First Citizens BancShares, Inc. (FCNCA) vs Regions Financial Corporation (RF)

First Citizens BancShares, Inc. and Regions Financial Corporation are both Banks Regional companies. First Citizens BancShares, Inc. and Regions Financial Corporation are of similar size ($23.2B and $22.9B). Regions Financial Corporation trades at the lower P/E: 11.1× against 11.2×. Regions Financial Corporation grew revenue faster over the last twelve months: 0.46% against −1.26%. Regions Financial Corporation has the higher net margin (22.5% vs 15.7%) and the higher return on invested capital (13.1% vs 7.30%). Both pay a dividend; Regions Financial Corporation yields more (5.20% vs 0.35%). Across the 20 metrics below, Regions Financial Corporation leads on 12 and First Citizens BancShares, Inc. on 8.

Valuation

Metric FCNCA RF Banks Regional median
P/E 11.18 11.14 12.15
P/S 1.67 2.47 2.37
P/B 1.20 1.34 1.21
Price to free cash flow 9.64 14.38 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.27 1.91 2.27
Earnings yield 8.95% 8.98% 8.11%
Free cash flow yield 10.38% 6.95% 8.98%

Profitability

Metric FCNCA RF Banks Regional median
Gross margin 66.51% 79.61% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 15.69% 22.47% 18.66%
Free cash flow margin 17.31% 17.14% 21.18%
Return on equity 10.92% 12.33% 10.64%
Return on assets 0.97% 1.34% 1.13%
Return on invested capital 7.30% 13.08% 8.33%

Growth

Metric FCNCA RF Banks Regional median
Revenue growth (TTM) (1.26%) 0.46% 6.61%
EPS growth (last fiscal year) (12.76%) 19.17% —
Revenue growth, 5-year CAGR 49.21% 7.62% 12.30%
Net income growth, 5-year CAGR 35.07% 15.77% 9.71%

Health

Metric FCNCA RF Banks Regional median
Debt to equity 1.46 0.24 0.22
Current ratio 1.00 0.81 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FCNCA RF Banks Regional median
Dividend yield 0.35% 5.20% 3.75%
Payout ratio 0.00 0.34 0.27

Size

Metric FCNCA RF Banks Regional median
Market cap 22.89b 23.22b 921.07m

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