U.S. Bancorp, a financial services holding company (0LHY) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of U.S. Bancorp, a financial services holding company $51.09, price $57.55, upside -11.2%, quality 60 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? Yes
- Add to watchlist
U.S. Bancorp, a financial services holding company
0LHY · LSEOvervalued / MonitorQuality is not strong enough to offset the price risk.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range $24.83 – $65.38 · fair‑value band $38.32 – $63.86 · the $57.55 price screens above the $51.09 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
Company profile
U.S. Bancorp, a financial services holding company, provides various financial services to individuals, businesses, institutional organizations, governmental entities, and other financial institutions in the United States.
Show more
U.S. Bancorp, a financial services holding company, provides various financial services to individuals, businesses, institutional organizations, governmental entities, and other financial institutions in the United States. The company operates through Wealth, Corporate, Commercial and Institutional Banking; Consumer and Business Banking; Payment Services; and Treasury and Corporate Support segments. It offers depository services, including checking accounts, savings accounts, and time certificate contracts; and lending services, such as traditional credit products and credit card services, lease financing and import/export trade, agricultural finance, asset-backed lending, and other products. The company also provides cash management, capital markets, and trust and investment management services; and ancillary services comprising capital markets, treasury management, and receivable lock-box collection services to corporate and governmental entity customers. In addition, it offers asset management and fiduciary services for individuals, estates, foundations, business corporations, and charitable organizations; and investment and insurance products to its customers principally within its domestic markets, as well as fund administration services to mutual and other funds. Further, the company provides corporate and purchasing card, and corporate trust services; and credit card services, merchant and ATM processing, mortgage banking, insurance, brokerage and leasing services. U.S. Bancorp was founded in 1863 and is headquartered in Minneapolis, Minnesota.
Stock analysis
U.S. Bancorp, a financial services holding company, (0LHY) currently trades at $57.55, while our model-based Fair Value estimate is $51.09, 11.2% below the price, so the stock looks overvalued today.
Show more
Valuation
Bull case: the Multiples group reads highest at a median of $56.48 per share, and 1 of the 4 models we run sit above the $57.55 price.
Bear case: the Asset-Based group reads lowest at $27.03, and 3 of the 4 models stay below the price. Evidence for this calculation is high.
Scenario range: $38.32 (bear) to $63.86 (bull), the price of $57.55 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 60/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
U.S. Bancorp, a financial services holding company, reported revenue of $42.9B in FY2025 versus $21.8B in FY2021, a compound +18.4%/yr. Reported net income was $7.6B in FY2025, compounding −1.1%/yr from FY2021.
Key figures
Market cap $89.7B · P/E ratio 0.1 · P/S ratio 0.02 · EPS (TTM) $4.64 · Dividend yield 3.6% · Net margin 17.7% · Return on equity 12.6% · Return on assets (EBIT) 1.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).
What moves the price
The share trades about 12% below its 52-week high and 27% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at −11%, 0LHY screens cheaper than that median.
Fair Value models
All 4 models by family
Notify me when 0LHY reaches fair value
Put 0LHY on your watchlist. We get in touch as soon as price and fair value meet or the trend turns.
Set up alert →Quality Score breakdown
Of which business quality 53 · Market factors (momentum, volatility) 60
Revenue & earnings trend
Growth Forecast
0LHY screens overvalued: fair value 11% below the price. Compare with DBS Group →
Compare U.S. Bancorp, a financial services holding company, with another stock
Price, fair value, quality and upside side by side.
Context: sector, industry, market
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: UK Stocks
- Valuation of the UK market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 78.00 SGD | 40.39 SGD | −48% |
| China Merchants Bank Co 600036 | ¥40.69 | ¥52.73 | +30% |
| UniCredit S.p.A UCG | €79.53 | €77.12 | −3% |
| Mizuho Financial Group MFG | $11.05 | $6.82 | −38% |
| Intesa Sanpaolo S.p.A ISP | €6.38 | €4.06 | −36% |
| BNP Paribas SA BNP | €91.54 | €105.99 | +16% |
| HDFC Bank Limited HDFCBANK | ₹721.20 | ₹406.44 | −44% |
| Oversea-Chinese Banking Corporation O39 | 32.01 SGD | 19.78 SGD | −38% |
| Al Rajhi Banking and Investment Corporation 1120 | 63.15 SAR | 36.95 SAR | −41% |
| CaixaBank, S.A CABK | €12.03 | €8.46 | −30% |
Explore undervalued stocks
More undervalued Financial Services stocks →
Try a ready-made strategy
Pick a strategy and jump into the live analysis with that exact screen applied.
Discover tools
Frequently asked questions
Is U.S. Bancorp, a financial services holding company (0LHY) overvalued or undervalued?
What is the fair value of 0LHY?
What is the quality score of 0LHY?
What is the price target for U.S. Bancorp, a financial services holding company (0LHY)?
What is the U.S. Bancorp, a financial services holding company, stock forecast for 2026?
What is the revenue of U.S. Bancorp, a financial services holding company (0LHY)?
Does U.S. Bancorp, a financial services holding company, pay a dividend?
What growth is priced into U.S. Bancorp, a financial services holding company (0LHY)?
What discount rate (WACC) does the fair value of 0LHY use?
What is a reverse DCF?
How much growth has U.S. Bancorp, a financial services holding company (0LHY) delivered so far?
How fast is the sector of U.S. Bancorp, a financial services holding company (0LHY) growing?
What is the free cash flow yield of U.S. Bancorp, a financial services holding company (0LHY)?
What is the intrinsic value of U.S. Bancorp, a financial services holding company (0LHY)?
Is U.S. Bancorp, a financial services holding company, stock overvalued or undervalued in 2026?
Is fair value the same as the market price of 0LHY?
How much is U.S. Bancorp, a financial services holding company, worth?
What do the bullish and bearish scenarios say about 0LHY?
How far is 0LHY from its 52-week high?
Which stocks are comparable to U.S. Bancorp, a financial services holding company,?
Is U.S. Bancorp, a financial services holding company, stock attractive at the current price?
How is the fair value of 0LHY calculated?
Is it still worth investing in stocks now?
What is the share price of U.S. Bancorp, a financial services holding company (0LHY)?
What should I pay attention to with U.S. Bancorp, a financial services holding company, right now?
Where does the earnings growth of U.S. Bancorp, a financial services holding company (0LHY) come from?
Key figures of U.S. Bancorp, a financial services holding company,
How large is the market capitalisation of U.S. Bancorp, a financial services holding company (0LHY)?
What is the P/E ratio of U.S. Bancorp, a financial services holding company (0LHY)?
What is the P/S ratio of U.S. Bancorp, a financial services holding company (0LHY)?
What are the earnings per share of U.S. Bancorp, a financial services holding company (0LHY)?
What is the dividend yield of U.S. Bancorp, a financial services holding company (0LHY)?
What is the net margin of U.S. Bancorp, a financial services holding company (0LHY)?
What is the return on equity of U.S. Bancorp, a financial services holding company (0LHY)?
What is the EBIT return on assets of U.S. Bancorp, a financial services holding company (0LHY)?
What is the operating margin of U.S. Bancorp, a financial services holding company (0LHY)?
How fast is revenue growing at U.S. Bancorp, a financial services holding company (0LHY)?
How fast are earnings growing at U.S. Bancorp, a financial services holding company (0LHY)?
How much net debt does U.S. Bancorp, a financial services holding company (0LHY) carry?
Continue in the live analysis
Fair value and trend for 35,000+ stocks, watchlist, comparison and the diversification check. You can also try 14 days of Pro there, no card.
Open the live analysis →Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.