BAC vs. C: Bank of America vs. Citigroup Stock Comparison
How do Bank of America (BAC) and Citigroup (C) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
Bank of America (BAC) and Citigroup (C) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.
| Profile Item | BAC | C |
|---|---|---|
| Name | Bank of America Corporation | Citigroup Inc. |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Banks | Banks |
| GICS Industry | Banks | Banks |
| GICS Sub-Industry | Diversified Banks | Diversified Banks |
| Market Capitalization | 438.07 billion USD | 221.95 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | February 21, 1973 | January 3, 1977 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | BAC | C |
|---|---|---|
| Total Return (1Y) | 31.52% | 41.24% |
| Total Return (3Y, Annualized) | 27.77% | 45.48% |
| Total Return (5Y, Annualized) | 12.71% | 18.22% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | BAC | C |
|---|---|---|
| Volatility (1Y, Annualized) | 21.89% | 29.27% |
| Beta (5Y) | 1.17 | 1.13 |
| Max Drawdown (5Y) | -46.64% | -44.31% |
| Avg. Volume (3M) | 36.17M | 12.64M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | BAC | C |
|---|---|---|
| Sharpe Ratio (1Y) | 1.26 | 1.27 |
| Sortino Ratio (1Y) | 1.80 | 1.89 |
Profitability
ROE (TTM)
Bank of America (BAC) at 11.20% is around its peer norm for ROE, while Citigroup (C) at 8.53% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.
BAC
Banks industry group
11.20%
- Max
- 19.49%
- Q3
- 13.35%
- BAC
- 11.20%
- Median
- 11.11%
- Q1
- 9.25%
- Min
- 3.19%
C
Banks industry group
8.53%
- Max
- 19.49%
- Q3
- 13.35%
- Median
- 11.11%
- Q1
- 9.25%
- C
- 8.53%
- Min
- 3.19%
Net Margin (TTM)
Bank of America (BAC) at 29.52% keeps about the industry-typical share of revenue as profit, while Citigroup (C) at 21.83% retains only a bottom-quartile share.
BAC
Banks industry group
29.52%
- Max
- 47.26%
- Q3
- 34.92%
- Median
- 30.75%
- BAC
- 29.52%
- Q1
- 26.51%
- Min
- 14.41%
C
Banks industry group
21.83%
- Max
- 47.26%
- Q3
- 34.92%
- Median
- 30.75%
- Q1
- 26.51%
- C
- 21.83%
- Min
- 14.41%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Bank of America (BAC) in Banks and Citigroup (C) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | BAC | C |
|---|---|---|
| ROE (TTM) | 11.20% | 8.53% |
| ROA (TTM) | 0.97% | 0.66% |
| Net Margin (TTM) | 29.52% | 21.83% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Bank of America (BAC) at 6.84% and Citigroup (C) at 5.63% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.
EPS Growth
Both Bank of America (BAC) at 18.69% and Citigroup (C) at 17.68% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.
Growth Metrics
| Metric | BAC | C |
|---|---|---|
| Revenue Growth (YoY) | 6.84% | 5.63% |
| Revenue Growth (3Y CAGR) | 6.00% | 4.59% |
| EPS Growth (YoY) | 18.69% | 17.68% |
| EPS Growth (3Y CAGR) | 6.10% | -0.05% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Bank of America (BAC) in Banks and Citigroup (C) in Banks both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.
Debt / Equity (MRQ)
debt-to-equity ratio is set aside for both: Bank of America (BAC) in Banks and Citigroup (C) in Banks run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.
Financial Strength Metrics
| Metric | BAC | C |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Bank of America (BAC) at 1.83% and Citigroup (C) at 1.89% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.
BAC
Banks industry group
1.83%
- Max
- 6.21%
- Q3
- 3.05%
- Median
- 2.10%
- BAC
- 1.83%
- Q1
- 0.89%
- Min
- 0.00%
C
Banks industry group
1.89%
- Max
- 6.21%
- Q3
- 3.05%
- Median
- 2.10%
- C
- 1.89%
- Q1
- 0.89%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Bank of America (BAC) at 25.87% and Citigroup (C) at 25.86% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.
BAC
Banks industry group
25.87%
- Max
- 77.19%
- Q3
- 42.22%
- Median
- 28.73%
- BAC
- 25.87%
- Q1
- 18.82%
- Min
- 0.00%
C
Banks industry group
25.86%
- Max
- 77.19%
- Q3
- 42.22%
- Median
- 28.73%
- C
- 25.86%
- Q1
- 18.82%
- Min
- 0.00%
Dividend Metrics
| Metric | BAC | C |
|---|---|---|
| Dividend Yield (TTM) | 1.83% | 1.89% |
| Dividend Payout Ratio (TTM) | 25.87% | 25.86% |
Valuation
P/E Ratio (TTM)
Both Bank of America (BAC) at 14.09 and Citigroup (C) at 13.70 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.
BAC
Banks industry group
14.09
- Max
- 21.36
- Q3
- 15.52
- BAC
- 14.09
- Median
- 12.99
- Q1
- 11.53
- Min
- 5.96
C
Banks industry group
13.70
- Max
- 21.36
- Q3
- 15.52
- C
- 13.70
- Median
- 12.99
- Q1
- 11.53
- Min
- 5.96
P/S Ratio (TTM)
P/S ratio is set aside for both Bank of America (BAC) in Banks and Citigroup (C) in Banks: without a conventional revenue line, pricing per dollar of sales isn’t meaningful, and book- or earnings-based multiples make the better comparison.
P/B Ratio (MRQ)
Citigroup (C) at 1.15 sits in the lower P/B ratio quartile against book while Bank of America (BAC) at 1.57 is valued near its industry’s middle — C is cheaper on assets, though weigh it against ROE and asset quality.
BAC
Banks industry group
1.57
- Max
- 2.30
- Q3
- 1.63
- BAC
- 1.57
- Median
- 1.36
- Q1
- 1.16
- Min
- 0.68
C
Banks industry group
1.15
- Max
- 2.30
- Q3
- 1.63
- Median
- 1.36
- Q1
- 1.16
- C
- 1.15
- Min
- 0.68
Valuation Metrics
| Metric | BAC | C |
|---|---|---|
| P/E Ratio (TTM) | 14.09 | 13.70 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 1.57 | 1.15 |
| Free Cash Flow Yield (TTM) | -- | -- |