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 U.S. Bancorp or Wintrust Financial Corporation 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 U.S. Bancorp and Wintrust Financial Corporation compare based on key financial metrics to determine which better meets your investment needs.

About U.S. Bancorp and Wintrust Financial Corporation

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.

Wintrust Financial Corporation, a financial holding company, provides community-oriented, personal, and commercial banking services in the United States. It operates through three segments: Community Banking, Specialty Finance, and Wealth Management. The Community Banking segment offers non-interest-bearing deposits, non-brokered interest-bearing transaction accounts, and savings and domestic time deposits; home equity, consumer, and real estate loans; safe deposit facilities; and automatic teller machine, online and mobile banking, and other services. This segment also engages in the retail origination of residential mortgages; provision of lending, deposits, and treasury management services to condominium, homeowner, and community associations; and asset-based lending for middle-market companies. In addition, it provides loan and deposit services to mortgage brokerage companies; lending to restaurant franchisees; direct leasing; small business administration loans; commercial mortgages and construction loans; and financial solutions. The Specialty Finance segment offers commercial and life insurance premiums financing for businesses and individuals; accounts receivable financing, value-added, and out-sourced administrative services, including data processing of payrolls, billing, and cash management services to temporary staffing industry; other specialty finance services; equipment financing through structured loan and lease products; and property and casualty insurance premium financing. The Wealth Management segment provides wealth management services, such as trust and investment, tax-deferred like-kind exchange, asset management, and securities brokerage services. Wintrust Financial Corporation was founded in 1991 and is headquartered in Rosemont, Illinois.

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

As of May 13, 2026, U.S. Bancorp had a $81.9 billion market capitalization, compared to the Banks median of $690.6 million. U.S. Bancorp’s stock is up 0.6% in 2026, down 3% in the previous five trading days and up 19.84% in the past year.

Currently, U.S. Bancorp’s price-earnings ratio is 11.1. U.S. Bancorp’s trailing 12-month revenue is $26.6 billion with a 29.3% net profit margin. Year-over-year quarterly sales growth most recently was 4.6%. Analysts expect adjusted earnings to reach $5.106 per share for the current fiscal year. U.S. Bancorp currently has a 3.9% dividend yield.

As of May 13, 2026, Wintrust Financial Corporation had a $9.9 billion market cap, putting it in the 78th percentile of all stocks. Wintrust Financial Corporation’s stock is up 6.1% in 2026, down 1.8% in the previous five trading days and up 20.51% in the past year.

Currently, Wintrust Financial Corporation’s price-earnings ratio is 12.3. Wintrust Financial Corporation’s trailing 12-month revenue is $2.7 billion with a 32.0% net profit margin. Year-over-year quarterly sales growth most recently was 10.4%. Analysts expect adjusted earnings to reach $13.025 per share for the current fiscal year. Wintrust Financial Corporation currently has a 1.5% dividend yield.

How We Compare U.S. Bancorp and Wintrust Financial Corporation 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 U.S. Bancorp and Wintrust Financial Corporation’s stock grades to see how they measure up against one another.

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

Company	Ticker	Value
U.S. Bancorp	USB	B
Wintrust Financial Corporation	WTFC	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.

U.S. Bancorp has a Value Score of 74, which is Value. Wintrust Financial Corporation 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 U.S. Bancorp and Wintrust Financial Corporation 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.

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

Company	Ticker	Quality
U.S. Bancorp	USB	D
Wintrust Financial Corporation	WTFC	F

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.

U.S. Bancorp has a Quality Score of 24, which is Weak. Wintrust Financial Corporation has a Quality Score of 17, which is Very Weak.

The Quality Stock Winner: No Clear Winner

Neither U.S. Bancorp or Wintrust Financial Corporation 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 U.S. Bancorp or Wintrust Financial Corporation is the better investment when it comes to quality.

U.S. Bancorp and Wintrust Financial Corporation’s Momentum Grades

Company	Ticker	Momentum
U.S. Bancorp	USB	C
Wintrust Financial Corporation	WTFC	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%.

U.S. Bancorp has a Momentum Score of 49, which is Average. Wintrust Financial Corporation has a Momentum Score of 53, which is Average.

The Momentum Stock Winner: No Clear Winner

Neither U.S. Bancorp or Wintrust Financial Corporation 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 U.S. Bancorp or Wintrust Financial Corporation is the better investment when it comes to momentum.

Other U.S. Bancorp and Wintrust Financial Corporation Grades

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

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

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 U.S. Bancorp and Wintrust Financial Corporation pass any of our 60+ stock screens that have outperformed the market since their creation.

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

Overall, U.S. Bancorp stock has a Value Score of 74, Momentum Score of 49 and Quality Score of 24.

Wintrust Financial Corporation stock has a Value Score of 70, Momentum Score of 53 and Quality Score of 17.

Comparing U.S. Bancorp and Wintrust Financial Corporation’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.