CFG
Citizens Financial Group, Inc.
Banks - Regional
Market Cap$28.31B
5Y Perf.+172.3%
Compare Stocks
2 / 10Try these comparisons:
Stock Comparison
CFG vs RF
Revenue, margins, valuation, and 5-year total return — side by side.
RF
Regions Financial Corporation
Banks - Regional
Market Cap$24.49B
5Y Perf.+149.4%
CFG vs RF — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | CFG | RF |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $28.31B | $24.49B |
| Revenue (TTM) | $12.35B | $9.61B |
| Net Income (TTM) | $1.70B | $2.16B |
| Gross Margin | 57.6% | 74.6% |
| Operating Margin | 15.3% | 28.5% |
| Forward P/E | 12.7x | 10.8x |
| Total Debt | $12.40B | $4.88B |
| Cash & Equiv. | $11.24B | $10.91B |
CFG vs RF — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
CFG
RF
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Citizens Financial … (CFG) | 100 | 272.3 | +172.3% |
| Regions Financial C… (RF) | 100 | 249.4 | +149.4% |
Price return only. Dividends and distributions are not included.
Quick Verdict: CFG vs RF
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: RF leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. Citizens Financial Group, Inc. is the stronger pick specifically for profitability and margin quality and recent price momentum and sentiment. As sector peers, any of these can serve as alternatives in the same allocation.
CFG
Citizens Financial Group, Inc.
The Banking Pick
CFG is the clearest fit if your priority is quality and momentum.
- Efficiency ratio 0.4% vs RF's 0.5% (lower = leaner)
- +76.5% vs RF's +41.3%
- Efficiency ratio 0.4% vs RF's 0.5%
Best for: quality and momentum
RF
Regions Financial Corporation
The Banking Pick
RF carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 13 yrs, beta 1.10, yield 3.7%
- Rev growth 2.5%, EPS growth 18.7%
- 284.7% 10Y total return vs CFG's 260.3%
Best for: income & stability and growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | RF | 2.5% NII/revenue growth vs CFG's 1.3% |
| Value | RF | Lower P/E (10.8x vs 12.7x) |
| Quality / Margins | CFG | Efficiency ratio 0.4% vs RF's 0.5% (lower = leaner) |
| Stability / Safety | RF | Beta 1.10 vs CFG's 1.33, lower leverage |
| Dividends | RF | 3.7% yield, 13-year raise streak, vs CFG's 2.6% |
| Momentum (1Y) | CFG | +76.5% vs RF's +41.3% |
| Efficiency (ROA) | CFG | Efficiency ratio 0.4% vs RF's 0.5% |
CFG vs RF — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2024
FY 2023
CFG vs RF — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLRFLAGGINGCFG
CFGCitizens Financial Gr…
1leads
RFRegions Financial Cor…
4leads
6 Total Categories
CATEGORYLEADERvs CFGMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
RF4/5
Valuation MetricsMultiples, price ratios, and targets
RF4/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
RF9/9
Total Returns1Y, 3Y, 5Y total returns with dividends
CFG5/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
RF2/2
Income & Cash Flow (Last 12 Months)
RF leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
CFG and RF operate at a comparable scale, with $12.3B and $9.6B in trailing revenue. RF is the more profitable business, keeping 22.4% of every revenue dollar as net income compared to CFG's 12.2%.
| Metric | CFGCitizens Financia… | RFRegions Financial… |
|---|---|---|
| RevenueTrailing 12 months | $12.3B | $9.6B |
| EBITDAEarnings before interest/tax | $2.6B | $2.8B |
| Net IncomeAfter-tax profit | $1.7B | $2.2B |
| Free Cash FlowCash after capex | $2.7B | $2.1B |
| Gross MarginGross profit ÷ Revenue | +57.6% | +74.6% |
| Operating MarginEBIT ÷ Revenue | +15.3% | +28.5% |
| Net MarginNet income ÷ Revenue | +12.2% | +22.4% |
| FCF MarginFCF ÷ Revenue | +15.2% | +22.7% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +38.2% | +3.6% |
RF leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
RF leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
At 12.3x trailing earnings, RF trades at a 43% valuation discount to CFG's 21.7x P/E. On an enterprise value basis, RF's 6.6x EV/EBITDA is more attractive than CFG's 12.4x.
