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 11.26 is considered Fairly compared with the five-year average of 10.64. The fair price of US Bancorp (USB) is between 50.10 to 63.13 according to relative valuation methord.
Relative Value
Fair Zone
50.10-63.13
Current Price：54.87
Fair
11.26
PE
1Y
3Y
5Y
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.
2.82
PS
US Bancorp. (USB) has a current PS of 2.82. 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 3.29 and 2.09, Overvalued between 3.29 and 3.89, and Strongly Overvalued above 3.89. The current Forward PS of 2.82 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 1.48. Compared to its 3-year average P/B ratio of 1.33 , the current P/B ratio is approximately 11.95% higher. Relative to its 5-year average P/B ratio of 1.49, the current P/B ratio is about -0.17% higher. US Bancorp (USB) has a Forward Free Cash Flow (FCF) yield of approximately 11.81%. Compared to its 3-year average FCF yield of 17.12%, the current FCF yield is approximately -31.03% lower. Relative to its 5-year average FCF yield of 15.66% , the current FCF yield is about -24.59% lower.
1.48
P/B
Median3y
1.33
Median5y
1.49
11.81
FCF Yield
Median3y
17.12
Median5y
15.66
Competitors Valuation Multiple
The average P/S ratio for USB's competitors is 3.31, providing a benchmark for relative valuation. US Bancorp Corp (USB) exhibits a P/S ratio of 2.82, which is -14.58% above the industry average. Given its robust revenue growth of 6.04%, this premium appears unsustainable.
Performance Decomposition
1Y
3Y
5Y
Market capitalization of USB increased by 16.21% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 28.28 to 31.09.
The secondary factor is the Revenue Growth, contributed 6.04%to the performance.
Overall, the performance of USB in the past 1 year is driven by Margin Expansion. Which is more sustainable.
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Frequently Asked Questions
Is US Bancorp (USB) currently overvalued or undervalued?
US Bancorp (USB) is now in the Fair zone, suggesting that its current forward PE ratio of 11.26 is considered Fairly compared with the five-year average of 10.64. The fair price of US Bancorp (USB) is between 50.10 to 63.13 according to relative valuation methord.
What is US Bancorp (USB) fair value?
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. The fair price of US Bancorp (USB) is between 50.10 to 63.13 according to relative valuation methord.
How does USB's valuation metrics compare to the industry average?
The average P/S ratio for USB's competitors is 3.31, providing a benchmark for relative valuation. US Bancorp Corp (USB) exhibits a P/S ratio of 2.82, which is -14.58% above the industry average. Given its robust revenue growth of 6.04%, this premium appears unsustainable.
What is the current P/B ratio for US Bancorp (USB) as of Jan 08 2026?
As of Jan 08 2026, US Bancorp (USB) has a P/B ratio of 1.48. This indicates that the market values USB at 1.48 times its book value.
What is the current FCF Yield for US Bancorp (USB) as of Jan 08 2026?
As of Jan 08 2026, US Bancorp (USB) has a FCF Yield of 11.81%. This means that for every dollar of US Bancorp’s market capitalization, the company generates 11.81 cents in free cash flow.
What is the current Forward P/E ratio for US Bancorp (USB) as of Jan 08 2026?
As of Jan 08 2026, US Bancorp (USB) has a Forward P/E ratio of 11.26. This means the market is willing to pay $11.26 for every dollar of US Bancorp’s expected earnings over the next 12 months.
What is the current Forward P/S ratio for US Bancorp (USB) as of Jan 08 2026?
As of Jan 08 2026, US Bancorp (USB) has a Forward P/S ratio of 2.82. This means the market is valuing USB at $2.82 for every dollar of expected revenue over the next 12 months.