U.S. Bancorp (USB)
NYSEFinancialsBanks - RegionalSnapshot 2026-07-07
$62.90+0.11%
Close 2026-07-07 · 1-day change
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Price, fair value, and the multiples that frame it on the same time axis. Scroll over the price chart to zoom.
Daily closes. Earnings/event dots inline.
A consensus fair price across 14 valuation methods, at three horizons. Current price $62.90. As of 2026-07-08. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
A long-thesis check that carries the widest uncertainty of the three horizons.
Below average on quality vs scored peers
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
At $63 USB trades at 1.5× p/b, below its 2.1× p/b peer median. Our $67 fair value sits above the price. It's a high-confidence read. Analysts target $60–$75. Not investment advice.
$60.00 – $75.00 (median $66.00) · 11 analysts · as of 2026-07-07
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
No fragility gates fired. Regime (Mania) does not concentrate fragility.
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
Looks cheaper than most peers in the same business.
Richer than its own typical valuation.
Trailing four: 2025-Q1, 2025-Q2, 2025-Q3, 2026-Q1
Score 100 = cheapest in the cohort, 0 = richest. Bars are filled left-to-right based on the peer-relative score (or PEG/self-history where shown).
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
Each method's implied share price per horizon. Provisional rows use a projected (historical-CAGR) growth input rather than analyst or management guidance.
| Method | Horizon | Est. price | Multiple | Per-share input | EPS source | Confidence |
|---|---|---|---|---|---|---|
| analyst target | 12M | $66.00 | — | — | Analyst | high |
| dcf fcfe | 12M | $235.14 | — | — | Hist. CAGR | high |
| dcf fcff | 12M | $281.62 | — | — | Hist. CAGR | high |
| ddm gordon | 12M | $31.52 | — | — | TTM | high |
| graham number | 12M | $67.62 | — | — | TTM | high |
| Mgmt guidance | 12M | $76.45 | 16.5 | 4.62 | Mgmt | high |
| Peer P/B | 12M | $89.38 | 2.1 | 42.60 | TTM | high |
| Peer P/FCF | 12M | $83.95 | 13.6 | 6.17 | TTM | high |
| Peer P/E | 12M | $78.94 | 16.5 | 4.77 | TTM | high |
| Peer P/S | 12M | $62.90 | 3.4 | 18.64 | TTM | high |
| PEG | 12M | $112.38 | 23.6 | 4.77 | TTM | high |
| residual income | 12M | $45.94 | — | — | TTM | high |
| Own P/E history | 12M | $55.40 | 11.6 | 4.77 | TTM | high |
| triangulated | 12M | $80.47 | 16.5 | 4.86 | Triangulated | high |
| Mgmt guidance | 3Y | $108.21 | 16.5 | 6.54 | Mgmt(prov.) | medium |
| Peer P/B | 3Y | $110.77 | 2.1 | 52.80 | Hist. CAGR(prov.) | medium |
| Peer P/FCF | 3Y | $127.67 | 13.6 | 9.38 | Hist. CAGR(prov.) | medium |
| Peer P/E | 3Y | $106.56 | 16.5 | 6.44 | Analyst | medium |
| Peer P/S | 3Y | $80.66 | 3.4 | 23.90 | Analyst | medium |
| PEG | 3Y | $151.70 | 23.6 | 6.44 | Analyst | medium |
| Own P/E history | 3Y | $74.78 | 11.6 | 6.44 | Analyst | medium |
| Mgmt guidance | 5Y | $136.41 | 16.5 | 8.24 | Mgmt(prov.) | high |
| Peer P/B | 5Y | $127.81 | 2.1 | 60.92 | Hist. CAGR(prov.) | high |
| Peer P/FCF | 5Y | $168.84 | 13.6 | 12.41 | Hist. CAGR(prov.) | high |
| Peer P/E | 5Y | $125.32 | 16.5 | 7.57 | Analyst | high |
| Peer P/S | 5Y | $94.86 | 3.4 | 28.11 | Analyst | high |
| PEG | 5Y | $178.42 | 23.6 | 7.57 | Analyst | high |
| Own P/E history | 5Y | $87.95 | 11.6 | 7.57 | Analyst | high |
A “consensus-then vs. actual-now” overlay is on the way — what our valuation estimate said on a past date versus where the price actually landed.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.