Citizens Financial vs State Street
CFG and STT 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 STT compare
State Street is the larger company, worth 1.7 times as much as Citizens Financial ($46.6B against $26.9B).
On earnings, Citizens Financial is cheaper: it trades at 13.8× trailing earnings, against 15.0× for State Street.
State Street grew revenue faster over the last twelve months (12.3% 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 23.0% at State Street.
Both pay dividends: Citizens Financial yields 2.2% and State Street 2.0%.
Citizens Financial scores higher on the StockData Score (13 against 12 for State Street), 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 | STT |
|---|---|---|
| Size and price | ||
| Market cap | $26.9B | $46.6B |
| Share price | $63.81 | $169.77 |
| Change, 1 year | 26.5% | 45.4% |
| Change, 5 years | 33.5% | 77.5% |
| Beta (5Y) | 1.13 | 1.15 |
| Employees | 17K | 52K |
| StockData Score | ||
| Total score | 13 (better) | 12 |
| Valuation score | 2 (better) | 1 |
| Growth score | 1 | 2 (better) |
| Performance score | 2 | 3 (better) |
| Health score | 5 (better) | 2 |
| Dividend score | 3 | 4 (better) |
| Valuation | ||
| P/E | 13.8× (better) | 15.0× |
| P/S | 3.1× (better) | 3.1× |
| P/B | 1.0× (better) | 1.6× |
| P/FCF | – | 23.1× |
| PEG | – | 1.60 |
| FCF yield | – | 4.3% |
| Fair value | $59.20 | $131.04 |
| Margin of safety | −7.8% (better) | −29.6% |
| Growth | ||
| Revenue growth (TTM) | 11.0% | 12.3% (better) |
| Revenue growth, 5Y average | 3.6% (better) | 3.6% |
| Net income growth (TTM) | 33.5% (better) | 21.3% |
| EPS growth (TTM) | 40.1% (better) | 27.0% |
| EPS growth, 5Y average | 11.7% (better) | 8.3% |
| Profitability | ||
| Net margin | 24.4% (better) | 23.0% |
| FCF margin | – | 13.4% |
| Return on equity | 8.3% | 12.4% (better) |
| Financial health | ||
| Debt / equity | 0.04 | – |
| Altman Z-score | 0.19 | 0.22 (better) |
| Piotroski F-score | 7 (better) | 5 |
| Dividends and buybacks | ||
| Dividend yield | 2.2% (better) | 2.0% |
| Payout ratio | 36.7% | 33.4% |
| Years of dividend growth | 1 | 15 (better) |
| Dividend growth, 5Y average | 2.0% | 9.0% (better) |
| Buyback yield | 2.7% | 3.4% (better) |
| Shareholder yield | 4.9% | 5.5% (better) |
| Ownership | ||
| Held by institutions | 97.2% | 91.5% |
| Held by insiders | 0.99% | 0.57% |
| Insider net buying, 12 months | −$10.5M (better) | −$20.6M |
| Superinvestors holding | – | 3 |
| Short interest, % of float | 4.1% | 1.9% |
Go deeper
- CFG stock overview
- CFG income statement
- CFG valuation and score
- STT stock overview
- STT income statement
- STT valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.