C vs. HBAN: Citigroup vs. Huntington Bancshares Stock Comparison
How do Citigroup (C) and Huntington Bancshares (HBAN) 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
Citigroup (C) and Huntington Bancshares (HBAN) both belong to the Banks industry, though C is classified under Diversified Banks while HBAN falls under Regional Banks.
| Profile Item | C | HBAN |
|---|---|---|
| Name | Citigroup Inc. | HubSpot 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 | 197.05 billion USD | 31.18 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | Nasdaq |
| Listing Date | January 3, 1977 | March 17, 1980 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | C | HBAN |
|---|---|---|
| Total Return (1Y) | 23.42% | 5.93% |
| Total Return (3Y, Annualized) | 47.29% | 21.12% |
| Total Return (5Y, Annualized) | 16.24% | 4.70% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | C | HBAN |
|---|---|---|
| Volatility (1Y, Annualized) | 29.96% | 26.06% |
| Beta (5Y) | 1.17 | 0.95 |
| Max Drawdown (5Y) | -40.60% | -44.17% |
| Avg. Volume (3M) | 9.35M | 24.74M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | C | HBAN |
|---|---|---|
| Sharpe Ratio (1Y) | 0.64 | 0.06 |
| Sortino Ratio (1Y) | 0.90 | 0.09 |
Profitability
ROE (TTM)
Both Citigroup (C) at 9.35% and Huntington Bancshares (HBAN) at 9.19% produce bottom-quartile ROE versus peers, pointing to weaker profit generation on shareholders’ equity.
C
Banks industry group
9.35%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- Q1
- 9.50%
- C
- 9.35%
- Min
- 3.64%
HBAN
Banks industry group
9.19%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- Q1
- 9.50%
- HBAN
- 9.19%
- Min
- 3.64%
Net Margin (TTM)
Both Citigroup (C) at 23.21% and Huntington Bancshares (HBAN) at 25.37% let more of each sales dollar slip away before the bottom line than peers do, sitting in the lower net margin quartile of their industries.
C
Banks industry group
23.21%
- Max
- 47.19%
- Q3
- 35.25%
- Median
- 31.21%
- Q1
- 27.11%
- C
- 23.21%
- Min
- 14.93%
HBAN
Banks industry group
25.37%
- Max
- 47.19%
- Q3
- 35.25%
- Median
- 31.21%
- Q1
- 27.11%
- HBAN
- 25.37%
- Min
- 14.93%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Citigroup (C) in Banks and Huntington Bancshares (HBAN) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | C | HBAN |
|---|---|---|
| ROE (TTM) | 9.35% | 9.19% |
| ROA (TTM) | 0.71% | 1.01% |
| Net Margin (TTM) | 23.21% | 25.37% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Huntington Bancshares (HBAN) at 10.22% is around its peer norm for revenue growth, while Citigroup (C) at 5.63% drops into the bottom quartile, signaling weaker demand or pricing momentum.
EPS Growth
Both Citigroup (C) at 17.68% and Huntington Bancshares (HBAN) at 13.93% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.
Growth Metrics
| Metric | C | HBAN |
|---|---|---|
| Revenue Growth (YoY) | 5.63% | 10.22% |
| Revenue Growth (3Y CAGR) | 4.59% | 3.88% |
| EPS Growth (YoY) | 17.68% | 13.93% |
| EPS Growth (3Y CAGR) | -0.05% | -1.40% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Citigroup (C) in Banks and Huntington Bancshares (HBAN) 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: Citigroup (C) in Banks and Huntington Bancshares (HBAN) 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 | C | HBAN |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Huntington Bancshares (HBAN) at 3.97% delivers top-quartile income for its industry, while Citigroup (C) at 2.09% pays a more typical yield — both are credible income propositions, HBAN the richer one.
C
Banks industry group
2.09%
- Max
- 5.79%
- Q3
- 3.18%
- Median
- 2.39%
- C
- 2.09%
- Q1
- 1.20%
- Min
- 0.00%
HBAN
Banks industry group
3.97%
- Max
- 5.79%
- HBAN
- 3.97%
- Q3
- 3.18%
- Median
- 2.39%
- Q1
- 1.20%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Citigroup (C) at 24.07% pays out a band-typical share of earnings, while Huntington Bancshares (HBAN) at 50.82% distributes more than its industry norm — less retained, thinner cover.
C
Banks industry group
24.07%
- Max
- 70.75%
- Q3
- 41.28%
- Median
- 29.26%
- C
- 24.07%
- Q1
- 18.98%
- Min
- 0.00%
HBAN
Banks industry group
50.82%
- Max
- 70.75%
- HBAN
- 50.82%
- Q3
- 41.28%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
Dividend Metrics
| Metric | C | HBAN |
|---|---|---|
| Dividend Yield (TTM) | 2.09% | 3.97% |
| Dividend Payout Ratio (TTM) | 24.07% | 50.82% |
Valuation
P/E Ratio (TTM)
Both Citigroup (C) at 11.60 and Huntington Bancshares (HBAN) at 12.68 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.
C
Banks industry group
11.60
- Max
- 18.16
- Q3
- 13.75
- Median
- 11.81
- C
- 11.60
- Q1
- 10.64
- Min
- 6.49
HBAN
Banks industry group
12.68
- Max
- 18.16
- Q3
- 13.75
- HBAN
- 12.68
- Median
- 11.81
- Q1
- 10.64
- Min
- 6.49
P/S Ratio (TTM)
P/S ratio is set aside for both Citigroup (C) in Banks and Huntington Bancshares (HBAN) 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)
Relative to net asset value, both Citigroup (C) at 1.03 and Huntington Bancshares (HBAN) at 1.06 look inexpensive, sitting in the lower P/B ratio quartile of their industries.
C
Banks industry group
1.03
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- Q1
- 1.10
- C
- 1.03
- Min
- 0.59
HBAN
Banks industry group
1.06
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- Q1
- 1.10
- HBAN
- 1.06
- Min
- 0.59
Valuation Metrics
| Metric | C | HBAN |
|---|---|---|
| P/E Ratio (TTM) | 11.60 | 12.68 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 1.03 | 1.06 |
| Free Cash Flow Yield (TTM) | -- | -- |