Citigroup Inc vs TORONTO DOMINION BANK, two Banks—Regional stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
13.16 against 20.28: TD's multiple next to Citigroup's, the cheaper price on the bank earning nearly triple the returns, 17.4% against 6.7% on equity. TD's discount is a compliance story, US regulatory penalties capping its American expansion; Citi's premium is a restructuring story, earnings depressed while the simplification grinds. Net margins, 28.3% against 16.8%, and returns on assets, 1.04% against 0.54%, both favor TD by wide margins. Neither dividend displays here. The pair prices two clouds: one over a franchise that keeps earning through it, one over a franchise still assembling itself. Seven turns of multiple say the market fears the earner's cloud more, which is its own kind of finding.
Comparison updated 2026-07-10.
| Metric | C | TD |
|---|---|---|
| Price | $141.79 | $119.72 |
| Market cap | $264.1B | $201.2B |
| Sector | Financial Services | Financial Services |
| Stage | Mature | Mature |
| P/E | 20.3 | 13.2 |
| P/B | 1.24 | 2.18 |
| P/S | 3.10 | 3.55 |
| Revenue growth | +5.6% | -8.8% |
| Net margin | 16.8% | 28.3% |
| Return on equity | 6.7% | 17.4% |
| Return on assets | 0.5% | 1.0% |
| Debt / equity | 1.72 | 0.00 |
| Piotroski F (quality) | 8 / 9 | 9 / 9 |
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The stronger value is highlighted per metric where one is strictly better on that single number; it is not an overall verdict on either company. For informational and research purposes only. Not investment advice. Not a recommendation to buy, sell, or hold any security. boothcheck is not a registered investment adviser. Past performance does not guarantee future results.