U.S. BancorpOpportunity Rank #5(USB) Intrinsic Value & DCF Analysis (2026)
Current Price
$51.52
Last updated: Mar 24, 2026
Price vs Intrinsic Value
Fundamental Score
Weighted across 6 signals
Narrative Score
-7 vs previous
The intrinsic value of U.S. Bancorp (USB) is estimated at $88.50 per share based on a 10-year discounted cash flow (DCF) analysis. At the current price of $51.52, the stock appears undervalued relative to its projected cash flow fundamentals. This estimate assumes a 2.53% long-term growth rate and a 12.50% discount rate (calculated: 13.69%), reflecting expected future free cash flow and cost of capital.
The intrinsic value of U.S. Bancorp (USB) is estimated at $88.50 per share based on a 10-year discounted cash flow (DCF) analysis. At the current price of $51.52, the stock appears undervalued relative to its projected cash flow fundamentals. This estimate assumes a 2.53% long-term growth rate and a 12.50% discount rate (calculated: 13.69%), reflecting expected future free cash flow and cost of capital.Valuation Details
Capital Efficiency
The company is earning a higher return on invested capital than it costs to raise that capital — a sign of strong, efficient value creation.
Fundamental Details
Narrative Details
Investment Coach
- Monitor whether valuation discount remains above 10%.
- Confirm ROIC stays above cost of capital over coming quarters.
- Follow narrative trend for meaningful shifts in the score direction.
Free Cash Flow (in millions)
How Intrinziq Estimates Fair Value
Intrinziq estimates U.S. Bancorp's intrinsic value using a discounted cash flow (DCF) model based on free cash flow trends and a market-based discount rate. The model projects future cash flows over ten years and discounts them using a market return assumption to estimate fair value.
U.S. BancorpFinancial Services
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.