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CFG vs FCNCA vs RF

161 measures in 16 categories, one definition each, computed from filings and market data.
CFG55.2
Citizens Financial Group, Inc.
Financial Services · Banks - Regional
$63.36 −0.13%$26.7B mkt cap
Score DNA
FCNCA49.8
First Citizens BancShares, Inc.
Financial Services · Banks - Regional
$2,123.74 +1.27%$24.0B mkt cap
Score DNA
RF43.8
Regions Financial Corporation
Financial Services · Banks - Regional
$27.45 +0.48%$23.4B mkt cap
Score DNA

Price, rebased to 100 three years ago

CFG   FCNCA   RF   · weekly adjusted closes
100150200250300Jan 24Apr 24Jul 24Oct 24Jan 25Apr 25Jul 25Oct 25Jan 26Apr 26Jul 26Oct 26CFG 272RF 190FCNCA 159
● marks the highest or lowest value where that direction is plainly stronger (margins, returns, coverage, leverage); multiples and yields are left unmarked. Bars show each stock's percentile within its own industry. n/a: the measure does not apply to lenders and insurers.

Smart money

8 measures
MeasureCFGFCNCARF
Insider open-market buys, 180d 0 53 0
Insider $ bought, 180d — $12.68M —
Congress purchases, 180d 1 1 0
Last Congress purchase 2026-09-04 2026-09-09 —
13F net change in holders +80 — +30
ETFs adding shares, 30d 1,019 481 1,101
ETFs trimming, 30d 871 369 926
Net ETF funds, 30d +148 +112 +175

Valuation

16 measures
MeasureCFGFCNCARF
P/E (TTM) 12.6x
61st
10.2x
21st
10.5x
29th
PEG (P/E ÷ 3-yr EPS CAGR) 7.36
92nd
— 5.34
88th
Price / sales 2.3x
37th
1.7x
9th
2.4x
45th
Price / book 1.0x
25th
1.1x
36th
1.2x
56th
Price / tangible book 1.7x
68th
1.1x
19th
2.2x
88th
Price / free cash flow n/a n/a n/a
Price / operating cash flow n/a n/a n/a
Enterprise value n/a n/a n/a
EV / sales n/a n/a n/a
EV / EBITDA n/a n/a n/a
EV / EBIT n/a n/a n/a
EV / free cash flow n/a n/a n/a
Earnings yield 8.0%
41st
9.8%
79th
9.5%
71st
FCF yield n/a n/a n/a
Operating cash flow yield n/a n/a n/a
Graham number (per share) $82.94
78th
$2,952.36
99th
$35.89
30th

Profitability (TTM)

12 measures
MeasureCFGFCNCARF
Gross margin n/a n/a n/a
EBITDA margin n/a n/a n/a
Operating margin 23.6%
44th
21.9%
35th
29.8%
70th
EBIT margin 23.6%
42nd
21.9%
32nd
29.8%
69th
Net margin 18.5%
24th
16.3%
13th
23.3%
63rd
NOPAT margin 18.5%
42nd
16.3%
29th
23.3%
70th
FCF margin n/a n/a n/a
Operating cash flow margin n/a n/a n/a
R&D / revenue 0.0%
0th
0.0%
0th
0.0%
0th
SG&A / revenue 28.0%
54th
35.2%
86th
32.9%
76th
Stock comp / revenue 1.1%
71st
0.0%
0th
—
Effective tax rate 21.6%
54th
25.5%
86th
21.6%
55th

Returns on capital

11 measures
MeasureCFGFCNCARF
ROE (on average equity) 8.3%
18th
10.7%
45th
11.9%
63rd
ROA 0.9%
17th
1.0%
24th
1.4%
71st
ROIC n/a n/a n/a
ROCE n/a n/a n/a
Return on tangible assets 1.2%
32nd
1.4%
42nd
1.8%
75th
Cash ROIC (OCF / invested capital) n/a n/a n/a
Gross profitability (GP / assets) n/a n/a n/a
ROIC, 3-yr average n/a n/a n/a
ROIC, 5-yr average n/a n/a n/a
ROE, 5-yr average 7.5%
14th
19.1%
98th
12.1%
71st
Incremental ROIC n/a n/a n/a

