An independent two-stage DCF analysis by a frontier AI model.
"> As a mature super-regional bank, explosive growth is unlikely and risky. A 3% growth rate models steady loan growth, stable net interest margins, and ongoing cost controls, tracking slightly above long-term inflation.
"> As a mature super-regional bank, explosive growth is unlikely and risky. A 3% growth rate models steady loan growth, stable net interest margins, and ongoing cost controls, tracking slightly above long-term inflation.
Intrinsic value per share under varying discount rate and terminal growth rate assumptions.
| WACC ↓ / Terminal → | 9.0% | 9.5% | 10.0% | 10.5% | 11.0% |
|---|---|---|---|---|---|
| 9.0% | $26.40 | $26.40 | $26.40 | $26.40 | $26.40 |
| 9.5% | $26.40 | $26.40 | $26.40 | $26.40 | $26.40 |
| 10.0% | $26.40 | $26.40 | $26.40 | $26.40 | $26.40 |
| 10.5% | $26.40 | $26.40 | $26.40 | $26.40 | $26.40 |
| 11.0% | $26.40 | $26.40 | $26.40 | $26.40 | $26.40 |
■ Undervalued vs current price ■ Overvalued vs current price
Westmount Research. "U.S. Bancorp (USB) Intrinsic Value: A DCF Analysis." westmountfundamentals.com, 2026-03-19.
Disclaimer: The numbers presented on this page are for educational and entertainment purposes only. They are the result of a deterministic mathematical model fed with assumptions generated by an Artificial Intelligence (Gemini 3.1). This does not constitute investment advice. Always conduct your own due diligence before investing in the stock market.