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 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 Cullen/Frost Bankers, Inc. and U.S. Bancorp compare based on key financial metrics to determine which better meets your investment needs.

About Cullen/Frost Bankers, Inc. and U.S. Bancorp

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.

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 Cullen/Frost Bankers, Inc., U.S. Bancorp 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, U.S. Bancorp had a $98.2 billion market cap, putting it in the 97th percentile of all stocks. U.S. Bancorp’s stock is up 18.1% in 2026, down 1.5% in the previous five trading days and up 37.34% in the past year.

Currently, U.S. Bancorp’s price-earnings ratio is 13.2. U.S. Bancorp’s trailing 12-month revenue is $26.6 billion with a 29.9% net profit margin. Year-over-year quarterly sales growth most recently was 4.6%. Analysts expect adjusted earnings to reach $5.237 per share for the current fiscal year. U.S. Bancorp currently has a 3.3% dividend yield.

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

Learn more about A+ Investor here!

Sign Up to Receive a Free Special Report Showing How A+ Grades Can Help You Make Smarter Investment Decisions

Cullen/Frost Bankers, Inc. and U.S. Bancorp Growth Grades

Company	Ticker	Growth
Cullen/Frost Bankers, Inc.	CFR	A
U.S. Bancorp	USB	B

The foundation of growth investing is seeking out stocks of companies exhibiting strong, consistent and prolonged growth that is expected to continue into the future.

In order to compute the growth score and assign it a letter grade, the percentile ranks for each of three components‐consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations‐must be determined. These three rank figures are added together, and the sum is ranked against the entire stock universe to arrive at a company’s Growth Score to create an equal distribution of grades.

The companies in the bottom 20% of the stock universe receive Growth Grades of F, considered to be very weak, while those in the top 20% receive A grades, which are considered very strong.

Cullen/Frost Bankers, Inc. has a Growth Score of 89, which is Very Strong. U.S. Bancorp has a Growth Score of 77, which is Strong.

The Growth Grade Winner: Cullen/Frost Bankers, Inc.

As you can clearly see from the Growth Grade breakdown above, Cullen/Frost Bankers, Inc. has a more attractive growth grade than U.S. Bancorp. For investors who focus solely on how a company is growing relative to other companies in the same industry, Cullen/Frost Bankers, Inc. could be a good stock to add to their portfolio. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Cullen/Frost Bankers, Inc. and U.S. Bancorp’s Momentum Grades

Company	Ticker	Momentum
Cullen/Frost Bankers, Inc.	CFR	B
U.S. Bancorp	USB	B

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%.

Cullen/Frost Bankers, Inc. has a Momentum Score of 71, which is Strong. U.S. Bancorp has a Momentum Score of 72, which is Strong.

The Momentum Grade Winner: It’s a Tie!

Looking at the Momentum Grade breakdown above, both Cullen/Frost Bankers, Inc. and U.S. Bancorp have a grade of B. For those who focus solely on a company’s momentum, further research will need to be conducted into both companies to see if they fit your individual needs as an investor.

Cullen/Frost Bankers, Inc. and U.S. Bancorp’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
Cullen/Frost Bankers, Inc.	CFR	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.

Cullen/Frost Bankers, Inc. has a Earnings Estimate Score of 69, which is Positive. U.S. Bancorp has a Earnings Estimate Score of 74, which is Positive.

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

Looking at the Earnings Estimate Revisions Grade breakdown above, both Cullen/Frost Bankers, Inc. 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 Cullen/Frost Bankers, Inc. or U.S. Bancorp is a better fit.

Other Cullen/Frost Bankers, Inc. and U.S. Bancorp Grades

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

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 Quality Grade comes from the ranking of key metrics. Specifically, the quality grade is the percentile rank of the composite 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 F-Score.

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 U.S. Bancorp 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 U.S. Bancorp Stock?

Overall, Cullen/Frost Bankers, Inc. stock has a Growth Score of 89, Momentum Score of 71 and Estimate Revisions Score of 69.

U.S. Bancorp stock has a Growth Score of 77, Momentum Score of 72 and Estimate Revisions Score of 74.

Comparing Cullen/Frost Bankers, Inc. 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.