InsiderStreet Equity Research

Produced by InsiderStreet.ai from live production data. It is not investment advice, not an offer or solicitation to buy or sell any security, and not a recommendation for any investor. Do not rely on it for any investment decision.

Last Close

$58.73

2026-10-16

Market Cap

$91.5B

Volume

17.5M

52-Wk High

$66.08

52-Wk Low

$45.02

Trailing PE

11.4

P/S

2.08

Gross Margin

64.7%

Net Margin

19.0%

ROE

13%

ROIC

5%

Piotroski

8/9

Altman Z

-0.2

1-Yr Return

+28.6%

5-Yr Return

+48.1%

U.S. Bancorp (USB) functions as a broad-based financial services holding company, delivering a comprehensive spectrum of banking and financial solutions throughout the United States. Its diverse customer base includes individual consumers, various businesses, institutional organizations, governmental bodies, and other financial entities. The company organizes its operations across key segments: Corporate and Commercial Banking, Consumer and Business Banking, Wealth Management and Investment Services, Payment Services, and Treasury and Corporate Support. Its offerings encompass fundamental depository services such as checking accounts, savings accounts, and time certificates. U.S. Bancorp also extends a variety of credit facilities, including traditional lending products, credit card services, lease financing, support for import/export trade, asset-backed lending, and agricultural finance. Furthermore, it provides supplementary services like capital markets access, treasury management, and receivable lock-box collection for its corporate and governmental clients. The firm also offers a full suite of asset management and fiduciary services designed for individuals, estates, foundations, corporations, and charitable organizations. Beyond these, the company supplies investment and insurance products, predominantly to customers within its operating regions, and delivers fund administration services to a range of mutual and other investment funds. Its portfolio also includes corporate and purchasing card services, corporate trust management, and merchant processing. U.S. Bancorp's capabilities additionally span investment management, ATM network operation, mortgage banking, insurance provision, brokerage activities, and leasing services. As of December 31, 2021, the company distributed its products and services through a physical network of 2,230 banking branches, mainly concentrated in the Midwest and Western United States. Digital access was also extensively provided via online platforms, mobile devices, and other electronic channels. Additionally, it managed a network of 4,059 ATMs. Founded in 1863, U.S. Bancorp is headquartered in Minneapolis, Minnesota.

SectorFinancial ServicesIndustryBanks - RegionalExchangeNYSEMarket Cap$91.5BEmployees68,520 (SEC-filed)CEOGunjan KediaIPO1973-05-03CountryUS

800 Nicollet Mall, Minneapolis, MN 55402 · Tel 651 466 3000 · usbank.com

INSIDERSTREET SCORE59 / 100Street mean $68.80 (10 analysts, last qtr) — their number, not ours

INSIDER CONSENSUS SIGNALROUTINE SELLING — LOW SIGNAL$10M sold / 6 mo, zero open-market buys

1 Year vs S&P 500 · USB +28.6% · S&P 500 +15.9% · spread +12.8pp

7 Years vs S&P 500 · USB +48.1% · S&P 500 +189.9% · spread -141.8pp

Both charts indexed to 100 at the start of their window and drawn on a single shared scale, so the gap to the benchmark is the gap you see. Adjusted closes throughout.

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INSIDERSTREET
SCORE59of 100

Score Breakdown

Profitability	62/100
Growth	55/100
Momentum	83/100
Quality	76/100
Earnings Quality	99/100
Balance Sheet	39/100
Value	83/100
Risk (safety)	65/100
Overall	58.7/100

Each component is a diagnostic reading on its own 0-100 scale. The overall score is computed separately from the underlying financials and is not the average of the rows above — components are not equally weighted and three of them (Momentum, Value, Risk) are derived partly from price rather than from the business.

