CFG vs FNMA vs FCNCA Stock Comparison

Citizens Financial, Federal National Mortgage Association Fannie Mae and First Citizens Bancshares Prices as of Nov 6, 2026 Peers: Industry group

Head to Head

11 decided of 12

Citizens Financial leads on 6 of the 12 questions below (Citizens Financial 6, Federal National Mortgage Association Fannie Mae 3, First Citizens Bancshares 2). Which ones matter depends on what you are buying for; a cheap multiple and slow growth often come together.

QuestionCFGFNMAFCNCALeader
Larger companyMarket capitalisation $26.67B $26.05B $26.23B CFG
Cheaper on earningsLower P/E, profitable companies only 12.5x 20.8x 11.6x FCNCA
Cheaper on forward earningsLower price / next fiscal year consensus EPS 11.8x 1.5x 11.4x FNMA
Faster revenue growthRevenue growth, trailing twelve months +10.6% -0.1% +0.9% CFG
More profitableNet margin, trailing twelve months 23.8% 4.2% 23.6% CFG
Better return on capitalReturn on invested capital 12.0% 2.9% 10.8% CFG
Less leveragedLower net debt / EBITDA 2.6x — 3.7x CFG
Higher dividend yieldTrailing dividend yield 0.03% 0.00% 0.00% –
Better 1-year returnPrice return, last 12 months +24.2% -59.4% +26.3% FCNCA
Better 5-year returnAnnualised price return, 5 years +5.8%/yr +34.9%/yr +21.7%/yr FNMA
Less volatileAnnualised volatility, 1 year 25.8% 88.4% 27.2% CFG
Higher overall scoreMean of the five percentile scores vs peers 23/100 56/100 34/100 FNMA

Percentile Scorecard

CFGFNMAFCNCA

Each axis is the mean percentile of its metrics against the company's industry group. 100 is the best in the group, 50 the middle.

Scores by Axis

AxisCFGFNMAFCNCA
Valuation 21 #285 of 360 71 #49 of 168 37 #229 of 360
Growth 13 #301 of 344 88 #21 of 163 10 #311 of 344
Profitability 14 #297 of 345 59 #64 of 154 37 #219 of 345
Financial Health 19 #274 of 339 6 #152 of 161 6 #320 of 339
Shareholder Returns 48 #183 of 352 – 81 #68 of 352
Overall 23 56 34
  • CFG ranked among 368 companies in Banking
  • FNMA ranked among 173 companies in Lending and Credit
  • FCNCA ranked among 368 companies in Banking

Price Performance

Price return, split-adjusted, before dividends. Click a name to hide or show it.

Returns

PeriodCFGFNMAFCNCASPY
1 month +0.3%+11.7%+9.8% -5.4%
3 months -13.0%-25.9%+2.5% -4.9%
6 months -0.8%-43.1%+16.5% -0.3%
Year to date +8.3%-58.3%+5.9% +7.8%
1 year +24.2%-59.4%+26.3% +9.7%
3 years +145.0%+496.0%+61.4% +68.3%
3 years, per year +34.8%+81.4%+17.3% +19.0%
5 years +32.3%+347.0%+167.1% +57.0%
5 years, per year +5.8%+34.9%+21.7% +9.4%
10 years +139.5%+164.5%+700.7% +252.6%
10 years, per year +9.1%+10.2%+23.1% +13.4%

Risk

MeasureCFGFNMAFCNCASPY
Volatility, 1Y 25.8%88.4%27.2% 13.6%
Downside volatility, 1Y 26.2%78.1%27.7% 14.2%
Beta vs S&P 500, 1Y 0.881.400.41 1.00
Return / volatility, 1Y 0.94-0.670.97 0.72
Max drawdown, 5Y -59.4%-78.7%-43.8% -25.4%
From 52-week high -15.4%-62.6%-4.6% -5.6%
52-week high $74.73$11.95$2,382.50 $779.14
52-week low $49.71$3.26$1,766.01 $631.97

Valuation History

Weekly multiples on trailing twelve-month fundamentals. Negative or extreme readings (a loss year, a collapsed denominator) are left out so the chart stays readable.

MultipleCFGFNMAFCNCA
P/E now vs peer median 12.6xmedian 12.3x 19.8xmedian 11.9x 11.7xmedian 12.3x
P/S now vs peer median 3.0xmedian 3.4x 0.8xmedian 2.7x 2.5xmedian 3.4x
EV/EBITDA now vs peer median 6.4xmedian 5.0x —median 12.1x 6.5xmedian 5.0x
P/FCF now vs peer median 24.6xmedian 10.6x 0.8xmedian 5.4x 14.9xmedian 10.6x
P/B now vs peer median 1.1xmedian 1.2x 0.2xmedian 0.7x 1.1xmedian 1.2x
PEG now vs peer median 1.97median 1.29 0.04median 0.34 -0.33median 1.29

Financial History

Reported figures by fiscal period, placed on the calendar year (or quarter) each period ended in, so companies with different fiscal years line up.

