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Citizens Financial Group, Inc. (CFG) vs Regions Financial Corporation (RF)

Citizens Financial Group, Inc. and Regions Financial Corporation are both Banks Regional companies. Citizens Financial Group, Inc. is the larger, with a market value of $26.7B against $23.3B — 1.1× the size. Regions Financial Corporation trades at the lower P/E: 11.1× against 13.6×. Citizens Financial Group, Inc. grew revenue faster over the last twelve months: 3.04% against 0.46%. Regions Financial Corporation has the higher net margin (22.5% vs 16.0%) and the higher return on invested capital (13.1% vs 6.16%). Both pay a dividend; Regions Financial Corporation yields more (3.99% vs 2.90%). Across the 19 metrics below, Regions Financial Corporation leads on 10 and Citizens Financial Group, Inc. on 9.

Valuation

Metric CFG RF Banks Regional median
P/E 13.63 11.07 11.98
P/S 2.17 2.45 2.34
P/B 1.11 1.34 1.19
Price to free cash flow 12.88 14.29 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.34% 9.03% 8.23%
Free cash flow yield 7.76% 7.00% 9.08%

Profitability

Metric CFG RF Banks Regional median
Gross margin 70.51% 79.61% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 16.03% 22.47% 18.66%
Free cash flow margin 18.75% 17.14% 21.11%
Return on equity 8.41% 12.33% 10.65%
Return on assets 0.88% 1.34% 1.13%
Return on invested capital 6.16% 13.08% 8.35%

Growth

Metric CFG RF Banks Regional median
Revenue growth (TTM) 3.04% 0.46% 6.98%
EPS growth (last fiscal year) 27.39% 19.17% 18.88%
Revenue growth, 5-year CAGR 9.45% 7.62% 12.38%
Net income growth, 5-year CAGR 12.18% 15.77% 9.71%

Health

Metric CFG RF Banks Regional median
Debt to equity 0.58 0.24 0.22
Current ratio 0.86 0.81 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CFG RF Banks Regional median
Dividend yield 2.90% 3.99% 2.57%
Payout ratio 0.40 0.45 0.30

Size

Metric CFG RF Banks Regional median
Market cap 26.72b 23.27b 913.33m

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