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 Citizens Financial Group, Inc. or JPMorgan Chase & Co. 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 Citizens Financial Group, Inc. and JPMorgan Chase & Co. compare based on key financial metrics to determine which better meets your investment needs.

About Citizens Financial Group, Inc. and JPMorgan Chase & Co.

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.

JPMorgan Chase & Co. operates as a bank and financial holding company in the United States, rest of North America, Europe, the Middle East, Africa, the Asia Pacific, Latin America, and the Caribbean. It operates in three segments: Consumer & Community Banking, Commercial & Investment Bank, and Asset & Wealth Management. The company offers deposit, investment and lending products, and cash management; mortgage origination and servicing activities; residential mortgages and home equity loans; and credit cards, payment solutions, travel services, merchant offers, lifestyle benefits, auto loans, and leases to consumers and small businesses through bank branches, ATMs, and digital and telephone banking. It also provides investment banking, market-making, financing, custody, and securities products and services; corporate strategy and structure advisory, equity and debt market capital-raising, and loan origination and syndication services; cash and derivative instruments, risk management solutions, prime brokerage, clearing, and research; and fund services, liquidity and trading services, and data solutions products for large corporations, financial institutions, merchants, start-ups, small and midsized companies, local governments, municipalities, nonprofits, and commercial real estate clients. In addition, the company offers multi-asset investment management solutions in equities, fixed income, alternatives, and money market funds to institutional clients and retail investors; retirement products and services, estate planning, lending, deposits, and investment management products to high-net-worth clients; and financial transaction processing. JPMorgan Chase & Co. was founded in 1799 and is headquartered in New York, New York.

Latest Banks and Citizens Financial Group, Inc., JPMorgan Chase & Co. Stock News

As of September 4, 2026, Citizens Financial Group, Inc. had a $29.8 billion market capitalization, compared to the Banks median of $767.9 million. Citizens Financial Group, Inc.’s stock is up 21.2% in 2026, up 1.5% in the previous five trading days and up 34.79% in the past year.

Currently, Citizens Financial Group, Inc.’s price-earnings ratio is 15.4. 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 2.6% dividend yield.

As of September 4, 2026, JPMorgan Chase & Co. had a $953.3 billion market cap, putting it in the 100th percentile of all stocks. JPMorgan Chase & Co.’s stock is up 11.3% in 2026, up 0.3% in the previous five trading days and up 18.04% in the past year.

Currently, JPMorgan Chase & Co.’s price-earnings ratio is 15.4. JPMorgan Chase & Co.’s trailing 12-month revenue is $186.3 billion with a 34.9% net profit margin. Year-over-year quarterly sales growth most recently was 30.4%. Analysts expect adjusted earnings to reach $24.212 per share for the current fiscal year. JPMorgan Chase & Co. currently has a 1.8% dividend yield.

How We Compare Citizens Financial Group, Inc. and JPMorgan Chase & Co. 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 Citizens Financial Group, Inc. and JPMorgan Chase & Co.’s stock grades to see how they measure up against one another.

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Citizens Financial Group, Inc. and JPMorgan Chase & Co. Growth Grades

Company	Ticker	Growth
Citizens Financial Group, Inc.	CFG	B
JPMorgan Chase & Co.	JPM	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.

Citizens Financial Group, Inc. has a Growth Score of 77, which is Strong. JPMorgan Chase & Co. has a Growth Score of 45, which is Average.

The Growth Grade Winner: Citizens Financial Group, Inc.

As you can clearly see from the Growth Grade breakdown above, Citizens Financial Group, Inc. has a more attractive growth grade than JPMorgan Chase & Co.. For investors who focus solely on how a company is growing relative to other companies in the same industry, Citizens Financial Group, Inc. 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.

Citizens Financial Group, Inc. and JPMorgan Chase & Co.’s Quality Grades

Company	Ticker	Quality
Citizens Financial Group, Inc.	CFG	D
JPMorgan Chase & Co.	JPM	F

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.

Citizens Financial Group, Inc. has a Quality Score of 22, which is Weak. JPMorgan Chase & Co. has a Quality Score of 17, which is Very Weak.

The Quality Stock Winner: No Clear Winner

Neither Citizens Financial Group, Inc. or JPMorgan Chase & Co. 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 Citizens Financial Group, Inc. or JPMorgan Chase & Co. is the better investment when it comes to quality.

Citizens Financial Group, Inc. and JPMorgan Chase & Co.’s Momentum Grades

Company	Ticker	Momentum
Citizens Financial Group, Inc.	CFG	B
JPMorgan Chase & Co.	JPM	B

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%.

Citizens Financial Group, Inc. has a Momentum Score of 67, which is Strong. JPMorgan Chase & Co. has a Momentum Score of 64, which is Strong.

The Momentum Grade Winner: It’s a Tie!

Looking at the Momentum Grade breakdown above, both Citizens Financial Group, Inc. and JPMorgan Chase & Co. have a grade of B. For those who focus solely on a company’s momentum, further research will need to be conducted into both companies to see if they fit your individual needs as an investor.

Other Citizens Financial Group, Inc. and JPMorgan Chase & Co. Grades

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

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

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.

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 Citizens Financial Group, Inc. and JPMorgan Chase & Co. pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, Citizens Financial Group, Inc. or JPMorgan Chase & Co. Stock?

Overall, Citizens Financial Group, Inc. stock has a Growth Score of 77, Momentum Score of 67 and Quality Score of 22.

JPMorgan Chase & Co. stock has a Growth Score of 45, Momentum Score of 64 and Quality Score of 17.

Comparing Citizens Financial Group, Inc. and JPMorgan Chase & Co.’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.