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 (+55.28%) and forward P/E quality (11.01x vs 11.70x 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 (+12.47%) than for MTB (+3.86%).
| Metric | MTB | CFG |
|---|---|---|
| AI score | 48.6 | 54.5 |
| AI rank | #541 | #269 |
| Latest close | $249.48 | $72.70 |
| 1M return | +4.44% | +2.42% |
| 6M return | +10.61% | +12.09% |
| 1Y return | +34.86% | +55.28% |
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 | $13.25K (+32.5%) started 2025-08-04 | $15.28K (+52.8%) started 2025-08-04 |
| 5Y ago | $23.86K (+138.6%) started 2021-08-05 | $23.88K (+138.8%) started 2021-08-05 |
| 10Y ago | $36.16K (+261.6%) started 2016-08-05 | $64.82K (+548.2%) started 2016-08-05 |
Hypothetical — past performance does not guarantee future results.
| Metric | MTB | CFG |
|---|---|---|
| Market cap | $35.7B | $30.28B |
| Trailing P/E | 13.04 | 15.61 |
| Forward P/E | 11.70 | 11.01 |
| Price/Sales | N/A | N/A |
| EV/Revenue | 4.11 | 4.27 |
| Analyst target | $255.81 | $80.59 |
| Target upside | +3.86% | +12.47% |
| 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 | 2.44% | 2.57% |
| 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 | +32.50% | +52.80% |
| CAGR | +32.58% | +52.94% | |
| Sharpe ratio | 1.20 | 1.57 | |
| Max drawdown | 17.55% | 18.32% | |
| Max daily drop | 4.47% | 6.40% | |
| Max wkly drop | 8.24% | 8.49% | |
| 5Y | Growth | +109.74% | +99.19% |
| CAGR | +15.98% | +14.79% | |
| Sharpe ratio | 0.50 | 0.45 | |
| Max drawdown | 40.71% | 56.19% | |
| Max daily drop | 13.89% | 13.06% | |
| Max wkly drop | 16.44% | 24.82% | |
| 10Y | Growth | +172.85% | +335.23% |
| CAGR | +10.56% | +15.85% | |
| Sharpe ratio | 0.33 | 0.46 | |
| 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 |
Want deeper AI forecasts?
This comparison page is public and free forever. Subscribers can unlock saved watchlists, full AI rankings, detailed forecasts, and interactive analysis tools.