Citizens Financial [CFG] vs U.S. Bancorp [USB] Detailed Stock Comparison
Citizens Financial
NYSE
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U.S. Bancorp
NYSE
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TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: Citizens Financial wins in 4 metrics, U.S. Bancorp wins in 13 metrics, with 1 ties. U.S. Bancorp appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Citizens Financial | U.S. Bancorp | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 14.31 | 10.63 | U.S. Bancorp |
| Price-to-Book Ratio | 0.88 | 1.27 | Citizens Financial |
| Debt-to-Equity Ratio | 0.54 | 1.31 | Citizens Financial |
| PEG Ratio | 12.13 | 10.26 | U.S. Bancorp |
| Profit Margin (TTM) | 22.09% | 27.00% | U.S. Bancorp |
| Operating Margin (TTM) | 29.58% | 37.33% | U.S. Bancorp |
| EBITDA Margin (TTM) | 29.58% | 37.33% | U.S. Bancorp |
| Return on Equity | 6.48% | 11.67% | U.S. Bancorp |
| Return on Assets (TTM) | 0.73% | 1.01% | U.S. Bancorp |
| Free Cash Flow (TTM) | $1.88B | $11.27B | U.S. Bancorp |
| Dividend Yield | 3.05% | 4.60% | U.S. Bancorp |
| 1-Year Return | 17.81% | 5.63% | Citizens Financial |
| Price-to-Sales Ratio (TTM) | 2.81 | 2.71 | U.S. Bancorp |
| Enterprise Value | $25.84B | $97.72B | U.S. Bancorp |
| EV/Revenue Ratio | 3.59 | 3.82 | Citizens Financial |
| Revenue per Share (TTM) | $16 | $16 | Tie |
| Earnings per Share (Diluted) | $3.28 | $4.18 | U.S. Bancorp |
| Beta (Stock Volatility) | 1.12 | 1.03 | U.S. Bancorp |
Performance
Key Stats
Valuation
Financials
Short Interest
Dividends
Citizens Financial vs U.S. Bancorp Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Citizens Financial | 1.43% | -2.26% | -0.89% | 22.48% | -2.69% | 6.97% |
| U.S. Bancorp | 1.75% | -1.94% | -7.72% | 6.76% | -6.65% | -7.88% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Citizens Financial | 17.81% | 16.86% | 80.08% | 76.80% | 100.60% | 100.60% |
| U.S. Bancorp | 5.63% | -8.88% | 17.63% | -2.54% | 100.00% | 47.05% |
Performance & Financial Health Analysis: Citizens Financial vs U.S. Bancorp
| Metric | CFG | USB |
|---|---|---|
| Market Information | ||
| Market Cap | $20.24B | $69.21B |
| Market Cap Category | Large cap | Large cap |
| 10 Day Avg. Volume | 4,156,880 | 9,385,160 |
| 90 Day Avg. Volume | 5,517,287 | 12,219,927 |
| Last Close | $47.31 | $44.86 |
| 52 Week Range | $32.60 - $49.98 | $35.18 - $53.98 |
| % from 52W High | -5.35% | -16.90% |
| All-Time High | $57.00 (Jan 17, 2022) | $63.57 (Jan 10, 2022) |
| % from All-Time High | -17.00% | -29.43% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.05% | 0.03% |
| Quarterly Earnings Growth | 0.11% | 0.13% |
| Financial Health | ||
| Profit Margin (TTM) | 0.22% | 0.27% |
| Operating Margin (TTM) | 0.30% | 0.37% |
| Return on Equity (TTM) | 0.06% | 0.12% |
| Debt to Equity (MRQ) | 0.54 | 1.31 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $53.43 | $35.06 |
| Cash per Share (MRQ) | $23.32 | $37.10 |
| Operating Cash Flow (TTM) | $1.29B | $9.10B |
| Levered Free Cash Flow (TTM) | $1.37B | $5.91B |
| Dividends | ||
| Last 12-Month Dividend Yield | 3.05% | 4.60% |
| Last 12-Month Dividend | $1.26 | $1.99 |
Valuation & Enterprise Metrics Analysis: Citizens Financial vs U.S. Bancorp
| Metric | CFG | USB |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 14.31 | 10.63 |
| Forward P/E | 12.13 | 10.26 |
| PEG Ratio | 12.13 | 10.26 |
| Price to Sales (TTM) | 2.81 | 2.71 |
| Price to Book (MRQ) | 0.88 | 1.27 |
| Market Capitalization | ||
| Market Capitalization | $20.24B | $69.21B |
| Enterprise Value | $25.84B | $97.72B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 3.59 | 3.82 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 1.12 | 1.03 |
| Book Value per Share (MRQ) | $53.43 | $35.06 |
Financial Statements Comparison: Citizens Financial vs U.S. Bancorp
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | CFG | USB |
|---|---|---|
| Revenue/Sales | $1.94B | $6.93B |
| Cost of Goods Sold | N/A | N/A |
| Gross Profit | N/A | N/A |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| EBITDA | N/A | N/A |
| Pre-Tax Income | $468.00M | $2.16B |
| Income Tax | $95.00M | $443.00M |
| Net Income (Profit) | $373.00M | $1.72B |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | CFG | USB |
|---|---|---|
| Cash & Equivalents | $12.23B | $50.01B |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $10.28B | $59.86B |
| Total Shareholders Equity | $24.87B | $60.56B |
| Retained Earnings | $10.57B | $77.69B |
| Property, Plant & Equipment | N/A | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | CFG | USB |
|---|---|---|
| Operating Cash Flow | $-357.00M | $-750.00M |
| Capital Expenditures | N/A | N/A |
| Free Cash Flow | $-227.00M | $-285.00M |
| Debt Repayment | $-2.68B | $-2.10B |
| Common Stock Repurchase | $-200.00M | $-160.00M |
Short Interest & Institutional Ownership Analysis
| Metric | CFG | USB |
|---|---|---|
| Shares Short | 12.80M | 20.29M |
| Short Ratio | 2.36 | 1.56 |
| Short % of Float | 0.04% | 0.01% |
| Average Daily Volume (10 Day) | 4,156,880 | 9,385,160 |
| Average Daily Volume (90 Day) | 5,517,287 | 12,219,927 |
| Shares Outstanding | 440.54M | 1.56B |
| Float Shares | 427.26M | 1.55B |
| % Held by Insiders | 0.01% | 0.00% |
| % Held by Institutions | 0.99% | 0.81% |
Dividend Analysis & Yield Comparison: Citizens Financial vs U.S. Bancorp
| Metric | CFG | USB |
|---|---|---|
| Last 12-Month Dividend | $1.26 | $1.99 |
| Last 12-Month Dividend Yield | 3.05% | 4.60% |
| 3-Year Avg Annual Dividend | $1.54 | $1.78 |
| 3-Year Avg Dividend Yield | 1.19% | 1.19% |
| 3-Year Total Dividends | $4.62 | $5.35 |
| Ex-Dividend Date | Jan 31, 2025 | Mar 31, 2025 |