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 Citigroup Inc., Raymond James Financial 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 Citigroup Inc., Raymond James Financial and Inc. compare based on key financial metrics to determine which better meets your investment needs.

About Citigroup Inc., Raymond James Financial and Inc.

Citigroup Inc., a diversified financial service holding company, provides various financial products and services to consumers, corporations, governments, and institutions. It operates through five segments: Services, Markets, Banking, U.S. Personal Banking, and Wealth. The Services segment includes treasury and trade solutions, which provides cash management, trade, and working capital solutions to multinational corporations, financial institutions, and public sector organizations; and securities services, such as cross-border support for clients, local market expertise, post-trade technologies, data solutions, and various securities services solutions. The Markets segment offers sales and trading services for equities, foreign exchange, rates, spread products, and commodities to corporate, institutional, and public sector clients; and market-making services, including asset classes, risk management solutions, financing, and prime brokerage. The Banking segment includes investment banking services comprising equity and debt capital markets-related strategic financing solutions; advisory services related to mergers and acquisitions, divestitures, restructurings, and corporate defense activities; and corporate lending consists of corporate and commercial banking. The U.S. Personal Banking segment provides proprietary and co-branded card portfolios; and traditional banking services to retail and small business customers. The Wealth segment offers financial services to high-net-worth clients through banking, lending, mortgages, investment, custody, and trust product offerings; professional industries, including law firms, consulting groups, accounting, and asset management; and affluent and high net worth clients. The company operates in North America, the United Kingdom, Japan, North and South Asia, Australia, Europe, the Middle East, and Africa. Citigroup Inc. was founded in 1812 and is headquartered in New York, New York.

Raymond James Financial, Inc., a diversified financial services company, provides private client group, capital markets, asset management, banking, and other services to individuals, corporations, and municipalities in the United States, Canada, and Europe. The Private Client Group segment offers financial planning, investment advisory, securities transaction, investment services, portfolio management services, insurance and annuity products, and mutual funds; support to third-party mutual fund and annuity companies, including sales and marketing support, as well as distribution and accounting, and administrative services; margin loans; securities borrowing and lending services; and custodial, trade execution, research, and other support and services. The Capital Markets segment provides investment banking services, such as equity and debt underwriting, and merger and acquisition advisory; and fixed income and equity brokerage services. This segment also offers institutional sales, securities trading, equity research, and the syndication and management of investments in low-income housing funds and funds of a similar nature. The Asset Management segment provides asset management, portfolio management, and related administrative services to retail and institutional clients; and administrative support services, such as record-keeping. The Bank segment offers various types of loans, including securities-based, corporate, commercial and industrial, commercial real estate and construction, real estate investment trust, residential mortgage, and tax-exempt loans; Federal Deposit Insurance Corporation-insured deposit accounts; retail and corporate deposit; and liquidity management products and services. The Other segment engages in the private equity investments comprising investments in third-party funds. The company offers corporate, retail banking and trust services. Raymond James Financial, Inc. was founded in 1962 and is headquartered in Saint Petersburg, Florida.

Latest Banks and Citigroup Inc., Raymond James Financial, Inc. Stock News

As of June 2, 2026, Citigroup Inc. had a $223.9 billion market capitalization, compared to the Banks median of $728.1 million. Citigroup Inc.’s stock is up 11.3% in 2026, up 3.6% in the previous five trading days and up 74.27% in the past year.

Currently, Citigroup Inc.’s price-earnings ratio is 16.3. Citigroup Inc.’s trailing 12-month revenue is $78.7 billion with a 20.4% net profit margin. Year-over-year quarterly sales growth most recently was 15.9%. Analysts expect adjusted earnings to reach $10.844 per share for the current fiscal year. Citigroup Inc. currently has a 1.8% dividend yield.

As of June 2, 2026, Raymond James Financial, Inc. had a $28.6 billion market cap, putting it in the 89th percentile of all stocks. Raymond James Financial, Inc.’s stock is down 8.7% in 2026, up 0.8% in the previous five trading days and down 0.16% in the past year.