Peer Comparison — IS Score

Symbol	IS Score
PNC	51
NU	19
TFC	50
FITB	51
MTB	56
HBAN	59
USB	59

IS Score Trend — quarterly

14 quarters, 23 Q1 to 26 Q2. Peak 59 in 26 Q2, latest 59 — +0 since. Fell in 1 of the last 4 quarters. Dashed line marks 40 on the 0-100 scale.

BUSINESS QUALITY59 / 100IS Score 58.7 / 100 · +0.0 from peak of 59

Fundamental factor model, quarterly. Measures how the business is doing - not where the price is going.

PRICE STRUCTURELEAN BULLISHTechnical Score 63 / 100 · Power +26 · 17 of 22 indicator votes bullish

Vote share across trend, momentum, volume, volatility and pattern families. Describes where the price is, not where it is going.

Both readings sit above the midpoint — business quality at 59 and price structure at 63 out of 100 — so they are not in conflict. The fundamentals and the tape are saying the same thing, which is the case in which either one alone would have been enough.

Trigger	Where it stands now	What it would mean
IS Score reaches 75 and holds two consecutive quarters	now 58.7	would move us up one band
IS Score stops falling - one quarter higher than the prior	last four: 58 → 48 → 54 → 59	the direction matters more than the level
Technical vote share back above 50%	now 73%	price structure no longer broken
Institutional holder count rises two quarters running	peak 2,075 → now 2,075	fewer institutions willing to hold is our clearest warning

We publish these so the view can be shown to be wrong. If none of them move and our reading does, we owe you an explanation.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

This page is InsiderStreet's own reading, produced from the data in the rest of this document. It is not a price target and not investment advice. Analyst consensus and street price targets appear later under their own heading and are the street's numbers, not ours.

Site Convergence Score3 of 4top 4% of 29,420 symbols

Sources Aligned— of 3independent disclosures

Congress (180d)1 buys2026-06-02

Insider Buys (180d)0none disclosed

ETF Funds (30d)1562 up / 1237 downnet +325 funds

Institutions Added (13F)91managers opening or increasing

Congressional and insider figures are disclosed purchases in the trailing 180 days; ETF figures are COUNTS OF FUNDS whose holding changed in 30 days, not dollars. Coincidence of separate disclosures, not coordination. An absent source means nothing qualifying was disclosed in its window.

Institutions holding — 12 quarters

Peak 2,075 · latest 2,075 (+0 from peak).

Quarter	Holders	13F shares	Value	Reported own%
2026 Q2	2,075	1283.4M	$75.6B	82.6%
2026 Q1	1,984	1246.5M	$62.7B	80.2%
2025 Q4	2,014	1261.0M	$65.2B	81.2%
2025 Q3	1,874	1211.6M	$58.2B	78.0%
2025 Q2	1,844	1251.5M	$56.0B	80.5%
2025 Q1	1,826	1240.4M	$51.7B	79.8%
2024 Q4	1,859	1260.6M	$60.1B	81.1%
2024 Q3	1,723	1220.7M	$54.6B	78.5%
2024 Q2	1,681	1218.2M	$47.5B	78.4%
2024 Q1	1,711	1223.8M	$53.7B	78.8%
2023 Q4	1,716	1215.1M	$51.5B	78.2%
2023 Q3	1,577	1219.3M	$39.5B	78.5%

How to read ownership above 100%. A 13F reports the positions a manager has investment discretion over, and where two or more managers share discretion over the same block, each one reports it. Summed across filers, the total can therefore exceed the shares actually outstanding without anything being wrong. We publish the figure as filed rather than netting it down, and flag separately any quarter where the arithmetic is not merely high but impossible.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Insider	Role	Date	Type	Shares	Value	Post-Txn Owned
Kedia Gunjan	director, President & CEO	2026-08-28	EXERCISE	27,267	$1.50M	453,529
Kedia Gunjan	director, President & CEO	2026-08-28	SELL	27,267	$1.70M	426,262
Kedia Gunjan	director, President & CEO	2026-08-28	EXERCISE	27,267	$1.50M	0
Chosy James L	Senior EVP and General Counsel	2026-07-23	EXERCISE	24,711	$1.36M	275,652
Chosy James L	Senior EVP and General Counsel	2026-07-23	SELL	22,968	$1.45M	252,684
Chosy James L	Senior EVP and General Counsel	2026-07-23	EXERCISE	24,711	$1.36M	0
Chosy James L	Senior EVP and General Counsel	2026-07-21	GIFT	3,969	—	250,941
Philipson Stephen L	Vice Chair	2026-07-20	SELL	36,906	$2.33M	74,969

