Sifting through countless of stocks in the Banks industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in Banco Santander (Brasil) S.A., Citizens Financial Group or Inc. because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how Banco Santander (Brasil) S.A., Citizens Financial Group and Inc. compare based on key financial metrics to determine which better meets your investment needs.

About Banco Santander (Brasil) S.A., Citizens Financial Group and Inc.

Banco Santander (Brasil) S.A., together with its subsidiaries, provides various banking products and services to individuals, small and medium enterprises, and corporate customers in Brazil and internationally. It operates in two segments, Commercial Banking and Global Wholesale Banking. The company offers payment and loyalty products, including credit and debit cards; payroll and real estate loans; home equity financing solutions; microfinance programs; consortiums; agribusiness products, such as credit, securities and other products; call center and digital solutions; nonperforming assets; and insurance products comprising life, personal accident, vehicle, property, and credit insurance, as well as insurance for travel and banking transactions. It also provides emergency solutions for homes, cars, motorcycles, pets, and telemedicine; consumer finance; and corporate and investment banking services, which include cash management, structured trade and working capital solutions, trade and lending, mergers and acquisitions, equity capital markets, investment grade and emerging markets debt, and structured finance, as well as sales markets, market making, energy trading, equities, research, and private debt mobilization and securitization. In addition, the company offers cash management solutions, such as collections, payments, instant payments, and payroll and custody services; advance program, a non-financial platform to support entrepreneurs regarding educational content, certified courses, events focused on management, innovation, internationalization, and team development; customer funding through deposits and other bank funding instruments; and various investments. It offers its products and services through branches, mini-branches, and automated teller machines; call centers; banking correspondents and third-party vendors; and online and mobile banking platforms. The company was founded in 1970 and is headquartered in São Paulo, Brazil.

Citizens Financial Group, Inc. operates as the bank holding company that provides retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations, and institutions in the United States. The company operates through two segments, Consumer Banking and Commercial Banking. The Consumer Banking segment offers deposit products, mortgage and home equity lending products, credit cards, business loans, and wealth management services; and education and point-of-sale finance loans, as well as digital deposit products. This segment serves its customers through telephone service centers, as well as through its online and mobile platforms. The Commercial Banking segment provides various financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange, and interest rate and commodity risk management solutions, as well as syndicated loans, corporate finance, mergers and acquisitions, and debt and equity capital markets services. The company serves customers and small businesses, high- and ultra-high-net-worth individuals and families, as well as investors, entrepreneurs, and companies and institutions, as well as multifamily, office, industrial, retail, healthcare, and hospitality sectors. The company was formerly known as RBS Citizens Financial Group, Inc. and changed its name to Citizens Financial Group, Inc. in April 2014. Citizens Financial Group, Inc. was founded in 1828 and is headquartered in Providence, Rhode Island.

Latest Banks and Banco Santander (Brasil) S.A., Citizens Financial Group, Inc. Stock News

As of September 1, 2026, Banco Santander (Brasil) S.A. had a $21.2 billion market capitalization, compared to the Banks median of $730.8 million. Banco Santander (Brasil) S.A.’s stock is down 3.7% in 2026, up 1.3% in the previous five trading days and up 7.93% in the past year.

Currently, Banco Santander (Brasil) S.A.’s price-earnings ratio is 8.0. Banco Santander (Brasil) S.A.’s trailing 12-month revenue is $9.3 billion with a 28.7% net profit margin. Year-over-year quarterly sales growth most recently was 35.4%. Analysts expect adjusted earnings to reach $0.707 per share for the current fiscal year. Banco Santander (Brasil) S.A. currently has a 7.3% dividend yield.

As of September 1, 2026, Citizens Financial Group, Inc. had a $28.7 billion market cap, putting it in the 89th percentile of all stocks. Citizens Financial Group, Inc.’s stock is up 19.5% in 2026, down 1% in the previous five trading days and up 30.38% in the past year.

Currently, Citizens Financial Group, Inc.’s price-earnings ratio is 14.8. Citizens Financial Group, Inc.’s trailing 12-month revenue is $8.2 billion with a 26.1% net profit margin. Year-over-year quarterly sales growth most recently was 14.7%. Analysts expect adjusted earnings to reach $5.303 per share for the current fiscal year. Citizens Financial Group, Inc. currently has a 2.7% dividend yield.

How We Compare Banco Santander (Brasil) S.A., Citizens Financial Group and Inc. Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at Banco Santander (Brasil) S.A., Citizens Financial Group and Inc.’s stock grades to see how they measure up against one another.

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Banco Santander (Brasil) S.A., Citizens Financial Group and Inc. Stock Value Grades

Company	Ticker	Value
Banco Santander (Brasil) S.A.	BSBR	A
Citizens Financial Group, Inc.	CFG	B

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection.

Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

AAII’s A+ Investor Value Grade derives from a stock’s value score. The Value Score is the percentile rank of the average of the percentile ranks of the price-to-sales ratio, price-earnings ratio, enterprise-value-to-EBITDA (EV/EBITDA) ratio, shareholder yield, price-to-book-value ratio and price-to-free-cash-flow ratio. The score is variable, meaning it can consider all six ratios or, should any of the six ratios not be valid, the remaining ratios that are valid. To be assigned a Value Score, stocks must have a valid (non-null) ratio and corresponding ranking for at least two of the six valuation ratios.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are a good value and so on.

Banco Santander (Brasil) S.A. has a Value Score of 98, which is Deep Value. Citizens Financial Group, Inc. has a Value Score of 64, which is Value.

The Value Stock Winner: Banco Santander (Brasil) S.A.

As you can clearly see from the Value Grade breakdown above, Banco Santander (Brasil) S.A. is considered to have better value than Citizens Financial Group, Inc.. For investors who focus solely on a company’s valuation, Banco Santander (Brasil) S.A. could be a good stock to add to their portfolio. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Banco Santander (Brasil) S.A., Citizens Financial Group and Inc.’s Quality Grades

Company	Ticker	Quality
Banco Santander (Brasil) S.A.	BSBR	F
Citizens Financial Group, Inc.	CFG	D

Like the Value Grade, AAII’s A+ Investor Quality Grade comes from the percentile rank of key metrics. Specifically, the Quality Score is the percentile rank of the average of the percentile ranks of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and the F-Score.

The score is variable, meaning it can consider all eight measures or, should any of the eight measures not be valid, the remaining measures that are valid. To be assigned a Quality Score, stocks must have a valid (non-null) measure and corresponding ranking for at least four of the eight quality measures.

The Quality Score is used to assess the underlying “quality” of a particular stock. A higher-quality stock possesses traits associated with upside potential and reduced downside risk. Backtesting of the Quality Grade shows that stocks with higher grades, on average, outperformed stocks with lower grades over the period of 1998 through 2019.

Stocks receive better grades (higher scores) for having higher scores for the quality subcomponents and worse grades (lower scores) for lower scores for the subcomponents.

Banco Santander (Brasil) S.A. has a Quality Score of 11, which is Very Weak. Citizens Financial Group, Inc. has a Quality Score of 22, which is Weak.

The Quality Stock Winner: No Clear Winner

Neither Banco Santander (Brasil) S.A., Citizens Financial Group or Inc. has a high enough Quality Grade to be considered a “winner.” Investors who are considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if Banco Santander (Brasil) S.A., Citizens Financial Group or Inc. is the better investment when it comes to quality.

Banco Santander (Brasil) S.A., Citizens Financial Group and Inc.’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
Banco Santander (Brasil) S.A.	BSBR	D
Citizens Financial Group, Inc.	CFG	B

Earnings estimate revisions scores consider the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, positive surprises beget further positive surprises‐or at least continued sales growth (the exact opposite is generally true, too).

Estimate revisions offer an indication of what analysts are thinking about the short-term prospects of a firm. Estimate revisions are based on the statistical significance of a firm’s last two quarterly earnings surprises and the percentage change in its consensus estimate for the current fiscal year over the past month and past three months.

Banco Santander (Brasil) S.A. has a Earnings Estimate Score of 28, which is Negative. Citizens Financial Group, Inc. has a Earnings Estimate Score of 63, which is Positive.

The Earnings Estimate Revisions Grade Winner: Citizens Financial Group, Inc.

As you can clearly see from the Earnings Estimate Revisions Grade breakdown above, Citizens Financial Group, Inc. has a better Earnings Estimate Revisions Grade than Banco Santander (Brasil) S.A.. For those who are specifically looking for companies with better short-term prospects when compared to other companies in the same industry, Citizens Financial Group, Inc. could be a good stock to invest in. However, it’s important to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Other Banco Santander (Brasil) S.A., Citizens Financial Group and Inc. Grades

In addition to Quality, Value and Estimate Revisions, A+ Investor also provides grades for Growth and Momentum.

Momentum grades help uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming.

Growth investing builds on the idea that stocks of companies exhibiting strong, consistent and prolonged growth outperform those of slower-growth companies. AAII measures growth through consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations.

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether Banco Santander (Brasil) S.A., Citizens Financial Group and Inc. pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, Banco Santander (Brasil) S.A., Citizens Financial Group or Inc. Stock?

Overall, Banco Santander (Brasil) S.A. stock has a Value Score of 98, Estimate Revisions Score of 28 and Quality Score of 11.

Citizens Financial Group, Inc. stock has a Value Score of 64, Estimate Revisions Score of 63 and Quality Score of 22.

Comparing Banco Santander (Brasil) S.A., Citizens Financial Group and Inc.’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.