USB Valuation

US Bancorp

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45.830

-0.1(-0.218%)1D

Overview
Forecast
Valuation
Earnings

USB Relative Valuation

USB's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, USB is overvalued; if below, it's undervalued.

Historical Valuation

US Bancorp (USB) is now in the Fair zone, suggesting that its current forward PE ratio of 10.23 is considered Fairly compared with the five-year average of 10.66. The fair price of US Bancorp (USB) is between 45.20 to 57.39 according to relative valuation methord.

Relative Value

Fair Zone

45.20-57.39

Current Price：45.93

Fair

10.23

Trailing

Forward

0.00

EV/EBITDA

US Bancorp. (USB) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

US Bancorp. (USB) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

2.48

US Bancorp. (USB) has a current PS of 2.48. The 5-year average PS is 2.69. The thresholds are as follows: Strongly Undervalued below 1.49, Undervalued between 1.49 and 2.09, Fairly Valued between 3.30 and 2.09, Overvalued between 3.30 and 3.90, and Strongly Overvalued above 3.90. The current Forward PS of 2.48 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

US Bancorp. (USB) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

US Bancorp. (USB) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

US Bancorp (USB) has a current Price-to-Book (P/B) ratio of 1.31. Compared to its 3-year average P/B ratio of 1.35 , the current P/B ratio is approximately -3.17% higher. Relative to its 5-year average P/B ratio of 1.48, the current P/B ratio is about -11.58% higher. US Bancorp (USB) has a Forward Free Cash Flow (FCF) yield of approximately 10.47%. Compared to its 3-year average FCF yield of 18.33%, the current FCF yield is approximately -42.88% lower. Relative to its 5-year average FCF yield of 15.17% , the current FCF yield is about -30.97% lower.

1.31

P/B

Median3y

1.35

Median5y

1.48

10.47

FCF Yield

Median3y

18.33

Median5y

15.17

Competitors Valuation Multiple

The average P/S ratio for USB's competitors is 3.09, providing a benchmark for relative valuation. US Bancorp Corp (USB) exhibits a P/S ratio of 2.48, which is -19.69% above the industry average. Given its robust revenue growth of 1.46%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

Truist Financial Corp

Canadian Imperial Bank of Commerce

Performance Decomposition

Market capitalization of USB decreased by 2.75% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 26.36 to 29.37.

The secondary factor is the Revenue Growth, contributed 1.46%to the performance.

Overall, the performance of USB in the past 1 year is driven by Margin Expansion. Which is more sustainable.

1.46%

6.11B → 6.20B

Revenue Growth

11.42%

26.36 → 29.37

Margin Expansion

-15.63%

13.03 → 10.99

P/E Change

-2.75%