USB
US BANCORP \DE\Data updated: 2026-04-21 · Current price: $55.53
Composite Score: 32
PASS
Score: 32 / 100
Insufficient margin of safety — pass on this opportunity
Profitability
17
Growth
14
Valuation
33
Moat
8
Stability
57
Business Quality
ROE · Gross Margin · Revenue Growth
ROE
11.6%
Quality threshold: > 15%
Gross Margin
N/A
Quality threshold: > 40%
Rev. Growth (5yr)
0.0%
Quality threshold: > 5%
5-Year ROE: 11.6% → 10.8% → 9.8% → 11.5% → 14.5%|5-Year Gross Margin: 0.0% → 0.0% → 0.0% → 0.0% → 0.0%
Financial Strength
Debt Ratio · Free Cash Flow · Current Ratio
Debt / Equity
9.61
Quality threshold: < 0.5
FCF (5yr avg)
11.7B $
Quality threshold: > 0
Current Ratio
1.1x
Quality threshold: > 1.5
FCF Trend (B USD)
$8.0B2022
$11.3B2023
$8.4B2024
$21.1B2025
$9.9B2026
Valuation
Intrinsic Value · Margin of Safety
Owner Earnings
$7.6B
Net Income + D&A - CapEx
Current Price
$55.53
Source: Alpha Vantage
💡 Valuation Note: Intrinsic value based on DCF model, adjustable above. Visit the DCF Calculator for full three-stage valuation.
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