FBP
First BanCorp.
Banks - Regional
Market Cap$3.78B
5Y Perf.+343.9%
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Stock Comparison
FBP vs CFG
Revenue, margins, valuation, and 5-year total return — side by side.
CFG
Citizens Financial Group, Inc.
Banks - Regional
Market Cap$28.31B
5Y Perf.+172.3%
FBP vs CFG — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | FBP | CFG |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $3.78B | $28.31B |
| Revenue (TTM) | $1.26B | $12.35B |
| Net Income (TTM) | $345M | $1.70B |
| Gross Margin | 72.9% | 57.6% |
| Operating Margin | 33.2% | 15.3% |
| Forward P/E | 11.0x | 12.7x |
| Total Debt | $364M | $12.40B |
| Cash & Equiv. | $657M | $11.24B |
FBP vs CFG — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
FBP
CFG
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| First BanCorp. (FBP) | 100 | 443.9 | +343.9% |
| Citizens Financial … (CFG) | 100 | 272.3 | +172.3% |
Price return only. Dividends and distributions are not included.
Quick Verdict: FBP vs CFG
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: FBP leads in 6 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 recent price momentum and sentiment. As sector peers, any of these can serve as alternatives in the same allocation.
FBP
First BanCorp.
The Banking Pick
FBP carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 9 yrs, beta 0.79, yield 3.0%
- Rev growth 5.3%, EPS growth 18.8%
- 6.4% 10Y total return vs CFG's 260.3%
Best for: income & stability and growth exposure
CFG
Citizens Financial Group, Inc.
The Banking Pick
CFG is the clearest fit if your priority is momentum.
- +76.5% vs FBP's +25.0%
Best for: momentum
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | FBP | 5.3% NII/revenue growth vs CFG's 1.3% |
| Value | FBP | Lower P/E (11.0x vs 12.7x) |
| Quality / Margins | FBP | Efficiency ratio 0.4% vs CFG's 0.4% (lower = leaner) |
| Stability / Safety | FBP | Beta 0.79 vs CFG's 1.33, lower leverage |
| Dividends | FBP | 3.0% yield, 9-year raise streak, vs CFG's 2.6% |
| Momentum (1Y) | CFG | +76.5% vs FBP's +25.0% |
| Efficiency (ROA) | FBP | Efficiency ratio 0.4% vs CFG's 0.4% |
FBP vs CFG — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2024
FBP vs CFG — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLFBPLAGGINGCFG
CFGCitizens Financial Gr…
0leads
FBPFirst BanCorp.
5leads
6 Total Categories
CATEGORYLEADERvs CFGMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
FBP4/5
Valuation MetricsMultiples, price ratios, and targets
FBP4/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
FBP8/9
Total Returns1Y, 3Y, 5Y total returns with dividends
Tied
—
Risk & VolatilityBeta, volatility, and downside exposure
FBP2/2
Analyst OutlookRatings, price targets, and dividends
FBP2/2
Income & Cash Flow (Last 12 Months)
FBP leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
CFG is the larger business by revenue, generating $12.3B annually — 9.8x FBP's $1.3B. FBP is the more profitable business, keeping 27.4% of every revenue dollar as net income compared to CFG's 12.2%.
| Metric | FBPFirst BanCorp. | CFGCitizens Financia… |
|---|---|---|
| RevenueTrailing 12 months | $1.3B | $12.3B |
| EBITDAEarnings before interest/tax | $433M | $2.6B |
| Net IncomeAfter-tax profit | $345M | $1.7B |
| Free Cash FlowCash after capex | $440M | $2.7B |
| Gross MarginGross profit ÷ Revenue | +72.9% | +57.6% |
| Operating MarginEBIT ÷ Revenue | +33.2% | +15.3% |
| Net MarginNet income ÷ Revenue | +27.4% | +12.2% |
| FCF MarginFCF ÷ Revenue | +34.5% | +15.2% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +19.6% | +38.2% |
FBP leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
FBP leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
At 11.3x trailing earnings, FBP trades at a 48% valuation discount to CFG's 21.7x P/E. On an enterprise value basis, FBP's 8.4x EV/EBITDA is more attractive than CFG's 12.4x.
