HBAN vs MTB vs CFG
161 measures in 16 categories, one definition each, computed from filings and market data.
HBAN58.9
Huntington Bancshares Incorporated
Financial Services · Banks - Regional
$15.27 −0.52%$30.9B mkt cap
Score DNA
MTB55.7
M&T Bank Corporation
Financial Services · Banks - Regional
$215.16 −1.60%$31.1B mkt cap
Score DNA
CFG55.2
Citizens Financial Group, Inc.
Financial Services · Banks - Regional
$63.36 −0.13%$26.7B mkt cap
Score DNA
Price, rebased to 100 three years ago
HBAN MTB CFG · weekly adjusted closesSmart money 8Valuation 16Profitability (TTM) 12Returns on capital 11Growth 17Margin history & stability 7Liquidity (latest quarter) 7Leverage & solvency (latest quarter) 13Efficiency 11Cash flow & earnings quality 7Dividends & buybacks 9Scores & forensic checks 15Per share 7Size (TTM) 8Price performance 9Technicals 4
● marks the highest or lowest value where that direction is plainly stronger (margins, returns, coverage, leverage); multiples and yields are left unmarked. Bars show each stock's percentile within its own industry. n/a: the measure does not apply to lenders and insurers.
Smart money
8 measures| Measure | HBAN | MTB | CFG |
|---|---|---|---|
| Insider open-market buys, 180d | 7 | 0 | 0 |
| Insider $ bought, 180d | $0.62M | — | — |
| Congress purchases, 180d | 1 | 0 | 1 |
| Last Congress purchase | 2026-05-01 | — | 2026-09-04 |
| 13F net change in holders | +4 | — | +80 |
| ETFs adding shares, 30d | 1,104 | 1,015 | 1,019 |
| ETFs trimming, 30d | 948 | 1,018 | 871 |
| Net ETF funds, 30d | +156 | −3 | +148 |
Valuation
16 measures| Measure | HBAN | MTB | CFG |
|---|---|---|---|
| P/E (TTM) | 12.9x
65th
|
10.2x
24th
|
12.6x
61st
|
| PEG (P/E ÷ 3-yr EPS CAGR) | — | 3.90
84th
|
7.36
92nd
|
| Price / sales | 2.1x
23rd
|
2.5x
50th
|
2.3x
37th
|
| Price / book | 0.9x
18th
|
1.1x
39th
|
1.0x
25th
|
| Price / tangible book | 1.6x
65th
|
1.9x
81st
|
1.7x
68th
|
| Price / free cash flow | n/a | n/a | n/a |
| Price / operating cash flow | n/a | n/a | n/a |
| Enterprise value | n/a | n/a | n/a |
| EV / sales | n/a | n/a | n/a |
| EV / EBITDA | n/a | n/a | n/a |
| EV / EBIT | n/a | n/a | n/a |
| EV / free cash flow | n/a | n/a | n/a |
| Earnings yield | 7.8%
36th
|
9.8%
77th
|
8.0%
41st
|
| FCF yield | n/a | n/a | n/a |
| Operating cash flow yield | n/a | n/a | n/a |
| Graham number (per share) | $21.24
7th
|
$278.95
98th
|
$82.94
78th
|
Profitability (TTM)
12 measures| Measure | HBAN | MTB | CFG |
|---|---|---|---|
| Gross margin | n/a | n/a | n/a |
| EBITDA margin | n/a | n/a | n/a |
| Operating margin | 20.4%
29th
|
33.2%
79th
|
23.6%
44th
|
| EBIT margin | 20.4%
28th
|
33.2%
79th
|
23.6%
42nd
|
| Net margin | 16.6%
16th
|
24.4%
68th
|
18.5%
24th
|
| NOPAT margin | 16.8%
30th
|
25.7%
77th
|
18.5%
42nd
|
| FCF margin | n/a | n/a | n/a |
| Operating cash flow margin | n/a | n/a | n/a |
| R&D / revenue | 0.0%
0th
|
0.0%
0th
|
0.0%
0th
|
| SG&A / revenue | 25.7%
41st
|
32.4%
73rd
|
28.0%
54th
|
| Stock comp / revenue | 0.9%
54th
|
1.1%
70th
|
1.1%
71st
|
| Effective tax rate | 17.7%
15th
|
22.7%
66th
|
21.6%
54th
|
Returns on capital
11 measures| Measure | HBAN | MTB | CFG |
|---|---|---|---|
