U.S. Bancorp (USB)

Financial Services · Banks - Regional · S&P 500
$57.29 +0.03% on the day Market cap $89.9B 52-week range $45.02 to $66.08 Prices as of Oct 7, 2026

What the price implies

A reverse DCF: instead of guessing a fair value, it asks what growth today's price already assumes. How it works.

U.S. Bancorp's free cash flow isn't comparable to its market value here, so a cash-flow reverse DCF doesn't give a meaningful answer. The Modeling tab works from revenue and margins instead.

Fundamental grade

C

Five factors scored 1 to 9 from USB's latest numbers, weighted into one grade. It describes the business, not whether the stock is a buy.

Valuation7
Profitability6
Growth6
Financial health1

Key numbers

P/E (trailing)12.1x
P/E (forward)12.0x
Price / free cash flow11.3x
EV / EBITDA11.5x
Price / sales3.03x
Price / book1.59x
Revenue growth+10.1%
Operating margin—
Net margin27.5%
Return on equity12.1%
Dividend yield3.5%
Debt / equity9.76x

Results from SEC filings

Fiscal years, from U.S. Bancorp's 10-K filings. The deep dive has 15+ years, quarters and every line.

Fiscal year20212022202320242025
Revenue$22.7B$24.3B$28.1B$27.5B$28.7B
Net income$8.0B$5.8B$5.4B$6.3B$7.6B
Free cash flow—————
EPS (diluted)$5.10$3.69$3.27$3.79$4.62
Operating margin—————

Where the revenue comes from

Revenue by segments, fiscal 2025.

Wealth, Corporate, Commercial and Institutional Banking$12.1B43%
Consumer and Business Banking$8.9B31%
Payment Services$7.4B26%

Superinvestors who own USB

From each investor's latest 13F filing (what a 13F shows). 7 of the investors we track hold it.

InvestorLast quarterValue% of portfolioQuarter
Jean-Marie Eveillard
First Eagle Investment Management
Added $551M0.92%Q2 2026
Cliff Asness
AQR Capital Management
Trimmed $269M0.09%Q2 2026
Tweedy, Browne
Tweedy, Browne Company
Trimmed $11M0.83%Q2 2026
Charlie Munger
Daily Journal Corp
Held $7M2.8%Q2 2026
Joel Greenblatt
Gotham Asset Management
Trimmed $3M0.01%Q2 2026
Hersh Cohen
ClearBridge Investments
Held $731,9880.00%Q2 2026
Will Nasgovitz
Heartland Advisors
Held $120,8000.00%Q2 2026

Insider buying

Open-market purchases by U.S. Bancorp's executives and directors in the last 12 months, from SEC Form 4 filings. What insider buying tells you.

No open-market insider purchases of USB in the last 12 months. Most insider activity is selling and option exercises, which aren't shown here.

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In the full deep dive

DCF fair value per share
Yearly return (IRR) at today's price
Growth implied by revenue and margins
15+ years of statements and quarters

Questions

Are U.S. Bancorp insiders buying the stock?

No open-market insider purchases of USB in the last 12 months, according to SEC Form 4 filings.

Which superinvestors own U.S. Bancorp?

7 of the superinvestors Investingly tracks hold USB in their latest 13F, including Jean-Marie Eveillard, Cliff Asness, Tweedy, Browne.

Prices and ratios as of Oct 7, 2026; statements from SEC filings. Information only, not investment advice. Superinvestor holdings come from 13F filings, which are filed up to 45 days after each quarter ends.