = $995 available
- $995 ÷ $43.76 ≈ 22 shares

Gain Scenario:
If the share price rises by 10%, your shares are worth $1,100.
Result: +$100 gross gain, a 10% return on your initial investment.

Trading U.S. Bancorp via CFDs

CFD (Contract for Difference) trading lets you speculate on U.S. Bancorp’s price movements without direct share ownership. With CFDs, you can use leverage to amplify gains or losses. Instead of a fixed commission, brokers charge a “spread” (the difference between buy/sell price) and an overnight financing fee if your position is held for more than a day.

Example

You open a CFD position on U.S. Bancorp with $1,000 and 5x leverage.
- Total market exposure: $1,000 × 5 = $5,000

Gain Scenario:
If U.S. Bancorp stock rises 8%, your position grows by 8% × 5 = 40%.
Result: +$400 gain on your $1,000 stake (excluding spreads and overnight charges).

Final advice before investing

Fees, trading conditions, and account features can vary significantly between brokers, so be sure to compare options carefully—including commissions, spreads, and platform tools. Your ideal method—spot buying or CFD trading—will depend on your investment style, risk tolerance, and whether you wish to own the shares outright or prefer active trading with leverage. Explore the detailed broker comparison further down the page to make a confident and informed decision.

Our 7 tips for buying U.S. Bancorp stock

The latest news about U.S. Bancorp

U.S. Bancorp delivered strong Q1 2025 results, surpassing analyst expectations on both earnings and revenue. Net income reached $1,709 million, marking a 29.6% year-over-year increase, while diluted EPS stood at $1.03, beating consensus estimates by approximately 5%. Total revenue grew by 3.6% to $6.96 billion, and the bank posted a return on tangible common equity of 17.5%. This robust performance signals both operational efficiency and effective risk management, with positive operating leverage and disciplined expense control propelling results. These financial outcomes reinforce confidence among global investors, including those in Ireland, particularly given the current international focus on large-cap financial stability and growth.

Recent analyst sentiment has turned more positive, with a consensus ‘Moderate Buy’ and upgrades supporting upside expectations. TD Cowen’s initiation of coverage with a Buy rating, added to a consensus price target of $49.65 (representing a 13.5% upside from present levels), highlights increased conviction in the bank’s near-term prospects. Between 24 and 26 analysts actively cover U.S. Bancorp, lending credibility to the consensus view. This prevailing optimism, coupled with the stock’s attractive valuation—trading at a P/E of 10.83 and a price/book of 1.28—makes it an increasingly noteworthy option for institutional and individual investors across Ireland and Europe seeking U.S. banking sector exposure.

Technical indicators over the last week suggest a strengthening buy signal for the stock. Over the 7-day horizon, the stock has appreciated by 2.03%, supported by positive intraday momentum (+1.23% daily change). Key technical metrics show both the 20-day and 50-day moving averages providing consistent buy signals, while momentum oscillators like RSI (hovering between 55 and 60) and MACD (at 0.77) confirm sustained investor interest. Importantly, these technical patterns suggest ongoing accumulation and a favorable trading environment, strengthening the case for strategic additions to portfolios within Ireland looking for resilient U.S. financial names.

The company has reaffirmed capital strength while maintaining an attractive and secure dividend, fostering interest in international markets such as Ireland. U.S. Bancorp’s capital position remains solid, with book value per share up 9% year-over-year and a return on equity of 11.53%. The bank’s consistent dividend policy continues, with a quarterly payout of $0.50, translating to a 4.57% annual yield—a meaningful figure for Irish investors, particularly pension funds and income-focused portfolios. With global banks under scrutiny for dividend sustainability, USB’s track record and payout ratio offer reassurance, especially under the current U.S. regulatory environment.

Leadership transition to CEO Gunjan Kedia signals renewed focus on innovation and diversity, themes resonating with European investors. Gunjan Kedia’s recent appointment as CEO positions U.S. Bancorp as a progressive force within U.S. and global banking. As the first woman of color to lead a major U.S. lender, Kedia’s leadership is likely to strengthen stakeholder trust and reputation, aligning well with growing ESG considerations among Irish and European asset managers. This renewed focus on inclusive governance and strategic expansion has the potential to enhance the group’s international presence and attractiveness to socially conscious investors in Ireland, in line with prevailing responsible investment frameworks.

FAQ

P. Laurore

Finance expert

Co-founder of HelloSafe and holder of a Master's degree in finance, Pauline has recognised expertise in personal finance, which she uses to help users better understand and optimise their financial choices. At HelloSafe, Pauline plays a key role in designing clear, educational content on savings, investments and personal finance. Passionate about financial education, Pauline strives, with every piece of content she oversees, to provide reliable, transparent and unbiased information for independent and informed financial management. To this end, she has tested over 100 trading platforms to help internet users make the right choices.