Sifting through countless of stocks in the Banks industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in Truist Financial Corporation or U.S. Bancorp because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how Truist Financial Corporation and U.S. Bancorp compare based on key financial metrics to determine which better meets your investment needs.

About Truist Financial Corporation and U.S. Bancorp

Truist Financial Corporation, a financial services company, provides banking and trust services in the Southeastern and Mid-Atlantic United States. The company operates through two segments, Consumer and Small Business Banking; and Wholesale Banking. Its deposit products include noninterest-bearing checking, interest-bearing checking, savings, and money market deposit accounts, as well as certificates of deposit and individual retirement accounts. The company also provides funding; asset management; credit card lending; home equity and mortgage lending; other direct retail lending; home mortgage lending; Investment brokerage services; mobile/online banking; payment solutions; point-of-sale lending; retail and small business deposit products; and small business lending. In addition, it offers asset-based lending, commercial deposit and treasury services; commercial lending; floor plan lending; derivatives; institutional trust services; insurance premium finance; international banking; investment banking and capital markets services; leasing; merchant services; mortgage warehouse lending; real estate lending; supply chain financing; and wealth management/private banking. The company was formerly known as BB&T Corporation and changed its name to Truist Financial Corporation in December 2019. Truist Financial Corporation was founded in 1872 and is headquartered in Charlotte, North Carolina.

U.S. Bancorp, a financial services holding company, provides various financial services to individuals, businesses, institutional organizations, governmental entities, and other financial institutions in the United States. The company operates through Wealth, Corporate, Commercial and Institutional Banking; Consumer and Business Banking; Payment Services; and Treasury and Corporate Support segments. It offers depository services, including checking accounts, savings accounts, and time certificate contracts; and lending services, such as traditional credit products and credit card services, lease financing and import/export trade, agricultural finance, asset-backed lending, and other products. The company also provides cash management, capital markets, and trust and investment management services; and ancillary services comprising capital markets, treasury management, and receivable lock-box collection services to corporate and governmental entity customers. In addition, it offers asset management and fiduciary services for individuals, estates, foundations, business corporations, and charitable organizations; and investment and insurance products to its customers principally within its domestic markets, as well as fund administration services to mutual and other funds. Further, the company provides corporate and purchasing card, and corporate trust services; and credit card services, merchant and ATM processing, mortgage banking, insurance, brokerage and leasing services. U.S. Bancorp was founded in 1863 and is headquartered in Minneapolis, Minnesota.

Latest Banks and Truist Financial Corporation, U.S. Bancorp Stock News

As of September 2, 2026, Truist Financial Corporation had a $62.1 billion market capitalization, compared to the Banks median of $750.0 million. Truist Financial Corporation’s stock is up 4.3% in 2026, up 2% in the previous five trading days and up 9.46% in the past year.

Currently, Truist Financial Corporation’s price-earnings ratio is 11.7. Truist Financial Corporation’s trailing 12-month revenue is $19.0 billion with a 30.7% net profit margin. Year-over-year quarterly sales growth most recently was 8.2%. Analysts expect adjusted earnings to reach $4.614 per share for the current fiscal year. Truist Financial Corporation currently has a 4.1% dividend yield.

As of September 2, 2026, U.S. Bancorp had a $97.8 billion market cap, putting it in the 97th percentile of all stocks. U.S. Bancorp’s stock is up 18.4% in 2026, up 1.3% in the previous five trading days and up 29.37% in the past year.

Currently, U.S. Bancorp’s price-earnings ratio is 12.5. U.S. Bancorp’s trailing 12-month revenue is $27.3 billion with a 29.9% net profit margin. Year-over-year quarterly sales growth most recently was 10.4%. Analysts expect adjusted earnings to reach $5.238 per share for the current fiscal year. U.S. Bancorp currently has a 3.3% dividend yield.

How We Compare Truist Financial Corporation and U.S. Bancorp Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at Truist Financial Corporation and U.S. Bancorp’s stock grades to see how they measure up against one another.

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Truist Financial Corporation and U.S. Bancorp Stock Value Grades

Company	Ticker	Value
Truist Financial Corporation	TFC	B
U.S. Bancorp	USB	B

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection.

Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

AAII’s A+ Investor Value Grade derives from a stock’s value score. The Value Score is the percentile rank of the average of the percentile ranks of the price-to-sales ratio, price-earnings ratio, enterprise-value-to-EBITDA (EV/EBITDA) ratio, shareholder yield, price-to-book-value ratio and price-to-free-cash-flow ratio. The score is variable, meaning it can consider all six ratios or, should any of the six ratios not be valid, the remaining ratios that are valid. To be assigned a Value Score, stocks must have a valid (non-null) ratio and corresponding ranking for at least two of the six valuation ratios.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are a good value and so on.

Truist Financial Corporation has a Value Score of 75, which is Value. U.S. Bancorp has a Value Score of 70, which is Value.

The Value Stock Winner: It’s a Tie!

Looking at the Value Grade breakdown above, both Truist Financial Corporation and U.S. Bancorp have a Value Grade of B. For investors who focus solely on a company’s valuation, you will need to conduct further research into both of these companies’ other metrics to see if they could be good additions to your portfolio. It’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Truist Financial Corporation and U.S. Bancorp’s Quality Grades

Company	Ticker	Quality
Truist Financial Corporation	TFC	D
U.S. Bancorp	USB	D

Like the Value Grade, AAII’s A+ Investor Quality Grade comes from the percentile rank of key metrics. Specifically, the Quality Score is the percentile rank of the average of the percentile ranks of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and the F-Score.

The score is variable, meaning it can consider all eight measures or, should any of the eight measures not be valid, the remaining measures that are valid. To be assigned a Quality Score, stocks must have a valid (non-null) measure and corresponding ranking for at least four of the eight quality measures.

The Quality Score is used to assess the underlying “quality” of a particular stock. A higher-quality stock possesses traits associated with upside potential and reduced downside risk. Backtesting of the Quality Grade shows that stocks with higher grades, on average, outperformed stocks with lower grades over the period of 1998 through 2019.

Stocks receive better grades (higher scores) for having higher scores for the quality subcomponents and worse grades (lower scores) for lower scores for the subcomponents.

Truist Financial Corporation has a Quality Score of 28, which is Weak. U.S. Bancorp has a Quality Score of 27, which is Weak.

The Quality Stock Winner: No Clear Winner

Neither Truist Financial Corporation or U.S. Bancorp has a high enough Quality Grade to be considered a “winner.” Investors who are considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if Truist Financial Corporation or U.S. Bancorp is the better investment when it comes to quality.

Truist Financial Corporation and U.S. Bancorp’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
Truist Financial Corporation	TFC	B
U.S. Bancorp	USB	B

Earnings estimate revisions scores consider the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, positive surprises beget further positive surprises‐or at least continued sales growth (the exact opposite is generally true, too).

Estimate revisions offer an indication of what analysts are thinking about the short-term prospects of a firm. Estimate revisions are based on the statistical significance of a firm’s last two quarterly earnings surprises and the percentage change in its consensus estimate for the current fiscal year over the past month and past three months.

Truist Financial Corporation has a Earnings Estimate Score of 64, which is Positive. U.S. Bancorp has a Earnings Estimate Score of 62, which is Positive.

The Earnings Estimate Revisions Grade Winner: It’s a Tie!

Looking at the Earnings Estimate Revisions Grade breakdown above, both Truist Financial Corporation and U.S. Bancorp have a grade of B. For those focusing solely on a company’s estimate revisions, other financial metrics will need to be evaluated to determine whether Truist Financial Corporation or U.S. Bancorp is a better fit.

Other Truist Financial Corporation and U.S. Bancorp Grades

In addition to Quality, Estimate Revisions and Value, A+ Investor also provides grades for Growth and Momentum.

Momentum grades help uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming.

Growth investing builds on the idea that stocks of companies exhibiting strong, consistent and prolonged growth outperform those of slower-growth companies. AAII measures growth through consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations.

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether Truist Financial Corporation and U.S. Bancorp pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, Truist Financial Corporation or U.S. Bancorp Stock?

Overall, Truist Financial Corporation stock has a Value Score of 75, Estimate Revisions Score of 64 and Quality Score of 28.

U.S. Bancorp stock has a Value Score of 70, Estimate Revisions Score of 62 and Quality Score of 27.

Comparing Truist Financial Corporation and U.S. Bancorp’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.