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RF vs FCNCA vs KEY

161 measures in 16 categories, one definition each, computed from filings and market data.
RF43.8
Regions Financial Corporation
Financial Services · Banks - Regional
$27.45 +0.48%$23.4B 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
KEY44.2
KeyCorp
Financial Services · Banks - Regional
$19.99 +0.20%$21.6B mkt cap
Score DNA

Price, rebased to 100 three years ago

RF   FCNCA   KEY   · weekly adjusted closes
100150200250Jan 24Apr 24Jul 24Oct 24Jan 25Apr 25Jul 25Oct 25Jan 26Apr 26Jul 26Oct 26KEY 214RF 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
MeasureRFFCNCAKEY
Insider open-market buys, 180d 0 53 0
Insider $ bought, 180d — $12.68M —
Congress purchases, 180d 0 1 1
Last Congress purchase — 2026-09-09 2026-03-27
13F net change in holders +30 — +51
ETFs adding shares, 30d 1,101 481 935
ETFs trimming, 30d 926 369 919
Net ETF funds, 30d +175 +112 +16

Valuation

16 measures
MeasureRFFCNCAKEY
P/E (TTM) 10.5x
29th
10.2x
21st
10.6x
31st
PEG (P/E ÷ 3-yr EPS CAGR) 5.34
88th
— 2.25
62nd
Price / sales 2.4x
45th
1.7x
9th
2.1x
20th
Price / book 1.2x
56th
1.1x
36th
1.1x
34th
Price / tangible book 2.2x
88th
1.1x
19th
1.4x
40th
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 9.5%
71st
9.8%
79th
9.4%
69th
FCF yield n/a n/a n/a
Operating cash flow yield n/a n/a n/a
Graham number (per share) $35.89
30th
$2,952.36
99th
$28.07
17th

Profitability (TTM)

12 measures
MeasureRFFCNCAKEY
Gross margin n/a n/a n/a
EBITDA margin n/a n/a n/a
Operating margin 29.8%
70th
21.9%
35th
18.1%
22nd
EBIT margin 29.8%
69th
21.9%
32nd
18.1%
21st
Net margin 23.3%
63rd
16.3%
13th
19.4%
33rd
NOPAT margin 23.3%
70th
16.3%
29th
14.3%
23rd
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 32.9%
76th
35.2%
86th
37.0%
91st
Stock comp / revenue — 0.0%
0th
1.3%
77th
Effective tax rate 21.6%
55th
25.5%
86th
20.5%
41st

Returns on capital

11 measures
MeasureRFFCNCAKEY
ROE (on average equity) 11.9%
63rd
10.7%
45th
10.3%
41st
ROA 1.4%
71st
1.0%
24th
1.1%
34th
ROIC n/a n/a n/a
ROCE n/a n/a n/a
Return on tangible assets 1.8%
75th
1.4%
42nd
1.0%
23rd
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 12.1%
71st
19.1%
98th
8.7%
29th
Incremental ROIC n/a n/a n/a

Growth

17 measures
MeasureRFFCNCAKEY
Revenue growth (TTM YoY) 0.5%
33rd
-1.3%
28th
13.5%
73rd
Revenue growth (QoQ) 2.2%
51st
3.6%
61st
-24.5%
20th
Revenue CAGR, 3 yr 3.7%
16th
22.5%
90th
3.9%
16th
Revenue CAGR, 5 yr 7.3%
13th
49.5%
98th
7.8%
17th
Gross profit CAGR, 3 yr n/a n/a n/a
Operating income CAGR, 3 yr -1.2%
34th
-34.4%
0th
0.4%
41st
Net income growth (TTM YoY) 7.5%
20th
-1.8%
10th
1,053.4%
99th
Net income CAGR, 3 yr -1.1%
20th
-39.8%
0th
9.8%
61st
EPS growth (TTM YoY) 12.9%
36th
12.7%
34th
1,084.4%
99th
EPS CAGR, 3 yr 2.0%
36th
-34.9%
1st
4.7%
54th
EPS CAGR, 5 yr -0.5%
19th
28.1%
98th
-4.9%
10th
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 7.5%
32nd
11.8%
69th
7.5%
33rd
Dividend CAGR, 3 yr 2.9%
66th
12.9%
95th
-3.1%
17th
Sustainable growth rate 6.6%
35th
9.8%
73rd
5.0%
19th

