Citizens Financial [CFG] vs U.S. Bancorp [USB] Detailed Stock Comparison

Citizens Financial Group, Inc.

NYSE
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U.S. Bancorp

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: Citizens Financial Group, Inc. wins in 6 metrics, U.S. Bancorp wins in 13 metrics, with 0 ties. U.S. Bancorp appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Citizens Financial Group, Inc. U.S. Bancorp Better
P/E Ratio (TTM) 15.47 11.92 U.S. Bancorp
Price-to-Book Ratio 1.16 1.51 Citizens Financial Group, Inc.
Debt-to-Equity Ratio 0.47 1.21 Citizens Financial Group, Inc.
PEG Ratio 0.34 0.82 Citizens Financial Group, Inc.
Profit Margin (TTM) 25.05% 29.29% U.S. Bancorp
Operating Margin (TTM) 32.05% 37.84% U.S. Bancorp
EBITDA Margin (TTM) 32.05% 37.84% U.S. Bancorp
Return on Equity 7.74% 12.35% U.S. Bancorp
Return on Assets (TTM) 0.88% 1.14% U.S. Bancorp
Free Cash Flow (TTM) $2.04B $7.97B U.S. Bancorp
Dividend Yield 2.58% 3.82% U.S. Bancorp
1-Year Return 54.30% 25.83% Citizens Financial Group, Inc.
Price-to-Sales Ratio (TTM) 3.53 3.32 U.S. Bancorp
Enterprise Value $29.08B $126.46B U.S. Bancorp
EV/Revenue Ratio 3.69 4.75 Citizens Financial Group, Inc.
Revenue per Share (TTM) $18 $17 Citizens Financial Group, Inc.
Earnings per Share (Diluted) $4.22 $4.77 U.S. Bancorp
Beta (Stock Volatility) 1.06 1.03 U.S. Bancorp
Short % of Float 0.01% 0.00% U.S. Bancorp

Citizens Financial Group, Inc. vs U.S. Bancorp Stock Performance Analysis

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CFG
USB

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Citizens Financial Group, Inc.3.85%-2.46%-3.19%3.10%10.51%3.60%
U.S. Bancorp-2.67%-2.83%-3.80%-1.57%4.34%-1.46%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Citizens Financial Group, Inc.54.30%124.04%24.72%169.06%167.78%167.78%
U.S. Bancorp25.83%72.81%-9.74%29.45%123.42%73.14%

Performance & Financial Health Analysis: Citizens Financial Group, Inc. vs U.S. Bancorp

MetricCFGUSB
Market Information
Market Cap i$27.76B$88.06B
Market Cap CategoryLarge capLarge cap
10 Day Avg. Volume i5,345,7669,829,002
90 Day Avg. Volume i4,816,72910,401,007
Last Close$63.90$53.14
52 Week Range$39.69 - $68.79$42.55 - $61.19
% from 52W High-7.11%-13.16%
All-Time High$68.79 (Feb 11, 2026)$63.57 (Jan 10, 2022)
% from All-Time High-7.11%-16.41%
Growth Metrics
Quarterly Revenue Growth0.14%0.05%
Quarterly Earnings Growth0.39%0.14%
Financial Health
Profit Margin (TTM) i0.25%0.29%
Operating Margin (TTM) i0.32%0.38%
Return on Equity (TTM) i0.08%0.12%
Debt to Equity (MRQ) i0.471.21
Cash & Liquidity
Book Value per Share (MRQ)$56.48$37.54
Cash per Share (MRQ)$30.89$31.14
Operating Cash Flow (TTM) i$1.63B$6.04B
Levered Free Cash Flow (TTM) i$1.69B$7.19B
Dividends
Last 12-Month Dividend Yield i2.58%3.82%
Last 12-Month Dividend i$1.76$2.04

Valuation & Enterprise Metrics Analysis: Citizens Financial Group, Inc. vs U.S. Bancorp

MetricCFG (Apr 24, 2026)USB (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i15.4711.92
Forward P/E i10.2410.09
PEG Ratio i0.340.82
Price to Sales (TTM) i3.533.32
Price to Book (MRQ) i1.161.51
Market Capitalization
Market Capitalization i$27.76B$88.06B
Enterprise Value i$29.08B$126.46B
Enterprise Value Metrics
Enterprise to Revenue i3.694.75
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i1.061.03
Book Value per Share (MRQ) i$56.48$37.54

Financial Statements Comparison: Citizens Financial Group, Inc. vs U.S. Bancorp

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricCFG (2025)USB (2025)
Revenue/Sales i8.25B28.54B
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i2.33B9.52B
Pre-Tax Income % of Revenue i28.2%33.3%
Income Tax i497.00M1.92B
Income Tax % of Revenue i6.0%6.7%
Net Income (Profit) i1.83B7.60B
Profit Margin i22.2%26.6%

Balance Sheet & Liquidity Metrics

MetricCFG (2025)USB (2025)
Cash & Equivalents i13.69B46.89B
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i9.23B60.76B
Long-Term Debt % of Revenue i112.0%212.9%
Total Shareholders Equity i26.32B65.65B
Retained Earnings i11.35B80.91B
Retained Earnings % of Revenue i137.6%283.5%
Property, Plant & Equipment i1.00M1.51B

Cash Flow Statement Comparison

MetricCFG (2025)USB (2025)
Operating Cash Flow i1.63B6.04B
Operating Cash Flow % of Revenue i19.7%21.2%
Capital Expenditures iN/AN/A
Free Cash Flow i2.04B7.97B
FCF Margin i24.7%27.9%
Debt Repayment i-9.74B-9.05B
Common Stock Repurchase i-1.00B-489.00M

Short Interest & Institutional Ownership Analysis

MetricCFGUSB
Shares Short i53,08127,002
Short Ratio i0.010.00
Short % of Float i0.01%0.00%
Shares Outstanding i426.02M1.56B
Float Shares i421.76M1.55B
% Held by Insiders i0.73%0.14%
% Held by Institutions i99.67%83.55%
% Held by Public i-0.40%16.31%

Dividend Analysis & Yield Comparison: Citizens Financial Group, Inc. vs U.S. Bancorp

MetricCFGUSB
Last 12-Month Dividend i$1.76$2.04
Last 12-Month Dividend Yield i2.58%3.82%
3-Year Avg Annual Dividend i$1.71$1.98
3-Year Avg Dividend Yield i1.13%1.19%
3-Year Total Dividends i$5.12$5.95
Ex-Dividend DateFeb 04, 2026Dec 31, 2025