CFG vs FITB vs MTB Stock Comparison

Citizens Financial, Fifth Third Bancorp and M&T Bank Prices as of Oct 29, 2026 Peers: Industry group
FITB Fifth Third Bancorp
$54.44 +6.8% 1M +30.3% 1Y
Market cap
$49.35B
P/E
18.7x
Revenue (TTM)
$10.16B
Div. yield
2.98%
Regional Banks Financial Services
6 wins
MTB M&T Bank Corp
$224.21 +3.1% 1M +23.6% 1Y
Market cap
$32.38B
P/E
11.3x
Revenue (TTM)
—
Div. yield
2.68%
Regional Banks Financial Services
4 wins

Head to Head

11 decided of 12

Fifth Third Bancorp leads on 6 of the 12 questions below (Fifth Third Bancorp 6, M&T Bank 4, Citizens Financial 1). Which ones matter depends on what you are buying for; a cheap multiple and slow growth often come together.

QuestionCFGFITBMTBLeader
Larger companyMarket capitalisation $27.70B $49.35B $32.38B FITB
Cheaper on earningsLower P/E, profitable companies only 13.0x 18.7x 11.3x MTB
Cheaper on forward earningsLower price / next fiscal year consensus EPS 12.1x 17.3x 10.9x MTB
Faster revenue growthRevenue growth, trailing twelve months +10.6% +17.1% — FITB
More profitableNet margin, trailing twelve months 23.8% 26.2% — FITB
Better return on capitalReturn on invested capital 12.0% 12.9% — FITB
Less leveragedLower net debt / EBITDA 2.6x — — –
Higher dividend yieldTrailing dividend yield 2.10% 2.98% 2.68% FITB
Better 1-year returnPrice return, last 12 months +30.4% +30.3% +23.6% CFG
Better 5-year returnAnnualised price return, 5 years +6.8%/yr +4.6%/yr +8.8%/yr MTB
Less volatileAnnualised volatility, 1 year 25.1% 24.9% 21.4% MTB
Higher overall scoreMean of the five percentile scores vs peers 30/100 42/100 — FITB

Percentile Scorecard

CFGFITBMTB

Each axis is the mean percentile of its metrics against the company's industry group. 100 is the best in the group, 50 the middle.

Scores by Axis

AxisCFGFITBMTB
Valuation 21 #287 of 361 11 #322 of 361 66 #122 of 361
Growth 21 #121 of 153 26 #114 of 153 –
Profitability 28 #93 of 128 47 #69 of 128 –
Financial Health 30 #99 of 140 55 #63 of 140 –
Shareholder Returns 49 #172 of 335 70 #100 of 335 56 #149 of 335
Overall 30 42 –
  • CFG ranked among 368 companies in Banking
  • FITB ranked among 368 companies in Banking
  • MTB ranked among 368 companies in Banking

Price Performance

Price return, split-adjusted, before dividends. Click a name to hide or show it.

Returns

PeriodCFGFITBMTBSPY
1 month +2.9%+6.8%+3.1% +0.7%
3 months -8.3%-3.8%-9.2% +3.7%
6 months +1.1%+7.2%+2.6% +7.1%
Year to date +12.6%+16.3%+11.3% +12.8%
1 year +30.4%+30.3%+23.6% +11.9%
3 years +181.1%+132.8%+100.1% +85.2%
3 years, per year +41.2%+32.6%+26.0% +22.8%
5 years +38.8%+25.1%+52.4% +67.6%
5 years, per year +6.8%+4.6%+8.8% +10.9%
10 years +149.5%+151.9%+83.7% +262.0%
10 years, per year +9.6%+9.7%+6.3% +13.7%

Risk

MeasureCFGFITBMTBSPY
Volatility, 1Y 25.1%24.9%21.4% 12.7%
Downside volatility, 1Y 25.4%24.8%21.6% 12.6%
Beta vs S&P 500, 1Y 0.870.690.56 1.00
Return / volatility, 1Y 1.211.221.11 0.94
Max drawdown, 5Y -59.4%-54.6%-43.1% -25.4%
From 52-week high -12.0%-8.3%-11.8% -1.2%
52-week high $74.73$59.36$254.11 $779.14
52-week low $49.71$41.12$180.90 $631.97

Valuation History

Weekly multiples on trailing twelve-month fundamentals. Negative or extreme readings (a loss year, a collapsed denominator) are left out so the chart stays readable.

