BBT
Beacon Financial Corp.
Asset Management
Market Cap$2.43B
5Y Perf.+166.9%
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Stock Comparison
BBT vs CFG
Revenue, margins, valuation, and 5-year total return — side by side.
CFG
Citizens Financial Group, Inc.
Banks - Regional
Market Cap$27.70B
5Y Perf.+166.4%
BBT vs CFG — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | BBT | CFG |
|---|---|---|
| Industry | Asset Management | Banks - Regional |
| Market Cap | $2.43B | $27.70B |
| Revenue (TTM) | $759M | $12.35B |
| Net Income (TTM) | $59M | $1.70B |
| Gross Margin | 51.1% | 57.6% |
| Operating Margin | 16.0% | 15.3% |
| Forward P/E | 8.3x | 12.4x |
| Total Debt | $879M | $12.40B |
| Cash & Equiv. | $2.04B | $11.24B |
BBT vs CFG — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
BBT
CFG
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Beacon Financial Co… (BBT) | 100 | 266.9 | +166.9% |
| Citizens Financial … (CFG) | 100 | 266.4 | +166.4% |
Price return only. Dividends and distributions are not included.
Quick Verdict: BBT vs CFG
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: BBT leads in 5 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. Citizens Financial Group, Inc. is the stronger pick specifically for dividend income and shareholder returns and recent price momentum and sentiment. As sector peers, any of these can serve as alternatives in the same allocation.
BBT
Beacon Financial Corp.
The Banking Pick
BBT carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 5 yrs, beta 0.84
- Rev growth 18.0%, EPS growth 44.1%
- Lower volatility, beta 0.84, Low D/E 35.2%, current ratio 0.19x
Best for: income & stability and growth exposure
CFG
Citizens Financial Group, Inc.
The Banking Pick
CFG is the clearest fit if your priority is long-term compounding and bank quality.
- 257.8% 10Y total return vs BBT's 39.1%
- NIM 2.6% vs BBT's 2.2%
- 2.6% yield; 3-year raise streak; the other pay no meaningful dividend
Best for: long-term compounding and bank quality
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | BBT | 18.0% NII/revenue growth vs CFG's 1.3% |
| Value | BBT | Lower P/E (8.3x vs 12.4x) |
| Quality / Margins | BBT | Efficiency ratio 0.4% vs CFG's 0.4% (lower = leaner) |
| Stability / Safety | BBT | Beta 0.84 vs CFG's 1.33, lower leverage |
| Dividends | CFG | 2.6% yield; 3-year raise streak; the other pay no meaningful dividend |
| Momentum (1Y) | CFG | +73.3% vs BBT's +18.2% |
| Efficiency (ROA) | BBT | Efficiency ratio 0.4% vs CFG's 0.4% |
BBT vs CFG — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
FY 2024
BBT vs CFG — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLBBTLAGGINGCFG
CFGCitizens Financial Gr…
2leads
BBTBeacon Financial Corp.
2leads
6 Total Categories
CATEGORYLEADERvs CFGMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
Tied
—
Valuation MetricsMultiples, price ratios, and targets
BBT3/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
CFG5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
CFG5/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
BBT1/1
Income & Cash Flow (Last 12 Months)
Evenly matched — BBT and CFG each lead in 2 of 4 comparable metrics.
Income & Cash Flow (Last 12 Months)
CFG is the larger business by revenue, generating $12.3B annually — 16.3x BBT's $759M. Profitability is closely matched — net margins range from 12.2% (CFG) to 11.9% (BBT).
| Metric | BBTBeacon Financial … | CFGCitizens Financia… |
|---|---|---|
| RevenueTrailing 12 months | $759M | $12.3B |
| EBITDAEarnings before interest/tax | $87M | $2.6B |
| Net IncomeAfter-tax profit | $59M | $1.7B |
| Free Cash FlowCash after capex | $54M | $2.7B |
| Gross MarginGross profit ÷ Revenue | +51.1% | +57.6% |
| Operating MarginEBIT ÷ Revenue | +16.0% | +15.3% |
| Net MarginNet income ÷ Revenue | +11.9% | +12.2% |
| FCF MarginFCF ÷ Revenue | — | +15.2% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +178.3% | +38.2% |
Evenly matched — BBT and CFG each lead in 2 of 4 comparable metrics.
