RBC vs Citi
RBC and Citi are presented to illustrate how large banks compare, within a neutral frame. This page compares their business models, financial performance, and market context, helping readers understand differences without speculation. Educational content, not financial advice.
RBC and Citi are presented to illustrate how large banks compare, within a neutral frame. This page compares their business models, financial performance, and market context, helping readers understan...
Why It's Moving
RY Stock Warning: Why Analysts See -14% Downside Risk
- Q1 2026 earnings released on February 26 signal softer profitability, raising flags on cost controls and loan growth amid economic headwinds.
- Recent stock price fluctuations, including a dip to 231.51 CAD on February 5, reflect investor jitters over interest rate sensitivity.
- Analysts point to elevated downside risk from rising provisions for credit losses and competitive pressures in Canadian banking, projecting up to -14% from current levels.
Citigroup Completes $2.3B Preferred Share Redemption as Dividend Payments Continue
- $2.3 billion Series X Preferred Stock fully redeemed on February 18, 2026, eliminating a fixed-rate obligation and reducing preferred equity outstanding
- Quarterly common dividend of $0.60 per share maintained and payable to shareholders of record as of February 2, demonstrating confidence in operational cash generation
- Citi Wealth maintains constructive 2026 outlook citing corporate profitability tailwinds and identifies CapEx and AI infrastructure as cross-sector opportunities, though noting risks from policy shifts and tariff uncertainty
RY Stock Warning: Why Analysts See -14% Downside Risk
- Q1 2026 earnings released on February 26 signal softer profitability, raising flags on cost controls and loan growth amid economic headwinds.
- Recent stock price fluctuations, including a dip to 231.51 CAD on February 5, reflect investor jitters over interest rate sensitivity.
- Analysts point to elevated downside risk from rising provisions for credit losses and competitive pressures in Canadian banking, projecting up to -14% from current levels.
Citigroup Completes $2.3B Preferred Share Redemption as Dividend Payments Continue
- $2.3 billion Series X Preferred Stock fully redeemed on February 18, 2026, eliminating a fixed-rate obligation and reducing preferred equity outstanding
- Quarterly common dividend of $0.60 per share maintained and payable to shareholders of record as of February 2, demonstrating confidence in operational cash generation
- Citi Wealth maintains constructive 2026 outlook citing corporate profitability tailwinds and identifies CapEx and AI infrastructure as cross-sector opportunities, though noting risks from policy shifts and tariff uncertainty
Investment Analysis
RBC
RY
Pros
- RBC has a diversified global footprint across retail banking, wealth management, and capital markets, providing multiple revenue streams.
- The bank maintains a dominant position in the Canadian banking sector, supporting steady deposit and loan growth.
- RBC offers an attractive dividend yield, with a forward yield above 3.5% and a history of reliable payouts.
Considerations
- RBC has significant exposure to the Canadian housing market, increasing vulnerability to domestic mortgage and consumer credit risks.
- Analyst consensus suggests limited upside potential, with the average 12-month price target indicating only modest expected appreciation.
- Recent shifts in analyst ratings, including downgrades, reflect concerns over macroeconomic conditions and profit growth challenges.
Citi
C
Pros
- Citigroup operates in over 160 countries, offering global scale and diversified revenue across geographies and financial services.
- The company’s restructuring efforts, including business simplification and cost reductions, aim to improve long-term profitability and efficiency.
- Citigroup trades at a lower valuation multiple than some peers, potentially offering value if execution on strategic changes improves.
Considerations
- Citigroup’s ongoing transformation introduces execution risk, with past strategic pivots having mixed success in enhancing shareholder returns.
- Current performance lags many peers on key fundamental and return metrics, reflected in year-to-date share price underperformance.
- The bank’s large global footprint exposes it to regulatory, geopolitical, and currency risks across multiple jurisdictions.
Related Market Insights
Canada's Domestic Champions: Your Shield Against Trade War Chaos
Invest in Canada's domestic champions. These companies offer a strategic shield from trade war volatility & could benefit from Bank of Canada rate cuts.
