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Bank of America (BAC) vs. Citigroup (C)

This page compares Bank of America (BAC) with Citigroup (C) using performance and risk, profitability, financial strength, growth, dividends, and valuation metrics.

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.

SymbolBACC
NameBank of America CorporationCitigroup Inc.
Country/RegionUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS Industry GroupBanksBanks
GICS IndustryBanksBanks
GICS Sub-IndustryDiversified BanksDiversified Banks
Market Capitalization397.55 billion USD238.49 billion USD
CurrencyUSDUSD
ExchangeNYSENYSE
Listing DateFebruary 21, 1973January 3, 1977
Security TypeCommon StockCommon Stock

Valuation

Price-to-Earnings Ratio (TTM)

Bank of America (BAC) at 13.90 carries typical industry Price-to-Earnings Ratio (TTM), while Citigroup (C) at 17.28 sits in the higher-multiple quartile — C carries a higher trailing earnings multiple relative to peers.

BAC

Banks industry group

13.90

Max
21.53
Q3
15.41
Median
12.95
Q1
11.19
Min
6.13

C

Banks industry group

17.28

Max
21.53
Q3
15.41
Median
12.95
Q1
11.19
Min
6.13
Bank of America (BAC) vs. Citigroup (C): A comparison of their Price-to-Earnings Ratio (TTM) against the Banks industry group benchmark.

Price-to-Sales Ratio (TTM)

Price-to-Sales Ratio (TTM) isn’t a meaningful figure for either Bank of America (BAC) in Banks or Citigroup (C) in Banks under our convention.

BAC

Banks industry group

3.63

Max
6.07
Q3
4.43
Median
3.78
Q1
3.26
Min
1.78

C

Banks industry group

3.03

Max
6.07
Q3
4.43
Median
3.78
Q1
3.26
Min
1.78
Bank of America (BAC) vs. Citigroup (C): A comparison of their Price-to-Sales Ratio (TTM) against the Banks industry group benchmark.

Price-to-Book Ratio (MRQ)

On Price-to-Book Ratio (MRQ), both Bank of America (BAC) at 1.45 and Citigroup (C) at 1.25 are valued close to their industries’ norm against book — neither stands out from peers.

BAC

Banks industry group

1.45

Max
2.22
Q3
1.58
Median
1.30
Q1
1.13
Min
0.64

C

Banks industry group

1.25

Max
2.22
Q3
1.58
Median
1.30
Q1
1.13
Min
0.64
Bank of America (BAC) vs. Citigroup (C): A comparison of their Price-to-Book Ratio (MRQ) against the Banks industry group benchmark.

Valuation at a Glance

SymbolBACC
Price-to-Earnings Ratio (TTM)13.9017.28
Price-to-Sales Ratio (TTM)3.633.03
Price-to-Book Ratio (MRQ)1.451.25
Free Cash Flow Yield----

Profitability

Return on Equity (TTM)

Bank of America (BAC) at 10.64% posts Return on Equity (TTM) around its industry mid-range, while Citigroup (C) at 7.65% drops into the bottom quartile.

BAC

Banks industry group

10.64%

Max
19.15%
Q3
13.07%
Median
10.82%
Q1
8.57%
Min
3.15%

C

Banks industry group

7.65%

Max
19.15%
Q3
13.07%
Median
10.82%
Q1
8.57%
Min
3.15%
Bank of America (BAC) vs. Citigroup (C): A comparison of their Return on Equity (TTM) against the Banks industry group benchmark.

Net Profit Margin (TTM)

Bank of America (BAC) at 28.96% keeps about the industry-typical share of revenue as profit, while Citigroup (C) at 20.36% retains only a bottom-quartile share.

BAC

Banks industry group

28.96%

Max
47.55%
Q3
34.61%
Median
30.31%
Q1
25.62%
Min
12.76%

C

Banks industry group

20.36%

Max
47.55%
Q3
34.61%
Median
30.31%
Q1
25.62%
Min
12.76%
Bank of America (BAC) vs. Citigroup (C): A comparison of their Net Profit Margin (TTM) against the Banks industry group benchmark.

Operating Profit Margin (TTM)

Operating Profit Margin (TTM) isn’t a meaningful figure for either Bank of America (BAC) in Banks or Citigroup (C) in Banks under our convention.