6-mo decomposition (Form 4)	Txns	Shares	Value	Signal weight
S — Open-market sales	5	161,663	$9.7M	Counted
M — Exercises (paired A/D)	2	51,978	$2.9M	None — mechanics
F — Tax withholding	37	309,593	$17.0M	None — compensation
G — Gifts	1	3,969	—	None
P — Open-market purchases	0	0	$0	Counted — none occurred

Monthly Net Insider Flow (000 shares)

Net of acquisitions minus dispositions, all Form 4 types.

Signal Summary

SignalRoutine Selling — Low Signal

Open-Market Sells$9.7M5 txns / 6 mo

Open-Market Buys$0.0M0 txns / 6 mo

ClusterNone active3+ insiders / 21 days

Member	Chamber	Trade	Size band	Traded	Disclosed
Ro Khanna	House	BUY	$1,001 - $15,000	2026-06-02	2026-07-08
Ro Khanna	House	BUY	$1,001 - $15,000	2026-04-13	2026-05-13
Gilbert Cisneros	House	SELL	$1,001 - $15,000	2025-09-26	2025-10-13
Jerry Moran	Senate	SELL	$1,001 - $15,000	2023-12-14	2024-01-17
Jerry Moran	Senate	SELL	$1,001 - $15,000	2023-12-14	2024-01-17
Jerry Moran	Senate	SELL	$1,001 - $15,000	2023-12-14	2024-01-16

House 12-Mo6 trades2 purchases

Senate 12-Mo0 tradesNone purchases

CoverageSTOCK Act filings30-45 day disclosure lag

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

13F Filers (last complete Q)1,984

13F Shares1.25B80.2% of shares out

New / Closed143 / 136positions, QoQ

Increased / Reduced782 / 730positions, QoQ

Put/Call (13F)1.33option positions

Free Float99.7%1.55B sh

2.8 · Largest Reporting 13F Managers

Manager	Shares	Value
Confluence Investment Management L	1.7M	$97M
Douglas Lane & Associates, Llc	1.4M	$81M
Fort Washington Investment Advisor	1.2M	$68M
Tetrad Corp	710,000	$41M
Deprince Race & Zollo Inc	681,496	$39M
Matrix Asset Advisors Inc/Ny	666,736	$39M

EDGAR 13F holdings as of 2026-09-30; filer values normalized to dollars.

2.9 · Top ETF & Fund Ownership

Fund	Weight	Position
VITSX	0.1%	$2.9B
VSMPX	0.1%	$2.9B
VTSAX	0.1%	$2.9B
VTI	0.1%	$2.9B
VFINX	0.1%	$2.4B
VOO	0.1%	$2.4B

13F Filers Holding USB — quarterly

Institutional Put/Call — quarterly

Daily short-sale volume as % of volume reported in FINRA's short-sale file — a flow measure, not short interest; dashed = 50-day average.

Latest Session63.5%2026-10-15

20-Day Avg47.7%50-day 49.3%

TrendFalling20d vs 50d

By Market CenterQ: 63% · N: 74% · B: 61%latest session

Weekly Notional ($B)

Where USB Trades in the Dark

ATS Venue (4-wk)	Shares	Avg trade
Incr Intelligent Cross Llc	9.7M	85 sh
Ubsa Ubs Ats	5.6M	60 sh
Ebxl Level Ats	5.5M	44 sh
Mstx Ms Trajectory Cross (Ats-1)	3.6M	90 sh
Sgmt Sigma X2	3.1M	77 sh
Pure Purestream	2.8M	49 sh

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Where a dollar of U.S. Bancorp revenue goes. All values FY2025 filings, live.