Growth

17 measures
MeasureCFGFCNCARF
Revenue growth (TTM YoY) -4.5%
21st
-1.3%
28th
0.5%
33rd
Revenue growth (QoQ) 5.6%
73rd
3.6%
61st
2.2%
51st
Revenue CAGR, 3 yr 0.8%
5th
22.5%
90th
3.7%
16th
Revenue CAGR, 5 yr 9.7%
28th
49.5%
98th
7.3%
13th
Gross profit CAGR, 3 yr n/a n/a n/a
Operating income CAGR, 3 yr -2.4%
30th
-34.4%
0th
-1.2%
34th
Net income growth (TTM YoY) 33.5%
61st
-1.8%
10th
7.5%
20th
Net income CAGR, 3 yr -2.3%
17th
-39.8%
0th
-1.1%
20th
EPS growth (TTM YoY) 36.6%
68th
12.7%
34th
12.9%
36th
EPS CAGR, 3 yr 1.7%
35th
-34.9%
1st
2.0%
36th
EPS CAGR, 5 yr 1.0%
24th
28.1%
98th
-0.5%
19th
FCF growth (TTM YoY) n/a n/a n/a
FCF CAGR, 3 yr n/a n/a n/a
Operating cash flow CAGR, 3 yr n/a n/a n/a
Book value CAGR, 3 yr 7.8%
37th
11.8%
69th
7.5%
32nd
Dividend CAGR, 3 yr 5.2%
84th
12.9%
95th
2.9%
66th
Sustainable growth rate 4.7%
16th
9.8%
73rd
6.6%
35th

Margin history & stability

7 measures
MeasureCFGFCNCARF
Gross margin, 3-yr average n/a n/a n/a
Operating margin, 3-yr average 17.9%
28th
22.5%
49th
26.8%
72nd
Net margin, 3-yr average 14.2%
21st
17.0%
38th
21.3%
70th
FCF margin, 3-yr average n/a n/a n/a
Revenue stability (0-1) 0.64
14th
0.85
35th
0.89
45th
Earnings stability (0-1) 0.03
18th
0.01
9th
0.28
44th
Margin stability (0-1) 0.81
47th
0.78
29th
0.84
61st

Liquidity (latest quarter)

7 measures
MeasureCFGFCNCARF
Cash & short-term investments n/a n/a n/a
Net cash (− = net debt) n/a n/a n/a
Working capital n/a n/a n/a
Current ratio n/a n/a n/a
Quick ratio n/a n/a n/a
Cash ratio (cash + ST investments / current liabilities) n/a n/a n/a
Defensive interval (days) n/a n/a n/a

Leverage & solvency (latest quarter)

13 measures
MeasureCFGFCNCARF
Total debt n/a n/a n/a
Debt / equity n/a n/a n/a
Net debt / equity n/a n/a n/a
Debt / assets n/a n/a n/a
Debt / capital n/a n/a n/a
Debt / EBITDA n/a n/a n/a
Net debt / EBITDA n/a n/a n/a
Interest coverage (EBIT / interest) n/a n/a n/a
Cash interest coverage n/a n/a n/a
Debt payback (years of OCF) n/a n/a n/a
Liabilities / assets 88.8%
56th
90.8%
87th
88.3%
39th
IS credit model rating A- A- A
Implied credit spread (bps) 175
51st
175
51st
150
42nd

Efficiency

11 measures
MeasureCFGFCNCARF
Asset turnover n/a n/a n/a
Fixed asset turnover n/a n/a n/a
Inventory turnover n/a n/a n/a
Receivables turnover n/a n/a n/a
Days sales outstanding n/a n/a n/a
Days inventory outstanding n/a n/a n/a
Days payables outstanding n/a n/a n/a
Cash conversion cycle (days) n/a n/a n/a
Capex / revenue n/a n/a n/a
Capex / depreciation n/a n/a n/a
Operating expense ratio n/a n/a n/a