MultipleCFGFITBMTB
P/E now vs peer median 13.0xmedian 12.2x 18.7xmedian 12.2x 11.3xmedian 12.2x
P/S now vs peer median 3.1xmedian 3.4x 4.9xmedian 3.4x 3.2xmedian 3.4x
EV/EBITDA now vs peer median 6.6xmedian 5.3x —median 5.3x —median 5.3x
P/FCF now vs peer median 25.3xmedian 10.8x —median 10.8x 8.7xmedian 10.8x
P/B now vs peer median 1.1xmedian 1.2x 1.4xmedian 1.2x 1.1xmedian 1.2x
PEG now vs peer median 2.03median 1.34 -2.94median 1.34 3.34median 1.34

Financial History

Reported figures by fiscal period, placed on the calendar year (or quarter) each period ended in, so companies with different fiscal years line up.

Trailing twelve monthsCFGFITBMTB
Revenue $8.93B $10.16B –
Net income $2.27B $2.81B –
Free cash flow $1.09B – –
EPS (diluted) $4.99 $2.91 $19.72
Cash & equivalents – $4.37B –
Total debt $17.83B $22.27B –
Shares (diluted) 425.66M 916.00M 146.76M
Enterprise value $27.70B -$32.88B $32.38B

All Metrics

58 metrics · best in bold

Bold marks the best reading: the lowest positive value for multiples, leverage and payout, the highest for everything else. The bar under each value is its percentile against that company's own peers. Hover a value for its rank and the peer median.

Valuation

12 metrics
MetricCFGFITBMTB
P/E 13.0x 18.7x 11.3x
P/FCF 25.3x – 8.7x
P/Operating cash flow 22.0x – –
P/S 3.1x 4.9x 3.2x
P/B 1.1x 1.4x 1.1x
P/Tangible book 1.1x 1.5x 1.2x
EV/EBITDA 6.6x – –
EV/EBIT 7.0x 6.2x –
EV/Revenue 5.1x 4.7x –
EV/FCF 41.7x – –
EV/Operating cash flow 36.2x – –
PEG (3Y EPS CAGR) 2.03 -2.94 3.34

Growth

14 metrics
MetricCFGFITBMTB
Revenue growth (1Y) 10.6% 17.1% –
Revenue CAGR (3Y) 1.9% 4.6% –
Gross profit growth (1Y) – – –
Gross profit CAGR (3Y) – – –
Operating income growth (1Y) – – –
Operating income CAGR (3Y) – – –
Net income growth (1Y) 33.1% 20.2% –
Net income CAGR (3Y) 3.1% 3.3% –
EPS growth (1Y) 38.9% -10.3% 17.7%
EPS CAGR (3Y) 6.4% -6.3% 3.4%
Operating cash flow growth (1Y) -55.9% – –
Operating cash flow CAGR (3Y) -30.4% – –
Free cash flow growth (1Y) -59.8% – –
Free cash flow CAGR (3Y) -32.9% – –

Profitability

14 metrics
MetricCFGFITBMTB
Gross margin – – –
EBITDA margin 77.7% – –
Operating margin – – –
Pretax margin 32.3% 35.4% –
Net margin 23.8% 26.2% –
FCF margin 12.2% – –
Operating cash flow margin 14.1% – –
Return on equity 8.8% 10.0% –
Return on assets 1.0% 1.1% –
Return on invested capital 12.0% 12.9% –
Return on capital employed – – –
Asset turnover 0.0x 0.0x –
Cash conversion (OCF / net income) 0.6x – –
Stock comp / revenue 1.5% – –

Financial Health

11 metrics
MetricCFGFITBMTB
Debt / assets 7.6% 7.4% –
Debt / equity 0.7x 0.6x –
Net debt / EBITDA 2.6x – –
Debt / FCF 16.3x – –
Liabilities / assets 89.3% 88.5% 87.2%
Equity / assets 10.7% 11.5% 12.8%
Interest coverage 1.8x 1.9x –
Current ratio – – –
Quick ratio – – –
Cash ratio – – –
Altman Z-score – – –

Shareholder Returns

7 metrics
MetricCFGFITBMTB
Dividend yield 2.1% 3.0% 2.7%
Net buyback yield 4.2% – –
Shareholder yield 6.3% 3.0% 2.7%
Payout ratio (earnings) 35.0% – –
Payout ratio (FCF) 72.6% – –
Dividend growth (1Y) 6.7% – –
Dividend CAGR (3Y) -1.1% – –

Analyst Estimates

Solid lines are reported fiscal-year results; dashed lines are the consensus for the years ahead. Hover a year for the analysts' high and low, and how each result compared with its estimate.

