CFG vs. PNC: Citizens Financial vs. PNC Financial Services Stock Comparison
How do Citizens Financial (CFG) and PNC Financial Services (PNC) 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 PNC Financial Services (PNC) both belong to the Banks industry, though CFG is classified under Regional Banks while PNC falls under Diversified Banks.
| Profile Item | CFG | PNC |
|---|---|---|
| Name | Citizens Financial Group Inc. | The PNC Financial Services Group, Inc. |
| 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 | 89.43 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | September 24, 2014 | November 17, 1975 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | CFG | PNC |
|---|---|---|
| Total Return (1Y) | 30.28% | 30.50% |
| Total Return (3Y, Annualized) | 42.95% | 29.46% |
| Total Return (5Y, Annualized) | 10.93% | 6.26% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | CFG | PNC |
|---|---|---|
| Volatility (1Y, Annualized) | 25.87% | 21.60% |
| Beta (5Y) | 1.07 | 0.90 |
| Max Drawdown (5Y) | -56.19% | -47.98% |
| Avg. Volume (3M) | 3.99M | 1.77M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | CFG | PNC |
|---|---|---|
| Sharpe Ratio (1Y) | 1.00 | 1.21 |
| Sortino Ratio (1Y) | 1.50 | 1.77 |
Profitability
ROE (TTM)
PNC Financial Services (PNC) at 13.10% is around its peer norm for ROE, while Citizens Financial (CFG) at 8.90% drops into the bottom quartile, signaling weaker returns 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%
PNC
Banks industry group
13.10%
- Max
- 19.84%
- Q3
- 13.67%
- PNC
- 13.10%
- Median
- 11.49%
- Q1
- 9.50%
- Min
- 3.64%
Net Margin (TTM)
PNC Financial Services (PNC) at 31.68% keeps about the industry-typical share of revenue as profit, while Citizens Financial (CFG) at 27.02% retains only a bottom-quartile share.
CFG
Banks industry group
27.02%
- Max
- 47.19%
- Q3
- 35.25%
- Median
- 31.21%
- Q1
- 27.11%
- CFG
- 27.02%
- Min
- 14.93%
PNC
Banks industry group
31.68%
- Max
- 47.19%
- Q3
- 35.25%
- PNC
- 31.68%
- Median
- 31.21%
- Q1
- 27.11%
- Min
- 14.93%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Citizens Financial (CFG) in Banks and PNC Financial Services (PNC) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | CFG | PNC |
|---|---|---|
| ROE (TTM) | 8.90% | 13.10% |
| ROA (TTM) | 0.99% | 1.33% |
| Net Margin (TTM) | 27.02% | 31.68% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
PNC Financial Services (PNC) at 10.90% 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 PNC Financial Services (PNC) at 20.74% 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 | PNC |
|---|---|---|
| Revenue Growth (YoY) | 5.61% | 10.90% |
| Revenue Growth (3Y CAGR) | 0.93% | 3.01% |
| EPS Growth (YoY) | 27.39% | 20.74% |
| EPS Growth (3Y CAGR) | -1.99% | 6.20% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Citizens Financial (CFG) in Banks and PNC Financial Services (PNC) 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 PNC Financial Services (PNC) 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 | PNC |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Citizens Financial (CFG) at 2.88% and PNC Financial Services (PNC) at 3.13% 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%
PNC
Banks industry group
3.13%
- Max
- 5.79%
- Q3
- 3.18%
- PNC
- 3.13%
- Median
- 2.39%
- Q1
- 1.20%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Citizens Financial (CFG) at 37.17% and PNC Financial Services (PNC) at 37.81% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.
CFG
Banks industry group
37.17%
- Max
- 70.75%
- Q3
- 41.28%
- CFG
- 37.17%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
PNC
Banks industry group
37.81%
- Max
- 70.75%
- Q3
- 41.28%
- PNC
- 37.81%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
Dividend Metrics
| Metric | CFG | PNC |
|---|---|---|
| Dividend Yield (TTM) | 2.88% | 3.13% |
| Dividend Payout Ratio (TTM) | 37.17% | 37.81% |
Valuation
P/E Ratio (TTM)
Both Citizens Financial (CFG) at 12.78 and PNC Financial Services (PNC) at 12.00 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.
CFG
Banks industry group
12.78
- Max
- 18.16
- Q3
- 13.75
- CFG
- 12.78
- Median
- 11.81
- Q1
- 10.64
- Min
- 6.49
PNC
Banks industry group
12.00
- Max
- 18.16
- Q3
- 13.75
- PNC
- 12.00
- 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 PNC Financial Services (PNC) 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)
Citizens Financial (CFG) at 1.16 is valued about in line with its industry on P/B ratio, while PNC Financial Services (PNC) at 1.59 carries an above-peer premium to book — PNC is pricier on assets.
CFG
Banks industry group
1.16
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- CFG
- 1.16
- Q1
- 1.10
- Min
- 0.59
PNC
Banks industry group
1.59
- Max
- 2.28
- PNC
- 1.59
- Q3
- 1.58
- Median
- 1.32
- Q1
- 1.10
- Min
- 0.59
Valuation Metrics
| Metric | CFG | PNC |
|---|---|---|
| P/E Ratio (TTM) | 12.78 | 12.00 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 1.16 | 1.59 |
| Free Cash Flow Yield (TTM) | -- | -- |