Citizens Financial Group vs First Citizens BancShares
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KIRAβs take AI analyst
I put Citizens Financial Group and First Citizens BancShares side by side, using each oneβs latest annual report. Here is what stands out:
- 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 12.6x for First Citizens BancShares.
Who comes out ahead
Of the 5 measures where higher (or lower) is clearly better, how many each company leads.
Citizens Financial Group
CFG
1/5
Revenue growth
First Citizens BancShares
FCNCA
4/5
5-year growthNet marginReturn on equityShare count change
Side by side
Best in the row
| Latest fiscal year | CFG FY25 | FCNCA FY25 |
|---|---|---|
| Size | ||
| Market cap | $28.6B | $30.5B |
| 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 | 12.6x |
| Piotroski F-score | β | β |
Ten years
Revenue
Operating margin
Free cash flow
Return on capital
Each company's latest fiscal year; fiscal years end in different months. The best value in each row is highlighted where higher (or lower) is clearly better. Not investment advice.