COMP <GO>
CFG vs FCNCA // EV/EBITDA & P/E VALUATION
Citizens Financial Group Inc. (NYSE) VS. First Citizens BancShares Inc. (NASDAQ) • 15-METRIC TALLY: CFG 7
— FCNCA 5
▲ EV/EBITDA & P/E VALUATION LEADER: FCNCA
LAST: $64.93 (+1.76%) • MKT CAP: $26.75B
valuation
36.8x
LAST: $2,368.26 (+0.66%) • MKT CAP: $26.57B
valuation
26.2x
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CFG VS. FCNCA)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | CFG | FCNCA | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 2.10% | 2.60% | -0.50 | FCNCA | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | 36.8x | 26.2x | +10.60 | FCNCA | /valuation <GO> |
| Free Cash Flow Yield | 7.75% | 8.22% | -0.47 | FCNCA | /fcf-yield <GO> |
| Operating Margin | 75.00% | 28.20% | +46.80 | CFG | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 23.10% | +44.90 | CFG | /net-margins <GO> |
| Revenue Growth (YoY) | 6.70% | -2.20% | +8.90 | CFG | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.74% | 0.60% | +2.14 | CFG | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 6/9 | +2.00 | CFG | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 43.7 | 65.3 | -21.60 | FCNCA | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.10 | 1.09 | +0.01 | CFG | /macro-sensitivity <GO> |
| Forward P/E Multiple | 14.0x | 11.3x | +2.70 | FCNCA | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $26.75B | $26.57B | $180.2M | CFG | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | CFG REV | FCNCA REV | CFG GROSS % | FCNCA GROSS % | CFG FCF | FCNCA FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.64B | $9.54B | — | — | $2.14B | $2.21B |
| FY 2024 | $1.53B | $9.76B | — | — | $1.93B | $2.56B |
| FY 2023 | $1.27B | $18.79B | — | — | $2.90B | $1.81B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
CFG // BETA 1.10
FCNCA // BETA 1.09