CFG vs. FITB: Citizens Financial vs. Fifth Third Bancorp Stock Comparison
How do Citizens Financial (CFG) and Fifth Third Bancorp (FITB) 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
Citizens Financial (CFG) and Fifth Third Bancorp (FITB) both belong to the Banks industry, though CFG is classified under Regional Banks while FITB falls under Diversified Banks.
| Profile Item | CFG | FITB |
|---|---|---|
| Name | Citizens Financial Group Inc. | Fifth Third Bancorp |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Banks | Banks |
| GICS Industry | Banks | Banks |
| GICS Sub-Industry | Regional Banks | Diversified Banks |
| Market Capitalization | 26.51 billion USD | 47.93 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | Nasdaq |
| Listing Date | September 24, 2014 | March 17, 1980 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | CFG | FITB |
|---|---|---|
| Total Return (1Y) | 30.28% | 31.61% |
| Total Return (3Y, Annualized) | 42.95% | 34.78% |
| Total Return (5Y, Annualized) | 10.93% | 8.38% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | CFG | FITB |
|---|---|---|
| Volatility (1Y, Annualized) | 25.87% | 25.76% |
| Beta (5Y) | 1.07 | 0.96 |
| Max Drawdown (5Y) | -56.19% | -51.68% |
| Avg. Volume (3M) | 3.99M | 6.30M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | CFG | FITB |
|---|---|---|
| Sharpe Ratio (1Y) | 1.00 | 1.06 |
| Sortino Ratio (1Y) | 1.50 | 1.58 |
Profitability
ROE (TTM)
Both Citizens Financial (CFG) at 8.90% and Fifth Third Bancorp (FITB) at 9.42% produce bottom-quartile ROE versus peers, pointing to weaker profit generation on shareholders’ equity.
CFG
Banks industry group
8.90%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- Q1
- 9.50%
- CFG
- 8.90%
- Min
- 3.64%
FITB
Banks industry group
9.42%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- Q1
- 9.50%
- FITB
- 9.42%
- Min
- 3.64%
Net Margin (TTM)
Both Citizens Financial (CFG) at 27.02% and Fifth Third Bancorp (FITB) at 22.97% 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.
CFG
Banks industry group
27.02%
- Max
- 47.19%
- Q3
- 35.25%
- Median
- 31.21%
- Q1
- 27.11%
- CFG
- 27.02%
- Min
- 14.93%
FITB
Banks industry group
22.97%
- Max
- 47.19%
- Q3
- 35.25%
- Median
- 31.21%
- Q1
- 27.11%
- FITB
- 22.97%
- Min
- 14.93%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Citizens Financial (CFG) in Banks and Fifth Third Bancorp (FITB) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | CFG | FITB |
|---|---|---|
| ROE (TTM) | 8.90% | 9.42% |
| ROA (TTM) | 0.99% | 1.00% |
| Net Margin (TTM) | 27.02% | 22.97% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Fifth Third Bancorp (FITB) at 6.61% 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 Citizens Financial (CFG) at 27.39% and Fifth Third Bancorp (FITB) at 12.42% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.
Growth Metrics
| Metric | CFG | FITB |
|---|---|---|
| Revenue Growth (YoY) | 5.61% | 6.61% |
| Revenue Growth (3Y CAGR) | 0.93% | 2.87% |
| EPS Growth (YoY) | 27.39% | 12.42% |
| EPS Growth (3Y CAGR) | -1.99% | 1.76% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Citizens Financial (CFG) in Banks and Fifth Third Bancorp (FITB) 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: Citizens Financial (CFG) in Banks and Fifth Third Bancorp (FITB) 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 | CFG | FITB |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Citizens Financial (CFG) at 2.88% and Fifth Third Bancorp (FITB) at 3.03% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.
CFG
Banks industry group
2.88%
- Max
- 5.79%
- Q3
- 3.18%
- CFG
- 2.88%
- Median
- 2.39%
- Q1
- 1.20%
- Min
- 0.00%
FITB
Banks industry group
3.03%
- Max
- 5.79%
- Q3
- 3.18%
- FITB
- 3.03%
- Median
- 2.39%
- Q1
- 1.20%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Citizens Financial (CFG) at 37.17% pays out a band-typical share of earnings, while Fifth Third Bancorp (FITB) at 54.36% distributes more than its industry norm — less retained, thinner cover.
CFG
Banks industry group
37.17%
- Max
- 70.75%
- Q3
- 41.28%
- CFG
- 37.17%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
FITB
Banks industry group
54.36%
- Max
- 70.75%
- FITB
- 54.36%
- Q3
- 41.28%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
Dividend Metrics
| Metric | CFG | FITB |
|---|---|---|
| Dividend Yield (TTM) | 2.88% | 3.03% |
| Dividend Payout Ratio (TTM) | 37.17% | 54.36% |
Valuation
P/E Ratio (TTM)
Citizens Financial (CFG) at 12.78 is near its industry’s usual P/E ratio, while Fifth Third Bancorp (FITB) at 17.80 sits in the richer quartile — FITB needs stronger growth or earnings quality to justify the premium.
CFG
Banks industry group
12.78
- Max
- 18.16
- Q3
- 13.75
- CFG
- 12.78
- Median
- 11.81
- Q1
- 10.64
- Min
- 6.49
FITB
Banks industry group
17.80
- Max
- 18.16
- FITB
- 17.80
- Q3
- 13.75
- Median
- 11.81
- Q1
- 10.64
- Min
- 6.49
P/S Ratio (TTM)
P/S ratio is set aside for both Citizens Financial (CFG) in Banks and Fifth Third Bancorp (FITB) 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 Citizens Financial (CFG) at 1.16 and Fifth Third Bancorp (FITB) at 1.55 are valued close to their industries’ norm against book — neither stands out from peers.
CFG
Banks industry group
1.16
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- CFG
- 1.16
- Q1
- 1.10
- Min
- 0.59
FITB
Banks industry group
1.55
- Max
- 2.28
- Q3
- 1.58
- FITB
- 1.55
- Median
- 1.32
- Q1
- 1.10
- Min
- 0.59
Valuation Metrics
| Metric | CFG | FITB |
|---|---|---|
| P/E Ratio (TTM) | 12.78 | 17.80 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 1.16 | 1.55 |
| Free Cash Flow Yield (TTM) | -- | -- |