BAC

Banks industry group

35.96%

Max
65.49%
Q3
47.70%
Median
42.03%
Q1
35.73%
Min
22.32%

C

Banks industry group

34.08%

Max
65.49%
Q3
47.70%
Median
42.03%
Q1
35.73%
Min
22.32%
Bank of America (BAC) vs. Citigroup (C): A comparison of their Operating Profit Margin (TTM) against the Banks industry group benchmark.

Profitability at a Glance

SymbolBACC
Return on Equity (TTM)10.64%7.65%
Return on Assets (TTM)0.93%0.61%
Net Profit Margin (TTM)28.96%20.36%
Operating Profit Margin (TTM)35.96%34.08%
Gross Profit Margin (TTM)0.00%0.00%

Growth

Revenue Growth

Bank of America (BAC) vs. Citigroup (C): A comparison of their Revenue Growth across different time periods.

Revenue Growth at a Glance

SymbolBACC
1-Year Revenue Growth6.84%5.63%
3-Year Revenue CAGR6.00%4.59%

EPS Growth

Bank of America (BAC) vs. Citigroup (C): A comparison of their EPS Growth across different time periods.

EPS Growth at a Glance

SymbolBACC
1-Year EPS Growth18.69%17.68%
3-Year EPS CAGR6.10%-0.05%

Financial Strength

Current Ratio (MRQ)

Current Ratio (MRQ) isn’t a meaningful figure for either Bank of America (BAC) in Banks or Citigroup (C) in Banks under our convention.

BAC

Banks industry group

--

Max
--
Q3
--
Median
--
Q1
--
Min
--

C

Banks industry group

--

Max
--
Q3
--
Median
--
Q1
--
Min
--
Bank of America (BAC) vs. Citigroup (C): A comparison of their Current Ratio (MRQ). No industry group benchmark is available for either stock for this metric.

Debt-to-Equity Ratio (MRQ)

Debt-to-Equity Ratio (MRQ) isn’t a meaningful figure for either Bank of America (BAC) in Banks or Citigroup (C) in Banks under our convention.

BAC

Banks industry group

--

Max
--
Q3
--
Median
--
Q1
--
Min
--

C

Banks industry group

--

Max
--
Q3
--
Median
--
Q1
--
Min
--
Bank of America (BAC) vs. Citigroup (C): A comparison of their Debt-to-Equity Ratio (MRQ). No industry group benchmark is available for either stock for this metric.

Financial Strength at a Glance

SymbolBACC
Current Ratio (MRQ)----
Debt-to-Equity Ratio (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Both Bank of America (BAC) at 2.00% and Citigroup (C) at 1.72% report Dividend Yield (TTM) near their industry mid-ranges, so neither company stands out strongly from peers on cash yield relative to share price.

BAC

Banks industry group

2.00%

Max
5.44%
Q3
3.24%
Median
2.58%
Q1
1.71%
Min
0.00%

C

Banks industry group

1.72%

Max
5.44%
Q3
3.24%
Median
2.58%
Q1
1.71%
Min
0.00%
Bank of America (BAC) vs. Citigroup (C): A comparison of their Dividend Yield (TTM) against the Banks industry group benchmark.

Dividend Payout Ratio (TTM)

Both Bank of America (BAC) at 27.30% and Citigroup (C) at 29.17% maintain Dividend Payout Ratio (TTM) around their industries’ median — balanced dividend policy on both sides, returning cash while leaving part of reported earnings available for reinvestment or balance-sheet flexibility.

BAC

Banks industry group

27.30%

Max
74.88%
Q3
42.57%
Median
29.00%
Q1
19.94%
Min
0.00%

C

Banks industry group

29.17%

Max
74.88%
Q3
42.57%
Median
29.00%
Q1
19.94%
Min
0.00%
Bank of America (BAC) vs. Citigroup (C): A comparison of their Dividend Payout Ratio (TTM) against the Banks industry group benchmark.

Dividends at a Glance

SymbolBACC
Dividend Yield (TTM)2.00%1.72%
Dividend Payout Ratio (TTM)27.30%29.17%

Performance & Risk

BAC
C
Loading price history…
Bank of America (BAC) vs. Citigroup (C): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Performance & Risk at a Glance

SymbolBACC
1-Year Return28.28%82.79%
1-Year Volatility21.60%28.43%
Beta1.161.11
3-Month Avg. Volume37.01M12.42M