Currently, Raymond James Financial, Inc.’s price-earnings ratio is 13.9. Raymond James Financial, Inc.’s trailing 12-month revenue is $14.7 billion with a 14.6% net profit margin. Year-over-year quarterly sales growth most recently was 13.1%. Analysts expect adjusted earnings to reach $11.863 per share for the current fiscal year. Raymond James Financial, Inc. currently has a 1.5% dividend yield.

How We Compare Citigroup Inc., Raymond James Financial 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 Citigroup Inc., Raymond James Financial and Inc.’s stock grades to see how they measure up against one another.

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Citigroup Inc., Raymond James Financial and Inc. Growth Grades

Company	Ticker	Growth
Citigroup Inc.	C	F
Raymond James Financial, Inc.	RJF	C

The foundation of growth investing is seeking out stocks of companies exhibiting strong, consistent and prolonged growth that is expected to continue into the future.

In order to compute the growth score and assign it a letter grade, the percentile ranks for each of three components‐consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations‐must be determined. These three rank figures are added together, and the sum is ranked against the entire stock universe to arrive at a company’s Growth Score to create an equal distribution of grades.

The companies in the bottom 20% of the stock universe receive Growth Grades of F, considered to be very weak, while those in the top 20% receive A grades, which are considered very strong.

Citigroup Inc. has a Growth Score of 20, which is Very Weak. Raymond James Financial, Inc. has a Growth Score of 60, which is Average.

The Growth Stock Winner: No Clear Winner

Neither Citigroup Inc., Raymond James Financial or Inc. has a high enough Growth 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 Citigroup Inc., Raymond James Financial or Inc. is the better investment when it comes to sustainable growth.

Citigroup Inc., Raymond James Financial and Inc.’s Momentum Grades

Company	Ticker	Momentum
Citigroup Inc.	C	B
Raymond James Financial, Inc.	RJF	D

Momentum grades help to 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. Momentum is based on the price change of a stock over a specified period relative to all other stocks.

Typically, AAII looks at the weighted relative strength over the trailing four quarters. The weighted four-quarter relative strength rank is the relative price change for each of the past four quarters. The most recent quarterly price change is given a weight of 40% and each of the three previous quarters are given a weighting of 20%.

Citigroup Inc. has a Momentum Score of 78, which is Strong. Raymond James Financial, Inc. has a Momentum Score of 36, which is Weak.

The Momentum Grade Winner: Citigroup Inc.

As you can clearly see from the Momentum Grade breakdown above, Citigroup Inc. is considered to have stronger momentum compared to Raymond James Financial, Inc.. For those specifically looking for companies that have stronger momentum compared to other companies in the same industry, Citigroup Inc. could be a good stock to invest in. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Citigroup Inc., Raymond James Financial and Inc.’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
Citigroup Inc.	C	C
Raymond James Financial, Inc.	RJF	D

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.

Citigroup Inc. has a Earnings Estimate Score of 54, which is Neutral. Raymond James Financial, Inc. has a Earnings Estimate Score of 37, which is Negative.

The Earnings Estimate Revisions Stock Winner: No Clear Winner

Neither Citigroup Inc., Raymond James Financial or Inc. has an Earnings Estimate Revisions Grade that could be considered a “winner.” Investors 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 Citigroup Inc., Raymond James Financial or Inc. is the better investment when it comes to estimate revisions.

Other Citigroup Inc., Raymond James Financial and Inc. Grades

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

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 Quality Grade comes from the ranking of key metrics. Specifically, the quality grade is the percentile rank of the composite 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 F-Score.

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 Citigroup Inc., Raymond James Financial and Inc. pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, Citigroup Inc., Raymond James Financial or Inc. Stock?

Overall, Citigroup Inc. stock has a Growth Score of 20, Momentum Score of 78 and Estimate Revisions Score of 54.

Raymond James Financial, Inc. stock has a Growth Score of 60, Momentum Score of 36 and Estimate Revisions Score of 37.

Comparing Citigroup Inc., Raymond James Financial 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.