ConsensusCFGFITBMTB
Forward P/E 12.1xFY2026 17.3xFY2026 10.9xFY2026
EPS, next fiscal year $5.42FY2026 $3.15FY2026 $20.48FY2026
EPS growth, next FY +40.4%FY2026 -10.8%FY2026 +20.5%FY2026
EPS growth, the year after +27.1% +61.3% -0.4%
Revenue, next fiscal year $8.59BFY2026 $12.18BFY2026 $10.60BFY2026
Revenue growth, next FY +4.1%FY2026 +34.7%FY2026 +9.4%FY2026
Revenue growth, the year after +11.4% +23.3% -4.7%

Institutional Ownership

13F filings, quarter ended Jun 30, 2026
HoldersCFGFITBMTB
Held by institutions 96.7% 90.8% 90.2%
Institutions holding 1,098 1,305 1,149
Change in shares held, QoQ +2.9% +3.9% -0.4%
Institutions buying 634 692 524
Institutions selling 314 407 392
Buyers to sellers 2.02 1.70 1.34

Return Correlation

Daily returns, last 12 months

1.00 means two stocks move in lockstep, 0 that they move independently. Pairs below about 0.5 diversify each other.

CFGFITBMTB
CFG 1.00 0.86 0.86
FITB 0.86 1.00 0.86
MTB 0.86 0.86 1.00

Add a Peer

Largest companies in the same industry

Related Comparisons

Frequently Asked Questions

Which is bigger, CFG, FITB and MTB?

Fifth Third Bancorp (FITB) is the largest by market capitalisation: Citizens Financial (CFG) $27.70B, Fifth Third Bancorp (FITB) $49.35B, M&T Bank (MTB) $32.38B.

Which stock is cheaper, CFG, FITB and MTB?

M&T Bank (MTB) trades on the lowest price-to-earnings ratio (Citizens Financial (CFG) 13.0x, Fifth Third Bancorp (FITB) 18.7x, M&T Bank (MTB) 11.3x). On next year's consensus earnings, M&T Bank (MTB) is cheapest (Citizens Financial (CFG) 12.1x, Fifth Third Bancorp (FITB) 17.3x, M&T Bank (MTB) 10.9x). A lower multiple can reflect slower expected growth, so read it next to the growth figures.

Which company is growing faster?

Fifth Third Bancorp (FITB) grew revenue fastest over the trailing twelve months: Citizens Financial (CFG) +10.6%, Fifth Third Bancorp (FITB) +17.1%.

Which company is more profitable?

Fifth Third Bancorp (FITB) has the highest net margin (Citizens Financial (CFG) 23.8%, Fifth Third Bancorp (FITB) 26.2%). On return on invested capital, Fifth Third Bancorp (FITB) leads (Citizens Financial (CFG) 12.0%, Fifth Third Bancorp (FITB) 12.9%).

Which stock has performed better?

Over the past year Citizens Financial (CFG) returned the most: Citizens Financial (CFG) +30.4%, Fifth Third Bancorp (FITB) +30.3%, M&T Bank (MTB) +23.6%. Over five years, M&T Bank (MTB) compounded fastest (Citizens Financial (CFG) +6.8%/yr, Fifth Third Bancorp (FITB) +4.6%/yr, M&T Bank (MTB) +8.8%/yr). Returns are price only, before dividends.

Which pays a higher dividend?

Fifth Third Bancorp (FITB) has the highest dividend yield: Citizens Financial (CFG) 2.10%, Fifth Third Bancorp (FITB) 2.98%, M&T Bank (MTB) 2.68%.

Which stock is riskier?

By one-year price volatility, M&T Bank (MTB) has been the steadiest (Citizens Financial (CFG) 25.1%, Fifth Third Bancorp (FITB) 24.9%, M&T Bank (MTB) 21.4%). Volatility measures how widely the price swings, not the risk of the business.

Which is the better stock, CFG, FITB and MTB?

There is no single answer; it depends on what you are buying for. On the 12 head-to-head measures on this page, Fifth Third Bancorp (FITB) leads on 6. Business Quant does not give investment advice; use the comparison as a starting point for your own research.

Data from SEC filings, exchange prices and consensus estimates, via Business Quant. Percentile scores compare each company with its own peer group, so two companies' scores are each relative to different peers unless you rank against the whole market. Price returns exclude dividends. Nothing on this page is investment advice.