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Intrinsic value of U.S. Bancorp (USB)

Previous Close$47.39
Intrinsic Value
Upside potential
Previous Close
$47.39
* Our model cannot be used “out of the box” for the valuation of this stock. You can still do your own valuation by changing the valuation input parameters.
Use floor (the cash flow based valuation has rendered a result, which is lower than an estimated minimum value derived from the company’s balance sheet analysis)

VALUATION INPUT DATA (original, your and others' valuations)

ParameterOrig.Your
Date of valuation (DoV)  
Intrinsic value (IV) at DoV, $/sh  
IV at current val. algorithm, $/sh36.82 

The original valuation is based on fiscal year data as of 2021-12-31 and quarterly data as of 2022-03-31.

Registered users can save their valuation input data

  1. Annual
  2. Quarterly YoY
  3. Quarterly QoQ

Annual revenue growth rates, % (past and forecasted)

NOTE: The bar chart shows historic and forecasted yearly revenue growth rates. Its purpose is to help you in determining what initial revenue rate you want to base your stock valuation on. Please make sure that you are confident in the value you select - for most stocks it is by far the most important parameter in valuation.

Company description

U.S. Bancorp, a financial services holding company, provides various financial services in the United States. It operates in five segments: Corporate and Commercial Banking, Consumer and Business Banking, Wealth Management and Investment Services, Payment Services, and Treasury and Corporate Support. The company offers depository services, including checking accounts, savings accounts, and time certificate contracts; lending services, such as traditional credit products; and credit card services, lease financing and import/export trade, asset-backed lending, agricultural finance, and other products, as well as home equity, auto, boat, RV, personal loans, and personal line of credit. It also provides ancillary services comprising capital markets, treasury management, and receivable lock-box collection services to corporate customers; and a range of asset management and fiduciary services for individuals, estates, foundations, business corporations, and charitable organizations. In addition, the company offers investment and insurance products to its customers principally within its markets, as well as fund administration services to a range of mutual and other funds. Further, it provides corporate and purchasing card, and corporate trust services; and merchant processing services, as well as cash and investment management, ATM processing, mortgage banking, and brokerage and leasing services. The company offers its products and services through operating a network of 2,795 banking offices principally operating in the Midwest and West regions of the United States, as well as through online services and over mobile devices. It also operates a network of 4,459 ATMs. The company has a strategic alliance with State Farm Bank. The company was founded in 1863 and is headquartered in Minneapolis, Minnesota.

show cash flow forecast

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year2021(a)2022202320242025202620272028202920302031203220332034203520362037203820392040204120422043204420452046

INCOME STATEMENT

Revenue growth rate, %4.5NaN
Revenue, $21679NaN
Variable operating expenses, $mNaN
Fixed operating expenses, $mNaN
Total operating expenses, $m11513NaN
Operating income, $m10166NaN
EBITDA, $m10663NaN
Interest expense (income), $mNaN
Earnings before tax, $m9786NaN
Tax expense, $m2181NaN
Net income, $m7605NaN

BALANCE SHEET

Cash and short-term investments, $m28905NaN
Total assets, $m573284NaN
Adjusted assets (=assets-cash), $m544379NaN
Average production assets, $m14196NaN
Working capital, $m-124895NaN
Total debt, $m45091NaN
Total liabilities, $m518366NaN
Total equity, $m54918NaN
Debt-to-equity ratio0.821NaN
Adjusted equity ratio0.078NaN

CASH FLOW

Net income, $m7605NaN
Depreciation, amort., depletion, $m497NaN
Funds from operations, $mNaN
Change in working capital, $mNaN
Cash from operations, $m8182NaN
Maintenance CAPEX, $mNaN
New CAPEX, $mNaN
Total CAPEX, $m-0NaN
Free cash flow, $m8182NaN
Issuance/(repurchase) of shares, $mNaN
Retained Cash Flow, $mNaN
Pot'l extraordinary dividend, $m-124895
Cash available for distribution, $mNaN
Discount rate, %NaN
PV of cash for distribution, $mNaN
Current shareholders' claim on cash, %NaN
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