Valuation Metrics
BBT leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
At 21.2x trailing earnings, CFG trades at a 24% valuation discount to BBT's 28.0x P/E. On an enterprise value basis, BBT's 9.6x EV/EBITDA is more attractive than CFG's 12.1x.
| Metric | BBTBeacon Financial … | CFGCitizens Financia… |
|---|---|---|
| Market CapShares × price | $2.4B | $27.7B |
| Enterprise ValueMkt cap + debt − cash | $1.3B | $28.9B |
| Trailing P/EPrice ÷ TTM EPS | 28.04x | 21.19x |
| Forward P/EPrice ÷ next-FY EPS est. | 8.30x | 12.39x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | 9.62x | 12.10x |
| Price / SalesMarket cap ÷ Revenue | 3.20x | 2.24x |
| Price / BookPrice ÷ Book value/share | 1.01x | 1.20x |
| Price / FCFMarket cap ÷ FCF | — | 14.74x |
BBT leads this category, winning 3 of 5 comparable metrics.
Profitability & Efficiency
CFG leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
CFG delivers a 6.6% return on equity — every $100 of shareholder capital generates $7 in annual profit, vs $3 for BBT. BBT carries lower financial leverage with a 0.35x debt-to-equity ratio, signaling a more conservative balance sheet compared to CFG's 0.51x. On the Piotroski fundamental quality scale (0–9), CFG scores 7/9 vs BBT's 3/9, reflecting strong financial health.
| Metric | BBTBeacon Financial … | CFGCitizens Financia… |
|---|---|---|
| ROE (TTM)Return on equity | +3.2% | +6.6% |
| ROA (TTM)Return on assets | +0.3% | +0.8% |
| ROICReturn on invested capital | +3.0% | +3.8% |
| ROCEReturn on capital employed | +5.1% | +4.4% |
| Piotroski ScoreFundamental quality 0–9 | 3 | 7 |
| Debt / EquityFinancial leverage | 0.35x | 0.51x |
| Net DebtTotal debt minus cash | -$1.2B | $1.2B |
| Cash & Equiv.Liquid assets | $2.0B | $11.2B |
| Total DebtShort + long-term debt | $879M | $12.4B |
| Interest CoverageEBIT ÷ Interest expense | 0.25x | 0.55x |
CFG leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
CFG leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in CFG five years ago would be worth $14,687 today (with dividends reinvested), compared to $13,040 for BBT. Over the past 12 months, CFG leads with a +73.3% total return vs BBT's +18.2%. The 3-year compound annual growth rate (CAGR) favors CFG at 39.1% vs BBT's 17.5% — a key indicator of consistent wealth creation.
| Metric | BBTBeacon Financial … | CFGCitizens Financia… |
|---|---|---|
| YTD ReturnYear-to-date | +10.6% | +9.7% |
| 1-Year ReturnPast 12 months | +18.2% | +73.3% |
| 3-Year ReturnCumulative with dividends | +62.2% | +169.3% |
| 5-Year ReturnCumulative with dividends | +30.4% | +46.9% |
| 10-Year ReturnCumulative with dividends | +39.1% | +257.8% |
| CAGR (3Y)Annualised 3-year return | +17.5% | +39.1% |
CFG leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
Evenly matched — BBT and CFG each lead in 1 of 2 comparable metrics.
Risk & Volatility
BBT is the less volatile stock with a 0.84 beta — it tends to amplify market swings less than CFG's 1.33 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. CFG currently trades 93.3% from its 52-week high vs BBT's 88.0% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | BBTBeacon Financial … | CFGCitizens Financia… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.84x | 1.33x |
| 52-Week HighHighest price in past year | $32.83 | $68.79 |
| 52-Week LowLowest price in past year | $22.81 | $37.93 |
| % of 52W HighCurrent price vs 52-week peak | +88.0% | +93.3% |
| RSI (14)Momentum oscillator 0–100 | 37.7 | 60.2 |
| Avg Volume (50D)Average daily shares traded | 759K | 4.5M |
Evenly matched — BBT and CFG each lead in 1 of 2 comparable metrics.
