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
Price, rebased to 100 three years ago
RF FCNCA KEY · 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 | RF | FCNCA | KEY |
|---|---|---|---|
| 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| Measure | RF | FCNCA | KEY |
|---|---|---|---|
| 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| Measure | RF | FCNCA | KEY |
|---|---|---|---|
| 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| Measure | RF | FCNCA | KEY |
|---|---|---|---|
| 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| Measure | RF | FCNCA | KEY |
|---|---|---|---|
| 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| Measure | RF | FCNCA | KEY |
|---|---|---|---|
| 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| Measure | RF | FCNCA | KEY |
|---|---|---|---|
| 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 | RF | FCNCA | KEY |
|---|---|---|---|
| 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| Measure | RF | FCNCA | KEY |
|---|---|---|---|
| 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 | RF | FCNCA | KEY |
|---|---|---|---|
| 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 | RF | FCNCA | KEY |
|---|---|---|---|
| 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
|
Size (TTM)
8 measures| Measure | RF | FCNCA | KEY |
|---|---|---|---|
| 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| Measure | RF | FCNCA | KEY |
|---|---|---|---|
| 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| Measure | RF | FCNCA | KEY |
|---|---|---|---|
| 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