What Is USB Fair Value?
U.S. Bancorp (USB) fair value estimate using multiple valuation models, updated daily.
As of October 14, 2026, U.S. Bancorp (USB) has a composite fair value estimate of $179.12 based on four valuation models: DCF (35% weight), Graham Number (25% weight), PEG (25% weight), and DDM (15% weight). The current market price is $56.89, suggesting the stock is undervalued by 214.8%.
Data as of October 14, 2026 (today)
Composite Fair Value
Undervalued4 of 4 models$179.12
vs. current price of $56.89(+214.8%)
How Is USB Fair Value Calculated?
Four independent models estimate what USB is worth. Each uses different inputs and assumptions. The composite blends them by weight.
USB Intrinsic Value
Forward-looking models based on future cash flows
DCF (Discounted Cash Flow)
35% weightEstimates how much cash the company will generate over the next 10 years, then calculates what all that future cash is worth in today's dollars. Includes a 15% safety cushion. Try the standalone DCF calculator →
$334.79
+488.5%Undervalued
Inputs used
DDM (Dividend Discount Model)
15% weightIf a company pays you dividends, this model asks: how much are all those future dividend payments worth today? Only works for stocks that pay dividends. Try the intrinsic value calculator →
$56.64
-0.4%Fair Value
Inputs used
USB Fair Value
Current fundamentals: earnings, assets, and growth rate
Graham Number (Value Investing)
25% weightCreated by legendary investor Benjamin Graham. It looks at two things: how much the company earns (EPS) and what its assets are worth (Book Value), then calculates the maximum price a careful investor should pay. Try the fair value calculator →
$67.67
+19.0%Undervalued
Inputs used
PEG (Price/Earnings to Growth)
25% weightChecks if you're paying a fair price for the company's growth. A fast-growing company deserves a higher price than a slow one. This model finds the right price based on how fast earnings are growing.
$63.39
+11.4%Fair Value
Inputs used
What If You Change the Assumptions?
Drag the sliders to test different scenarios. Tap the ? buttons to learn what each input means.
Your DCF Fair Value
Current price $56.89 is 488.5% below this estimate
View 10-year cash flow projections
| Year | Projected FCF (Free Cash Flow) | Present Value |
|---|---|---|
| Year 1 | $14.04B | $13.14B |
| Year 2 | $15.75B | $13.79B |
| Year 3 | $17.65B | $14.47B |
| Year 4 | $19.79B | $15.19B |
| Year 5 | $22.19B | $15.94B |
| Year 6 | $24.88B | $16.72B |
| Year 7 | $27.90B | $17.55B |
| Year 8 | $31.28B | $18.41B |
| Year 9 | $35.07B | $19.32B |
| Year 10 | $39.32B | $20.28B |
| Terminal Value | $927.23B | $478.17B |
What Are USB's Key Financial Metrics?
Earnings & Growth
Current Price
$56.89
EPS (TTM)
$5.01
Forward P/E
9.8
Profit Margin
29.9%
Cash & Balance Sheet
Free Cash Flow
0
EBITDA
0
Book Value
$38.92
Total Debt
99.7B
What Do Analysts Say About USB?
Low
$64.00
Average
$69.00
High
$76.00
Upside
+21.3%
USB Fair Value FAQ
What is the fair value of USB?
Based on our composite model (DCF 35%, Graham 25%, PEG 25%, DDM 15%), USB's estimated fair value is $179.12. The stock is currently trading at $56.89, which makes it undervalued by our analysis.
How is USB's fair value calculated?
We use four valuation methods: Discounted Cash Flow (DCF), Graham Number, PEG-based Fair Value, and Dividend Discount Model (for dividend-paying stocks). The composite score weights DCF at 35%, Graham and PEG at 25% each, and DDM at 15%. When a model can't be applied, its weight is redistributed proportionally.
Is USB overvalued or undervalued?
Based on our analysis, USB is undervalued. The current price of $56.89 is 214.8% below our estimated fair value of $179.12.
What do Wall Street analysts say about USB?
22 analysts cover U.S. Bancorp with a consensus rating of "Buy." The average price target is $69.00, ranging from $64.00 to $76.00. This implies 21.3% upside from the current price.