Bank of America vs Citigroup
BAC and C side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How BAC and C compare
Bank of America is the larger company, worth 1.7 times as much as Citigroup ($350B against $206B).
On earnings, Bank of America is cheaper: it trades at 11.9× trailing earnings, against 13.3× for Citigroup.
Citigroup grew revenue faster over the last twelve months (10.2% versus 5.4% for Bank of America).
Bank of America keeps more of each dollar of sales as profit, with a net margin of 26.8% compared with 19.5% at Citigroup.
Both pay dividends: Bank of America yields 2.3% and Citigroup 2.0%.
Bank of America scores higher on the StockData Score (12 against 11 for Citigroup), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | BAC | C |
|---|---|---|
| Size and price | ||
| Market cap | $350B | $206B |
| Share price | $50.01 | $122.64 |
| Change, 1 year | −4.9% | 23.7% |
| Change, 5 years | 6.5% | 83.1% |
| Beta (5Y) | 1.11 | 1.16 |
| Employees | 213K | 226K |
| StockData Score | ||
| Total score | 12 (better) | 11 |
| Valuation score | 5 (better) | 2 |
| Growth score | 0 | 1 (better) |
| Performance score | 1 | 2 (better) |
| Health score | 4 | 4 |
| Dividend score | 2 | 2 |
| Valuation | ||
| P/E | 11.9× (better) | 13.3× |
| P/S | 2.9× | 2.3× (better) |
| P/B | 1.2× | 1.0× (better) |
| PEG | 1.95 | – |
| FCF yield | – | −11.9% |
| Fair value | $51.52 | $114.77 |
| Margin of safety | 2.9% (better) | −6.9% |
| Growth | ||
| Revenue growth (TTM) | 5.4% | 10.2% (better) |
| Revenue growth, 5Y average | 5.7% (better) | 2.5% |
| Net income growth (TTM) | 9.8% | 25.8% (better) |
| EPS growth (TTM) | 15.7% | 36.8% (better) |
| EPS growth, 5Y average | 15.3% (better) | 8.2% |
| Profitability | ||
| Net margin | 26.8% (better) | 19.5% |
| FCF margin | – | −26.8% |
| Return on equity | 10.8% (better) | 8.4% |
| Financial health | ||
| Debt / equity | – | 0.33 |
| Altman Z-score | 0.22 (better) | 0.19 |
| Piotroski F-score | 6 (better) | 5 |
| Dividends and buybacks | ||
| Dividend yield | 2.3% (better) | 2.0% |
| Payout ratio | – | 30.5% |
| Years of dividend growth | 12 | – |
| Dividend growth, 5Y average | 8.4% | – |
| Buyback yield | 7.3% | 9.6% (better) |
| Shareholder yield | 9.6% | 11.6% (better) |
| Ownership | ||
| Held by institutions | 76.8% | 79.8% |
| Held by insiders | 0.15% | 0.29% |
| Insider net buying, 12 months | −$31.1M | −$23.0M (better) |
| Superinvestors holding | 8 (better) | 4 |
| Short interest, % of float | – | 1.3% |
Go deeper
- BAC stock overview
- BAC income statement
- BAC valuation and score
- C stock overview
- C income statement
- C valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.