COMP <GO>
CFG vs BAC // EV/EBITDA & P/E VALUATION
Citizens Financial Group Inc. (NYSE) VS. Bank of America Corporation (NYSE) • 15-METRIC TALLY: CFG 7
— BAC 6
▲ EV/EBITDA & P/E VALUATION LEADER: BAC
LAST: $63.81 (-2.97%) • MKT CAP: $27.57B
valuation
36.8x
LAST: $50.01 (-2.21%) • MKT CAP: $357.61B
valuation
30.2x
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CFG VS. BAC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | CFG | BAC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 41.00% | 41.00% | 0.00 | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 2.10% | 2.50% | -0.40 | BAC | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | 36.8x | 30.2x | +6.60 | BAC | /valuation <GO> |
| Free Cash Flow Yield | 7.75% | 2.10% | +5.65 | CFG | /fcf-yield <GO> |
| Operating Margin | 75.00% | 32.90% | +42.10 | CFG | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 27.00% | +41.00 | CFG | /net-margins <GO> |
| Revenue Growth (YoY) | 6.70% | 6.80% | -0.10 | BAC | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.74% | 0.00% | +2.74 | CFG | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 0.45 | 0.45 | 0.00 | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 7/9 | +1.00 | CFG | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 7.20% | 6.60% | +0.60 | BAC | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 42.3 | 27.7 | +14.62 | CFG | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.10 | 0.90 | +0.20 | CFG | /macro-sensitivity <GO> |
| Forward P/E Multiple | 14.0x | 10.9x | +3.10 | BAC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $27.57B | $357.61B | -$330.04B | BAC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | CFG REV | BAC REV | CFG GROSS % | BAC GROSS % | CFG FCF | BAC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.64B | $113.10B | 44.0% | 44.0% | $2.14B | $7.52B |
| FY 2024 | $1.53B | $105.86B | 44.0% | 44.0% | $1.93B | -$13.57B |
| FY 2023 | $1.27B | $102.77B | 44.0% | 44.0% | $2.90B | $40.36B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
CFG // BETA 1.10
BAC // BETA 0.90