US · USB
U.S. Bancorp
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Minneapolis, MN 55402
- Website
- usbank.com
Price · as of 2025-12-31
$56.30
Market cap 85B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $56.59 | +0.52% |
| Intrinsic Value(DCF) | $51.96 | -7.71% |
| Graham-Dodd Method(GD) | $58.16 | +3.3% |
| Graham Formula(GF) | $41.48 | -26.33% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $18.83 | $26.13 | $16.90 | $18.49 | $30.92 |
| 2012 | $22.22 | $28.24 | $19.50 | $18.45 | $35.21 |
| 2013 | $28.05 | $33.10 | $21.08 | $18.29 | $10.02 |
| 2014 | $30.12 | $31.71 | $22.80 | $18.75 | $31.35 |
| 2015 | $28.17 | $36.21 | $24.87 | $20.34 | $23.91 |
| 2016 | $39.21 | $37.11 | $26.78 | $21.09 | $46.88 |
| 2017 | $40.33 | $34.96 | $28.42 | $22.37 | $50.01 |
| 2018 | $38.13 | $35.87 | $30.61 | $25.49 | $72.69 |
| 2019 | $32.78 | $29.86 | $29.29 | $22.51 | $60.65 |
| 2020 | $44.10 | $27.55 | $62.26 | $16.69 | $2.83 |
| 2021 | $43.82 | $31.90 | $70.68 | $27.65 | $12.79 |
| 2022 | $35.22 | $38.70 | $35.64 | $14.37 | $90.18 |
| 2023 | $39.60 | $35.01 | $43.68 | $13.15 | $190.82 |
| 2024 | $42.83 | $30.86 | $48.85 | $16.55 | $52.91 |
| 2025 | $54.63 | $56.59 | $133.39 | $58.16 | $41.48 |
AI valuation
Our deep-learning model estimates U.S. Bancorp's (USB) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $56.59
- Current price
- $56.30
- AI upside
- +0.52%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$51.96
-7.71% upside
Graham-Dodd
$58.16
+3.3% upside
Graham Formula
$41.48
-26.33% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| USB | U.S. Bancorp | $56.30 | 85B | +1% | -8% | +3% | -26% | 11.22 | 1.30 | 1.98 | 11.27 | 51.87 | 1.78 | 62.83% | 22.20% | 17.68% | 12.23% | 17.78% | 1.10% | 1.20 | 0.66 | 2.73 | 2.73 | 3.02 | 2164.00% | 35.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 12.19 | — | 2.71 | 0.40 |
| BCS | Barclays PLC | $24.28 | 84.05B | +59% | -29% | +19% | — | 8.71 | 0.80 | 2.33 | -16.00 | 43.53 | 0.90 | 108.66% | 37.28% | 26.74% | 9.59% | -3.84% | 0.47% | 2.20 | 0.47 | 0.58 | 0.58 | -5.41 | 2000.00% | -4805.00% | -24569.00% | -12.93% | -0.01 | 3.93% | 3.54% | 30.80% | 68.70% | -17.44 | 21.61 | -6.50 | -0.11 |
| CM | Canadian Imperial Bank of… | $100.96 | 94.12B | +88% | -45% | -69% | -68% | 14.03 | 1.85 | 1.91 | 31.49 | 79.17 | 2.13 | 43.02% | 17.64% | 13.59% | 13.76% | 2.77% | 0.78% | 5.55 | 0.33 | 0.13 | 0.13 | 24.76 | 1772.00% | -314.00% | -34456.00% | -20.62% | -0.03 | -8.00% | 3.37% | 47.20% | 5.96% | 34.89 | -15.61 | 6.15 | -0.59 |
| DB | Deutsche Bank AG | $35.42 | 67.67B | +222% | -58% | +67% | -97% | 9.47 | 0.83 | 1.08 | -5.79 | 7.54 | 0.92 | 49.95% | 15.96% | 11.39% | 8.86% | -795.07% | 0.49% | 2.98 | 0.34 | 15.91 | 15.91 | 7.13 | 12555.00% | -825.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | -5.79 | — | -0.92 | 0.37 |
| HDB | HDFC Bank Limited | $31.85 | 163.37B | -34% | +356% | -51% | +24% | 25.23 | 2.26 | 4.13 | 16.85 | 954.41 | 3.70 | 52.21% | 20.54% | 16.06% | 9.39% | 12.37% | 1.49% | 0.97 | 0.47 | 0.34 | 0.33 | 4.58 | 264.00% | 1915.00% | 1660.00% | 6.52% | 0.04 | 20.34% | 0.91% | 23.00% | 3.75% | 18.09 | 13.80 | 3.71 | -0.01 |