Margin history & stability

7 measures
MeasureRFFCNCAKEY
Gross margin, 3-yr average n/a n/a n/a
Operating margin, 3-yr average 26.8%
72nd
22.5%
49th
9.8%
8th
Net margin, 3-yr average 21.3%
70th
17.0%
38th
9.8%
10th
FCF margin, 3-yr average n/a n/a n/a
Revenue stability (0-1) 0.89
45th
0.85
35th
0.68
17th
Earnings stability (0-1) 0.28
44th
0.01
9th
0.28
43rd
Margin stability (0-1) 0.84
61st
0.78
29th
0.72
10th

Liquidity (latest quarter)

7 measures
MeasureRFFCNCAKEY
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
MeasureRFFCNCAKEY
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 88.3%
39th
90.8%
87th
89.7%
73rd
IS credit model rating A A- BBB+
Implied credit spread (bps) 150
42nd
175
51st
225
65th

Efficiency

11 measures
MeasureRFFCNCAKEY
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
MeasureRFFCNCAKEY
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
MeasureRFFCNCAKEY
Dividend yield 4.0%
84th
0.4%
9th
4.1%
88th
Dividend per share (TTM) $1.09
56th
$8.40
99th
$0.82
42nd
Payout ratio (dividends / net income) 44.8%
80th
7.9%
9th
51.4%
89th
Dividends / FCF n/a n/a n/a
Dividend growth (YoY) 4.3%
41st
31.0%
91st
7.5%
60th
Buyback yield 4.9%
85th
13.8%
98th
4.5%
82nd
Shareholder yield (dividends + buybacks) 9.2%
88th
14.5%
98th
9.3%
89th
Share count change (YoY) -4.8%
12th
-12.9%
1st
-2.6%
21st
Buybacks, last 5 years $5.2B
97th
$8.3B
98th
$1.8B
95th

Scores & forensic checks

15 measures
MeasureRFFCNCAKEY
IS score 44
19th
50
35th
44
20th
IS profitability 68
70th
59
44th
47
22nd
IS growth 45
26th
37
12th
67
82nd
IS value 83
60th
94
98th
82
56th
IS momentum 60
14th
68
28th
74
38th
IS risk (safety) 90
85th
50
5th
80
64th
IS quality 72
38th
72
42nd
62
23rd
IS balance sheet 56
83rd
23
6th
53
66th
IS earnings quality 82
26th
99
98th
82
28th
IS cash flow 46
11th
70
41st
38
9th
Piotroski F-score (0-9) 6
26th
7
54th
7
54th
Altman Z-score — — —
Beneish M-score — — —
Ohlson O-score −5.54
33rd
−6.55
5th
−5.98
13th
IS credit score 74
56th
65
35th
63
32nd

Per share

7 measures
MeasureRFFCNCAKEY
EPS, diluted (TTM) $2.60
36th
$204.06
99th
$1.90
21st
Book value per share $21.98
23rd
$1,898.44
99th
$18.48
16th
Tangible book per share $14.20
12th
$1,853.62
99th
$15.91
18th
Revenue per share $11.16
30th
$1,250.98
99th
$9.78
22nd
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
MeasureRFFCNCAKEY
Market cap $23.4B
95th
$24.0B
95th
$21.6B
93rd
Revenue $9.6B
94th
$14.4B
97th
$10.5B
94th
EBITDA $2.9B
94th
$3.6B
95th
$1.9B
93rd
Net income $2.2B
95th
$2.4B
96th
$2.0B
94th
Free cash flow n/a n/a n/a
Total assets $161.3B
94th
$236.8B
95th
$191.3B
94th
Shareholders' equity $18.8B
94th
$21.9B
95th
$19.8B
94th
Employees 20,003
96th
18,141
95th
17,883
94th

Price performance

9 measures
MeasureRFFCNCAKEY
1 day +0.5% +1.3% +0.2%
1 week +1.5% +2.7% +0.1%
1 month −3.6% +0.1% −4.6%
3 months −11.8% +2.3% −14.3%
6 months −2.5% +4.6% −8.3%
Year to date +0.5% −1.5% −4.8%
1 year +12.1% +21.8% +13.9%
3 years, cumulative +84.3% +54.1% +112.3%
5 years, cumulative +48.9% +150.5% +7.7%

Technicals

4 measures
MeasureRFFCNCAKEY
RSI 14 44.3 55.0 38.8
From 52-week high −15.5% −7.5% −17.0%
From 52-week low +22.1% +30.9% +22.6%
Beta 1.06 0.58 1.09
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