USB

SELL

U.S. Bancorp

Financial Services · Rank #312 · Analyzed Jul 13, 2026

$62.41

Current Price

$62.69

Intrinsic Value

+0.4%

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 0.4%

Fair Value Range

Low$24.71

Base (IV)$62.69

High$75.22

Entry Points

Conservative$17.30

Moderate$24.71

Aggressive$43.88

⚠️ 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.