USB (live moat model)Peer median: PNC · NU · TFC · FITB · MTB

Component scores from the live moat model. Peer median illustrative.

Moat score 49/100 — Weak; primary source Efficient Scale.

3.8 · Employees (SEC filings)

Officer	Title
Gunjan Kedia	President, CEO & Chairman
Jodi L. Richard	Vice Chair & Chief Risk Officer
John C. Stern	Vice Chair & Chief Financial Officer
Stephen L. Philipson	Vice Chair & Head of Wealth, Corporate, Commercial and Institutional Banking

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Revenue ($B)

EPS ($) — GAAP diluted actual, street-basis estimate

Actual bars are GAAP diluted EPS from the filed income statement; the lighter forward bars are street-basis consensus. The two are different measures and are not comparable quarter to quarter.

Quarterly EPS — Actual vs. Consensus

Beats (>2%)5 of 6recent quarters

Avg Surprise+4.7%

Next Report2027-01-19

Income Quality1.52OCF ÷ net income

Beat Rate—%0 of 0 quarters

Current Streak0longest 0

Avg EPS Surprise—%median —%

Surprise Trend—last 4 vs prior 4

Period	EPS est.	EPS actual	EPS surprise	Rev est. ($M)	Rev actual ($M)	Rev surprise

Announcement dates to . Consensus as it stood at each report. Revenue surprise shown where both estimate and actual are filed. A beat record is history, not a forecast.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Profit Margins (%)

Revenue by Segment — Stacked

Live segmentation data.

YoY Growth Heatmap — Income Lines

YoY growth	FY21	FY22	FY23	FY24	FY25
Revenue	-6.0%	+15.5%	+48.3%	+5.1%	+0.3%
Gross profit	+23.0%	-7.1%	+15.9%	-2.5%	+7.3%
Operating income	+68.0%	-28.2%	-6.0%	+15.2%	+20.3%
Net income	+60.6%	-26.8%	-6.8%	+16.0%	+20.3%

$B · FY ends	FY21	FY22	FY23	FY24	FY25
Revenue	23.7	27.4	40.6	42.7	42.9
Cost of revenue	-0.2	5.2	14.9	17.6	15.9
Gross profit	23.9	22.2	25.7	25.1	26.9
R&D expense	0.0	0.0	0.0	0.0	0.0
SG&A expense	9.1	9.6	11.1	11.2	12.5
Operating income	10.2	7.3	6.9	7.9	9.5
EBITDA	10.7	7.9	7.9	8.8	10.3
D&A	0.5	0.6	1.0	0.9	0.8
Pretax income	10.2	7.3	6.9	7.9	9.5
Income tax	2.2	1.5	1.4	1.6	1.9
Net income	8.0	5.8	5.4	6.3	7.6
Diluted EPS ($)	5.10	3.69	3.27	3.79	4.61
Diluted shares (M)	1,490	1,490	1,543	1,561	1,556

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Operating CF$8B

CapEx$0B

Free cash flow$8B

SBC$0B

Buybacks$0B

Net cash change$0B

Balance Sheet — Full

$B	FY22	FY23	FY24	FY25
Cash & equivalents	53.5	61.2	56.5	46.9
ST investments	72.1	69.4	86.4	90.8
Receivables (net)	10.1	8.3	8.3	0.0
Total current assets	135.7	138.9	151.1	137.7
PP&E (net)	3.9	3.6	3.6	3.8
Goodwill + intangibles	19.5	18.6	18.1	17.5
Total assets	674.8	663.5	678.3	692.3
Accounts payable	0.0	0.0	0.0	0.0
Short-term debt	31.2	15.3	15.5	17.2
Deferred revenue	0.0	0.0	0.0	0.0
Total current liabilities	556.2	527.6	533.8	539.4
Long-term debt	39.8	51.5	58.0	60.8
Total liabilities	623.6	607.7	619.3	626.7
Shareholders' equity	51.2	55.8	59.0	65.7

