Citigroup (C) vs U.S. Bancorp (USB)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 7, 2026.
Summary
Citigroup (C) has outperformed U.S. Bancorp (USB) over the past year, gaining 30.2% versus a gain of 18.3%. Over five years, C leads with a +76.1% price change compared with -6.7% for USB. Citigroup is the larger company by market cap ($213.57 billion vs $87.52 billion), about 2.4 times the size.
On valuation, U.S. Bancorp trades at a lower forward P/E (9.7x vs 9.8x for Citigroup). U.S. Bancorp offers the higher dividend yield (3.70% vs 1.89%). U.S. Bancorp converts more of its revenue into profit, with a net margin of 26.4% versus 16.8%.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | C | USB |
|---|---|---|
| Share price | $127.32 | $56.17 |
| Market cap | $213.57B | $87.52B |
| 1-day change | -0.93% | -1.95% |
| YTD return | +9.11% | +5.27% |
| 1-year return | +30.18% | +18.25% |
| 5-year return | +76.12% | -6.74% |
| P/E ratio (TTM) | 13.75 | 11.21 |
| Forward P/E | 9.83 | 9.67 |
| EPS (TTM) | $9.26 | $5.01 |
| Dividend yield | 1.89% | 3.70% |
| Annual dividend | $2.40 | $2.08 |
| Revenue (latest FY) | $85.22B | $28.66B |
| Revenue growth (YoY) | +5.58% | +4.37% |
| Net income (latest FY) | $14.31B | $7.57B |
| Net margin | 16.79% | 26.42% |
| 52-week high | $147.96 | $66.08 |
| 52-week low | $93.66 | $45.02 |
| Distance from 52-week high | -13.95% | -15.00% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +19.97% | +22.84% |
| Average volume | 10.23M | 7.45M |
| Shares outstanding | 1.68B | 1.56B |
| Employees | 219,000 | 70,000 |
| Sector | Finance | Finance |
| Industry | Major Banks | Major Banks |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- Citigroup is about 2.4 times larger than U.S. Bancorp by market value ($213.57B vs $87.52B).
- C has outperformed USB by 11.9 percentage points over the past year.
- U.S. Bancorp offers a meaningfully higher dividend yield (3.70% vs 1.89%).
- U.S. Bancorp is more profitable, keeping 26.4 cents of every revenue dollar as net income versus 16.8 cents for Citigroup.
About Citigroup
C stock →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.
Finance · Major Banks · 219,000 employees
About U.S. Bancorp
USB stock →U.S. Bancorp, a financial services holding company, provides various financial services to individuals, businesses, institutional organizations, governmental entities, and other financial institutions in the United States.
Finance · Major Banks · 70,000 employees
C vs USB FAQ
Which is bigger, Citigroup or U.S. Bancorp?
Citigroup (C) is larger, with a market capitalization of $213.57B compared with $87.52B for U.S. Bancorp (USB).
Which stock has performed better over the past year, C or USB?
C returned +30.18% over the past 12 months, compared with +18.25% for USB (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, C or USB?
USB has the lower trailing P/E at 11.2, versus 13.7 for C. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Citigroup or U.S. Bancorp?
U.S. Bancorp has the higher yield at 3.70%, compared with 1.89% for Citigroup.
Are Citigroup and U.S. Bancorp in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.