U.S. Bancorp Valuation
Is USB * undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
1/6Valuation Score 1/6
Below Fair Value
Significantly Below Fair Value
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Analyst Forecast
Share Price vs Fair Value
What is the Fair Price of USB * when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: USB * (MX$1015.5) is trading above our estimate of fair value (MX$754.46)
Significantly Below Fair Value: USB * is trading above our estimate of fair value.
Key Valuation Metric
Which metric is best to use when looking at relative valuation for USB *?
Key metric: As USB * is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.
| What is USB *'s PE Ratio? | |
|---|---|
| PE Ratio | 15.5x |
| Earnings | US$5.09b |
| Market Cap | US$79.16b |
| Key Statistics | |
|---|---|
| Enterprise Value/Revenue | n/a |
| Enterprise Value/EBITDA | n/a |
| PEG Ratio | 1.3x |
Price to Earnings Ratio vs Peers
How does USB *'s PE Ratio compare to its peers?
| Company | Forward PE | Estimated Growth | Market Cap |
|---|---|---|---|
| Peer Average | 45.6x | ||
GFNORTE O Grupo Financiero Banorte. de | 7.3x | 4.1% | Mex$405.3b |
ELEKTRA * Grupo Elektra. de | 162.9x | n/a | Mex$209.5b |
GFINBUR O Grupo Financiero Inbursa. de | 7.7x | 3.8% | Mex$272.5b |
BBAJIO O Banco del Bajío Institución de Banca Múltiple | 4.4x | -6.3% | Mex$49.1b |
USB * U.S. Bancorp | 15.5x | 11.6% | Mex$79.2b |
Price-To-Earnings vs Peers: USB * is good value based on its Price-To-Earnings Ratio (15.5x) compared to the peer average (45.6x).
Price to Earnings Ratio vs Industry
How does USB *'s PE Ratio compare vs other companies in the South American Banks Industry?
| 1 Company | Price / Earnings | Estimated Growth | Market Cap |
|---|---|---|---|
| 1 Company | Estimated Growth | Market Cap | |
|---|---|---|---|
Price-To-Earnings vs Industry: USB * is expensive based on its Price-To-Earnings Ratio (15.5x) compared to the South American Banks industry average (8.8x).
Price to Earnings Ratio vs Fair Ratio
What is USB *'s PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
| Fair Ratio | |
|---|---|
| Current PE Ratio | 15.5x |
| Fair PE Ratio | n/a |
Price-To-Earnings vs Fair Ratio: Insufficient data to calculate USB *'s Price-To-Earnings Fair Ratio for valuation analysis.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
| Date | Share Price | Average 1Y Price Target | Dispersion | High | Low | 1Y Actual price | Analysts |
|---|---|---|---|---|---|---|---|
| Current | Mex$1,015.50 | Mex$1,095.79 +7.9% | 8.0% | Mex$1,340.82 | Mex$995.46 | n/a | 21 |
| Nov ’25 | Mex$986.90 | Mex$1,061.52 +7.6% | 5.9% | Mex$1,200.96 | Mex$980.78 | n/a | 21 |
| Oct ’25 | Mex$898.26 | Mex$987.88 +10.0% | 5.9% | Mex$1,122.22 | Mex$876.12 | n/a | 21 |
| Sep ’25 | Mex$921.39 | Mex$969.52 +5.2% | 6.1% | Mex$1,054.07 | Mex$839.35 | n/a | 22 |
| Aug ’25 | Mex$828.97 | Mex$923.21 +11.4% | 6.7% | Mex$1,024.66 | Mex$782.46 | n/a | 22 |
| Jul ’25 | n/a | Mex$865.49 0% | 7.3% | Mex$969.66 | Mex$768.41 | n/a | 22 |
| Jun ’25 | n/a | Mex$801.27 0% | 7.5% | Mex$916.41 | Mex$712.76 | n/a | 22 |
| May ’25 | n/a | Mex$805.82 0% | 7.4% | Mex$918.96 | Mex$714.75 | n/a | 22 |
| Apr ’25 | n/a | Mex$807.49 0% | 6.9% | Mex$931.36 | Mex$731.79 | n/a | 22 |
| Mar ’25 | Mex$709.75 | Mex$824.14 +16.1% | 8.3% | Mex$1,042.28 | Mex$751.81 | n/a | 22 |
| Feb ’25 | Mex$734.81 | Mex$824.14 +12.2% | 8.3% | Mex$1,042.28 | Mex$751.81 | n/a | 22 |
| Jan ’25 | n/a | Mex$745.26 0% | 15.5% | Mex$1,018.81 | Mex$526.38 | n/a | 24 |
| Dec ’24 | n/a | Mex$713.95 0% | 17.5% | Mex$1,093.91 | Mex$538.27 | n/a | 23 |
| Nov ’24 | n/a | Mex$733.46 0% | 17.3% | Mex$1,081.79 | Mex$558.92 | Mex$986.90 | 23 |
| Oct ’24 | n/a | Mex$767.16 0% | 14.0% | Mex$1,096.38 | Mex$633.07 | Mex$898.26 | 23 |
| Sep ’24 | n/a | Mex$743.18 0% | 14.3% | Mex$1,125.16 | Mex$604.56 | Mex$921.39 | 23 |
| Aug ’24 | Mex$652.02 | Mex$736.49 +13.0% | 16.9% | Mex$1,178.85 | Mex$589.42 | Mex$828.97 | 23 |
| Jul ’24 | Mex$550.00 | Mex$729.54 +32.6% | 20.0% | Mex$1,195.36 | Mex$563.52 | n/a | 23 |
| Jun ’24 | Mex$535.00 | Mex$779.55 +45.7% | 17.4% | Mex$1,176.52 | Mex$561.92 | n/a | 23 |
| May ’24 | n/a | Mex$819.54 0% | 16.1% | Mex$1,209.06 | Mex$667.69 | n/a | 23 |
| Apr ’24 | n/a | Mex$957.72 0% | 12.2% | Mex$1,230.74 | Mex$705.86 | n/a | 23 |
| Mar ’24 | n/a | Mex$1,018.19 0% | 11.6% | Mex$1,417.56 | Mex$810.04 | Mex$709.75 | 23 |
| Feb ’24 | n/a | Mex$1,024.13 0% | 12.1% | Mex$1,388.19 | Mex$825.41 | Mex$734.81 | 22 |
| Jan ’24 | n/a | Mex$1,015.76 0% | 13.2% | Mex$1,360.35 | Mex$835.64 | n/a | 22 |
| Dec ’23 | Mex$844.06 | Mex$1,000.57 +18.5% | 13.6% | Mex$1,360.05 | Mex$823.70 | n/a | 21 |
| Nov ’23 | Mex$846.18 | Mex$1,023.75 +21.0% | 12.0% | Mex$1,266.97 | Mex$851.25 | n/a | 22 |
Analyst Forecast: Target price is less than 20% higher than the current share price.
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