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 Cullen/Frost Bankers, Inc. or Nu Holdings Ltd. 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 Cullen/Frost Bankers, Inc. and Nu Holdings Ltd. compare based on key financial metrics to determine which better meets your investment needs.

About Cullen/Frost Bankers, Inc. and Nu Holdings Ltd.

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.

Nu Holdings Ltd. provides digital banking platform in Brazil, Mexico, Colombia, the Cayman Islands, and the United States. The company provides spending solutions comprising Nu credit and prepaid card, a digitally enabled card that acts as a credit and a prepaid card; Nubank+ Tier, an evolution of the Nu experience; Ultraviolet credit and prepaid card, a premium metal credit card; mobile payment solutions for NuAccount customers to make and receive transfers, pay bills, and make everyday purchases through their mobile phones; and Nu Shopping, an integrated marketplace that enables customers to purchase goods and services from various ecommerce retailers. It also offers transactional solutions, such as Nu Personal Accounts, a digital account solution for personal financial activities; Nu business accounts for entrepreneur customers and their businesses; and Nu business prepaid and credit card. In addition, it offers savings and investing solutions, including Money Boxes, a solution for goal-based investing; investing solutions, an attractive investment product with customized and conflict-free guidance; and NuCrypto, a solution for buying and selling cryptocurrencies through the Nu app. Further, the company provides borrowing solutions comprising personal unsecured and secured loans; Pix financing that enables credit card and digital account customers to make free and instant peer-to-peer transfers; Boleto financing, which enables credit card and digital account customers to make payments; purchase financing; cash-in financing; and NuPay to make online purchases and pay for services through Nu app. Additionally, it offers protection solutions, such as NuInsurance protection solutions, including life, mobile, auto, home, and financial protection insurance policies; and beyond financial services solutions, including NuTravel, a travel portal; and NuCel, a mobile phone service. Nu Holdings Ltd. was founded in 2013 and is headquartered in São Paulo, Brazil.

Latest Banks and Cullen/Frost Bankers, Inc., Nu Holdings Ltd. Stock News

As of July 31, 2026, Cullen/Frost Bankers, Inc. had a $10.3 billion market capitalization, compared to the Banks median of $716.9 million. Cullen/Frost Bankers, Inc.’s stock is up 31.4% in 2026, up 1.3% in the previous five trading days and up 24.1% in the past year.

Currently, Cullen/Frost Bankers, Inc.’s price-earnings ratio is 16.2. Cullen/Frost Bankers, Inc.’s trailing 12-month revenue is $2.2 billion with a 30.2% net profit margin. Year-over-year quarterly sales growth most recently was 7.8%. Analysts expect adjusted earnings to reach $10.908 per share for the current fiscal year. Cullen/Frost Bankers, Inc. currently has a 2.5% dividend yield.

As of July 31, 2026, Nu Holdings Ltd. had a $69.2 billion market cap, putting it in the 95th percentile of all stocks. Nu Holdings Ltd.’s stock is down 14.4% in 2026, up 1.7% in the previous five trading days and up 13.55% in the past year.

Currently, Nu Holdings Ltd.’s price-earnings ratio is 22.1. Nu Holdings Ltd.’s trailing 12-month revenue is $7.6 billion with a 41.9% net profit margin. Year-over-year quarterly sales growth most recently was 43.8%. Analysts expect adjusted earnings to reach $0.886 per share for the current fiscal year. Nu Holdings Ltd. does not currently pay a dividend.

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

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Cullen/Frost Bankers, Inc. and Nu Holdings Ltd. Stock Value Grades

Company	Ticker	Value
Cullen/Frost Bankers, Inc.	CFR	C
Nu Holdings Ltd.	NU	F

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.

Cullen/Frost Bankers, Inc. has a Value Score of 45, which is Average. Nu Holdings Ltd. has a Value Score of 18, which is Ultra Expensive.

The Value Stock Winner: No Clear Winner

Neither Cullen/Frost Bankers, Inc. or Nu Holdings Ltd. has a high enough value 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 portfolio. It’s important to look at a wide range of financial metrics in order to determine if Cullen/Frost Bankers, Inc. or Nu Holdings Ltd. is the better investment when it comes to value.

Cullen/Frost Bankers, Inc. and Nu Holdings Ltd.’s Quality Grades

Company	Ticker	Quality
Cullen/Frost Bankers, Inc.	CFR	D
Nu Holdings Ltd.	NU	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.

Cullen/Frost Bankers, Inc. has a Quality Score of 35, which is Weak. Nu Holdings Ltd. has a Quality Score of 9, which is Very Weak.

The Quality Stock Winner: No Clear Winner

Neither Cullen/Frost Bankers, Inc. or Nu Holdings Ltd. 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 Cullen/Frost Bankers, Inc. or Nu Holdings Ltd. is the better investment when it comes to quality.

Cullen/Frost Bankers, Inc. and Nu Holdings Ltd.’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
Cullen/Frost Bankers, Inc.	CFR	C
Nu Holdings Ltd.	NU	D

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.

Cullen/Frost Bankers, Inc. has a Earnings Estimate Score of 69, which is Positive. Nu Holdings Ltd. has a Earnings Estimate Score of 26, which is Negative.

The Earnings Estimate Revisions Grade Winner: Cullen/Frost Bankers, Inc.

As you can clearly see from the Earnings Estimate Revisions Grade breakdown above, Cullen/Frost Bankers, Inc. has a better Earnings Estimate Revisions Grade than Nu Holdings Ltd.. For those who are specifically looking for companies with better short-term prospects when compared to other companies in the same industry, Cullen/Frost Bankers, Inc. could be a good stock to invest in. However, it’s important to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Other Cullen/Frost Bankers, Inc. and Nu Holdings Ltd. Grades

In addition to Value, Estimate Revisions and Quality, 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 Cullen/Frost Bankers, Inc. and Nu Holdings Ltd. pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, Cullen/Frost Bankers, Inc. or Nu Holdings Ltd. Stock?

Overall, Cullen/Frost Bankers, Inc. stock has a Value Score of 45, Estimate Revisions Score of 69 and Quality Score of 35.

Nu Holdings Ltd. stock has a Value Score of 18, Estimate Revisions Score of 26 and Quality Score of 9.

Comparing Cullen/Frost Bankers, Inc. and Nu Holdings Ltd.’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.