| Metric | CFGCitizens Financia… | RFRegions Financial… |
|---|---|---|
| Market CapShares × price | $28.3B | $24.5B |
| Enterprise ValueMkt cap + debt − cash | $29.5B | $18.5B |
| Trailing P/EPrice ÷ TTM EPS | 21.66x | 12.32x |
| Forward P/EPrice ÷ next-FY EPS est. | 12.66x | 10.79x |
| PEG RatioP/E ÷ EPS growth rate | — | 0.71x |
| EV / EBITDAEnterprise value multiple | 12.35x | 6.58x |
| Price / SalesMarket cap ÷ Revenue | 2.29x | 2.55x |
| Price / BookPrice ÷ Book value/share | 1.23x | 1.30x |
| Price / FCFMarket cap ÷ FCF | 15.07x | 11.23x |
RF leads this category, winning 4 of 6 comparable metrics.
Profitability & Efficiency
RF leads this category, winning 9 of 9 comparable metrics.
Profitability & Efficiency
RF delivers a 11.3% return on equity — every $100 of shareholder capital generates $11 in annual profit, vs $7 for CFG. RF carries lower financial leverage with a 0.26x debt-to-equity ratio, signaling a more conservative balance sheet compared to CFG's 0.51x. On the Piotroski fundamental quality scale (0–9), RF scores 9/9 vs CFG's 7/9, reflecting strong financial health.
| Metric | CFGCitizens Financia… | RFRegions Financial… |
|---|---|---|
| ROE (TTM)Return on equity | +6.6% | +11.3% |
| ROA (TTM)Return on assets | +0.8% | +1.4% |
| ROICReturn on invested capital | +3.8% | +8.5% |
| ROCEReturn on capital employed | +4.4% | +9.6% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 9 |
| Debt / EquityFinancial leverage | 0.51x | 0.26x |
| Net DebtTotal debt minus cash | $1.2B | -$6.0B |
| Cash & Equiv.Liquid assets | $11.2B | $10.9B |
| Total DebtShort + long-term debt | $12.4B | $4.9B |
| Interest CoverageEBIT ÷ Interest expense | 0.55x | 1.32x |
RF leads this category, winning 9 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
CFG leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in CFG five years ago would be worth $15,060 today (with dividends reinvested), compared to $14,374 for RF. Over the past 12 months, CFG leads with a +76.5% total return vs RF's +41.3%. The 3-year compound annual growth rate (CAGR) favors CFG at 40.1% vs RF's 23.9% — a key indicator of consistent wealth creation.
| Metric | CFGCitizens Financia… | RFRegions Financial… |
|---|---|---|
| YTD ReturnYear-to-date | +12.0% | +3.3% |
| 1-Year ReturnPast 12 months | +76.5% | +41.3% |
| 3-Year ReturnCumulative with dividends | +174.8% | +90.0% |
| 5-Year ReturnCumulative with dividends | +50.6% | +43.7% |
| 10-Year ReturnCumulative with dividends | +260.3% | +284.7% |
| CAGR (3Y)Annualised 3-year return | +40.1% | +23.9% |
CFG leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
Evenly matched — CFG and RF each lead in 1 of 2 comparable metrics.
Risk & Volatility
RF is the less volatile stock with a 1.10 beta — it tends to amplify market swings less than CFG's 1.33 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. CFG currently trades 95.4% from its 52-week high vs RF's 89.5% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | CFGCitizens Financia… | RFRegions Financial… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.33x | 1.10x |
| 52-Week HighHighest price in past year | $68.79 | $31.53 |
| 52-Week LowLowest price in past year | $37.93 | $20.67 |
| % of 52W HighCurrent price vs 52-week peak | +95.4% | +89.5% |
| RSI (14)Momentum oscillator 0–100 | 54.7 | 53.8 |
| Avg Volume (50D)Average daily shares traded | 4.6M | 11.9M |
Evenly matched — CFG and RF each lead in 1 of 2 comparable metrics.