Cash flow & earnings quality

7 measures
MeasureCFGFCNCARF
Operating cash flow / net income n/a n/a n/a
FCF / net income n/a n/a n/a
FCF / operating cash flow n/a n/a n/a
Capex / operating cash flow n/a n/a n/a
Accruals ratio n/a n/a n/a
Sloan accruals ratio n/a n/a n/a
Earnings quality score (0-1) n/a n/a n/a

Dividends & buybacks

9 measures
MeasureCFGFCNCARF
Dividend yield 2.9%
60th
0.4%
9th
4.0%
84th
Dividend per share (TTM) $1.84
82nd
$8.40
99th
$1.09
56th
Payout ratio (dividends / net income) 43.1%
76th
7.9%
9th
44.8%
80th
Dividends / FCF n/a n/a n/a
Dividend growth (YoY) 5.5%
50th
31.0%
91st
4.3%
41st
Buyback yield 4.2%
81st
13.8%
98th
4.9%
85th
Shareholder yield (dividends + buybacks) 7.7%
81st
14.5%
98th
9.2%
88th
Share count change (YoY) -2.3%
24th
-12.9%
1st
-4.8%
12th
Buybacks, last 5 years $5.2B
98th
$8.3B
98th
$5.2B
97th

Scores & forensic checks

15 measures
MeasureCFGFCNCARF
IS score 55
56th
50
35th
44
19th
IS profitability 56
39th
59
44th
68
70th
IS growth 52
41st
37
12th
45
26th
IS value 88
85th
94
98th
83
60th
IS momentum 80
58th
68
28th
60
14th
IS risk (safety) 50
5th
50
5th
90
85th
IS quality 76
55th
72
42nd
72
38th
IS balance sheet 44
34th
23
6th
56
83rd
IS earnings quality 98
86th
99
98th
82
26th
IS cash flow 72
47th
70
41st
46
11th
Piotroski F-score (0-9) 7
54th
7
54th
6
26th
Altman Z-score — — —
Beneish M-score — — —
Ohlson O-score −6.80
3rd
−6.55
5th
−5.54
33rd
IS credit score 67
41st
65
35th
74
56th

Per share

7 measures
MeasureCFGFCNCARF
EPS, diluted (TTM) $4.98
68th
$204.06
99th
$2.60
36th
Book value per share $61.36
87th
$1,898.44
99th
$21.98
23rd
Tangible book per share $39.99
73rd
$1,853.62
99th
$14.20
12th
Revenue per share $26.87
80th
$1,250.98
99th
$11.16
30th
FCF per share n/a n/a n/a
Operating cash flow per share n/a n/a n/a
Cash per share n/a n/a n/a

Size (TTM)

8 measures
MeasureCFGFCNCARF
Market cap $26.7B
96th
$24.0B
95th
$23.4B
95th
Revenue $11.5B
95th
$14.4B
97th
$9.6B
94th
EBITDA $3.2B
95th
$3.6B
95th
$2.9B
94th
Net income $2.1B
94th
$2.4B
96th
$2.2B
95th
Free cash flow n/a n/a n/a
Total assets $233.8B
95th
$236.8B
95th
$161.3B
94th
Shareholders' equity $26.2B
96th
$21.9B
95th
$18.8B
94th
Employees 17,398
94th
18,141
95th
20,003
96th

Price performance

9 measures
MeasureCFGFCNCARF
1 day −0.1% +1.3% +0.5%
1 week −0.3% +2.7% +1.5%
1 month −6.0% +0.1% −3.6%
3 months −10.8% +2.3% −11.8%
6 months −1.7% +4.6% −2.5%
Year to date +7.4% −1.5% +0.5%
1 year +23.6% +21.8% +12.1%
3 years, cumulative +161.8% +54.1% +84.3%
5 years, cumulative +55.4% +150.5% +48.9%

Technicals

4 measures
MeasureCFGFCNCARF
RSI 14 38.2 55.0 44.3
From 52-week high −15.9% −7.5% −15.5%
From 52-week low +33.3% +30.9% +22.1%
Beta 1.06 0.58 1.06
InsiderStreet reports findings from filings and market data. A comparison is not a recommendation to buy or sell either stock.Every figure is computed in code · data as of 2026-10-17

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For informational purposes only. Not investment advice. Data sourced from SEC filings. Privacy Terms