Citizens Financial Group
CFG Β· Regional Banks
$65.14
0.2%First Citizens BancShares
FCNCA Β· Regional Banks
$2,375.84
8.2%The short version
- First Citizens BancShares is the larger business, with $9.5B of revenue in fiscal 2025 against $8.2B for Citizens Financial Group.
- Citizens Financial Group grew revenue faster (5.6%, against β2.2%).
- Investors pay more for each dollar of Citizens Financial Groupβs earnings: a P/E of 14.2x against 12.7x for First Citizens BancShares.
| Latest fiscal year | CFG Β· FY25 | FCNCA Β· FY25 |
|---|---|---|
| Size | ||
| Market cap | $28.5B | $30.9B |
| Revenue | $8.2B | $9.5B |
| Free cash flow | β | β |
| Net income | $1.8B | $2.2B |
| Growth | ||
| Revenue growth | 5.6% | β2.2% |
| 5-year growth | 3.6% | 38.6% |
| Share count change | β3.7% | β9.3% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 22.2% | 23.1% |
| FCF margin | β | β |
| Return on capital | β | β |
| Return on equity | 7.2% | 9.9% |
| Balance sheet | ||
| Net debt | β | β |
| Net debt / EBITDA | β | β |
| Dividends and buybacks | $1.4B | $3.2B |
| Valuation & quality | ||
| P/E | 14.2x | 12.7x |
| Piotroski F-score | β | β |
FY16
CFG $5.3B
FCNCA $1.3B
FY17
CFG $5.7B
FCNCA $1.6B
FY18
CFG $6.1B
FCNCA $1.6B
FY19
CFG $6.5B
FCNCA $1.7B
FY20
CFG $6.9B
FCNCA $1.9B
FY21
CFG $6.6B
FCNCA $1.9B
FY22
CFG $8.0B
FCNCA $5.1B
FY23
CFG $8.2B
FCNCA $18.8B
FY24
CFG $7.8B
FCNCA $9.8B
FY25
CFG $8.2B
FCNCA $9.5B
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