Cash Flow Statement — Full

$B	FY22	FY23	FY24	FY25
Net income	5.8	5.4	6.3	7.6
D&A	0.6	1.0	0.9	0.9
Stock-based compensation	0.0	0.0	0.0	0.0
Working capital change	0.0	0.0	2.1	0.0
Operating cash flow	21.1	8.4	11.3	8.0
Capital expenditures	0.0	0.0	0.0	0.0
Investing cash flow	7.5	18.9	(24.5)	(20.5)
Buybacks	(1.2)	(0.1)	(0.2)	(0.5)
Dividends paid	(3.1)	(3.3)	(3.4)	(3.5)
Debt issuance / (repay)	17.0	(5.0)	6.2	3.0
Financing cash flow	(4.0)	(19.7)	8.6	2.2
Free cash flow	21.1	8.4	11.3	8.0

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Balance Sheet Structure ($B)

Cash Generation vs Capex ($B)

Left: what the balance sheet is made of — the gap between the assets bar and the liabilities bar is book equity. Right: whether the capex bar is covered by the operating-cash bar; where it is not, the difference was funded externally and free cash flow goes negative.

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
PROFITABILITY
ROE	14.7%	11.0%	10.2%	11.1%	12.2%	13%
ROA	1.4%	0.9%	0.8%	0.9%	1.1%	1.2%
ROIC	-12.8%	-154.3%	-64.2%	-58.8%	141.0%	5.0%
Gross margin	100.8%	81.0%	63.4%	58.8%	62.8%	64.7%
Operating margin	42.9%	26.6%	16.9%	18.5%	22.2%	24.4%
Net margin	33.6%	21.3%	13.4%	14.7%	17.7%	19.0%
EBITDA margin	45.0%	28.7%	19.4%	20.7%	24.0%	32.8%
FCF margin	41.6%	77.1%	20.8%	26.4%	18.6%	—
VALUATION
P/E	8.80	9.84	11.48	11.46	10.96	11.4
P/B	1.28	1.13	1.13	1.23	1.27	1.4
P/S	2.95	2.09	1.53	1.69	1.94	2.08
P/FCF	7.10	2.71	7.38	6.40	10.42	7.4
EV/EBITDA	-4.44	0.35	-0.19	0.32	2.26	8.0
EV/Revenue	-2.00	0.10	-0.04	0.07	0.54	2.6
Earnings yield	11.4%	10.2%	8.7%	8.7%	9.1%	9.15%
FCF yield	14.1%	36.9%	13.6%	15.6%	9.6%	13.53%

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
LEVERAGE & SOLVENCY
Current ratio	0.37	0.24	0.26	0.28	0.26	0.37
Quick ratio	0.37	0.24	0.26	0.28	0.26	0.37
Debt / equity	0.80	1.40	1.21	1.26	1.20	1.10
Debt / assets	7.7%	10.5%	10.1%	10.8%	11.3%	10.4%
Net debt / EBITDA	-11.01	-6.94	-8.09	-7.84	-5.81	1.63
Interest coverage	10.24	2.27	0.54	0.51	0.66	—

