CFG vs. FCNCA: Citizens Financial vs. First Citizens BancShares Stock Comparison

Company Profile

Citizens Financial (CFG) and First Citizens BancShares (FCNCA) both belong to the Banks industry, though CFG is classified under Regional Banks while FCNCA falls under Diversified Banks.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Citizens Financial (CFG) trades around 3.99M shares per day on average, while First Citizens BancShares (FCNCA) sees only 68.57K — a volume gap that can matter for position sizing, exit liquidity, and order execution.

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

First Citizens BancShares (FCNCA) at 10.98% is around its peer norm for ROE, while Citizens Financial (CFG) at 8.90% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.

Both Citizens Financial (CFG) at 27.02% and First Citizens BancShares (FCNCA) at 25.21% let more of each sales dollar slip away before the bottom line than peers do, sitting in the lower net margin quartile of their industries.

Neither side reports a meaningful operating margin: for Citizens Financial (CFG) in Banks and First Citizens BancShares (FCNCA) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Both Citizens Financial (CFG) at 5.61% and First Citizens BancShares (FCNCA) at -2.61% post bottom-quartile revenue growth versus peers, pointing to weaker demand or pricing momentum than typical rivals.

Citizens Financial (CFG) at 27.39% is around its peer norm for EPS growth, while First Citizens BancShares (FCNCA) at -12.76% drops into the bottom quartile, signaling weaker earnings momentum.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Citizens Financial (CFG) in Banks and First Citizens BancShares (FCNCA) in Banks both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

debt-to-equity ratio is set aside for both: Citizens Financial (CFG) in Banks and First Citizens BancShares (FCNCA) in Banks run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Dividends

Citizens Financial (CFG) at 2.88% pays a yield in its industry’s typical range, while First Citizens BancShares (FCNCA) at 0.36% falls in the bottom quartile of its peers.

Citizens Financial (CFG) at 37.17% keeps its payout within the industry’s typical band; First Citizens BancShares (FCNCA) at 4.31% pays out less than peers usually do, retaining more of its earnings — a policy difference more than a quality gap.

Dividend Metrics

Valuation

Both Citizens Financial (CFG) at 12.78 and First Citizens BancShares (FCNCA) at 11.68 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

P/S ratio is set aside for both Citizens Financial (CFG) in Banks and First Citizens BancShares (FCNCA) in Banks: without a conventional revenue line, pricing per dollar of sales isn’t meaningful, and book- or earnings-based multiples make the better comparison.

On P/B ratio, both Citizens Financial (CFG) at 1.16 and First Citizens BancShares (FCNCA) at 1.29 are valued close to their industries’ norm against book — neither stands out from peers.

Valuation Metrics