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 closesSmart money 8Valuation 16Profitability (TTM) 12Returns on capital 11Growth 17Margin history & stability 7Liquidity (latest quarter) 7Leverage & solvency (latest quarter) 13Efficiency 11Cash flow & earnings quality 7Dividends & buybacks 9Scores & forensic checks 15Per share 7Size (TTM) 8Price performance 9Technicals 4
● 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| Measure | CFG | FCNCA | RF |
|---|---|---|---|
| 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| Measure | CFG | FCNCA | RF |
|---|---|---|---|
| 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| Measure | CFG | FCNCA | RF |
|---|---|---|---|
| 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| Measure | CFG | FCNCA | RF |
|---|---|---|---|
| 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| Measure | CFG | FCNCA | RF |
|---|---|---|---|
| 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| Measure | CFG | FCNCA | RF |
|---|---|---|---|
| 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| Measure | CFG | FCNCA | RF |
|---|---|---|---|
| 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| Measure | CFG | FCNCA | RF |
|---|---|---|---|
| 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| Measure | CFG | FCNCA | RF |
|---|---|---|---|
| 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| Measure | CFG | FCNCA | RF |
|---|---|---|---|
| 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 |
Scores & forensic checks
15 measures| Measure | CFG | FCNCA | RF |
|---|---|---|---|
| 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
|
Size (TTM)
8 measures| Measure | CFG | FCNCA | RF |
|---|---|---|---|
| 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| Measure | CFG | FCNCA | RF |
|---|---|---|---|
| 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| Measure | CFG | FCNCA | RF |
|---|---|---|---|
| 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