Aimee Silverwood | Financial Analyst
August 30, 2025
Canada's Trade Reset: Why These Stocks Could Benefit
Canada's tariff removal signals trade normalisation. Discover Canadian transport, energy, and finance stocks poised to benefit. Invest in this cyclical opportunity.
Aimee Silverwood | Financial Analyst
August 24, 2025
Related Market Insights
Canada's Domestic Champions: Your Shield Against Trade War Chaos
Invest in Canada's domestic champions. These companies offer a strategic shield from trade war volatility & could benefit from Bank of Canada rate cuts.
Aimee Silverwood | Financial Analyst
August 30, 2025
Canada's Trade Reset: Why These Stocks Could Benefit
Canada's tariff removal signals trade normalisation. Discover Canadian transport, energy, and finance stocks poised to benefit. Invest in this cyclical opportunity.
Aimee Silverwood | Financial Analyst
August 24, 2025
RBC (RY) Next Earnings Date
Royal Bank of Canada will report its Q1 2026 earnings on February 26, 2026, before market open at 8:30 AM ET. The earnings announcement will cover the first quarter of fiscal year 2026. Analysts are forecasting earnings per share of $2.75 and revenue of approximately $12.604 billion for the quarter. The company will host a conference call at 8:30 AM ET to discuss results with investors and analysts.
Citi (C) Next Earnings Date
Citigroup (C) is scheduled to report its Q1 2026 earnings on April 14, 2026. The earnings call will follow the press release, providing investors with detailed financial performance metrics for the first quarter of 2026. This date aligns with the company's historical earnings release schedule and has been confirmed by Citigroup's investor relations department.
RBC (RY) Next Earnings Date
Royal Bank of Canada will report its Q1 2026 earnings on February 26, 2026, before market open at 8:30 AM ET. The earnings announcement will cover the first quarter of fiscal year 2026. Analysts are forecasting earnings per share of $2.75 and revenue of approximately $12.604 billion for the quarter. The company will host a conference call at 8:30 AM ET to discuss results with investors and analysts.
Citi (C) Next Earnings Date
Citigroup (C) is scheduled to report its Q1 2026 earnings on April 14, 2026. The earnings call will follow the press release, providing investors with detailed financial performance metrics for the first quarter of 2026. This date aligns with the company's historical earnings release schedule and has been confirmed by Citigroup's investor relations department.
Which Baskets Do They Appear In?
Canada Domestic Champions Explained | Trade War Shield
Recent U.S. tariffs have caused a contraction in Canada's export-driven economy, creating a unique investment opportunity. This theme focuses on Canadian companies that serve the domestic market and are insulated from international trade disputes.
Published: August 30, 2025
Explore BasketNorth American Trade Normalization
Canada has lifted retaliatory tariffs on a wide range of U.S. products, a significant step toward normalizing trade relations. This creates a favorable investment landscape for American companies in sectors like apparel and consumer goods that export to Canada.
Published: August 24, 2025
Explore BasketWhich Baskets Do They Appear In?
Canada Domestic Champions Explained | Trade War Shield
Recent U.S. tariffs have caused a contraction in Canada's export-driven economy, creating a unique investment opportunity. This theme focuses on Canadian companies that serve the domestic market and are insulated from international trade disputes.
Published: August 30, 2025
Explore BasketNorth American Trade Normalization
Canada has lifted retaliatory tariffs on a wide range of U.S. products, a significant step toward normalizing trade relations. This creates a favorable investment landscape for American companies in sectors like apparel and consumer goods that export to Canada.
Published: August 24, 2025
Explore BasketBuy RY or C in Nemo
Zero Commission
Trade stocks, ETFs, and more with zero commission. Keep more of your returns.
Trusted & Regulated
Part of Exinity Group 2015, serving over a million customers globally.
6% Interest on Cash
Earn 6% AER on uninvested cash with daily interest payments.
Discover More Comparisons
RBC vs MUFG
RBC vs MUFG: a neutral comparison
RBC vs Blackstone
RBC vs Blackstone: A comparison of two leading firms
Morgan Stanley vs Citi
Morgan Stanley vs Citi: comparing business models