| ING | ING Groep N.V. | $28.77 | 83.22B | +114% | -32% | +11% | — | 11.31 | 1.44 | 3.11 | 14.71 | 39.70 | 1.48 | 94.34% | 39.71% | 27.47% | 12.65% | 6.01% | 0.61% | 3.41 | — | 0.13 | 0.13 | 12.73 | 2848.00% | -6531.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 14.71 | — | 5.84 | -0.72 |
| ITUB | Itaú Unibanco Holding S.A… | $9.05 | 99.79B | +131% | +61% | — | +112% | 11.94 | 2.57 | 1.37 | 26.68 | 300.88 | 2.91 | 34.49% | 13.07% | 11.66% | 21.17% | 5.41% | 1.48% | 4.95 | 0.23 | 0.77 | 0.00 | 17.57 | 397.00% | 1803.00% | -23064.00% | 24.42% | 0.14 | 15.12% | 9.02% | 107.70% | 9.59% | 30.60 | 11.99 | 4.00 | 0.20 |
| LYG | Lloyds Banking Group plc | $5.55 | 81.58B | +524% | +6,233% | -48% | +486% | 14.87 | 1.46 | 0.94 | 13.30 | 185.88 | 1.83 | 29.88% | 10.25% | 7.17% | 9.37% | 7.13% | 0.44% | 2.11 | 0.39 | 0.94 | 0.91 | 4.73 | 800.00% | 7281.00% | -9286.00% | -1.02% | 0.06 | -0.94% | 3.21% | 47.70% | 5.95% | 13.30 | -141.76 | 1.36 | 0.14 |
| MFG | Mizuho Financial Group, I… | $8.87 | 109.55B | -49% | +18% | -39% | -10% | 8.85 | 1.01 | 1.22 | -8.64 | 28.79 | 1.09 | 41.79% | 13.84% | 10.30% | 11.51% | -11.15% | 0.42% | 5.83 | 0.24 | 0.39 | 0.39 | -8.31 | 3072.00% | 947.00% | -35589.00% | -39.57% | -0.02 | 52.27% | 2.89% | 25.60% | 3.87% | -10.14 | 2.90 | -1.40 | -0.48 |
| PNC | The PNC Financial Service… | $212.35 | 85.66B | +10% | -32% | -52% | -88% | 12.25 | 1.39 | 2.69 | 11.87 | 59.04 | 1.84 | 71.66% | 27.08% | 22.13% | 11.99% | 10.11% | 1.22% | 0.94 | 0.78 | 0.81 | 0.80 | 5.87 | 2074.00% | -698.00% | 1995.00% | 11.20% | 0.02 | 13.66% | 3.49% | 42.70% | 5.07% | 12.00 | 10.77 | 3.25 | 0.17 |
| TFC | Truist Financial Corporat… | $49.31 | 63.08B | +17% | -22% | -53% | +177% | 11.83 | 0.96 | 2.06 | 12.37 | 86.43 | 1.34 | 62.21% | 20.86% | 17.44% | 8.24% | 6.20% | 0.98% | 1.07 | 0.63 | 0.87 | 0.87 | 4.74 | 1369.00% | 2550.00% | 0.00% | 3.45% | 0.01 | 2.53% | 4.77% | 56.50% | 10.34% | 13.74 | 40.31 | 2.87 | 0.11 |
About U.S. Bancorp
U.S. Bancorp, a financial services holding company, provides various financial services to individuals, businesses, institutional organizations, governmental entities and other financial institutions in the United States. It operates in Corporate and Commercial Banking, Consumer and Business Banking, Wealth Management and Investment Services, Payment Services, and Treasury and Corporate Support segments. 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. It also provides ancillary services comprising capital markets, treasury management, and receivable lock-box collection services to corporate and governmental entity 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 investment management, ATM processing, mortgage banking, insurance, and brokerage and leasing services. As of December 31, 2021, the company provided its products and services through a network of 2,230 banking offices principally operating in the Midwest and West regions of the United States, as well as through on-line services, over mobile devices, and other distribution channels; and operated a network of 4,059 ATMs. The company was founded in 1863 and is headquartered in Minneapolis, Minnesota.
- CEO
- Gunjan Kedia
- Employees
- 70K
- Beta
- 1.06
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($51.96 ÷ $56.30) − 1 = -7.71% (DCF, example).