Trailing twelve monthsCFGFNMAFCNCA
Revenue $8.93B $30.12B $9.62B
Net income $2.27B $15.41B $2.35B
Free cash flow $1.09B $32.60B $1.61B
EPS (diluted) $4.99 $0.21 $196.61
Total debt $17.83B $4.17T $32.19B
Shares (diluted) 425.66M 5.89B 11.54M
Enterprise value $26.67B $26.05B $25.71B

All Metrics

58 metrics · best in bold

Bold marks the best reading: the lowest positive value for multiples, leverage and payout, the highest for everything else. The bar under each value is its percentile against that company's own peers. Hover a value for its rank and the peer median.

Valuation

12 metrics
MetricCFGFNMAFCNCA
P/E 12.6x 19.8x 11.7x
P/FCF 24.6x 0.8x 14.9x
P/Operating cash flow 21.3x 0.8x 7.5x
P/S 3.0x 0.8x 2.5x
P/B 1.1x 0.2x 1.1x
P/Tangible book 1.1x 0.2x 1.1x
EV/EBITDA 6.4x – 6.5x
EV/EBIT 6.9x 27.5x 7.0x
EV/Revenue 5.0x 139.2x 5.8x
EV/FCF 40.9x 128.6x 34.8x
EV/Operating cash flow 35.5x 128.6x 17.6x
PEG (3Y EPS CAGR) 1.97 0.04 -0.33

Growth

14 metrics
MetricCFGFNMAFCNCA
Revenue growth (1Y) 10.6% -0.1% 0.9%
Revenue CAGR (3Y) 1.9% 0.4% -15.9%
Gross profit growth (1Y) – – –
Gross profit CAGR (3Y) – – –
Operating income growth (1Y) – – –
Operating income CAGR (3Y) – – –
Net income growth (1Y) 33.1% 2.9% -1.8%
Net income CAGR (3Y) 3.1% 1.1% -39.8%
EPS growth (1Y) 38.9% 10,350% 11.3%
EPS CAGR (3Y) 6.4% 493.4% -35.6%
Operating cash flow growth (1Y) -55.9% 480.8% 3.7%
Operating cash flow CAGR (3Y) -30.4% 17.2% 14.6%
Free cash flow growth (1Y) -59.8% 480.8% 4.3%
Free cash flow CAGR (3Y) -32.9% 17.2% 23.6%

Profitability

14 metrics
MetricCFGFNMAFCNCA
Gross margin – – –
EBITDA margin 77.7% – 88.9%
Operating margin – – –
Pretax margin 32.3% 63.7% 32.8%
Net margin 23.8% 4.2% 23.6%
FCF margin 12.2% 108.2% 16.7%
Operating cash flow margin 14.1% 108.2% 33.1%
Return on equity 8.8% 13.0% 10.7%
Return on assets 1.0% 0.4% 1.0%
Return on invested capital 12.0% 2.9% 10.8%
Return on capital employed – – –
Asset turnover 0.0x 0.0x 0.0x
Cash conversion (OCF / net income) 0.6x 2.1x 1.4x
Stock comp / revenue 1.5% – –

Financial Health

11 metrics
MetricCFGFNMAFCNCA
Debt / assets 7.6% 96.6% 13.6%
Debt / equity 0.7x 34.8x 1.5x
Net debt / EBITDA 2.6x – 3.7x
Debt / FCF 16.3x 127.9x 20.0x
Liabilities / assets 89.3% 97.2% 90.8%
Equity / assets 10.7% 2.8% 9.2%
Interest coverage 1.8x 1.1x 1.7x
Current ratio – – –
Quick ratio – – –
Cash ratio – – –
Altman Z-score – – –

Shareholder Returns

7 metrics
MetricCFGFNMAFCNCA
Dividend yield 3.0% – 0.4%
Net buyback yield 4.4% – 12.2%
Shareholder yield 7.4% 0.0% 12.5%
Payout ratio (earnings) 35.0% – –
Payout ratio (FCF) 72.6% – –
Dividend growth (1Y) 6.7% – –
Dividend CAGR (3Y) -1.1% – –

Analyst Estimates

Solid lines are reported fiscal-year results; dashed lines are the consensus for the years ahead. Hover a year for the analysts' high and low, and how each result compared with its estimate.

ConsensusCFGFNMAFCNCA
Forward P/E 11.8xFY2026 1.5xFY2026 11.4xFY2026
EPS, next fiscal year $5.42FY2026 $2.86FY2026 $201.35FY2026
EPS growth, next FY +40.4%FY2026 +17.2%FY2026 +13.2%FY2026
EPS growth, the year after +27.1% -10.5% +0.8%
Revenue, next fiscal year $8.58BFY2026 $31.36BFY2026 $8.57BFY2026
Revenue growth, next FY +4.0%FY2026 +8.3%FY2026 -5.1%FY2026
Revenue growth, the year after +11.5% -8.2% +8.1%
CFG estimates →FNMA estimates →FCNCA estimates →

Institutional Ownership

13F filings, quarter ended Jun 30, 2026
HoldersCFGFNMAFCNCA
Held by institutions 96.7% 0.0% 63.7%
Institutions holding 1,099 25 630
Change in shares held, QoQ +2.9% +58.6% -5.2%
Institutions buying 634 13 260
Institutions selling 315 2 227
Buyers to sellers 2.01 6.50 1.15
CFG holders →FNMA holders →FCNCA holders →

Return Correlation

Daily returns, last 12 months

1.00 means two stocks move in lockstep, 0 that they move independently. Pairs below about 0.5 diversify each other.

