Is USB or VLYPN more undervalued in 2026?

CirclFi compares U.S. Bancorp (USB) and Valley National Bancorp - 8.250 (VLYPN) using 13 institutional-grade valuation models. USB has a Quality of Company score of 6.7/10 while VLYPN scores 6.3/10.

Which is a better buy — USB or VLYPN?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do USB and VLYPN valuations compare?

USB at $54.85 and VLYPN at $26.20 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

USB vs VLYPN Valuation Comparison 2026 — Intrinsic Value Analysis

USB

National Commercial Banks

U.S. Bancorp

Quality

6.7

out of 10

Value Trap

SAFE

Price

$54.85

Last close

Models

12/13

Active

VLYPN

National Commercial Banks

Valley National Bancorp - 8.250

Quality

6.3

out of 10

Value Trap

SAFE

Price

$26.20

Last close

Models

13/13

Active

Model-by-Model Comparison

Model	Type	USB Fair Value	USB Upside	VLYPN Fair Value	VLYPN Upside
Bayesian DCF	Intrinsic	$25.22	-54.0%	$13.05	-50.2%
Earnings Power Value	Intrinsic	$64.32	+17.3%	$12.00	-54.2%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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USB vs VLYPN — Which Stock Is More Undervalued?

USB scores higher with a 6.7/10 quality rating vs VLYPN's 6.3/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing U.S. Bancorp (USB) and Valley National Bancorp - 8.250 (VLYPN) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

USB currently trades at $54.85 with a QOC of 6.7/10, while VLYPN trades at $26.20 with a QOC of 6.3/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).