Analyst Outlook
RF leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates CFG as "Buy" and RF as "Hold". Consensus price targets imply 10.4% upside for CFG (target: $72) vs 9.1% for RF (target: $31). For income investors, RF offers the higher dividend yield at 3.67% vs CFG's 2.58%.
| Metric | CFGCitizens Financia… | RFRegions Financial… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Hold |
| Price TargetConsensus 12-month target | $72.42 | $30.78 |
| # AnalystsCovering analysts | 38 | 52 |
| Dividend YieldAnnual dividend ÷ price | +2.6% | +3.7% |
| Dividend StreakConsecutive years of raises | 3 | 13 |
| Dividend / ShareAnnual DPS | $1.70 | $1.04 |
| Buyback YieldShare repurchases ÷ mkt cap | +4.8% | +4.4% |
RF leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
RF leads in 4 of 6 categories (Income & Cash Flow, Valuation Metrics). CFG leads in 1 (Total Returns). 1 tied.
Best OverallRegions Financial Corporati… (RF)Leads 4 of 6 categories
Loading custom metrics...
CFG vs RF: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is CFG or RF a better buy right now?
For growth investors, Regions Financial Corporation (RF) is the stronger pick with 2.
5% revenue growth year-over-year, versus 1. 3% for Citizens Financial Group, Inc. (CFG). Regions Financial Corporation (RF) offers the better valuation at 12. 3x trailing P/E (10. 8x forward), making it the more compelling value choice. Analysts rate Citizens Financial Group, Inc. (CFG) a "Buy" — based on 38 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — CFG or RF?
On trailing P/E, Regions Financial Corporation (RF) is the cheapest at 12.
3x versus Citizens Financial Group, Inc. at 21. 7x. On forward P/E, Regions Financial Corporation is actually cheaper at 10. 8x.
03Which is the better long-term investment — CFG or RF?
Over the past 5 years, Citizens Financial Group, Inc.
(CFG) delivered a total return of +50. 6%, compared to +43. 7% for Regions Financial Corporation (RF). Over 10 years, the gap is even starker: RF returned +284. 7% versus CFG's +260. 3%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — CFG or RF?
By beta (market sensitivity over 5 years), Regions Financial Corporation (RF) is the lower-risk stock at 1.
10β versus Citizens Financial Group, Inc. 's 1. 33β — meaning CFG is approximately 20% more volatile than RF relative to the S&P 500. On balance sheet safety, Regions Financial Corporation (RF) carries a lower debt/equity ratio of 26% versus 51% for Citizens Financial Group, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — CFG or RF?
By revenue growth (latest reported year), Regions Financial Corporation (RF) is pulling ahead at 2.
5% versus 1. 3% for Citizens Financial Group, Inc. (CFG). On earnings-per-share growth, the picture is similar: Regions Financial Corporation grew EPS 18. 7% year-over-year, compared to -3. 2% for Citizens Financial Group, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — CFG or RF?
Regions Financial Corporation (RF) is the more profitable company, earning 22.
4% net margin versus 12. 2% for Citizens Financial Group, Inc. — meaning it keeps 22. 4% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: RF leads at 28. 5% versus 15. 3% for CFG. At the gross margin level — before operating expenses — RF leads at 74. 6%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is CFG or RF more undervalued right now?
On forward earnings alone, Regions Financial Corporation (RF) trades at 10.
8x forward P/E versus 12. 7x for Citizens Financial Group, Inc. — 1. 9x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for CFG: 10. 4% to $72. 42.
08Which pays a better dividend — CFG or RF?
All stocks in this comparison pay dividends.
Regions Financial Corporation (RF) offers the highest yield at 3. 7%, versus 2. 6% for Citizens Financial Group, Inc. (CFG).
09Is CFG or RF better for a retirement portfolio?
For long-horizon retirement investors, Regions Financial Corporation (RF) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1.
10), 3. 7% yield, +284. 7% 10Y return). Both have compounded well over 10 years (RF: +284. 7%, CFG: +260. 3%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between CFG and RF?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: CFG is a mid-cap quality compounder stock; RF is a mid-cap deep-value stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
Find Stocks Like These
Explore pre-built screens for each stock's profile, or build a custom screen to find stocks that outperform both.
Revenue Growth>
%
(CFG: 1.3% · RF: 2.5%)Net Margin>
%
(CFG: 12.2% · RF: 22.4%)P/E Ratio<
x
(CFG: 21.7x · RF: 12.3x)You Might Also Compare
Based on how these companies actually compete and overlap — not just which sector they're filed under.