| ROE (on average equity) | 9.0%
23rd
|
10.7%
46th
|
8.3%
18th
|
| ROA | 1.0%
20th
|
1.4%
72nd
|
0.9%
17th
|
| ROIC | n/a | n/a | n/a |
| ROCE | n/a | n/a | n/a |
| Return on tangible assets | 1.2%
30th
|
1.9%
79th
|
1.2%
32nd
|
| Cash ROIC (OCF / invested capital) | n/a | n/a | n/a |
| Gross profitability (GP / assets) | n/a | n/a | n/a |
| ROIC, 3-yr average | n/a | n/a | n/a |
| ROIC, 5-yr average | n/a | n/a | n/a |
| ROE, 5-yr average | 9.7%
40th
|
9.2%
34th
|
7.5%
14th
|
| Incremental ROIC | n/a | n/a | n/a |
Growth
17 measures| Measure | HBAN | MTB | CFG |
|---|---|---|---|
| Revenue growth (TTM YoY) | 18.5%
81st
|
-5.8%
18th
|
-4.5%
21st
|
| Revenue growth (QoQ) | 10.6%
80th
|
4.2%
67th
|
5.6%
73rd
|
| Revenue CAGR, 3 yr | 14.1%
67th
|
3.2%
13th
|
0.8%
5th
|
| Revenue CAGR, 5 yr | 22.3%
86th
|
15.2%
58th
|
9.7%
28th
|
| Gross profit CAGR, 3 yr | n/a | n/a | n/a |
| Operating income CAGR, 3 yr | -0.6%
36th
|
1.5%
43rd
|
-2.4%
30th
|
| Net income growth (TTM YoY) | 13.6%
29th
|
12.3%
26th
|
33.5%
61st
|
| Net income CAGR, 3 yr | -0.0%
23rd
|
0.6%
26th
|
-2.3%
17th
|
| EPS growth (TTM YoY) | -14.8%
6th
|
14.7%
39th
|
36.6%
68th
|
| EPS CAGR, 3 yr | -9.5%
10th
|
2.6%
40th
|
1.7%
35th
|
| EPS CAGR, 5 yr | 3.8%
44th
|
7.4%
65th
|
1.0%
24th
|
| FCF growth (TTM YoY) | n/a | n/a | n/a |
| FCF CAGR, 3 yr | n/a | n/a | n/a |
| Operating cash flow CAGR, 3 yr | n/a | n/a | n/a |
| Book value CAGR, 3 yr | 8.8%
47th
|
4.8%
19th
|
7.8%
37th
|
| Dividend CAGR, 3 yr | -5.9%
8th
|
3.0%
67th
|
5.2%
84th
|
| Sustainable growth rate | 4.6%
14th
|
7.0%
38th
|
4.7%
16th
|
Margin history & stability
7 measures| Measure | HBAN | MTB | CFG |
|---|---|---|---|
| Gross margin, 3-yr average | n/a | n/a | n/a |
| Operating margin, 3-yr average | 19.9%
33rd
|
27.6%
74th
|
17.9%
28th
|
| Net margin, 3-yr average | 16.3%
29th
|
20.9%
67th
|
14.2%
21st
|
| FCF margin, 3-yr average | n/a | n/a | n/a |
| Revenue stability (0-1) | 0.98
91st
|
0.74
21st
|
0.64
14th
|
| Earnings stability (0-1) | 0.52
63rd
|
0.62
71st
|
0.03
18th
|
| Margin stability (0-1) | 0.81
48th
|
0.84
65th
|
0.81
47th
|
Liquidity (latest quarter)
7 measures| Measure | HBAN | MTB | CFG |
|---|---|---|---|
| Cash & short-term investments | n/a | n/a | n/a |
| Net cash (− = net debt) | n/a | n/a | n/a |
| Working capital | n/a | n/a | n/a |
| Current ratio | n/a | n/a | n/a |
| Quick ratio | n/a | n/a | n/a |
| Cash ratio (cash + ST investments / current liabilities) | n/a | n/a | n/a |
| Defensive interval (days) | n/a | n/a | n/a |
Leverage & solvency (latest quarter)
13 measures| Measure | HBAN | MTB | CFG |
|---|---|---|---|
| Total debt | n/a | n/a | n/a |
| Debt / equity | n/a | n/a | n/a |
| Net debt / equity | n/a | n/a | n/a |
| Debt / assets | n/a | n/a | n/a |
| Debt / capital | n/a | n/a | n/a |
| Debt / EBITDA | n/a | n/a | n/a |
| Net debt / EBITDA | n/a | n/a | n/a |
| Interest coverage (EBIT / interest) | n/a | n/a | n/a |
| Cash interest coverage | n/a | n/a | n/a |
| Debt payback (years of OCF) | n/a | n/a | n/a |
| Liabilities / assets | 88.5%
47th
|
87.3%
27th
|
88.8%
56th
|
| IS credit model rating | A- | BBB+ | A- |
