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 Wells Fargo & Company 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 Wells Fargo & Company compare based on key financial metrics to determine which better meets your investment needs.

About Cullen/Frost Bankers, Inc. and Wells Fargo & Company

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.

Wells Fargo & Company, a financial services company, provides diversified banking, investment, mortgage, and consumer and commercial finance products and services in the United States and internationally. It operates through four segments: Consumer Banking and Lending; Commercial Banking; Corporate and Investment Banking; and Wealth and Investment Management. The company’s financial products and services includes checking and savings accounts, and credit and debit cards, as well as home, auto, personal, and small business lending services. It also provides personalized wealth management, brokerage, financial planning, lending, private banking, trust and fiduciary products and services; and financial solutions to private, family owned and public companies through products and services including banking and credit products across multiple industry sectors and municipalities, secured lending and lease products, and treasury management. In addition, it offers a suite of capital markets, banking, and financial products and services, such as corporate banking, investment banking, treasury management, commercial real estate lending and servicing, equity, and fixed income solutions, as well as sales, trading, and research capabilities services to corporate, commercial real estate, government, and institutional clients. Wells Fargo & Company was founded in 1852 and is headquartered in San Francisco, California.

Latest Banks and Cullen/Frost Bankers, Inc., Wells Fargo & Company Stock News

As of July 30, 2026, Cullen/Frost Bankers, Inc. had a $10.3 billion market capitalization, compared to the Banks median of $719.5 million. Cullen/Frost Bankers, Inc.’s stock is up 31.4% in 2026, up 1.3% in the previous five trading days and up 21.05% in the past year.

Currently, Cullen/Frost Bankers, Inc.’s price-earnings ratio is 15.9. Cullen/Frost Bankers, Inc.’s trailing 12-month revenue is $2.2 billion with a 30.0% net profit margin. Year-over-year quarterly sales growth most recently was 7.8%. Analysts expect adjusted earnings to reach $10.420 per share for the current fiscal year. Cullen/Frost Bankers, Inc. currently has a 2.5% dividend yield.

As of July 30, 2026, Wells Fargo & Company had a $258.3 billion market cap, putting it in the 99th percentile of all stocks. Wells Fargo & Company’s stock is down 7.2% in 2026, up 0.2% in the previous five trading days and up 3.36% in the past year.

Currently, Wells Fargo & Company’s price-earnings ratio is 12.4. Wells Fargo & Company’s trailing 12-month revenue is $83.0 billion with a 27.2% net profit margin. Year-over-year quarterly sales growth most recently was 9.5%. Analysts expect adjusted earnings to reach $7.180 per share for the current fiscal year. Wells Fargo & Company currently has a 2.3% dividend yield.

How We Compare Cullen/Frost Bankers, Inc. and Wells Fargo & Company 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 Wells Fargo & Company’s stock grades to see how they measure up against one another.

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Cullen/Frost Bankers, Inc. and Wells Fargo & Company Stock Value Grades

Company	Ticker	Value
Cullen/Frost Bankers, Inc.	CFR	C
Wells Fargo & Company	WFC	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.

Cullen/Frost Bankers, Inc. has a Value Score of 46, which is Average. Wells Fargo & Company has a Value Score of 70, which is Value.

The Value Stock Winner: Wells Fargo & Company

As you can clearly see from the Value Grade breakdown above, Wells Fargo & Company is considered to have better value than Cullen/Frost Bankers, Inc.. For investors who focus solely on a company’s valuation, Wells Fargo & Company 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 Wells Fargo & Company Growth Grades

Company	Ticker	Growth
Cullen/Frost Bankers, Inc.	CFR	A
Wells Fargo & Company	WFC	C

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. Wells Fargo & Company has a Growth Score of 56, which is Average.

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 Wells Fargo & Company. 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 Wells Fargo & Company’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
Cullen/Frost Bankers, Inc.	CFR	C
Wells Fargo & Company	WFC	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 54, which is Neutral. Wells Fargo & Company has a Earnings Estimate Score of 66, which is Positive.

The Earnings Estimate Revisions Grade Winner: Wells Fargo & Company

As you can clearly see from the Earnings Estimate Revisions Grade breakdown above, Wells Fargo & Company has a better Earnings Estimate Revisions Grade than Cullen/Frost Bankers, Inc.. For those who are specifically looking for companies with better short-term prospects when compared to other companies in the same industry, Wells Fargo & Company 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 Wells Fargo & Company Grades

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

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.

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 Wells Fargo & Company 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 Wells Fargo & Company Stock?

Overall, Cullen/Frost Bankers, Inc. stock has a Value Score of 46, Growth Score of 89 and Estimate Revisions Score of 54.

Wells Fargo & Company stock has a Value Score of 70, Growth Score of 56 and Estimate Revisions Score of 66.

Comparing Cullen/Frost Bankers, Inc. and Wells Fargo & Company’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.