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Screener Weekly Summary Pricing

Citizens Financial Group, Inc. (CFG) vs First Citizens BancShares, Inc. (FCNCA)

Citizens Financial Group, Inc. and First Citizens BancShares, Inc. are both Banks Regional companies. Citizens Financial Group, Inc. is the larger, with a market value of $28.2B against $22.9B — 1.2× the size. First Citizens BancShares, Inc. trades at the lower P/E: 11.2× against 14.1×. Citizens Financial Group, Inc. grew revenue faster over the last twelve months: 3.04% against −1.26%. Citizens Financial Group, Inc. has the higher net margin (16.0% vs 15.7%) and the lower return on invested capital (6.16% vs 7.30%). Both pay a dividend; Citizens Financial Group, Inc. yields more (5.45% vs 0.35%). Across the 20 metrics below, First Citizens BancShares, Inc. leads on 12 and Citizens Financial Group, Inc. on 8.

Valuation

Metric CFG FCNCA Banks Regional median
P/E 14.09 11.18 12.15
P/S 2.24 1.67 2.37
P/B 1.15 1.20 1.21
Price to free cash flow 13.32 9.64 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.35 2.27 2.27
Earnings yield 7.10% 8.95% 8.11%
Free cash flow yield 7.51% 10.38% 8.98%

Profitability

Metric CFG FCNCA Banks Regional median
Gross margin 70.51% 66.51% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 16.03% 15.69% 18.66%
Free cash flow margin 18.75% 17.31% 21.18%
Return on equity 8.41% 10.92% 10.64%
Return on assets 0.88% 0.97% 1.13%
Return on invested capital 6.16% 7.30% 8.33%

Growth

Metric CFG FCNCA Banks Regional median
Revenue growth (TTM) 3.04% (1.26%) 6.61%
EPS growth (last fiscal year) 27.39% (12.76%) —
Revenue growth, 5-year CAGR 9.45% 49.21% 12.30%
Net income growth, 5-year CAGR 12.18% 35.07% 9.71%

Health

Metric CFG FCNCA Banks Regional median
Debt to equity 0.58 1.46 0.22
Current ratio 0.86 1.00 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CFG FCNCA Banks Regional median
Dividend yield 5.45% 0.35% 3.75%
Payout ratio 0.38 0.00 0.27

Size

Metric CFG FCNCA Banks Regional median
Market cap 28.19b 22.89b 921.07m

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