CFG vs. FHN: Citizens Financial vs. First Horizon Stock Comparison
How do Citizens Financial (CFG) and First Horizon (FHN) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
Citizens Financial (CFG) and First Horizon (FHN) are both classified in the Regional Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.
| Profile Item | CFG | FHN |
|---|---|---|
| Name | Citizens Financial Group Inc. | First Horizon Corporation |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Banks | Banks |
| GICS Industry | Banks | Banks |
| GICS Sub-Industry | Regional Banks | Regional Banks |
| Market Capitalization | 26.51 billion USD | 10.85 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | September 24, 2014 | March 17, 1980 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | CFG | FHN |
|---|---|---|
| Total Return (1Y) | 30.28% | 12.96% |
| Total Return (3Y, Annualized) | 42.95% | 32.94% |
| Total Return (5Y, Annualized) | 10.93% | 10.16% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | CFG | FHN |
|---|---|---|
| Volatility (1Y, Annualized) | 25.87% | 22.55% |
| Beta (5Y) | 1.07 | 0.61 |
| Max Drawdown (5Y) | -56.19% | -60.76% |
| Avg. Volume (3M) | 3.99M | 5.55M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | CFG | FHN |
|---|---|---|
| Sharpe Ratio (1Y) | 1.00 | 0.38 |
| Sortino Ratio (1Y) | 1.50 | 0.56 |
Profitability
ROE (TTM)
Both Citizens Financial (CFG) at 8.90% and First Horizon (FHN) at 7.92% produce bottom-quartile ROE versus peers, pointing to weaker profit generation on shareholders’ equity.
CFG
Banks industry group
8.90%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- Q1
- 9.50%
- CFG
- 8.90%
- Min
- 3.64%
FHN
Banks industry group
7.92%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- Q1
- 9.50%
- FHN
- 7.92%
- Min
- 3.64%
Net Margin (TTM)
Both Citizens Financial (CFG) at 27.02% and First Horizon (FHN) at 23.43% 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.
CFG
Banks industry group
27.02%
- Max
- 47.19%
- Q3
- 35.25%
- Median
- 31.21%
- Q1
- 27.11%
- CFG
- 27.02%
- Min
- 14.93%
FHN
Banks industry group
23.43%
- Max
- 47.19%
- Q3
- 35.25%
- Median
- 31.21%
- Q1
- 27.11%
- FHN
- 23.43%
- Min
- 14.93%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Citizens Financial (CFG) in Banks and First Horizon (FHN) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | CFG | FHN |
|---|---|---|
| ROE (TTM) | 8.90% | 7.92% |
| ROA (TTM) | 0.99% | 0.87% |
| Net Margin (TTM) | 27.02% | 23.43% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
First Horizon (FHN) at 7.33% is around its peer norm for revenue growth, while Citizens Financial (CFG) at 5.61% drops into the bottom quartile, signaling weaker demand or pricing momentum.
EPS Growth
First Horizon (FHN) at 37.50% sits in the top EPS growth quartile, while Citizens Financial (CFG) at 27.39% is closer to the peer norm — faster per-share earnings growth for FHN.
Growth Metrics
| Metric | CFG | FHN |
|---|---|---|
| Revenue Growth (YoY) | 5.61% | 7.33% |
| Revenue Growth (3Y CAGR) | 0.93% | 2.12% |
| EPS Growth (YoY) | 27.39% | 37.50% |
| EPS Growth (3Y CAGR) | -1.99% | 6.92% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Citizens Financial (CFG) in Banks and First Horizon (FHN) 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 / Equity (MRQ)
debt-to-equity ratio is set aside for both: Citizens Financial (CFG) in Banks and First Horizon (FHN) 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
| Metric | CFG | FHN |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Citizens Financial (CFG) at 2.88% and First Horizon (FHN) at 2.85% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.
CFG
Banks industry group
2.88%
- Max
- 5.79%
- Q3
- 3.18%
- CFG
- 2.88%
- Median
- 2.39%
- Q1
- 1.20%
- Min
- 0.00%
FHN
Banks industry group
2.85%
- Max
- 5.79%
- Q3
- 3.18%
- FHN
- 2.85%
- Median
- 2.39%
- Q1
- 1.20%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Citizens Financial (CFG) at 37.17% pays out a band-typical share of earnings, while First Horizon (FHN) at 47.48% distributes more than its industry norm — less retained, thinner cover.
CFG
Banks industry group
37.17%
- Max
- 70.75%
- Q3
- 41.28%
- CFG
- 37.17%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
FHN
Banks industry group
47.48%
- Max
- 70.75%
- FHN
- 47.48%
- Q3
- 41.28%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
Dividend Metrics
| Metric | CFG | FHN |
|---|---|---|
| Dividend Yield (TTM) | 2.88% | 2.85% |
| Dividend Payout Ratio (TTM) | 37.17% | 47.48% |
Valuation
P/E Ratio (TTM)
Citizens Financial (CFG) at 12.78 is near its industry’s usual P/E ratio, while First Horizon (FHN) at 16.58 sits in the richer quartile — FHN needs stronger growth or earnings quality to justify the premium.
CFG
Banks industry group
12.78
- Max
- 18.16
- Q3
- 13.75
- CFG
- 12.78
- Median
- 11.81
- Q1
- 10.64
- Min
- 6.49
FHN
Banks industry group
16.58
- Max
- 18.16
- FHN
- 16.58
- Q3
- 13.75
- Median
- 11.81
- Q1
- 10.64
- Min
- 6.49
P/S Ratio (TTM)
P/S ratio is set aside for both Citizens Financial (CFG) in Banks and First Horizon (FHN) 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.
P/B Ratio (MRQ)
On P/B ratio, both Citizens Financial (CFG) at 1.16 and First Horizon (FHN) at 1.34 are valued close to their industries’ norm against book — neither stands out from peers.
CFG
Banks industry group
1.16
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- CFG
- 1.16
- Q1
- 1.10
- Min
- 0.59
FHN
Banks industry group
1.34
- Max
- 2.28
- Q3
- 1.58
- FHN
- 1.34
- Median
- 1.32
- Q1
- 1.10
- Min
- 0.59
Valuation Metrics
| Metric | CFG | FHN |
|---|---|---|
| P/E Ratio (TTM) | 12.78 | 16.58 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 1.16 | 1.34 |
| Free Cash Flow Yield (TTM) | -- | -- |