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 CVB Financial Corp., Cullen/Frost Bankers or Inc. 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 CVB Financial Corp., Cullen/Frost Bankers and Inc. compare based on key financial metrics to determine which better meets your investment needs.

About CVB Financial Corp., Cullen/Frost Bankers and Inc.

CVB Financial Corp. operates as bank holding company for Citizens Business Bank, National Association, a state-chartered bank that provides banking and financial services to small to mid-sized businesses and individuals. The company offers checking, savings, money market, and certificates of time deposit products for business and personal accounts, municipalities and districts, and specialized deposit products for title and escrow; and serves as a federal tax depository for business customers. It also provides commercial lending products comprising lines of credit and other working capital financing, accounts receivable lending, and letters of credit; agriculture loans to finance the operating needs of wholesale dairy farm operations, cattle feeders, livestock raisers, and farmers; lease financing services for municipal governments; commercial real estate and construction loans; consumer financing products, including automobile leasing and financing, lines of credit, credit cards, home mortgages, and home equity loans; and equipment and vehicle leasing services. In addition, the company offers various specialized services, such as treasury management systems for monitoring and managing cash flow, a merchant card processing program, armored pick-up and delivery, payroll services, remote deposit capture, electronic funds transfers, wires and automated clearinghouse, and online account access; and foreign exchange and letters of credit services. Further, it provides financial and trust services, such as fiduciary services, mutual funds, annuities, 401(k) plans, and individual investment accounts. CVB Financial Corp. was founded in 1974 and is headquartered in Ontario, California.

Cullen/Frost Bankers, Inc. operates as the bank holding company for Frost Bank that provides commercial and consumer banking services in Texas. The company offers commercial banking services to corporations, including financing for industrial and commercial properties, interim construction related to industrial and commercial properties, equipment, inventories and accounts receivables, and acquisitions; and treasury management services. It also provides consumer banking services, such as checking accounts, automated-teller machines (ATMs), overdraft facilities, installment and real estate loans, first mortgage loans, home equity loans and lines of credit, drive-in and night deposit services, safe deposit facilities, and brokerage services. In addition, the company offers international banking services comprising deposits, loans, letters of credit, foreign collections, funds transmitting, and foreign exchange services; correspondent banking activities, including check clearing, transfer of funds, fixed income security services, and securities custody and clearance services. Further, it offers trust, investment, agency, and custodial services for individual and corporate clients; capital market services that include sales and trading, new issue underwriting, money market trading, advisory, and securities safekeeping and clearance; and support for international business activities, including foreign exchange, letters of credit, export-import financing, and other related activities. Additionally, the company offers insurance and securities brokerage services; holding of securities for investment purposes; and investment management services for mutual funds, institutions, and individuals. It serves energy, manufacturing, services, construction, retail, telecommunications, healthcare, military, and transportation industries. Cullen/Frost Bankers, Inc. was founded in 1868 and is headquartered in San Antonio, Texas.

Latest Banks and CVB Financial Corp., Cullen/Frost Bankers, Inc. Stock News

As of October 8, 2026, CVB Financial Corp. had a $3.8 billion market capitalization, compared to the Banks median of $678.0 million. CVB Financial Corp.’s stock is up 15.5% in 2026, down 3.5% in the previous five trading days and up 15.08% in the past year.

Currently, CVB Financial Corp.’s price-earnings ratio is 15.2. CVB Financial Corp.’s trailing 12-month revenue is $572.5 million with a 36.1% net profit margin. Year-over-year quarterly sales growth most recently was 41.9%. Analysts expect adjusted earnings to reach $1.743 per share for the current fiscal year. CVB Financial Corp. currently has a 3.7% dividend yield.

As of October 8, 2026, Cullen/Frost Bankers, Inc. had a $9.5 billion market cap, putting it in the 77th percentile of all stocks. Cullen/Frost Bankers, Inc.’s stock is up 18.6% in 2026, down 3.1% in the previous five trading days and up 19.56% in the past year.

Currently, Cullen/Frost Bankers, Inc.’s price-earnings ratio is 14.4. Cullen/Frost Bankers, Inc.’s trailing 12-month revenue is $2.3 billion with a 30.2% net profit margin. Year-over-year quarterly sales growth most recently was 6.1%. Analysts expect adjusted earnings to reach $11.003 per share for the current fiscal year. Cullen/Frost Bankers, Inc. currently has a 2.7% dividend yield.

How We Compare CVB Financial Corp., Cullen/Frost Bankers and Inc. 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 CVB Financial Corp., Cullen/Frost Bankers and Inc.’s stock grades to see how they measure up against one another.

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CVB Financial Corp., Cullen/Frost Bankers and Inc.’s Quality Grades

Company	Ticker	Quality
CVB Financial Corp.	CVBF	F
Cullen/Frost Bankers, Inc.	CFR	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.

CVB Financial Corp. has a Quality Score of 5, which is Very Weak. Cullen/Frost Bankers, Inc. has a Quality Score of 30, which is Weak.

The Quality Stock Winner: No Clear Winner

Neither CVB Financial Corp., Cullen/Frost Bankers or Inc. 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 CVB Financial Corp., Cullen/Frost Bankers or Inc. is the better investment when it comes to quality.

CVB Financial Corp., Cullen/Frost Bankers and Inc.’s Momentum Grades

Company	Ticker	Momentum
CVB Financial Corp.	CVBF	C
Cullen/Frost Bankers, Inc.	CFR	C

Momentum grades help to 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. Momentum is based on the price change of a stock over a specified period relative to all other stocks.

Typically, AAII looks at the weighted relative strength over the trailing four quarters. The weighted four-quarter relative strength rank is the relative price change for each of the past four quarters. The most recent quarterly price change is given a weight of 40% and each of the three previous quarters are given a weighting of 20%.

CVB Financial Corp. has a Momentum Score of 58, which is Average. Cullen/Frost Bankers, Inc. has a Momentum Score of 60, which is Average.

The Momentum Stock Winner: No Clear Winner

Neither CVB Financial Corp., Cullen/Frost Bankers or Inc. has a strong enough Momentum Grade to be considered a “winner.” Investors 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 CVB Financial Corp., Cullen/Frost Bankers or Inc. is the better investment when it comes to momentum.

CVB Financial Corp., Cullen/Frost Bankers and Inc.’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
CVB Financial Corp.	CVBF	B
Cullen/Frost Bankers, Inc.	CFR	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.

CVB Financial Corp. has a Earnings Estimate Score of 61, which is Positive. Cullen/Frost Bankers, Inc. has a Earnings Estimate Score of 65, which is Positive.

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

Looking at the Earnings Estimate Revisions Grade breakdown above, both CVB Financial Corp., Cullen/Frost Bankers and Inc. 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 CVB Financial Corp., Cullen/Frost Bankers or Inc. is a better fit.

Other CVB Financial Corp., Cullen/Frost Bankers and Inc. Grades

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

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.

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.

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 CVB Financial Corp., Cullen/Frost Bankers and Inc. pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, CVB Financial Corp., Cullen/Frost Bankers or Inc. Stock?

Overall, CVB Financial Corp. stock has a Momentum Score of 58, Estimate Revisions Score of 61 and Quality Score of 5.

Cullen/Frost Bankers, Inc. stock has a Momentum Score of 60, Estimate Revisions Score of 65 and Quality Score of 30.

Comparing CVB Financial Corp., Cullen/Frost Bankers and Inc.’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.