Citigroup Inc vs WELLS FARGO & COMPANY/MN, two Banks—Regional stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
What is priced in inverts the earnings: Wells Fargo at 13 times, priced as a fixed bank, earns 12% on equity; Citigroup at 20.3 times, priced as a bank still being fixed, earns 6.7%. The market pays seven extra turns for the one with more left to repair, which is trough arithmetic doing its usual optical work. Net margins, 25.5% against 16.8%, and returns on assets, 0.98% against 0.54%, favor Wells across the board, plus a visible 2% dividend. Both are American money-center franchises a decade into their respective penances; one's is over. The pair prices redemption at two stages, and the finished version is the discount.
Comparison updated 2026-07-10.
| Metric | C | WFC |
|---|---|---|
| Price | $141.79 | $83.88 |
| Market cap | $264.1B | $261.5B |
| Sector | Financial Services | Financial Services |
| Stage | Mature | Mature |
| P/E | 20.3 | 13.0 |
| P/B | 1.24 | 1.45 |
| P/S | 3.10 | 3.08 |
| Revenue growth | +5.6% | +4.2% |
| Net margin | 16.8% | 25.5% |
| Return on equity | 6.7% | 12.0% |
| Return on assets | 0.5% | 1.0% |
| Dividend yield | — | 2.0% |
| Debt / equity | 1.72 | 1.20 |
| Piotroski F (quality) | 8 / 9 | 7 / 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.