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CFG vs HBAN
Which Stock Would AI Choose? Citizens Financial Group (CFG) vs. Huntington Bancshares (HBAN) Stock Comparison
Key Takeaways
- CFG has delivered stronger year-to-date returns of about 12%, outpacing HBAN's 3.6% amid recent market activity.
- Both regional banks reported Q1 2026 earnings beats, with CFG EPS at $1.13 and HBAN adjusted EPS at $0.37, reflecting improved net interest margins (NIM, the difference between interest income and expense).
- HBAN holds a larger market cap of $33.5 billion compared to CFG's $27.7 billion, offering greater scale in deposits and loans.
- CFG trades at a higher trailing P/E ratio of 15.4 versus HBAN's 12.7, signaling differing growth expectations.
- Recent analyst upgrades, such as Baird's Outperform on CFG, highlight positive sentiment shifts for both but with momentum favoring CFG.
Introduction
This comparison examines CFG and HBAN, two prominent regional banks navigating interest rate dynamics and economic shifts. Investors tracking the banking sector, particularly those focused on relative performance in net interest income (NII, revenue from loans minus deposit costs) and credit quality, will find value here. With both stocks showing resilience post-Q1 earnings amid broader regional bank pressures from inflation data, this analysis highlights key contrasts in momentum, valuation, and market positioning to inform stock comparison decisions in the current environment.
CFG Overview and Recent Performance
Citizens Financial Group, a Northeast-focused regional bank offering commercial and consumer banking, has demonstrated robust performance in recent quarters. Trading around $65 with a market cap near $28 billion, CFG reported Q1 2026 results on April 16, beating EPS estimates at $1.13 on $2.17 billion in revenue, aided by NIM expansion and controlled expenses. Shares have risen about 12% year-to-date and over 40% in the past year, outperforming peers, though recent weeks saw pullbacks tied to inflation-driven credit fears in regional banks. Analyst upgrades, including Baird's to Outperform with a $65 target, reflect optimism on deposit growth and efficiency, bolstering sentiment despite macro headwinds.
HBAN Overview and Recent Performance
Huntington Bancshares, a Midwest-oriented regional bank with diverse lending and deposit operations, maintains a larger footprint with a $33.5 billion market cap. Shares hover near $16.55, with Q1 2026 earnings on April 23 showing adjusted EPS of $0.37 beating forecasts on strong revenue of about $2.59 billion, driven by loan expansion and fee income growth. Year-to-date gains stand at 3.6%, lagging broader gains but supported by strategic initiatives like share buybacks. Recent market activity featured upgrades, such as Piper Sandler's Neutral rating post-earnings, amid stable credit metrics and deposit inflows, though sensitivity to rate pressures has tempered upside in recent weeks.
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Head-to-Head Comparison
Both CFG and HBAN operate similar regional banking models, emphasizing commercial loans, deposits, and fee-based services, but differ in geography—Northeast for CFG versus Midwest for HBAN—affecting exposure to local economies. Growth drivers favor CFG's stronger recent momentum and EPS trajectory, while HBAN leverages scale for deposit stability. Valuation trade-offs show HBAN's lower P/E suggesting value, versus CFG's premium for growth. Risks include shared non-performing loan (NCO, charge-offs on bad loans) pressures and rate sensitivity, with sentiment tilting toward CFG on upgrades but HBAN gaining from buybacks.
Tickeron AI Verdict
Tickeron's AI currently leans toward CFG with higher probability due to consistent outperformance in recent trends, YTD gains, and post-earnings stability, positioning it better amid regional bank recovery signals. HBAN offers compelling value at lower multiples and scale advantages, potentially favoring it in stabilization phases.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full Disclaimers and Limitations.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is CFG is a Hold and HBAN is a Hold.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
CFG’s FA Score shows that 2 FA rating(s) are green whileHBAN’s FA Score has 2 green FA rating(s).
- CFG’s FA Score: 2 green, 3 red.
- HBAN’s FA Score: 2 green, 3 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
CFG’s TA Score shows that 6 TA indicator(s) are bullish while HBAN’s TA Score has 6 bullish TA indicator(s).