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
EFFICIENCY
Asset turnover	0.04	0.04	0.06	0.06	0.06	0.06
Receivables turnover	1.82	2.44	4.41	5.14	10.37	—
DSO (days)	201	150	83	71	35	—
DPO (days)	—	0	0	0	0	—
Cash conversion cycle	—	150	83	71	35	—
GROWTH (YoY)
Revenue growth	-6.0%	15.5%	48.3%	5.1%	0.3%	—
Net income growth	60.6%	-26.8%	-6.8%	16.0%	20.3%	—
EPS growth	63.2%	-27.7%	-10.2%	15.9%	20.6%	—
FCF growth	165.6%	114.0%	-60.0%	33.5%	-29.3%	—
PER SHARE ($)
EPS (diluted, TTM)	5.37	3.88	3.48	4.04	4.87	5.38
Book value / share	37.01	33.82	35.50	37.55	41.90	42.93
Revenue / share	15.98	18.26	26.07	27.38	27.55	28.23
FCF / share	6.65	14.07	5.42	7.23	5.12	7.95
Cash / share	108.70	83.67	83.80	91.58	88.52	130.09
SHAREHOLDER RETURN & SCORES
Buyback yield	4.0%	2.0%	0.1%	0.2%	0.6%	0.75%
Altman Z-Score	-0.27	-0.47	-0.39	-0.35	-0.35	-0.2
Piotroski F-Score	7	4	6	7	6	8/9
Beneish M-Score	-2.60	-2.22	-2.52	-2.52	-3.49	-3.40

Model	Score	Zone	Note
Piotroski F-Score	8 / 9	Strong
Altman Z-Score	-0.2	Distress (<1.81)	Distress
Income quality	1.52	Cash-backed	OCF ÷ net income
Beneish M-Score	-3.40	Non-manipulator	vs −2.22 threshold

DuPont Decomposition (TTM)	Value
Tax burden	0.80
Interest burden	1.00
Operating margin	23.3%
Asset turnover	0.06×
Financial leverage	10.96×
= ROE	13%

Growth Quality (live)	Value
Revenue stability	0.90
Earnings stability	0.04
Earnings persistence	0.93
Revenue CAGR 3y	7.8%
EPS CAGR 3y	11.6%
FCF CAGR 3y	-5.2%

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Buyback Yield0.75%

Dividend Yield3.58%

Total Shareholder Return4.48%cash yield

SBC / Revenue0.0%dilution pressure

Company	Mkt cap	P/E	ROE	Net margin	Rev growth	Piotroski	1-yr ret
PNC	$86.7B	11.6	13%	22.6%	+3.9%	4/9	+21.9%
NU	$70.3B	19.7	32%	19.2%	+54.9%	4/9	-1.2%
TFC	$57.5B	12.0	9%	20.4%	+0.3%	6/9	+16.0%
FITB	$45.7B	17.0	8%	18.1%	+15.9%	6/9	+29.0%
MTB	$31.1B	11.2	11%	24.3%	-5.8%	7/9	—
HBAN	$30.9B	11.2	9%	17.4%	+18.5%	7/9	—
CFG	$26.7B	12.7	8%	18.4%	-4.5%	7/9	—
FCNCA	$24.0B	11.4	11%	18.6%	-1.3%	7/9	—

1-yr returns computed from adjusted price history; peers without a tracked series show —.

Buy

49 Analysts

Str Sell (0)Sell (2)Hold (22)Buy (24)Str Buy (1)

Mean Target (qtr)$68.8010 targets

Target vs. Price+17.1%last-quarter mean

Next Report2027-01-19street $1.43

Consensus estimates	Revenue mean	High / Low	EPS mean	High / Low	# EPS est.
FY2026	$31.07B	$31.28B / $30.83B	$5.26	$5.32 / $5.15	16
FY2027	$33.32B	$33.92B / $32.94B	$5.85	$5.94 / $5.76	19
FY2028	$35.03B	$35.59B / $34.34B	$6.42	$6.70 / $5.81	13

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Street Price Target — Trajectory

Window	Avg Target	vs. Price	# Targets
Last Month	$68.83	+17.2%	6
Last Quarter	$68.80	+17.1%	10
Last Year	$65.99	+12.4%	39
All Time	$60.48	+3.0%	86

Rolling mean of published targets vs. last close $58.73. Aggregated from StreetInsider, Investing.

