U.S. Bancorp (XSWX:USB) Moat Score: 7/10 (As of Jun. 24, 2026)


XSWX:USB U.S. Bancorp XSWX:USB
75 GF Score
Price CHF48.00
GF Value CHF37.94
! 7 Warning Signs
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What is U.S. Bancorp Moat Score?

U.S. Bancorp XSWX:USB 75 Moat Score is 7 as of Jun. 24, 2026. GuruFocus rates XSWX:USB with a GF Score™ of 75/100 and a GF Value™ of CHF37.94. The stock has 7 warning signs investors should review. Among 1,610 Banks companies, U.S. Bancorp ranks better than 99.38% on this metric.

U.S. Bancorp has the Moat Score of 7, which implies that the company might have Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

U.S. Bancorp has Wide Moat: U.S. Bancorp benefits from strong brand strength, significant customer switching costs, and economies of scale. Its extensive distribution network and regulatory barriers provide durable competitive advantages, resulting in a clear wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes U.S. Bancorp might have Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

U.S. Bancorp  (XSWX:USB) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

U.S. Bancorp Moat Score Related Terms

XSWX:USB vs PNC, NU, TFC: Moat Score Comparison

For the Banks - Regional subindustry, U.S. Bancorp's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

U.S. Bancorp Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, U.S. Bancorp's Moat Score distribution charts can be found below:

* The bar in red indicates where U.S. Bancorp's Moat Score falls into.


XSWX:USB
75GF Score
U.S. Bancorp XSWX:USB
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 7 mean?
U.S. Bancorp (XSWX:USB) has a Moat Score of 7 as of Jun. 24, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, U.S. Bancorp ranks #10 out of 1610 companies in the Banks industry, placing it in the top 0.59999999999999%.
Is U.S. Bancorp's Moat Score too high?
U.S. Bancorp's current Moat Score is 7. Based on the distribution chart, U.S. Bancorp ranks #10 out of 1610 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, U.S. Bancorp has a GF Score™ of 75/100, reflecting its overall financial health beyond just this single metric.
How does U.S. Bancorp's Moat Score compare to PNC and NU?
According to the Banks industry distribution chart, U.S. Bancorp ranks #10 out of 1610 companies for Moat Score. This places U.S. Bancorp in the top 1% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. U.S. Bancorp's current Moat Score is 7. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is U.S. Bancorp stock overvalued right now?
U.S. Bancorp (XSWX:USB) has a current Moat Score of 7. The stock's GF Value™ is CHF37.94, compared to a current price of CHF48.00 — trading 26.5% above its estimated fair value. The current Moat Score is 7. U.S. Bancorp's overall GF Score™ is 75/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For U.S. Bancorp (XSWX:USB), the current Moat Score is 7 as of Jun. 24, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is U.S. Bancorp (XSWX:USB) Overvalued in 2026?

Based on GuruFocus' analysis, U.S. Bancorp stock appears to be overvalued. The current stock price of CHF48.00 is trading 26.5% above its estimated GF Value™ of CHF37.94.

Key valuation signals for XSWX:USB:

  • Moat Score: 7
  • GF Value™: CHF37.94 vs. price of CHF48.00 (26.5% above fair value)
  • GF Score™: 75/100 with 7 warning signs

No single metric tells the full story. See the XSWX:USB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

U.S. Bancorp Business Description

Address 800 Nicollet Mall, Minneapolis, MN, USA, 55402
With assets of around $700 billion, U.S. Bancorp is one of the largest regional banks in the US with its footprint in 26 states. The bank's branch network is mostly in Midwestern and Western markets. U.S. Bancorp has a comprehensive product set, with offerings in retail and commercial banking, credit cards, mortgages, payment services, trust, wealth, and capital market services.
75GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

CHF48.00
Price
CHF37.94
GF Value