Citizens Financial vs First Citizens BancShares
CFG and FCNCA side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How CFG and FCNCA compare
Citizens Financial and First Citizens BancShares are about the same size, with market caps of $26.9B and $26.6B.
On earnings, First Citizens BancShares is cheaper: it trades at 12.6× trailing earnings, against 13.8× for Citizens Financial.
Citizens Financial grew revenue faster over the last twelve months (11.0% versus 0.94% for First Citizens BancShares).
First Citizens BancShares keeps more of each dollar of sales as profit, with a net margin of 24.5% compared with 24.4% at Citizens Financial.
Both pay dividends: Citizens Financial yields 2.2% and First Citizens BancShares 0.36%.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | CFG | FCNCA |
|---|---|---|
| Size and price | ||
| Market cap | $26.9B | $26.6B |
| Share price | $63.81 | $2352.64 |
| Change, 1 year | 26.5% | 31.7% |
| Change, 5 years | 33.5% | 176% |
| Beta (5Y) | 1.13 | 1.02 |
| Employees | 17K | 18K |
| StockData Score | ||
| Total score | 13 | 13 |
| Valuation score | 2 | 2 |
| Growth score | 1 | 2 (better) |
| Performance score | 2 | 2 |
| Health score | 5 (better) | 3 |
| Dividend score | 3 | 4 (better) |
| Valuation | ||
| P/E | 13.8× | 12.6× (better) |
| P/S | 3.1× | 2.8× (better) |
| P/B | 1.0× (better) | 1.2× |
| P/FCF | – | 10.8× |
| PEG | – | 0.36 |
| FCF yield | – | 9.2% |
| Fair value | $59.20 | $2288.61 |
| Margin of safety | −7.8% | −2.8% (better) |
| Growth | ||
| Revenue growth (TTM) | 11.0% (better) | 0.94% |
| Revenue growth, 5Y average | 3.6% | 38.6% (better) |
| Net income growth (TTM) | 33.5% (better) | −1.8% |
| EPS growth (TTM) | 40.1% (better) | 10.4% |
| EPS growth, 5Y average | 11.7% | 28.3% (better) |
| Profitability | ||
| Net margin | 24.4% | 24.5% (better) |
| FCF margin | – | 25.6% |
| Return on equity | 8.3% | 10.7% (better) |
| Financial health | ||
| Debt / equity | 0.04 (better) | 1.47 |
| Altman Z-score | 0.19 | 0.24 (better) |
| Piotroski F-score | 7 (better) | 5 |
| Dividends and buybacks | ||
| Dividend yield | 2.2% (better) | 0.36% |
| Payout ratio | 36.7% | 7.9% |
| Years of dividend growth | 1 | 9 (better) |
| Dividend growth, 5Y average | 2.0% | 36.6% (better) |
| Buyback yield | 2.7% | 12.4% (better) |
| Shareholder yield | 4.9% | 12.8% (better) |
| Ownership | ||
| Held by institutions | 97.2% | 59.6% |
| Held by insiders | 0.99% | 15.2% |
| Insider net buying, 12 months | −$10.5M | −$1.9M (better) |
| Superinvestors holding | – | 2 |
| Short interest, % of float | 4.1% | – |
Go deeper
- CFG stock overview
- CFG income statement
- CFG valuation and score
- FCNCA stock overview
- FCNCA income statement
- FCNCA valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.