CFG vs. TFC: Citizens Financial vs. Truist Financial Stock Comparison
How do Citizens Financial (CFG) and Truist Financial (TFC) 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 Truist Financial (TFC) are both classified in the Regional Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.
| Profile Item | CFG | TFC |
|---|---|---|
| Name | Citizens Financial Group Inc. | Truist Financial Corporation |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Banks | Banks |
| GICS Industry | Banks | Banks |
| GICS Sub-Industry | Regional Banks | Regional Banks |
| Market Capitalization | 26.51 billion USD | 59.18 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | September 24, 2014 | March 18, 1980 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | CFG | TFC |
|---|---|---|
| Total Return (1Y) | 30.28% | 18.58% |
| Total Return (3Y, Annualized) | 42.95% | 25.74% |
| Total Return (5Y, Annualized) | 10.93% | -0.01% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | CFG | TFC |
|---|---|---|
| Volatility (1Y, Annualized) | 25.87% | 23.91% |
| Beta (5Y) | 1.07 | 0.88 |
| Max Drawdown (5Y) | -56.19% | -59.11% |
| Avg. Volume (3M) | 3.99M | 7.35M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | CFG | TFC |
|---|---|---|
| Sharpe Ratio (1Y) | 1.00 | 0.60 |
| Sortino Ratio (1Y) | 1.50 | 0.83 |
Profitability
ROE (TTM)
Both Citizens Financial (CFG) at 8.90% and Truist Financial (TFC) at 8.16% produce bottom-quartile ROE versus peers, pointing to weaker profit generation 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%
TFC
Banks industry group
8.16%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- Q1
- 9.50%
- TFC
- 8.16%
- Min
- 3.64%
Net Margin (TTM)
Truist Financial (TFC) at 28.38% 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%
TFC
Banks industry group
28.38%
- Max
- 47.19%
- Q3
- 35.25%
- Median
- 31.21%
- TFC
- 28.38%
- Q1
- 27.11%
- Min
- 14.93%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Citizens Financial (CFG) in Banks and Truist Financial (TFC) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | CFG | TFC |
|---|---|---|
| ROE (TTM) | 8.90% | 8.16% |
| ROA (TTM) | 0.99% | 0.95% |
| Net Margin (TTM) | 27.02% | 28.38% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Truist Financial (TFC) at 53.03% delivers above-range revenue growth, while Citizens Financial (CFG) at 5.61% falls into the bottom quartile — a wide split in revenue momentum.
EPS Growth
Both Citizens Financial (CFG) at 27.39% and Truist Financial (TFC) at 13.69% 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 | TFC |
|---|---|---|
| Revenue Growth (YoY) | 5.61% | 53.03% |
| Revenue Growth (3Y CAGR) | 0.93% | 0.57% |
| EPS Growth (YoY) | 27.39% | 13.69% |
| EPS Growth (3Y CAGR) | -1.99% | -4.82% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Citizens Financial (CFG) in Banks and Truist Financial (TFC) 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 Truist Financial (TFC) 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 | TFC |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Truist Financial (TFC) at 4.17% delivers top-quartile income for its industry, while Citizens Financial (CFG) at 2.88% pays a more typical yield — both are credible income propositions, TFC the richer one.
CFG
Banks industry group
2.88%
- Max
- 5.79%
- Q3
- 3.18%
- CFG
- 2.88%
- Median
- 2.39%
- Q1
- 1.20%
- Min
- 0.00%
TFC
Banks industry group
4.17%
- Max
- 5.79%
- TFC
- 4.17%
- Q3
- 3.18%
- Median
- 2.39%
- Q1
- 1.20%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Citizens Financial (CFG) at 37.17% pays out a band-typical share of earnings, while Truist Financial (TFC) at 53.61% distributes more than its industry norm — less retained, thinner cover.
CFG
Banks industry group
37.17%
- Max
- 70.75%
- Q3
- 41.28%
- CFG
- 37.17%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
TFC
Banks industry group
53.61%
- Max
- 70.75%
- TFC
- 53.61%
- Q3
- 41.28%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
Dividend Metrics
| Metric | CFG | TFC |
|---|---|---|
| Dividend Yield (TTM) | 2.88% | 4.17% |
| Dividend Payout Ratio (TTM) | 37.17% | 53.61% |
Valuation
P/E Ratio (TTM)
Both Citizens Financial (CFG) at 12.78 and Truist Financial (TFC) at 12.73 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
TFC
Banks industry group
12.73
- Max
- 18.16
- Q3
- 13.75
- TFC
- 12.73
- 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 Truist Financial (TFC) 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)
Truist Financial (TFC) 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 — TFC is cheaper on assets, though weigh it against ROE and asset quality.
CFG
Banks industry group
1.16
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- CFG
- 1.16
- Q1
- 1.10
- Min
- 0.59
TFC
Banks industry group
1.06
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- Q1
- 1.10
- TFC
- 1.06
- Min
- 0.59
Valuation Metrics
| Metric | CFG | TFC |
|---|---|---|
| P/E Ratio (TTM) | 12.78 | 12.73 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 1.16 | 1.06 |
| Free Cash Flow Yield (TTM) | -- | -- |