| Metric | FBPFirst BanCorp. | CFGCitizens Financia… |
|---|---|---|
| Market CapShares × price | $3.8B | $28.3B |
| Enterprise ValueMkt cap + debt − cash | $3.5B | $29.5B |
| Trailing P/EPrice ÷ TTM EPS | 11.29x | 21.66x |
| Forward P/EPrice ÷ next-FY EPS est. | 10.97x | 12.66x |
| PEG RatioP/E ÷ EPS growth rate | 0.31x | — |
| EV / EBITDAEnterprise value multiple | 8.37x | 12.35x |
| Price / SalesMarket cap ÷ Revenue | 3.01x | 2.29x |
| Price / BookPrice ÷ Book value/share | 1.98x | 1.23x |
| Price / FCFMarket cap ÷ FCF | 8.71x | 15.07x |
FBP leads this category, winning 4 of 6 comparable metrics.
Profitability & Efficiency
FBP leads this category, winning 8 of 9 comparable metrics.
Profitability & Efficiency
FBP delivers a 18.4% return on equity — every $100 of shareholder capital generates $18 in annual profit, vs $7 for CFG. FBP carries lower financial leverage with a 0.19x debt-to-equity ratio, signaling a more conservative balance sheet compared to CFG's 0.51x. On the Piotroski fundamental quality scale (0–9), FBP scores 9/9 vs CFG's 7/9, reflecting strong financial health.
| Metric | FBPFirst BanCorp. | CFGCitizens Financia… |
|---|---|---|
| ROE (TTM)Return on equity | +18.4% | +6.6% |
| ROA (TTM)Return on assets | +1.8% | +0.8% |
| ROICReturn on invested capital | +13.7% | +3.8% |
| ROCEReturn on capital employed | +3.9% | +4.4% |
| Piotroski ScoreFundamental quality 0–9 | 9 | 7 |
| Debt / EquityFinancial leverage | 0.19x | 0.51x |
| Net DebtTotal debt minus cash | -$293M | $1.2B |
| Cash & Equiv.Liquid assets | $657M | $11.2B |
| Total DebtShort + long-term debt | $364M | $12.4B |
| Interest CoverageEBIT ÷ Interest expense | 1.64x | 0.55x |
FBP leads this category, winning 8 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
Evenly matched — FBP and CFG each lead in 3 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in FBP five years ago would be worth $20,624 today (with dividends reinvested), compared to $15,060 for CFG. Over the past 12 months, CFG leads with a +76.5% total return vs FBP's +25.0%. The 3-year compound annual growth rate (CAGR) favors CFG at 40.1% vs FBP's 33.8% — a key indicator of consistent wealth creation.
| Metric | FBPFirst BanCorp. | CFGCitizens Financia… |
|---|---|---|
| YTD ReturnYear-to-date | +17.1% | +12.0% |
| 1-Year ReturnPast 12 months | +25.0% | +76.5% |
| 3-Year ReturnCumulative with dividends | +139.6% | +174.8% |
| 5-Year ReturnCumulative with dividends | +106.2% | +50.6% |
| 10-Year ReturnCumulative with dividends | +640.3% | +260.3% |
| CAGR (3Y)Annualised 3-year return | +33.8% | +40.1% |
Evenly matched — FBP and CFG each lead in 3 of 6 comparable metrics.
Risk & Volatility
FBP leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
FBP is the less volatile stock with a 0.79 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. FBP currently trades 98.8% from its 52-week high vs CFG's 95.4% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | FBPFirst BanCorp. | CFGCitizens Financia… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.79x | 1.33x |
| 52-Week HighHighest price in past year | $24.57 | $68.79 |
| 52-Week LowLowest price in past year | $19.16 | $37.93 |
| % of 52W HighCurrent price vs 52-week peak | +98.8% | +95.4% |
| RSI (14)Momentum oscillator 0–100 | 61.4 | 54.7 |
| Avg Volume (50D)Average daily shares traded | 1.4M | 4.6M |
FBP leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
FBP leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates FBP as "Buy" and CFG as "Buy". Consensus price targets imply 10.4% upside for CFG (target: $72) vs 5.0% for FBP (target: $26). For income investors, FBP offers the higher dividend yield at 2.96% vs CFG's 2.58%.
