Citizens Financial vs Regions Financial
CFG and RF 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 RF compare
Citizens Financial and Regions Financial are about the same size, with market caps of $26.9B and $24.3B.
On earnings, Regions Financial is cheaper: it trades at 11.6× trailing earnings, against 13.8× for Citizens Financial.
Citizens Financial grew revenue faster over the last twelve months (11.0% versus 4.4% for Regions Financial).
Regions Financial keeps more of each dollar of sales as profit, with a net margin of 29.3% compared with 24.4% at Citizens Financial.
Both pay dividends: Citizens Financial yields 2.2% and Regions Financial 3.8%.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | CFG | RF |
|---|---|---|
| Size and price | ||
| Market cap | $26.9B | $24.3B |
| Share price | $63.81 | $28.57 |
| Change, 1 year | 26.5% | 18.7% |
| Change, 5 years | 33.5% | 17.5% |
| Beta (5Y) | 1.13 | 1.04 |
| Employees | 17K | 20K |
| StockData Score | ||
| Total score | 13 | 13 |
| Valuation score | 2 | 2 |
| Growth score | 1 (better) | 0 |
| Performance score | 2 | 3 (better) |
| Health score | 5 | 5 |
| Dividend score | 3 | 3 |
| Valuation | ||
| P/E | 13.8× | 11.6× (better) |
| P/S | 3.1× (better) | 3.2× |
| P/B | 1.0× (better) | 1.3× |
| PEG | – | 39.84 |
| Fair value | $59.20 | $27.63 |
| Margin of safety | −7.8% | −3.4% (better) |
| Growth | ||
| Revenue growth (TTM) | 11.0% (better) | 4.4% |
| Revenue growth, 5Y average | 3.6% | 146% (better) |
| Net income growth (TTM) | 33.5% (better) | 7.5% |
| EPS growth (TTM) | 40.1% (better) | 14.4% |
| EPS growth, 5Y average | 11.7% | 17.4% (better) |
| Profitability | ||
| Net margin | 24.4% | 29.3% (better) |
| Return on equity | 8.3% | 11.9% (better) |
| Financial health | ||
| Debt / equity | 0.04 (better) | 0.16 |
| Altman Z-score | 0.19 | 0.24 (better) |
| Piotroski F-score | 7 | 7 |
| Dividends and buybacks | ||
| Dividend yield | 2.2% | 3.8% (better) |
| Payout ratio | 36.7% | 41.1% |
| Years of dividend growth | 1 | 13 (better) |
| Dividend growth, 5Y average | 2.0% | 10.7% (better) |
| Buyback yield | 2.7% | 4.7% (better) |
| Shareholder yield | 4.9% | 8.5% (better) |
| Ownership | ||
| Held by institutions | 97.2% | 85.4% |
| Held by insiders | 0.99% | 0.34% |
| Insider net buying, 12 months | −$10.5M | −$1.2M (better) |
| Short interest, % of float | 4.1% | 7.5% |
Go deeper
- CFG stock overview
- CFG income statement
- CFG valuation and score
- RF stock overview
- RF income statement
- RF valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.