Third-Party Composite Rating

A-

DCF

5/5

ROE

4/5

ROA

4/5

Debt/Eq

2/5

P/E

3/5

P/B

3/5

Independent quant composite as of 2026-10-16; components scored 1–5 (5 best). Shown for contrast with the InsiderStreet Score — methodologies differ.

USB +28.6% vs S&P 500 +15.9% — spread +12.8pp

Sector — XLF +7.2%

Peer Set — indexed to 100

All series indexed to 100 at the start of the window, adjusted closes.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Candlesticks with SMA 20/50 overlay, Bollinger (20,2σ) band, volume, and Wilder RSI(14) — computed from live daily OHLCV.

Moving Average	Value	Distance	% Distance	Signal
SMA 20	$57.67	+1.06	+1.84%	Above
SMA 50	$60.72	-1.99	-3.28%	Below
SMA 200	$57.73	+1.00	+1.73%	Above
EMA 9	$57.45	+1.28	+2.23%	Above
EMA 21	$58.12	+0.61	+1.05%	Above
EMA 50	$59.51	-0.78	-1.31%	Below
EMA 200	$57.34	+1.39	+2.42%	Above

Series and readings from the nightly technical-indicator history — identical data to the site's ribbon chart. Supertrend segments colored by direction.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

TECHNICAL VERDICTLEAN BULLISHPower Score +2617 of 22 indicator votes bullish

Family Scores (site weights)

Trend 30%40

Momentum 25%90

Volume 20%88

Volatility 10%33

Patterns 15%50

This Week73% bullishof 11 price-based votes

4 Weeks Ago18%+55 pts since

12 Weeks Ago100%-27 pts since

ReadImprovingweek-over-week trajectory

Price vs SMA 20$57.67

Price vs SMA 50$60.72

Price vs SMA 200$57.73

EMA 9/21 Cross57.5/58.1

SMA 50/200Golden

ADX DirectionADX 37

Supertrend$59

Parabolic SAR$56

SMA Slope-0.040

RSI51.2

Stochastic K/D54/43

StochRSI K/D83/77

Williams %R-13

CCI88

TSI vs Signal-23.9

CMO2.3

ROC2.10%

OBV SignalAccum

Chaikin MF0.060

MFI51

Force Index2M

Elder Ray Bull1.05

RSI (14)30 oversold · 70 overbought

Stochastic %Kvs %D 43

Money Flowvolume-weighted RSI

ADXtrend strength · <20 weak

Williams %Rinverted scale

Level	Value	Level	Value
Pivot / R1 / R2	$57.02 / $58.06 / $58.74	S1 / S2	$56.34 / $55.30
Bollinger (20,2)	$55.92 – $59.42	Squeeze	Off
52-wk range	$45.02 – $66.08	Off 52-wk high	-11.1%
ATR (14)	$1.18 (2.0%)	Historical vol	19.6%

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

-0.9%Jan55%

-0.5%Feb55%

-1.7%Mar43%

+1.4%Apr45%

-0.0%May45%

-0.3%Jun55%

+3.9%Jul75%

-0.1%Aug55%

+1.4%Sep60%

+2.5%Oct65%

+3.5%Nov75%

+1.5%Dec60%

Sample: 20 years — treat short histories as suggestive, not statistical.

Computed from live weekly prices	USB	S&P 500
Weekly volatility (σ, 1y)	2.95%	1.83%
Best / worst week (1y)	+6.6% / -5.9%	—
Max drawdown (5y, monthly)	-46.4%	—
1-week VaR (95%)	-4.4%	—
Beta (5y)	0.97	1.00

USB EQUITY WEATHER (LIVE)RAINY · -23

Trend-32

Momentum+10

Volume-25

Volatility-60

Breadth-23

MARKET REGIME (2026-10-16)NEUTRAL

VIX19.99Normal

Dow TheoryConfirmed Bearish

SPY / QQQ TSI7.2 / 4.7trend strength

Sector Strength46/100breadth average

Average sentiment of 255 stories, weekly buckets, −1 to +1.

