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U.S. Bancorp USB

equity

Price History

$1.43$22.63$43.82$65.02
1985-01 · DCA start$1.47

Time underwater

How far below its previous all-time high the price sat, each month. 0% means a new high.

-60.5%-40.3%-20.2%0.0%
1985-012026-08 · 0.0%

Worst drawdown: −60%, peaking Dec 2006 and bottoming Feb 2009 — 79 months below the prior high before recovering.

DCA Backtest

Invested
$50,000
Value today
$410,991
Return
+722.0%
Months invested
500

Scenarios

Inflation — the same contributions merely keeping pace with CPI would be $90,910 today, so the real (inflation-adjusted) return is +352.1%.

Lump sum instead — $50,000 all at once in Jan 1985: $2,218,692 (+4337.4%) — lump sum came out ahead.

Worst timing — same monthly amount started at the all-time high (Jul 2026): $203.19 on $200 invested (+1.6%).

⚠ Price returns only — dividends are not included. This understates the true return of dividend-paying shares, and any comparison against crypto (which pays no dividends) is biased against equities by roughly the dividend yield, compounded.

If this saved you a spreadsheet — buy me a coffee.

Every start month at once

Each cell is the return-to-date of £/$/€100-a-month DCA started that month. Click a cell to load it in the backtest above. The ringed cell is the all-time-high start — the worst timing scenario.

JFMAMJJASOND
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Legend:−50%−20%0%+50%+200%+1000%worst timing (ATH)Selected 1985-01: +722.0%

About U.S. Bancorp

U.S. Bancorp is an American multinational banking institution headquartered in Minneapolis, Minnesota, and incorporated in Delaware. It is the 7th-largest bank in the United States as of March 2026. As the largest bank in the Midwestern United States, it is considered a domestic systemically important bank (D-SIB) by the Federal Reserve. It is the parent company of its primary operating entity, U.S. Bank National Association, which does business as U.S. Bank. (Wikipedia)

It's a listed company categorised under financials and diversified banks, with a market cap of about $101.3B.

It rates Medium-Low Risk at 2.1/5, meaning the rated factors are mostly sound, with one or two areas worth watching.

What pushes the score up: sector / regulatory (4.0/5) and market / volatility (2.7/5).

Scoring well: earnings quality at 1.0/5.

Not yet researched: leverage / financial, concentration, governance. These are excluded from the score rather than guessed, so the real risk may be higher than what’s shown.

Ratings summarise sourced facts against fixed rules — not investment advice, and no substitute for your own diligence.

Risk Profile

Medium-Low Risk(2.1/5)60% rated

How these ratings work

Market / Volatility2.7/5 · weight 20%
  • Annualised volatility (3yr)2/524.4
  • Max drawdown from ATH3/560.5
  • Beta vs S&P 5003/50.97
Liquidity1.0/5 · weight 15%
  • Avg daily $ volume1/5530.8m
  • Float % of shares outstandingnot yet researched
Leverage / Financialunrated · weight 20%
  • Debt / equitynot yet researched
  • Interest coverage (EBIT / interest)not yet researched
Earnings Quality1.0/5 · weight 15%
  • 3yr EPS volatility1/54.2
Concentrationunrated · weight 10%
  • Largest customer, % of revenuenot yet researched
  • Geographic revenue concentrationnot yet researched
Governanceunrated · weight 10%
  • Board independence %not yet researched
  • Share structurenot yet researched
  • Litigation / audit historynot yet researched
Sector / Regulatory4.0/5 · weight 10%
  • Sector regulatory exposure4/5high

Linked Assets

Same sector, or return-correlated — worth knowing what else might move if this one does.