USB

USB AI Signal Analysis

Multi-agent conviction signals powered by SEC filings, insider trades, institutional holdings, and earnings data.

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Signals

Avg conviction

+43

Direction mix

1 bullish0 bearish

May 12, 2026

conviction

Bullish(medium)

Institutional accumulation (137 new positions over 5 quarters) and robust options positioning (0.36 put/call ratio) support a bullish bias despite regulatory headwinds. Fundamentals show 4/4 EPS beats and 4.4% revenue growth, with a $58 analyst target (5.9% upside). Policy impacts (capital buffers, ECOA compliance) are priced in and manageable in the medium term.

+19

+35

+43

Agent Breakdown

Fundamentals AgentNeutral

+20

USB shows mixed signals: QoQ net income (-74.3%) and operating cash flow (-83.2%) collapsed sharply, but YoY operating cash flow surged 570.2%. Consistent 4/4 quarter EPS beats and 4.4% revenue growth offset near-term concerns. Valuation is modestly attractive with analyst target $58 (5.9% above price).

Sources

ForensicForensic score: 100/100 (0 flags)
Filing ChangeFinancial Notes — moderate changes
Filing ChangeFinancial Notes — moderate changes
Filing ChangeMda — significant changes
Filing ChangeRisk Factors — minor changes
Filing ChangeBusiness — moderate changes
EarningsEPS beat: $1.18 vs $1.16 est (+2.1%)
Analyst TargetAnalyst consensus target: $58
Analyst RatingAnalyst consensus: 1 strong buy, 13 buy, 10 hold, 1 sell, 0 strong sell

Insider AgentBearish

-30

No insider buying and one sell in last 90 days with $0K value (likely a non-reportable transaction), but zero purchases suggest lack of confidence. Future-dated filing (Apr 2026) indicates data inconsistency.

Sources

Insider TradeRichard Jodi L sell 0 shares

Institutional AgentBullish

+58

Institutional accumulation detected: 117 institutions tracked across 5 quarters. 137 new positions initiated. Institutional accumulation streak: 5 consecutive quarters.

Sources

13F HoldingFisher Asset Management, LLC (CIK 0000850529): 4878204 shares ($253715K) +4878204 [NEW]
13F HoldingCALIFORNIA PUBLIC EMPLOYEES RETIREMENT SYSTEM (CIK 0000919079): 3263435 shares ($169731K) +3263435 [NEW]
13F HoldingAEGON ASSET MANAGEMENT UK PLC (CIK 0001539994): 945329 shares ($49157K) +945329 [NEW]
13F HoldingDEPRINCE RACE & ZOLLO INC (CIK 0001008894): 802012 shares ($41712K) +802012 [NEW]
13F HoldingDANSKE BANK A/S (CIK 0000800177): 719428 shares ($34410K) +719428 [NEW]

Options AgentBullish

+60

Bullish positioning dominates with 0.36 put/call volume ratio, $9

Sources

IV DataIV metrics: 61.0% percentile, IV/HV ratio 1.12

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Expression status: tradable

This signal passed the expression gate and has a trade plan attached.

Policy linkage: inferred company relevanceMechanism quality: specific

Trade Plan

Live Return

$54.48-0.0%

Entry: $54.49 · 0d elapsed / 180d horizon

Tracking

Entry Zone

In entry zone

$53.50

$55.50

Valid until Jun 28, 2026

Price Targets (180-day)

Bull

$60.00+10.1%

Analyst price target and options sentiment

Base

$58.00+6.5%

Valuation premium and earnings momentum

Bear

$52.00-4.6%

Capital buffer costs and compliance drag

Stop Loss

$52.00

-4.6%

Position Size

3-5%

of portfolio

Risk/Reward

1.4x

base target

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Not financial advice. For informational purposes only. Past performance does not guarantee future results.