BAC vs. CFG: Bank of America vs. Citizens Financial Stock Comparison
How do Bank of America (BAC) and Citizens Financial (CFG) 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 Citizens Financial (CFG) both belong to the Banks industry, though BAC is classified under Diversified Banks while CFG falls under Regional Banks.
| Profile Item | BAC | CFG |
|---|---|---|
| Name | Bank of America Corporation | Citizens Financial Group 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 | Regional Banks |
| Market Capitalization | 341.01 billion USD | 26.51 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | February 21, 1973 | September 24, 2014 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | BAC | CFG |
|---|---|---|
| Total Return (1Y) | -2.73% | 30.28% |
| Total Return (3Y, Annualized) | 25.52% | 42.95% |
| Total Return (5Y, Annualized) | 4.08% | 10.93% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | BAC | CFG |
|---|---|---|
| Volatility (1Y, Annualized) | 22.49% | 25.87% |
| Beta (5Y) | 1.18 | 1.07 |
| Max Drawdown (5Y) | -46.64% | -56.19% |
| Avg. Volume (3M) | 37.08M | 3.99M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | BAC | CFG |
|---|---|---|
| Sharpe Ratio (1Y) | -0.31 | 1.00 |
| Sortino Ratio (1Y) | -0.41 | 1.50 |
Profitability
ROE (TTM)
Bank of America (BAC) at 10.73% is around its peer norm for ROE, while Citizens Financial (CFG) at 8.90% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.
BAC
Banks industry group
10.73%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- BAC
- 10.73%
- Q1
- 9.50%
- Min
- 3.64%
CFG
Banks industry group
8.90%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- Q1
- 9.50%
- CFG
- 8.90%
- Min
- 3.64%
Net Margin (TTM)
Bank of America (BAC) at 28.06% keeps about the industry-typical share of revenue as profit, while Citizens Financial (CFG) at 27.02% retains only a bottom-quartile share.
BAC
Banks industry group
28.06%
- Max
- 47.19%
- Q3
- 35.25%
- Median
- 31.21%
- BAC
- 28.06%
- Q1
- 27.11%
- Min
- 14.93%
CFG
Banks industry group
27.02%
- Max
- 47.19%
- Q3
- 35.25%
- Median
- 31.21%
- Q1
- 27.11%
- CFG
- 27.02%
- Min
- 14.93%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Bank of America (BAC) in Banks and Citizens Financial (CFG) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | BAC | CFG |
|---|---|---|
| ROE (TTM) | 10.73% | 8.90% |
| ROA (TTM) | 0.94% | 0.99% |
| Net Margin (TTM) | 28.06% | 27.02% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Bank of America (BAC) at 6.84% is around its peer norm for revenue growth, while Citizens Financial (CFG) at 5.61% drops into the bottom quartile, signaling weaker demand or pricing momentum.
EPS Growth
Both Bank of America (BAC) at 18.69% and Citizens Financial (CFG) at 27.39% 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 | CFG |
|---|---|---|
| Revenue Growth (YoY) | 6.84% | 5.61% |
| Revenue Growth (3Y CAGR) | 6.00% | 0.93% |
| EPS Growth (YoY) | 18.69% | 27.39% |
| EPS Growth (3Y CAGR) | 6.10% | -1.99% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Bank of America (BAC) in Banks and Citizens Financial (CFG) 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 Citizens Financial (CFG) 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 | CFG |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Bank of America (BAC) at 2.33% and Citizens Financial (CFG) at 2.88% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.
BAC
Banks industry group
2.33%
- Max
- 5.79%
- Q3
- 3.18%
- Median
- 2.39%
- BAC
- 2.33%
- Q1
- 1.20%
- Min
- 0.00%
CFG
Banks industry group
2.88%
- Max
- 5.79%
- Q3
- 3.18%
- CFG
- 2.88%
- Median
- 2.39%
- Q1
- 1.20%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Bank of America (BAC) at 27.62% and Citizens Financial (CFG) at 37.17% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.
BAC
Banks industry group
27.62%
- Max
- 70.75%
- Q3
- 41.28%
- Median
- 29.26%
- BAC
- 27.62%
- Q1
- 18.98%
- Min
- 0.00%
CFG
Banks industry group
37.17%
- Max
- 70.75%
- Q3
- 41.28%
- CFG
- 37.17%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
Dividend Metrics
| Metric | BAC | CFG |
|---|---|---|
| Dividend Yield (TTM) | 2.33% | 2.88% |
| Dividend Payout Ratio (TTM) | 27.62% | 37.17% |
Valuation
P/E Ratio (TTM)
Both Bank of America (BAC) at 11.79 and Citizens Financial (CFG) at 12.78 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
11.79
- Max
- 18.16
- Q3
- 13.75
- Median
- 11.81
- BAC
- 11.79
- Q1
- 10.64
- Min
- 6.49
CFG
Banks industry group
12.78
- Max
- 18.16
- Q3
- 13.75
- CFG
- 12.78
- Median
- 11.81
- Q1
- 10.64
- Min
- 6.49
P/S Ratio (TTM)
P/S ratio is set aside for both Bank of America (BAC) in Banks and Citizens Financial (CFG) 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)
On P/B ratio, both Bank of America (BAC) at 1.26 and Citizens Financial (CFG) at 1.16 are valued close to their industries’ norm against book — neither stands out from peers.
BAC
Banks industry group
1.26
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- BAC
- 1.26
- Q1
- 1.10
- Min
- 0.59
CFG
Banks industry group
1.16
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- CFG
- 1.16
- Q1
- 1.10
- Min
- 0.59
Valuation Metrics
| Metric | BAC | CFG |
|---|---|---|
| P/E Ratio (TTM) | 11.79 | 12.78 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 1.26 | 1.16 |
| Free Cash Flow Yield (TTM) | -- | -- |