Popular vs Citizens Financial
BPOP and CFG side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How BPOP and CFG compare
Citizens Financial is the larger company, worth 2.7 times as much as Popular ($26.9B against $10.0B).
On earnings, Popular is cheaper: it trades at 10.6× trailing earnings, against 13.8× for Citizens Financial.
Citizens Financial grew revenue faster over the last twelve months (11.0% versus 9.6% for Popular).
Popular keeps more of each dollar of sales as profit, with a net margin of 37.9% compared with 24.4% at Citizens Financial.
Both pay dividends: Popular yields 2.0% and Citizens Financial 2.2%.
Popular scores higher on the StockData Score (16 against 13 for Citizens Financial), 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 | BPOP | CFG |
|---|---|---|
| Size and price | ||
| Market cap | $10.0B | $26.9B |
| Share price | $156.61 | $63.81 |
| Change, 1 year | 43.4% | 26.5% |
| Change, 5 years | 88.9% | 33.5% |
| Beta (5Y) | 0.85 | 1.13 |
| Employees | 9,427 | 17K |
| StockData Score | ||
| Total score | 16 (better) | 13 |
| Valuation score | 2 | 2 |
| Growth score | 2 (better) | 1 |
| Performance score | 5 (better) | 2 |
| Health score | 3 | 5 (better) |
| Dividend score | 4 (better) | 3 |
| Valuation | ||
| P/E | 10.6× (better) | 13.8× |
| P/S | 3.9× | 3.1× (better) |
| P/B | 1.6× | 1.0× (better) |
| P/FCF | 12.4× | – |
| FCF yield | 8.1% | – |
| Fair value | $148.60 | $59.20 |
| Margin of safety | −5.4% (better) | −7.8% |
| Growth | ||
| Revenue growth (TTM) | 9.6% | 11.0% (better) |
| Revenue growth, 5Y average | 6.2% (better) | 3.6% |
| Net income growth (TTM) | 34.4% (better) | 33.5% |
| EPS growth (TTM) | 43.5% (better) | 40.1% |
| EPS growth, 5Y average | 15.9% (better) | 11.7% |
| Profitability | ||
| Net margin | 37.9% (better) | 24.4% |
| FCF margin | 31.6% | – |
| Return on equity | 15.6% (better) | 8.3% |
| Financial health | ||
| Debt / equity | – | 0.04 |
| Altman Z-score | 0.21 (better) | 0.19 |
| Piotroski F-score | 7 | 7 |
| Dividends and buybacks | ||
| Dividend yield | 2.0% | 2.2% (better) |
| Payout ratio | 20.4% | 36.7% |
| Years of dividend growth | 7 (better) | 1 |
| Dividend growth, 5Y average | 12.6% (better) | 2.0% |
| Buyback yield | – | 2.7% |
| Shareholder yield | 2.0% | 4.9% (better) |
| Ownership | ||
| Held by institutions | 93.1% | 97.2% |
| Held by insiders | 2.0% | 0.99% |
| Insider net buying, 12 months | −$17.3M | −$10.5M (better) |
| Short interest, % of float | – | 4.1% |
Go deeper
- BPOP stock overview
- BPOP income statement
- BPOP valuation and score
- CFG stock overview
- CFG income statement
- CFG valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.