Citizens Financial vs Fifth Third Bancorp
CFG and FITB side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How CFG and FITB compare
Fifth Third Bancorp is the larger company, worth 1.8 times as much as Citizens Financial ($48.9B against $26.9B).
On earnings, Citizens Financial is cheaper: it trades at 13.8× trailing earnings, against 18.4× for Fifth Third Bancorp.
Fifth Third Bancorp grew revenue faster over the last twelve months (60.2% versus 11.0% for Citizens Financial).
Citizens Financial keeps more of each dollar of sales as profit, with a net margin of 24.4% compared with 21.8% at Fifth Third Bancorp.
Both pay dividends: Citizens Financial yields 2.2% and Fifth Third Bancorp 3.0%.
Citizens Financial scores higher on the StockData Score (13 against 12 for Fifth Third Bancorp), 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 | CFG | FITB |
|---|---|---|
| Size and price | ||
| Market cap | $26.9B | $48.9B |
| Share price | $63.81 | $53.87 |
| Change, 1 year | 26.5% | 29.0% |
| Change, 5 years | 33.5% | 22.2% |
| Beta (5Y) | 1.13 | 1.06 |
| Employees | 17K | 19K |
| StockData Score | ||
| Total score | 13 (better) | 12 |
| Valuation score | 2 (better) | 0 |
| Growth score | 1 | 2 (better) |
| Performance score | 2 (better) | 1 |
| Health score | 5 | 5 |
| Dividend score | 3 | 4 (better) |
| Valuation | ||
| P/E | 13.8× (better) | 18.4× |
| P/S | 3.1× (better) | 4.5× |
| P/B | 1.0× (better) | 1.4× |
| P/FCF | – | 16.2× |
| PEG | – | 10.45 |
| FCF yield | – | 6.2% |
| Fair value | $59.20 | $42.62 |
| Margin of safety | −7.8% (better) | −26.4% |
| Growth | ||
| Revenue growth (TTM) | 11.0% | 60.2% (better) |
| Revenue growth, 5Y average | 3.6% | 74.4% (better) |
| Net income growth (TTM) | 33.5% (better) | 0.43% |
| EPS growth (TTM) | 40.1% (better) | −9.0% |
| EPS growth, 5Y average | 11.7% | 14.0% (better) |
| Profitability | ||
| Net margin | 24.4% (better) | 21.8% |
| FCF margin | – | 28.1% |
| Return on equity | 8.3% | 8.4% (better) |
| Financial health | ||
| Debt / equity | 0.04 (better) | 0.13 |
| Altman Z-score | 0.19 | 0.27 (better) |
| Piotroski F-score | 7 | 7 |
| Dividends and buybacks | ||
| Dividend yield | 2.2% | 3.0% (better) |
| Payout ratio | 36.7% | 55.1% |
| Years of dividend growth | 1 | 15 (better) |
| Dividend growth, 5Y average | 2.0% | 7.4% (better) |
| Buyback yield | 2.7% (better) | 0.61% |
| Shareholder yield | 4.9% (better) | 3.6% |
| Ownership | ||
| Held by institutions | 97.2% | 91.4% |
| Held by insiders | 0.99% | 0.43% |
| Insider net buying, 12 months | −$10.5M (better) | −$12.1M |
| Superinvestors holding | – | 1 |
| Short interest, % of float | 4.1% | 4.0% |
Go deeper
- CFG stock overview
- CFG income statement
- CFG valuation and score
- FITB stock overview
- FITB income statement
- FITB valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.