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NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Overall-23.4-0.5 vs industry

Trend-32.0-8.0 vs industry

Momentum+9.7+23.8 vs industry

Volume-24.7+9.9 vs industry

Reading	USB	Banks - Regional n=1,560	Financial Services n=24,134	All US symbols n=70,435
Overall	-23.4	-22.8	-16.3	-20.5
Trend	-32.0	-24.0	-12.5	-21.3
Momentum	+9.7	-14.1	-4.4	-15.8
Volume	-24.7	-34.6	+0.0	-3.8

Trend, momentum and volume are computed per company. Volatility and breadth are market-regime values shared by every symbol in the universe, so they are reported once under Market Regime rather than compared here - a company cannot differ from its sector on a constant.

Executive	Total comp	Structure
Andrew Cecere Executive Chairman and former	$19.1M	66% equity+incentive
Gunjan Kedia Chief Executive Officer and Pre	$16.7M	88% equity+incentive
Jodi L. Richard Vice Chair and Chief Risk Of	$10.0M	89% equity+incentive
Stephen L. Philipson Vice Chair, Head of Wea	$6.1M	82% equity+incentive
Terrance R. Dolan Former Vice Chair and Chie	$6.0M	87% equity+incentive

Pillar (live disclosure scores)	Score
Environmental	44
Social	70
Governance	59
Composite ESG	58

Composite ESG Trend

Methodology. Every figure originates in InsiderStreet's production data layer and is computed deterministically by the same engines that power insiderstreet.ai. This factsheet contains no model-written text. Sections without underlying data are omitted rather than estimated.

DISCLOSURES. This document is produced by InsiderStreet.ai from live production data. It is not investment advice, not an offer or solicitation to buy or sell any security, and not a recommendation tailored to any person. Data is sourced as of the dates shown and may no longer be current. InsiderStreet.ai is not a registered investment adviser or broker-dealer. Investing involves risk, including loss of principal. Past performance does not guarantee future results. Do not make any investment decision based on this document. © 2026 InsiderStreet.ai — all rights reserved. Redistribution prohibited.

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NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Data domain	Source	Coverage for this report
Price & volume	market_db.historical_prices	52 rows
Fundamentals	income_statements_annual	6 rows · 2020 to 2025
Reported vs consensus	fact/earnings_calendar	24 rows · 2021-01-20 to 2026-10-15
Analyst estimates	dim/forward_estimates	3 rows · 2026-12-31 to 2028-12-31
Institutional ownership (13F)	holdings_db.institutional_ownership_summary	109 rows · 1999 to 2026
Insider transactions (Form 4)	edgar/form4	12 rows · 2026-04-23 to 2026-08-28
Proposed sales (Form 144)	edgar/form144	not present for this symbol
Beneficial ownership (13D/G)	edgar/13dg	not present for this symbol
Short-sale volume (FINRA)	edgar/short_volume_daily	60 rows · 2026-07-23 to 2026-10-15
Dark pool (ATS, tier 1)	edgar/darkpool_weekly	12 rows · 2026-06-15 to 2026-08-31
ETF & fund holding	etf_holdings_changelog (30d)	1 record
Peer set	stock_peers_dynamic	8 rows
Industry medians	industry_medians	1 record
Congressional trades	congress_db (House + Senate)	1 record
ESG	fact/esg_disclosures	1 record

Method. Every figure in this factsheet is looked up from a named field computed in code. It contains no model-written text.

Not covered. Short interest as a percent of float and days-to-cover are not in this data set — the short-sale figures above are FINRA volume, a flow, and cannot support squeeze or covering analysis. Options positioning and intraday data are also absent. 13F ownership is filed 45 days after quarter end and congressional trades are disclosed on a lag, so both describe a past position, not a current one.