C vs. USB: Citigroup vs. U.S. Bancorp Stock Comparison
How do Citigroup (C) and U.S. Bancorp (USB) 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 U.S. Bancorp (USB) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.
| Profile Item | C | USB |
|---|---|---|
| Name | Citigroup Inc. | U.S. Bancorp |
| 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 | 244.00 billion USD | 90.57 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | January 3, 1977 | May 3, 1973 |
| Security Type | Common Stock | Common Stock |
Performance
Cumulative Growth
Trailing Returns
Performance at a Glance
| Metric | C | USB |
|---|---|---|
| Total Return (1Y) | 86.73% | 40.07% |
Risk
Drawdown
Risk at a Glance
| Metric | C | USB |
|---|---|---|
| Volatility (1Y, Annualized) | 28.23% | 22.32% |
| Beta (5Y) | 1.11 | 0.97 |
| Avg. Volume (3M) | 12.65M | 9.42M |
Profitability
ROE (TTM)
U.S. Bancorp (USB) at 12.35% is around its peer norm for ROE, while Citigroup (C) at 7.65% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.
C
Banks industry group
7.65%
- Max
- 19.15%
- Q3
- 13.07%
- Median
- 10.82%
- Q1
- 8.57%
- C
- 7.65%
- Min
- 3.15%
USB
Banks industry group
12.35%
- Max
- 19.15%
- Q3
- 13.07%
- USB
- 12.35%
- Median
- 10.82%
- Q1
- 8.57%
- Min
- 3.15%
Net Margin (TTM)
U.S. Bancorp (USB) at 29.29% keeps about the industry-typical share of revenue as profit, while Citigroup (C) at 20.36% retains only a bottom-quartile share.
C
Banks industry group
20.36%
- Max
- 47.55%
- Q3
- 34.61%
- Median
- 30.31%
- Q1
- 25.62%
- C
- 20.36%
- Min
- 12.76%
USB
Banks industry group
29.29%
- Max
- 47.55%
- Q3
- 34.61%
- Median
- 30.31%
- USB
- 29.29%
- Q1
- 25.62%
- Min
- 12.76%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Citigroup (C) in Banks and U.S. Bancorp (USB) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability at a Glance
| Metric | C | USB |
|---|---|---|
| ROE (TTM) | 7.65% | 12.35% |
| ROA (TTM) | 0.61% | 1.14% |
| Net Margin (TTM) | 20.36% | 29.29% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Revenue Growth at a Glance
| Metric | C | USB |
|---|---|---|
| Revenue Growth (YoY) | 5.63% | 4.41% |
| Revenue Growth (3Y CAGR) | 4.59% | 5.68% |
EPS Growth
EPS Growth at a Glance
| Metric | C | USB |
|---|---|---|
| EPS Growth (YoY) | 17.68% | 21.90% |
| EPS Growth (3Y CAGR) | -0.05% | 7.78% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Citigroup (C) in Banks and U.S. Bancorp (USB) 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 U.S. Bancorp (USB) 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 at a Glance
| Metric | C | USB |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
U.S. Bancorp (USB) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Citigroup (C) reports a yield of 1.68%, ranking against industry peers normally.
C
Banks industry group
1.68%
- Max
- 6.87%
- Q3
- 2.97%
- Median
- 1.82%
- C
- 1.68%
- Q1
- 0.00%
- Min
- 0.00%
USB
Banks industry group
0.00%
- Max
- 6.87%
- Q3
- 2.97%
- Median
- 1.82%
- USB
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Dividend policy can be sized up on one side only: Citigroup (C) pays out 29.17% of earnings, measured against its industry’s payout band; U.S. Bancorp (USB) shows no payout ratio this period.
C
Banks industry group
29.17%
- Max
- 67.80%
- Q3
- 42.56%
- C
- 29.17%
- Median
- 28.63%
- Q1
- 20.42%
- Min
- 0.00%
USB
Banks industry group
--
- Max
- 67.80%
- Q3
- 42.56%
- Median
- 28.63%
- Q1
- 20.42%
- Min
- 0.00%
- USB
- --
Dividends at a Glance
| Metric | C | USB |
|---|---|---|
| Dividend Yield (TTM) | 1.68% | 0.00% |
| Dividend Payout Ratio (TTM) | 29.17% | -- |
Valuation
P/E Ratio (TTM)
U.S. Bancorp (USB) at 12.19 is near its industry’s usual P/E ratio, while Citigroup (C) at 17.68 sits in the richer quartile — C needs stronger growth or earnings quality to justify the premium.
C
Banks industry group
17.68
- Max
- 20.85
- C
- 17.68
- Q3
- 15.27
- Median
- 12.70
- Q1
- 11.13
- Min
- 6.36
USB
Banks industry group
12.19
- Max
- 20.85
- Q3
- 15.27
- Median
- 12.70
- USB
- 12.19
- Q1
- 11.13
- Min
- 6.36
P/S Ratio (TTM)
P/S ratio is set aside for both Citigroup (C) in Banks and U.S. Bancorp (USB) 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 Citigroup (C) at 1.27 and U.S. Bancorp (USB) at 1.55 are valued close to their industries’ norm against book — neither stands out from peers.
C
Banks industry group
1.27
- Max
- 2.23
- Q3
- 1.56
- C
- 1.27
- Median
- 1.27
- Q1
- 1.10
- Min
- 0.62
USB
Banks industry group
1.55
- Max
- 2.23
- Q3
- 1.56
- USB
- 1.55
- Median
- 1.27
- Q1
- 1.10
- Min
- 0.62
Valuation at a Glance
| Metric | C | USB |
|---|---|---|
| P/E Ratio (TTM) | 17.68 | 12.19 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 1.27 | 1.55 |
| Free Cash Flow Yield (TTM) | -- | -- |