- CFG’s TA Score: 6 bullish, 4 bearish.
- HBAN’s TA Score: 6 bullish, 4 bearish.
Price Growth
CFG (@Regional Banks) experienced а +0.86% price change this week, while HBAN (@Regional Banks) price change was -1.15% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was -0.10%. For the same industry, the average monthly price growth was +6.29%, and the average quarterly price growth was +10.68%.
Reported Earning Dates
CFG is expected to report earnings on Jul 16, 2026.
HBAN is expected to report earnings on Jul 23, 2026.
Industries' Descriptions
@Regional Banks (-0.10% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
| CFG | HBAN | CFG / HBAN | |
| Capitalization | 28.4B | 34.2B | 83% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 16.482 | -0.949 | -1,736% |
| P/E Ratio | 15.90 | 12.98 | 122% |
| Revenue | 8.48B | 8.78B | 97% |
| Total Cash | 12.7B | 2.1B | 606% |
| Total Debt | 12.3B | 23.5B | 52% |
CFG | HBAN | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 21 | 36 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 54 Fair valued | 32 Undervalued | |
PROFIT vs RISK RATING 1..100 | 47 | 61 | |
SMR RATING 1..100 | 9 | 9 | |
PRICE GROWTH RATING 1..100 | 16 | 48 | |
P/E GROWTH RATING 1..100 | 34 | 46 | |
SEASONALITY SCORE 1..100 | 50 | 90 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
HBAN's Valuation (32) in the Regional Banks industry is in the same range as CFG (54). This means that HBAN’s stock grew similarly to CFG’s over the last 12 months.
CFG's Profit vs Risk Rating (47) in the Regional Banks industry is in the same range as HBAN (61). This means that CFG’s stock grew similarly to HBAN’s over the last 12 months.
CFG's SMR Rating (9) in the Regional Banks industry is in the same range as HBAN (9). This means that CFG’s stock grew similarly to HBAN’s over the last 12 months.
CFG's Price Growth Rating (16) in the Regional Banks industry is in the same range as HBAN (48). This means that CFG’s stock grew similarly to HBAN’s over the last 12 months.
CFG's P/E Growth Rating (34) in the Regional Banks industry is in the same range as HBAN (46). This means that CFG’s stock grew similarly to HBAN’s over the last 12 months.
| CFG | HBAN | |
|---|---|---|
| RSI ODDS (%) | 3 days ago 67% | 3 days ago 75% |
| Stochastic ODDS (%) | 3 days ago 62% | 3 days ago 65% |
| Momentum ODDS (%) | 3 days ago 70% | 3 days ago 61% |
| MACD ODDS (%) | 3 days ago 76% | 3 days ago 59% |
| TrendWeek ODDS (%) | 3 days ago 66% | 3 days ago 62% |
| TrendMonth ODDS (%) | 3 days ago 64% | 3 days ago 58% |
| Advances ODDS (%) | 9 days ago 64% | 9 days ago 63% |
| Declines ODDS (%) | 20 days ago 61% | 13 days ago 60% |
| BollingerBands ODDS (%) | 3 days ago 56% | 3 days ago 60% |
| Aroon ODDS (%) | 3 days ago 57% | 3 days ago 53% |
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HBAN and
Correlation & Price change
A.I.dvisor indicates that over the last year, HBAN has been closely correlated with FITB. These tickers have moved in lockstep 88% of the time. This A.I.-generated data suggests there is a high statistical probability that if HBAN jumps, then FITB could also see price increases.
| Ticker / NAME | Correlation To HBAN | 1D Price Change % | ||
|---|---|---|---|---|
| HBAN | 100% | +0.06% | ||
| FITB - HBAN | 88% Closely correlated | +0.30% | ||
| KEY - HBAN | 85% Closely correlated | -0.04% | ||
| PNC - HBAN | 85% Closely correlated | -0.47% | ||
| CFG - HBAN | 84% Closely correlated | +0.45% | ||
| MTB - HBAN | 84% Closely correlated | -0.32% | ||
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