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 Comerica Incorporated, 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 Comerica Incorporated, Citizens Financial Group and Inc. compare based on key financial metrics to determine which better meets your investment needs.

About Comerica Incorporated, Citizens Financial Group and Inc.

Comerica Incorporated, together with its subsidiaries, provides financial services in the United States, Canada, and Mexico. The company operates through Commercial Bank, Retail Bank, and Wealth Management segments. The Commercial Bank segment offers various products and services, including commercial loans and lines of credit, deposits, cash management, payment solutions, card services, capital market products, international trade finance, letters of credit, foreign exchange management services, and loan syndication services for small and middle market businesses, multinational corporations, and governmental entities. The Retail Bank segment provides personal financial services, such as consumer lending, consumer deposit gathering, and mortgage loan origination; and various consumer products that include deposit accounts, installment loans, credit cards, home equity lines of credit, and residential mortgage loans. The Wealth Management segment offers products and services comprising financial planning, trust and fiduciary services, investment management and advisory, brokerage, private banking, and business transition planning services for affluents, high-net worth and ultra-high-net-worth individuals and families, business owners and executives, and institutional clients. The company was formerly known as DETROITBANK Corporation and changed its name to Comerica Incorporated in July 1982. Comerica Incorporated was founded in 1849 and is headquartered in Dallas, Texas.

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, wealth management, and investment 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. This segment serves multi-family, 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 Comerica Incorporated, Citizens Financial Group, Inc. Stock News

As of November 26, 2025, Comerica Incorporated had a $10.2 billion market capitalization, compared to the Banks median of $487.5 million. Comerica Incorporated’s stock is up 29.5% in 2025, up 4.8% in the previous five trading days and up 12.7% in the past year.

Currently, Comerica Incorporated’s price-earnings ratio is 15.3. Comerica Incorporated’s trailing 12-month revenue is $3.2 billion with a 22.2% net profit margin. Year-over-year quarterly sales growth most recently was 2.4%. Analysts expect adjusted earnings to reach $5.099 per share for the current fiscal year. Comerica Incorporated currently has a 3.5% dividend yield.

As of November 26, 2025, Citizens Financial Group, Inc. had a $23.2 billion market cap, putting it in the 88th percentile of all stocks. Citizens Financial Group, Inc.’s stock is up 23.4% in 2025, up 5.5% in the previous five trading days and up 13.28% in the past year.

Currently, Citizens Financial Group, Inc.’s price-earnings ratio is 15.1. Citizens Financial Group, Inc.’s trailing 12-month revenue is $7.4 billion with a 22.9% net profit margin. Year-over-year quarterly sales growth most recently was 13.6%. Analysts expect adjusted earnings to reach $3.838 per share for the current fiscal year. Citizens Financial Group, Inc. currently has a 3.1% dividend yield.

How We Compare Comerica Incorporated, 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 Comerica Incorporated, Citizens Financial Group and Inc.’s stock grades to see how they measure up against one another.

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Comerica Incorporated, Citizens Financial Group and Inc. Growth Grades

Company	Ticker	Growth
Comerica Incorporated	CMA	C
Citizens Financial Group, Inc.	CFG	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.

Comerica Incorporated has a Growth Score of 60, which is Average. Citizens Financial Group, Inc. has a Growth Score of 47, which is Average.

The Growth Stock Winner: No Clear Winner

Neither Comerica Incorporated, Citizens Financial Group 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 Comerica Incorporated, Citizens Financial Group or Inc. is the better investment when it comes to sustainable growth.

Comerica Incorporated, Citizens Financial Group and Inc.’s Quality Grades

Company	Ticker	Quality
Comerica Incorporated	CMA	D
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.

Comerica Incorporated has a Quality Score of 34, which is Weak. Citizens Financial Group, Inc. has a Quality Score of 34, which is Weak.

The Quality Stock Winner: No Clear Winner

Neither Comerica Incorporated, 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 Comerica Incorporated, Citizens Financial Group or Inc. is the better investment when it comes to quality.

Comerica Incorporated, Citizens Financial Group and Inc.’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
Comerica Incorporated	CMA	C
Citizens Financial Group, Inc.	CFG	C

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.

Comerica Incorporated has a Earnings Estimate Score of 58, which is Neutral. Citizens Financial Group, Inc. has a Earnings Estimate Score of 50, which is Neutral.

The Earnings Estimate Revisions Stock Winner: No Clear Winner

Neither Comerica Incorporated, Citizens Financial Group 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 Comerica Incorporated, Citizens Financial Group or Inc. is the better investment when it comes to estimate revisions.

Other Comerica Incorporated, Citizens Financial Group and Inc. Grades

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

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 Comerica Incorporated, 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, Comerica Incorporated, Citizens Financial Group or Inc. Stock?

Overall, Comerica Incorporated stock has a Growth Score of 60, Estimate Revisions Score of 58 and Quality Score of 34.

Citizens Financial Group, Inc. stock has a Growth Score of 47, Estimate Revisions Score of 50 and Quality Score of 34.

Comparing Comerica Incorporated, 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.