| Implied credit spread (bps) | 175
51st
|
225
65th
|
175
51st
|
Efficiency
11 measures| Measure | HBAN | MTB | CFG |
|---|---|---|---|
| Asset turnover | n/a | n/a | n/a |
| Fixed asset turnover | n/a | n/a | n/a |
| Inventory turnover | n/a | n/a | n/a |
| Receivables turnover | n/a | n/a | n/a |
| Days sales outstanding | n/a | n/a | n/a |
| Days inventory outstanding | n/a | n/a | n/a |
| Days payables outstanding | n/a | n/a | n/a |
| Cash conversion cycle (days) | n/a | n/a | n/a |
| Capex / revenue | n/a | n/a | n/a |
| Capex / depreciation | n/a | n/a | n/a |
| Operating expense ratio | n/a | n/a | n/a |
Cash flow & earnings quality
7 measures| Measure | HBAN | MTB | CFG |
|---|---|---|---|
| Operating cash flow / net income | n/a | n/a | n/a |
| FCF / net income | n/a | n/a | n/a |
| FCF / operating cash flow | n/a | n/a | n/a |
| Capex / operating cash flow | n/a | n/a | n/a |
| Accruals ratio | n/a | n/a | n/a |
| Sloan accruals ratio | n/a | n/a | n/a |
| Earnings quality score (0-1) | n/a | n/a | n/a |
Scores & forensic checks
15 measures| Measure | HBAN | MTB | CFG |
|---|---|---|---|
| IS score | 59
70th
|
56
59th
|
55
56th
|
| IS profitability | 54
30th
|
69
77th
|
56
39th
|
| IS growth | 63
72nd
|
43
21st
|
52
41st
|
| IS value | 88
84th
|
82
54th
|
88
85th
|
| IS momentum | 89
82nd
|
74
39th
|
80
58th
|
| IS risk (safety) | 50
5th
|
65
37th
|
50
5th
|
| IS quality | 77
57th
|
82
79th
|
76
55th
|
| IS balance sheet | 53
68th
|
29
16th
|
44
34th
|
| IS earnings quality | 99
95th
|
99
97th
|
98
86th
|
| IS cash flow | 74
51st
|
78
64th
|
72
47th
|
| Piotroski F-score (0-9) | 7
54th
|
7
54th
|
7
54th
|
| Altman Z-score | — | — | — |
| Beneish M-score | — | — | — |
| Ohlson O-score | −6.96
1st
|
−6.59
4th
|
−6.80
3rd
|
| IS credit score | 66
39th
|
64
35th
|
67
41st
|
Size (TTM)
8 measures| Measure | HBAN | MTB | CFG |
|---|---|---|---|
| Market cap | $30.9B
97th
|
$31.1B
97th
|
$26.7B
96th
|
| Revenue | $14.4B
95th
|
$12.4B
95th
|
$11.5B
95th
|
| EBITDA | $3.7B
97th
|
$4.4B
98th
|
$3.2B
95th
|
| Net income | $2.4B
97th
|
$3.0B
98th
|
$2.1B
94th
|
| Free cash flow | n/a | n/a | n/a |
| Total assets | $284.0B
97th
|
$219.3B
95th
|
$233.8B
95th
|
| Shareholders' equity | $32.6B
97th
|
$27.9B
96th
|
$26.2B
96th
|
| Employees | 25,527
99th
|
21,662
98th
|
17,398
94th
|
Price performance
9 measures| Measure | HBAN | MTB | CFG |
|---|---|---|---|
| 1 day | −0.5% | −1.6% | −0.1% |
| 1 week | −0.3% | −1.1% | −0.3% |
| 1 month | −3.8% | −5.0% | −6.0% |
| 3 months | −15.4% | −13.7% | −10.8% |
| 6 months | −9.4% | −1.7% | −1.7% |
| Year to date | −12.6% | +6.2% | +7.4% |
| 1 year | −5.0% | +17.2% | +23.6% |
| 3 years, cumulative | +64.9% | +84.0% | +161.8% |
| 5 years, cumulative | +15.7% | +60.5% | +55.4% |
Technicals
4 measures| Measure | HBAN | MTB | CFG |
|---|---|---|---|
| RSI 14 | 40.5 | 34.7 | 38.2 |
| From 52-week high | −21.5% | −15.9% | −15.9% |
| From 52-week low | +3.0% | +24.1% | +33.3% |
| Beta | 0.97 | 0.61 | 1.06 |
InsiderStreet reports findings from filings and market data. A comparison is not a recommendation to buy or sell either stock.Every figure is computed in code · data as of 2026-10-17