CFG vs. SMFG: Citizens Financial vs. Sumitomo Mitsui Financial Stock Comparison

Company Profile

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

Citizens Financial (CFG) trades as ordinary local shares, while Sumitomo Mitsui Financial (SMFG) 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

Both Citizens Financial (CFG) at 8.90% and Sumitomo Mitsui Financial (SMFG) at 8.57% produce bottom-quartile ROE versus peers, pointing to weaker profit generation on shareholders’ equity.

Sumitomo Mitsui Financial (SMFG) at 27.82% keeps about the industry-typical share of revenue as profit, while Citizens Financial (CFG) at 27.02% retains only a bottom-quartile share.

Neither side reports a meaningful operating margin: for Citizens Financial (CFG) in Banks and Sumitomo Mitsui Financial (SMFG) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Sumitomo Mitsui Financial (SMFG) at 14.32% 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.

Sumitomo Mitsui Financial (SMFG) at 36.62% sits in the top EPS growth quartile, while Citizens Financial (CFG) at 27.39% is closer to the peer norm — faster per-share earnings growth for SMFG.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Citizens Financial (CFG) in Banks and Sumitomo Mitsui Financial (SMFG) 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 Sumitomo Mitsui Financial (SMFG) 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; Sumitomo Mitsui Financial (SMFG) at 334.33% 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 Sumitomo Mitsui Financial (SMFG) at 33.62% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.

Dividend Metrics

Valuation

Both Citizens Financial (CFG) at 12.78 and Sumitomo Mitsui Financial (SMFG) at 13.47 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 Sumitomo Mitsui Financial (SMFG) 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.

On P/B ratio, both Citizens Financial (CFG) at 1.16 and Sumitomo Mitsui Financial (SMFG) at 1.45 are valued close to their industries’ norm against book — neither stands out from peers.

Valuation Metrics