| Metric | FBPFirst BanCorp. | CFGCitizens Financia… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $25.50 | $72.42 |
| # AnalystsCovering analysts | 16 | 38 |
| Dividend YieldAnnual dividend ÷ price | +3.0% | +2.6% |
| Dividend StreakConsecutive years of raises | 9 | 3 |
| Dividend / ShareAnnual DPS | $0.72 | $1.70 |
| Buyback YieldShare repurchases ÷ mkt cap | +4.1% | +4.8% |
FBP leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
FBP leads in 5 of 6 categories — strongest in Income & Cash Flow and Valuation Metrics. 1 category is tied.
Best OverallFirst BanCorp. (FBP)Leads 5 of 6 categories
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FBP vs CFG: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is FBP or CFG a better buy right now?
For growth investors, First BanCorp.
(FBP) is the stronger pick with 5. 3% revenue growth year-over-year, versus 1. 3% for Citizens Financial Group, Inc. (CFG). First BanCorp. (FBP) offers the better valuation at 11. 3x trailing P/E (11. 0x forward), making it the more compelling value choice. Analysts rate First BanCorp. (FBP) a "Buy" — based on 16 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 — FBP or CFG?
On trailing P/E, First BanCorp.
(FBP) is the cheapest at 11. 3x versus Citizens Financial Group, Inc. at 21. 7x. On forward P/E, First BanCorp. is actually cheaper at 11. 0x.
03Which is the better long-term investment — FBP or CFG?
Over the past 5 years, First BanCorp.
(FBP) delivered a total return of +106. 2%, compared to +50. 6% for Citizens Financial Group, Inc. (CFG). Over 10 years, the gap is even starker: FBP returned +640. 3% 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 — FBP or CFG?
By beta (market sensitivity over 5 years), First BanCorp.
(FBP) is the lower-risk stock at 0. 79β versus Citizens Financial Group, Inc. 's 1. 33β — meaning CFG is approximately 67% more volatile than FBP relative to the S&P 500. On balance sheet safety, First BanCorp. (FBP) carries a lower debt/equity ratio of 19% versus 51% for Citizens Financial Group, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — FBP or CFG?
By revenue growth (latest reported year), First BanCorp.
(FBP) is pulling ahead at 5. 3% versus 1. 3% for Citizens Financial Group, Inc. (CFG). On earnings-per-share growth, the picture is similar: First BanCorp. grew EPS 18. 8% 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 — FBP or CFG?
First BanCorp.
(FBP) is the more profitable company, earning 27. 4% net margin versus 12. 2% for Citizens Financial Group, Inc. — meaning it keeps 27. 4% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: FBP leads at 33. 2% versus 15. 3% for CFG. At the gross margin level — before operating expenses — FBP leads at 72. 9%, 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 FBP or CFG more undervalued right now?
On forward earnings alone, First BanCorp.
(FBP) trades at 11. 0x forward P/E versus 12. 7x for Citizens Financial Group, Inc. — 1. 7x 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 — FBP or CFG?
All stocks in this comparison pay dividends.
First BanCorp. (FBP) offers the highest yield at 3. 0%, versus 2. 6% for Citizens Financial Group, Inc. (CFG).
09Is FBP or CFG better for a retirement portfolio?
For long-horizon retirement investors, First BanCorp.
(FBP) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 79), 3. 0% yield, +640. 3% 10Y return). Both have compounded well over 10 years (FBP: +640. 3%, 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 FBP and CFG?
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: FBP is a small-cap deep-value stock; CFG is a mid-cap quality compounder 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.
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Revenue Growth>
%
(FBP: 5.3% · CFG: 1.3%)Net Margin>
%
(FBP: 27.4% · CFG: 12.2%)P/E Ratio<
x
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