MTB vs CFG Comparison: AI Score, Valuation, Performance and Upside
Compare M&T Bank and Citizens Financial by credit quality, commercial real estate exposure, net interest margin, expense management, and M&A integration track record.
Use this M&T Bank vs Citizens Financial comparison to evaluate the key differences across valuation, growth, profitability, and risk before making an investment decision.
CFG holds the edge across 4 of 5 key metrics in this comparison. CFG leads on both 1-year return (+45.86%) and forward P/E quality (11.15x vs 11.86x for MTB), a relatively favorable combination of momentum and valuation. On fundamentals, CFG is growing revenue faster (14.70%), while MTB maintains the higher operating margin (45.11%) — a classic growth-versus-profitability split. Analyst consensus implies meaningfully more upside for CFG (+9.46%) than for MTB (+1.30%).
| Metric | MTB | CFG |
|---|---|---|
| AI score | 48.3 | 54.2 |
| AI rank | #593 | #301 |
| Latest close | $249.60 | $71.88 |
| 1M return | +7.01% | +3.48% |
| 6M return | +16.73% | +14.75% |
| 1Y return | +28.88% | +45.86% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | MTB | CFG |
|---|---|---|
| 1Y ago | $12.88K (+28.8%) started 2025-07-25 | $14.52K (+45.2%) started 2025-07-25 |
| 5Y ago | $24.26K (+142.6%) started 2021-07-26 | $23.49K (+134.9%) started 2021-07-26 |
| 10Y ago | $37.41K (+274.1%) started 2016-07-25 | $68.93K (+589.3%) started 2016-07-25 |
Hypothetical — past performance does not guarantee future results.
| Metric | MTB | CFG |
|---|---|---|
| Market cap | $36.12B | $30.6B |
| Trailing P/E | 13.19 | 15.77 |
| Forward P/E | 11.86 | 11.15 |
| Price/Sales | N/A | N/A |
| EV/Revenue | 4.16 | 4.31 |
| Analyst target | $252.47 | $79.24 |
| Target upside | +1.30% | +9.46% |
| Metric | MTB | CFG |
|---|---|---|
| Revenue growth | 6.20% | 14.70% |
| Earnings growth | 25.50% | 41.30% |
| EPS growth | +25.50% | +41.30% |
| FCF margin | N/A | N/A |
| Operating margin | 45.11% | 35.13% |
| Profit margin | 32.09% | 26.05% |
| ROIC proxy | 10.74% | 8.27% |
| Return on equity | 10.74% | 8.27% |
| Dividend yield | 2.41% | 2.54% |
| Beta | 0.57 | 1.00 |
| Debt/equity | N/A | N/A |
| Current ratio | N/A | N/A |
| Quick ratio | N/A | N/A |
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | MTB | CFG |
|---|---|---|---|
| 1Y | Growth | +28.81% | +45.24% |
| CAGR | +28.90% | +45.39% | |
| Sharpe ratio | 1.07 | 1.38 | |
| Max drawdown | 17.55% | 18.32% | |
| Max daily drop | 4.47% | 6.40% | |
| Max wkly drop | 8.24% | 8.49% | |
| 5Y | Growth | +113.22% | +93.88% |
| CAGR | +16.36% | +14.17% | |
| Sharpe ratio | 0.51 | 0.43 | |
| Max drawdown | 40.71% | 56.19% | |
| Max daily drop | 13.89% | 13.06% | |
| Max wkly drop | 16.44% | 24.82% | |
| 10Y | Growth | +182.23% | +359.35% |
| CAGR | +10.93% | +16.47% | |
| Sharpe ratio | 0.34 | 0.48 | |
| Max drawdown | 52.97% | 65.60% | |
| Max daily drop | 13.89% | 21.77% | |
| Max wkly drop | 26.38% | 34.36% |
| Category | MTB | CFG |
|---|---|---|
| Company | MTB | CFG |
| Sector | Financial Services | Financial Services |
| Industry | N/A | N/A |
| Core business | N/A | N/A |
| Investor focus | N/A | N/A |
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