USB

SELL

U.S. Bancorp

Financial Services · Rank #277 · Analyzed Apr 20, 2026

$56.93

Current Price

$62.36

Intrinsic Value

+31.4%

Upside/Downside

2/10

Score

2/5

Quality

Analysis Summary

Valuation Consensus1/3 methods agree

Quality Score2/5.0

Framework RatingSELL

Price vs Intrinsic ValueUndervalued by 31.4%

Fair Value Range

Low$33.78

Base (IV)$62.36

High$74.83

Entry Points

Conservative$33.78

Moderate$48.07

Aggressive$62.36

⚠️ Warnings

Financial sector — DCF less reliable (FCF includes reserves/float)

Quality & Moat Breakdown

Return on Equity12.4% → 0.5/1.0

Debt LevelD/E 100 → 0/1.0

Revenue QualityGrowth 4.4%, margin Δ+0.0% → 0.5/1.0

Moat Strength1.5/5 → 0/1.0

Profit Margins29.3% → 1.0/1.0

Methodology

This analysis uses a unified valuation framework combining three methods — Discounted Cash Flow (3-scenario), Earnings Power Value, and Asset Valuation — with a quality scoring overlay. A stock needs 2/3 valuation methods to agree and a quality score ≥ 3.5/5 for a BUY rating.

Learn how this framework works →

This is a personal analysis tool, not financial advice. Do your own research before making investment decisions.