USB

SELL

U.S. Bancorp

Financial Services · Rank #330 · Analyzed Oct 18, 2026

$58.73

Current Price

$65.89

Intrinsic Value

+12.2%

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 12.2%

Fair Value Range

Low$24.70

Base (IV)$65.89

High$79.07

Entry Points

Conservative$17.29

Moderate$24.70

Aggressive$46.13

⚠️ Warnings

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

Quality & Moat Breakdown

Return on Equity12.8% → 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 Margins30.0% → 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.