Analyst Outlook
BBT leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
Wall Street rates BBT as "Hold" and CFG as "Buy". Consensus price targets imply 26.4% upside for BBT (target: $37) vs 12.8% for CFG (target: $72). CFG is the only dividend payer here at 2.64% yield — a key consideration for income-focused portfolios.
| Metric | BBTBeacon Financial … | CFGCitizens Financia… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Buy |
| Price TargetConsensus 12-month target | $36.50 | $72.42 |
| # AnalystsCovering analysts | 12 | 38 |
| Dividend YieldAnnual dividend ÷ price | — | +2.6% |
| Dividend StreakConsecutive years of raises | 5 | 3 |
| Dividend / ShareAnnual DPS | — | $1.70 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +4.9% |
BBT leads this category, winning 1 of 1 comparable metric.
Key Takeaway
BBT leads in 2 of 6 categories (Valuation Metrics, Analyst Outlook). CFG leads in 2 (Profitability & Efficiency, Total Returns). 2 tied.
Best OverallBeacon Financial Corp. (BBT)Leads 2 of 6 categories
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BBT vs CFG: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is BBT or CFG a better buy right now?
For growth investors, Beacon Financial Corp.
(BBT) is the stronger pick with 18. 0% revenue growth year-over-year, versus 1. 3% for Citizens Financial Group, Inc. (CFG). Citizens Financial Group, Inc. (CFG) offers the better valuation at 21. 2x trailing P/E (12. 4x forward), making it the more compelling value choice. Analysts rate Citizens Financial Group, Inc. (CFG) a "Buy" — based on 38 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — BBT or CFG?
On trailing P/E, Citizens Financial Group, Inc.
(CFG) is the cheapest at 21. 2x versus Beacon Financial Corp. at 28. 0x. On forward P/E, Beacon Financial Corp. is actually cheaper at 8. 3x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — BBT or CFG?
Over the past 5 years, Citizens Financial Group, Inc.
(CFG) delivered a total return of +46. 9%, compared to +30. 4% for Beacon Financial Corp. (BBT). Over 10 years, the gap is even starker: CFG returned +257. 8% versus BBT's +39. 1%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — BBT or CFG?
By beta (market sensitivity over 5 years), Beacon Financial Corp.
(BBT) is the lower-risk stock at 0. 84β versus Citizens Financial Group, Inc. 's 1. 33β — meaning CFG is approximately 58% more volatile than BBT relative to the S&P 500. On balance sheet safety, Beacon Financial Corp. (BBT) carries a lower debt/equity ratio of 35% versus 51% for Citizens Financial Group, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — BBT or CFG?
By revenue growth (latest reported year), Beacon Financial Corp.
(BBT) is pulling ahead at 18. 0% versus 1. 3% for Citizens Financial Group, Inc. (CFG). On earnings-per-share growth, the picture is similar: Beacon Financial Corp. grew EPS 44. 1% year-over-year, compared to -3. 2% for Citizens Financial Group, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — BBT or CFG?
Citizens Financial Group, Inc.
(CFG) is the more profitable company, earning 12. 2% net margin versus 11. 9% for Beacon Financial Corp. — meaning it keeps 12. 2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: BBT leads at 16. 0% versus 15. 3% for CFG. At the gross margin level — before operating expenses — CFG leads at 57. 6%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is BBT or CFG more undervalued right now?
On forward earnings alone, Beacon Financial Corp.
(BBT) trades at 8. 3x forward P/E versus 12. 4x for Citizens Financial Group, Inc. — 4. 1x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for BBT: 26. 4% to $36. 50.
08Which pays a better dividend — BBT or CFG?
In this comparison, CFG (2.
6% yield) pays a dividend. BBT does not pay a meaningful dividend and should not be held primarily for income.
09Is BBT or CFG better for a retirement portfolio?
For long-horizon retirement investors, Citizens Financial Group, Inc.
(CFG) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (2. 6% yield, +257. 8% 10Y return). Both have compounded well over 10 years (CFG: +257. 8%, BBT: +39. 1%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between BBT and CFG?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: BBT is a small-cap high-growth stock; CFG is a mid-cap quality compounder stock. CFG pays a dividend while BBT does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(BBT: 18.0% · CFG: 1.3%)Net Margin>
%
(BBT: 11.9% · CFG: 12.2%)P/E Ratio<
x
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