Citizens Financial Group, Inc. (CFG)vsU.S. Bancorp (USB)
CFG
Citizens Financial Group, Inc.
$63.73
-0.76%
FINANCIAL SERVICES · Cap: $27.16B
USB
U.S. Bancorp
$55.53
+0.40%
FINANCIAL SERVICES · Cap: $85.86B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 238% more annual revenue ($26.65B vs $7.88B). USB leads profitability with a 29.3% profit margin vs 25.1%. CFG appears more attractively valued with a PEG of 1.65. CFG earns a higher WallStSmart Score of 77/100 (B+).
CFG
Strong Buy77
out of 100
Grade: B+
USB
Strong Buy71
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 32.1%
Keeps 25 of every $100 in revenue as profit
Attractively priced relative to earnings
Earnings expanding 46.8% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 37.8%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Generating 1.3B in free cash flow
Areas to Watch
Expensive relative to growth rate
ROE of 7.7% — below average capital efficiency
Distress zone — elevated risk
Expensive relative to growth rate
4.6% revenue growth
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CFG
The strongest argument for CFG centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 25.1% and operating margin at 32.1%. Revenue growth of 13.8% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.3% and operating margin at 37.8%.
Bear Case : CFG
The primary concerns for CFG are PEG Ratio, Return on Equity, Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Revenue Growth, Altman Z-Score.
Key Dynamics to Monitor
CFG profiles as a mature stock while USB is a value play — different risk/reward profiles.
CFG carries more volatility with a beta of 1.04 — expect wider price swings.
CFG is growing revenue faster at 13.8% — sustainability is the question.
USB generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
CFG scores higher overall (77/100 vs 71/100), backed by strong 25.1% margins and 13.8% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Citizens Financial Group, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Citizens Financial Group, Inc. is an American bank headquartered in Providence, Rhode Island.
U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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