CFGFNMAFCNCA
CFG 1.00 0.20 0.64
FNMA 0.20 1.00 0.14
FCNCA 0.64 0.14 1.00

Add a Peer

Largest companies in the same industry
CFG · Regional Banks
+TFCTruist Financial +FITBFifth Third Bancorp +MTBM&T Bank +HBANHuntington Bancshares +RFRegions Financial +KEYKeycorp +EWBCEast West Bancorp +CBSHCommerce Bancshares
Plot all 313 Regional Banks stocks → Plot all 246 Mortgage Lending stocks →

Related Comparisons

CFG vs TFCTruist Financial CFG vs FITBFifth Third Bancorp CFG vs MTBM&T Bank CFG vs HBANHuntington Bancshares

Frequently Asked Questions

Which is bigger, CFG, FNMA and FCNCA?

Citizens Financial (CFG) is the largest by market capitalisation: Citizens Financial (CFG) $26.67B, Federal National Mortgage Association Fannie Mae (FNMA) $26.05B, First Citizens Bancshares (FCNCA) $26.23B.

Which stock is cheaper, CFG, FNMA and FCNCA?

First Citizens Bancshares (FCNCA) trades on the lowest price-to-earnings ratio (Citizens Financial (CFG) 12.5x, Federal National Mortgage Association Fannie Mae (FNMA) 20.8x, First Citizens Bancshares (FCNCA) 11.6x). On next year's consensus earnings, Federal National Mortgage Association Fannie Mae (FNMA) is cheapest (Citizens Financial (CFG) 11.8x, Federal National Mortgage Association Fannie Mae (FNMA) 1.5x, First Citizens Bancshares (FCNCA) 11.4x). A lower multiple can reflect slower expected growth, so read it next to the growth figures.

Which company is growing faster?

Citizens Financial (CFG) grew revenue fastest over the trailing twelve months: Citizens Financial (CFG) +10.6%, Federal National Mortgage Association Fannie Mae (FNMA) -0.1%, First Citizens Bancshares (FCNCA) +0.9%.

Which company is more profitable?

Citizens Financial (CFG) has the highest net margin (Citizens Financial (CFG) 23.8%, Federal National Mortgage Association Fannie Mae (FNMA) 4.2%, First Citizens Bancshares (FCNCA) 23.6%). On return on invested capital, Citizens Financial (CFG) leads (Citizens Financial (CFG) 12.0%, Federal National Mortgage Association Fannie Mae (FNMA) 2.9%, First Citizens Bancshares (FCNCA) 10.8%).

Which stock has performed better?

Over the past year First Citizens Bancshares (FCNCA) returned the most: Citizens Financial (CFG) +24.2%, Federal National Mortgage Association Fannie Mae (FNMA) -59.4%, First Citizens Bancshares (FCNCA) +26.3%. Over five years, Federal National Mortgage Association Fannie Mae (FNMA) compounded fastest (Citizens Financial (CFG) +5.8%/yr, Federal National Mortgage Association Fannie Mae (FNMA) +34.9%/yr, First Citizens Bancshares (FCNCA) +21.7%/yr). Returns are price only, before dividends.

Which pays a higher dividend?

Only one of these companies pays a dividend: Citizens Financial (CFG) 0.03%, Federal National Mortgage Association Fannie Mae (FNMA) 0.00%, First Citizens Bancshares (FCNCA) 0.00%. Federal National Mortgage Association Fannie Mae (FNMA) and First Citizens Bancshares (FCNCA) pays no regular dividend.

Which stock is riskier?

By one-year price volatility, Citizens Financial (CFG) has been the steadiest (Citizens Financial (CFG) 25.8%, Federal National Mortgage Association Fannie Mae (FNMA) 88.4%, First Citizens Bancshares (FCNCA) 27.2%). Volatility measures how widely the price swings, not the risk of the business.

Which is the better stock, CFG, FNMA and FCNCA?

There is no single answer; it depends on what you are buying for. On the 12 head-to-head measures on this page, Citizens Financial (CFG) leads on 6. Business Quant does not give investment advice; use the comparison as a starting point for your own research.

Data from SEC filings, exchange prices and consensus estimates, via Business Quant. Percentile scores compare each company with its own peer group, so two companies' scores are each relative to different peers unless you rank against the whole market. Price returns exclude dividends. Nothing on this page is investment advice.