USB U.S. Bancorp

bank · 2026-10-19

N/A

fair · 63

Owner-earnings value$57.18

Price$58.73

Margin of safety -2.6%

Quality gate · 63/100

Returns on capital 13.6/30

Consistency 21.2/22

Margins / pricing power 4/16

Balance sheet 15.2/16

Cash conversion 5.0/10

Capital allocation 4.0/6

Median ROE11.1%

FCF conversion194%

Share count / yr+0.5%

Profitable years4/4

Moat & management

Owner-earnings inputs

Owner earnings (TTM)	8.17B
Owner-earnings yield	8.9%
Free-cash-flow yield	13.7%
Growth used (normalized)	5.7%
Terminal growth	3.0%
Discount rate (hurdle)	9.7%

⚠ financial — owner earnings ≈ net income · financial — valued by residual income (ROE vs cost of equity on book equity)

Date	Quality	Price	Value	MoS	Rating
2026-10-19	63	$58.73	$57.18	-2.6%	N/A
2026-09-30	63	$58.14	$57.41	-1.2%	N/A
2026-09-11	63	$62.41	$58.67	-6.0%	N/A
2026-08-25	63	$62.42	$59.58	-4.5%	N/A
2026-08-06	63	$64.21	$59.01	-8.1%	N/A
2026-07-20	63	$63.14	$59.31	-6.1%	N/A
2026-07-02	63	$61.96	$59.20	-4.5%	N/A
2026-06-25	65	$60.11	$59.53	-1.0%	N/A
2026-06-23	65	$60.05	$59.12	-1.6%	N/A

Date

Quality

Price

Value

MoS

Rating

2026-10-19

$58.73

$57.18

-2.6%

N/A

2026-09-30

$58.14

$57.41

-1.2%

N/A

2026-09-11

$62.41

$58.67

-6.0%

N/A

2026-08-25

$62.42

$59.58

-4.5%

N/A

2026-08-06

$64.21

$59.01

-8.1%

N/A

2026-07-20

$63.14

$59.31

-6.1%

N/A

2026-07-02

$61.96

$59.20

-4.5%

N/A

2026-06-25

$60.11

$59.53

-1.0%

N/A

2026-06-23

$60.05

$59.12

-1.6%

N/A

Quality gate · 63/100

Moat & management

Owner-earnings inputs

History