CFG vs. HBAN: Citizens Financial vs. Huntington Bancshares Stock Comparison

Company Profile

Citizens Financial (CFG) and Huntington Bancshares (HBAN) are both classified in the Regional Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Both Citizens Financial (CFG) at 8.90% and Huntington Bancshares (HBAN) at 9.19% produce bottom-quartile ROE versus peers, pointing to weaker profit generation on shareholders’ equity.

Both Citizens Financial (CFG) at 27.02% 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.

Neither side reports a meaningful operating margin: for Citizens Financial (CFG) 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

Growth

Huntington Bancshares (HBAN) at 10.22% 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.

Both Citizens Financial (CFG) at 27.39% 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

Financial Strength

current ratio doesn’t apply on either side: Citizens Financial (CFG) 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-to-equity ratio is set aside for both: Citizens Financial (CFG) 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

Dividends

Huntington Bancshares (HBAN) at 3.97% delivers top-quartile income for its industry, while Citizens Financial (CFG) at 2.88% pays a more typical yield — both are credible income propositions, HBAN the richer one.

Citizens Financial (CFG) at 37.17% 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.

Dividend Metrics

Valuation

Both Citizens Financial (CFG) at 12.78 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.

P/S ratio is set aside for both Citizens Financial (CFG) 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.

Huntington Bancshares (HBAN) at 1.06 sits in the lower P/B ratio quartile against book while Citizens Financial (CFG) at 1.16 is valued near its industry’s middle — HBAN is cheaper on assets, though weigh it against ROE and asset quality.

Valuation Metrics