CFG vs. WF: Citizens Financial vs. Woori Financial Stock Comparison

Company Profile

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

Citizens Financial (CFG) trades as ordinary local shares, while Woori Financial (WF) 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

Citizens Financial (CFG) trades around 3.99M shares per day on average, while Woori Financial (WF) sees only 85.96K — a volume gap that can matter for position sizing, exit liquidity, and order execution.

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Both Citizens Financial (CFG) at 8.90% and Woori Financial (WF) at 7.93% produce bottom-quartile ROE versus peers, pointing to weaker profit generation on shareholders’ equity.

Both Citizens Financial (CFG) at 27.02% and Woori Financial (WF) at 27.06% 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 Woori Financial (WF) 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 Woori Financial (WF) at 5.30% post bottom-quartile revenue growth versus peers, pointing to weaker demand or pricing momentum than typical rivals.

Citizens Financial (CFG) at 27.39% is around its peer norm for EPS growth, while Woori Financial (WF) at 2.58% drops into the bottom quartile, signaling weaker earnings momentum.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Citizens Financial (CFG) in Banks and Woori Financial (WF) 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 Woori Financial (WF) 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; Woori Financial (WF) at 1,108.19% 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 Woori Financial (WF) at 32.85% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.

Dividend Metrics

Valuation

Woori Financial (WF) at 8.04 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 WF, though growth and earnings durability still matter.

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

Woori Financial (WF) at 0.63 sits in the lower P/B ratio quartile against book while Citizens Financial (CFG) at 1.16 is valued near its industry’s middle — WF is cheaper on assets, though weigh it against ROE and asset quality.

Valuation Metrics