AIVL2.192%
as of Oct 23
USB
GrowthUS BANCORP
U.S. Bancorp, a financial services holding company, provides various financial services to individuals, businesses, institutional organizations, governmental entities, and other financial institutions in the United States. The company operates through Wealth, Corporate, Commercial and Institutional Banking; Consumer and Business Banking; Payment Services; and Treasury and Corporate Support segments.
Close · 3M
+3.10%
Held by 1 AI ETF
Signal performance
Each tracked ETF's moves on this stock, grouped by fund. Returns are measured from the signal date to the latest close — hypothetical, no commissions or slippage.
Buy signals10
Win rate30% (3/10)
Avg buy return-3.33%
AIVL · Weight increase · 2d
weight 2.107% → 2.182% (+0.075 pp)·stock down 2.5% in the 30 days before
Oct 16·entry $58.73·now $59.58Fresh
+1.45%
since Oct 16
AIVL · Weight decrease · 2d
weight 2.142% → 2.107% (-0.034 pp)·stock down 9.6% in the 30 days before
Oct 14·entry $56.26·now $59.58
+5.90%
since Oct 14
AIVL · Weight decrease · 7d
weight 3.152% → 2.133% (-1.020 pp)·stock down 10.1% in the 30 days before
Oct 7·entry $56.17·now $59.58
+6.07%
since Oct 7
AIVL · Weight decrease · 7d
weight 3.165% → 2.165% (-1.000 pp)·stock down 9.6% in the 30 days before
Oct 6·entry $57.29·now $59.58
+4.00%
since Oct 6
AIVL · Weight decrease · 6d
weight 3.165% → 2.179% (-0.986 pp)·stock down 9.9% in the 30 days before
Oct 5·entry $57.27·now $59.58
+4.03%
since Oct 5
AIVL · Weight decrease · 5d
weight 3.165% → 2.202% (-0.963 pp)·stock down 8.4% in the 30 days before
Oct 2·entry $57.51·now $59.58
+3.60%
since Oct 2
AIVL · Weight decrease · 4d
weight 3.165% → 3.087% (-0.078 pp)·stock down 6.3% in the 30 days before
Oct 1·entry $57.36·now $59.58
+3.87%
since Oct 1
AIVL · Weight decrease · 3d
weight 3.165% → 3.116% (-0.049 pp)·stock down 6.2% in the 30 days before
Sep 30·entry $57.76·now $59.58
+3.15%
since Sep 30
AIVL · Weight decrease · 2d
weight 3.165% → 3.122% (-0.043 pp)·stock down 6.9% in the 30 days before
Sep 29·entry $58.14·now $59.58
+2.48%
since Sep 29
AIVL · Weight increase · 2d
weight 3.100% → 3.165% (+0.065 pp)·stock down 5.5% in the 30 days before
Sep 25·entry $59.33·now $59.58Fresh
+0.42%
since Sep 25
AIVL · Weight decrease · 2d
weight 3.187% → 3.100% (-0.087 pp)·stock down 6.3% in the 30 days before
Sep 23·entry $58.48·now $59.58
+1.88%
since Sep 23
AIVL · Weight decrease · 3d
weight 3.294% → 3.166% (-0.128 pp)·stock down 7.9% in the 30 days before
Sep 16·entry $59.73·now $59.58
-0.25%
since Sep 16
-4.24%
since Sep 15
-4.95%
since Sep 14
-5.19%
since Sep 11
-4.53%
since Sep 10
-5.98%
since Sep 4
-6.22%
since Sep 3
-3.25%
since Aug 31
-4.63%
since Aug 28
-4.55%
since Aug 24
PQUS · Exit · 1d
weight 0.540% → 0 (exited)·stock down 6.3% in the 30 days before
Oct 1·entry $57.36·now $59.58
+3.87%
since Oct 1
LQAI · Exit · 1d
weight 0.610% → 0 (exited)·stock down 6.9% in the 30 days before
Sep 29·entry $58.14·now $59.58
+2.48%
since Sep 29
LQAI · Weight increase · 2d
weight 0.590% → 0.610% (+0.020 pp)·stock down 5.8% in the 30 days before
Sep 28·entry $58.78·now $59.58Fresh
+1.36%
since Sep 28
LQAI · Weight decrease · 3d
weight 0.620% → 0.590% (-0.030 pp)·stock down 6.3% in the 30 days before
Sep 23·entry $58.48·now $59.58
+1.88%
since Sep 23
LQAI · Weight decrease · 2d
weight 0.620% → 0.600% (-0.020 pp)·stock down 4.2% in the 30 days before
Sep 22·entry $59.44·now $59.58
+0.24%
since Sep 22
LQAI · Weight decrease · 3d
weight 0.660% → 0.620% (-0.040 pp)·stock down 7.0% in the 30 days before
Sep 17·entry $60.25·now $59.58
-1.11%
since Sep 17
LQAI · Weight decrease · 2d
weight 0.660% → 0.630% (-0.030 pp)·stock down 7.9% in the 30 days before
Sep 16·entry $59.73·now $59.58
-0.25%
since Sep 16
-5.08%
since Sep 2
Sell signals show what the stock did after the AI exited. A negative number means the AI's exit was well-timed.
Buffett-style framework
Fails the frameworkas of Sep 27
The analysis yields a 'Fail' verdict for US Bancorp primarily due to concerns about financial health and insufficient data to confirm critical financial metrics. This contrasts with AIVL's most recent action, which indicates an increasing weight trend for USB. However, LQAI's consistent trend of decreasing its weight aligns more closely with the cautious 'Fail' assessment.
- Circle of CompetenceAs a diversified bank, US Bancorp's core business model of deposit-taking and lending offers sufficiently predictable unit economics to allow for reasonable ten-year cash flow projections.
- Economic MoatUS Bancorp benefits from a combination of scale, a trusted brand name, and the switching costs associated with established banking relationships, which together form a durable economic moat.
- ManagementThe provided data is insufficient to evaluate management's candor, capital allocation track record, or skin in the game.
- Financial HealthThe provided current ROE of 12.48% is below the required 15% 10-year average, and insufficient data is available to assess historical ROE consistency, operating margins, debt manageability, or owner earnings.
- Margin of SafetyWithout a conservative estimate of intrinsic value, it is not possible to determine if the current price offers a margin of safety.
The analysis finds US Bancorp operates within the circle of competence and possesses a durable economic moat due to its established market position and scale. However, the company receives a 'Fail' verdict primarily because its financial health cannot be fully confirmed against the framework's criteria, notably a current ROE below the desired 10-year average. Additionally, the provided data is insufficient to evaluate management quality or determine a margin of safety, contributing to the overall cautious assessment.
Educational interpretation generated by AI applying frameworks Warren Buffett documented in his shareholder letters and other public writings. Not a statement by Mr. Buffett or Berkshire Hathaway, and not investment advice.