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Citizens Financial vs M&T Bank: revenue, profit, margins and growth compared

Citizens Financial brought in $8.2B of revenue in fiscal 2025, M&T Bank $1.7B in fiscal 2025. Revenue changed by +5.6% at Citizens Financial and +7.5% at M&T Bank on the year before, so M&T Bank grew faster. Citizens Financial kept 22.2% of its revenue as net profit, M&T Bank 172.1%.

Side by side, latest fiscal year

CFGMTB
Fiscal year endedFY2025 (December 31, 2025)FY2025 (December 31, 2025)
Revenue$8.2B$1.7B
Revenue growth+5.6%+7.5%
Net income$1.8B$2.9B
Net margin22.2%172.1%
Free cash flown/an/a
Free cash flow marginn/an/a
Earnings per share (diluted)$3.86$17.00
Cash$12.7B$18.8B
Debt$11.2B$10.9B
Price to earnings17.013.0
Market value$27.6B$31.9B
Dividend yield2.62%2.58%
Rank by revenue in sector#66 of 444 · Finance#158 of 444 · Finance

Over the years

Revenue
CFG FY2018: $6.1BCFG FY2019: $6.5BCFG FY2020: $6.9BCFG FY2021: $6.6BCFG FY2022: $8BCFG FY2023: $8.2BCFG FY2024: $7.8BCFG FY2025: $8.2BMTB FY2018: $5.9BMTB FY2019: $6.2BMTB FY2020: $6BMTB FY2021: $6BMTB FY2022: $8.2BMTB FY2023: $9.6BMTB FY2024: $1.5BMTB FY2025: $1.7BFY18FY19FY20FY21FY22FY23FY24FY25
CFG $8.2BMTB $1.7B
Net income
CFG FY2018: $1.7BCFG FY2019: $1.8BCFG FY2020: $1.1BCFG FY2021: $2.3BCFG FY2022: $2.1BCFG FY2023: $1.6BCFG FY2024: $1.5BCFG FY2025: $1.8BMTB FY2018: $1.9BMTB FY2019: $1.9BMTB FY2020: $1.4BMTB FY2021: $1.9BMTB FY2022: $2BMTB FY2023: $2.7BMTB FY2024: $2.6BMTB FY2025: $2.9BFY18FY19FY20FY21FY22FY23FY24FY25
CFG $1.8BMTB $2.9B
Net margin
CFG FY2018: 28.1%CFG FY2019: 27.6%CFG FY2020: 15.3%CFG FY2021: 34.9%CFG FY2022: 25.8%CFG FY2023: 19.6%CFG FY2024: 19.3%CFG FY2025: 22.2%MTB FY2018: 32.4%MTB FY2019: 31.2%MTB FY2020: 22.7%MTB FY2021: 31.0%MTB FY2022: 24.4%MTB FY2023: 28.4%MTB FY2024: 167.9%MTB FY2025: 172.1%FY18FY19FY20FY21FY22FY23FY24FY25
CFG 22.2%MTB 172.1%
Revenue growth
CFG FY2019: +5.9%CFG FY2020: +6.4%CFG FY2021: -3.7%CFG FY2022: +20.7%CFG FY2023: +2.5%CFG FY2024: -5.0%CFG FY2025: +5.6%MTB FY2019: +4.4%MTB FY2020: -3.8%MTB FY2021: +0.6%MTB FY2022: +36.5%MTB FY2023: +17.9%MTB FY2024: -84.0%MTB FY2025: +7.5%FY19FY20FY21FY22FY23FY24FY25
CFG +5.6%MTB +7.5%
Free cash flow
CFG FY2018: $1.5BCFG FY2019: $1.6BMTB FY2018: $2BMTB FY2019: $2.2BMTB FY2020: $617.2MMTB FY2021: $2.6BMTB FY2022: $4.4BMTB FY2023: $3.6BFY18FY19FY20FY21FY22FY23
CFG $1.6BMTB $3.6B

Fiscal years as each company reports them; the two may end in different months.

Questions about Citizens Financial and M&T Bank

Which is bigger by revenue, Citizens Financial or M&T Bank?

Citizens Financial is bigger by revenue: $8.2B in fiscal 2025, against $1.7B for M&T Bank in fiscal 2025.

Which keeps more of its revenue as profit, Citizens Financial or M&T Bank?

Citizens Financial had a net margin of 22.2% in fiscal 2025; M&T Bank had 172.1% in fiscal 2025.

Which grew revenue faster, Citizens Financial or M&T Bank?

In their latest fiscal years revenue changed by +5.6% at Citizens Financial and +7.5% at M&T Bank.

Where do these numbers come from?

From the annual reports each company files with the SEC (10-K, or 20-F and 40-F for foreign companies), read from their XBRL data. Margins and growth are simple arithmetic on those figures. Nothing here is a recommendation.

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