CFG vs. TD: Citizens Financial vs. Toronto-Dominion Bank Stock Comparison

Company Profile

Citizens Financial (CFG) and Toronto-Dominion Bank (TD) both belong to the Banks industry, though CFG is classified under Regional Banks while TD falls under Diversified Banks.

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

Toronto-Dominion Bank (TD) at 12.83% 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.

Both Citizens Financial (CFG) at 27.02% and Toronto-Dominion Bank (TD) at 26.62% 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 Toronto-Dominion Bank (TD) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Toronto-Dominion Bank (TD) at 8.93% 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.

Toronto-Dominion Bank (TD) at 144.92% clears its industry range for EPS growth, a much stronger earnings trajectory than Citizens Financial (CFG) at 27.39%, which is closer to a typical peer reading.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Citizens Financial (CFG) in Banks and Toronto-Dominion Bank (TD) 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 Toronto-Dominion Bank (TD) 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

Toronto-Dominion Bank (TD) at 3.52% delivers top-quartile income for its industry, while Citizens Financial (CFG) at 2.88% pays a more typical yield — both are credible income propositions, TD the richer one.

Citizens Financial (CFG) at 37.17% pays out a band-typical share of earnings, while Toronto-Dominion Bank (TD) at 46.36% distributes more than its industry norm — less retained, thinner cover.

Dividend Metrics

Valuation

Citizens Financial (CFG) at 12.78 is near its industry’s usual P/E ratio, while Toronto-Dominion Bank (TD) at 18.16 sits in the richer quartile — TD needs stronger growth or earnings quality to justify the premium.

P/S ratio is set aside for both Citizens Financial (CFG) in Banks and Toronto-Dominion Bank (TD) 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 is valued about in line with its industry on P/B ratio, while Toronto-Dominion Bank (TD) at 2.27 carries an above-peer premium to book — TD is pricier on assets.

Valuation Metrics