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Intrinsic Value

Is USB undervalued or overvalued?

See the intrinsic value estimate for US Bancorp and find out whether today’s valuation is cheap or expensive by its own historical standards.

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USB Intrinsic Value
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Today vs. history

USB looks overvalued.
But is it expensive by its own standards?

See how today’s valuation compares with USB’s past valuations and how the stock performed after similar periods.

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Current Price $59.02
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Margin of Safety 20% Locked
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Fundamental Analysis

What US Bancorp Does

Banking Financials

U.S. Bancorp is the parent company of U.S. Bank, a large American bank that takes deposits, makes loans, and handles everyday money movement for people and businesses. Its core products include checking and savings accounts, mortgages, credit cards, auto loans, business lending, treasury services, and payment processing, along with wealth management and trust services for clients with more complex financial needs.

Headquarters
United States of America US
Employees
68 520
IPO date
May 7, 1984
Read the full company overview
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US Bancorp has a wide economic moat

No Moat Narrow Wide

Replacing U.S. Bancorp’s payment and cash-management services can mean rebuilding software connections and changing daily routines, making customers harder for rivals to win. Established deposit relationships and a large payment-processing operation also help it deliver services at costs that smaller competitors struggle to match.

Read the full moat analysis

Latest Earnings Call

Q3 2026 · October 15, 2026

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EPS
$1.34
Expected
$1.32
Surprise
+1.5%
Stock, day of the call
+2.0%
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Financials
Efficiency

Wall St Price Targets

Capital Returns

Buyback Yield
LOCKED

Competitive Landscape

Ownership

USB Insider Trading
Buy and sell transactions by insiders

What is the Intrinsic Value of one USB stock?

The intrinsic value for US Bancorp (USB) under the Base Case is hidden USD.

Is USB stock undervalued or overvalued?

Compared with the current market price of 59.015 USD, the stock appears hidden.

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