CFG vs. KB: Citizens Financial vs. KB Financial Stock Comparison

Company Profile

Citizens Financial (CFG) and KB Financial (KB) both belong to the Banks industry, though CFG is classified under Regional Banks while KB falls under Diversified Banks.

Citizens Financial (CFG) trades as ordinary local shares, while KB Financial (KB) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

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

Capital efficiency shows on one side only: Citizens Financial (CFG) earns 8.90% on shareholders’ equity, ranked against its industry; KB Financial (KB) has no ROE this period.

Both Citizens Financial (CFG) at 27.02% and KB Financial (KB) at 17.25% 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 KB Financial (KB) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Both Citizens Financial (CFG) at 5.61% and KB Financial (KB) at 5.61% post bottom-quartile revenue growth versus peers, pointing to weaker demand or pricing momentum than typical rivals.

Both Citizens Financial (CFG) at 27.39% and KB Financial (KB) at 27.83% 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 KB Financial (KB) 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 KB Financial (KB) 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

Citizens Financial (CFG) at 2.88% pays an industry-typical yield; KB Financial (KB) at 1,434.96% is above its entire peer range — the higher number, but one that calls for a look at payout sustainability before treating it as an advantage.

Both Citizens Financial (CFG) at 37.17% and KB Financial (KB) at 26.89% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.

Dividend Metrics

Valuation

KB Financial (KB) at 9.55 sits in the cheaper P/E ratio quartile, while Citizens Financial (CFG) at 12.78 is closer to its industry’s usual earnings multiple — a discount for KB, though growth and earnings durability still matter.

P/S ratio is set aside for both Citizens Financial (CFG) in Banks and KB Financial (KB) 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.

Citizens Financial (CFG) at 1.16 sits near its industry’s typical P/B ratio, while KB Financial (KB) at 3.68 prices above its benchmark range — KB looks rich relative to book.

Valuation Metrics