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CFG vs FHN
Which Stock Would AI Choose? Citizens Financial Group (CFG) vs. First Horizon Corporation (FHN) Stock Comparison
Key Takeaways
- Citizens Financial Group (CFG) is a larger super-regional bank with roughly $184 billion in deposits, while First Horizon Corporation (FHN) is a mid-sized regional lender with about $84 billion in assets.
- Both companies delivered year-over-year earnings growth in recent quarters, though CFG posted stronger one-year share-price momentum than FHN.
- CFG has benefited from net interest income (NII) growth, an upgraded credit rating, and expansion of its Private Bank, while FHN has focused on profitability and balance-sheet discipline.
- Investor sentiment toward FHN has been more cautious amid broader regional-bank concerns, even as its return on tangible common equity (ROTCE) has held above 15%.
- Both names carry sensitivity to interest-rate policy, credit quality, and deposit costs, making this a useful comparison of scale, momentum, and market positioning.
Introduction
Regional banks remain a focal point for investors tracking how lenders navigate interest-rate shifts, deposit competition, and credit trends. This stock comparison examines CFG and FHN, two established U.S. banking franchises with different footprints and scale. Citizens Financial Group is a large super-regional institution concentrated in the Northeast and expanding in select growth markets, while First Horizon Corporation is a mid-sized regional bank rooted in the Southeast. For traders and investors evaluating relative performance, market positioning, and momentum within the banking sector, contrasting these two names offers insight into how size, geography, and execution shape risk and reward.
CFG Overview and Recent Performance
CFG, or Citizens Financial Group, operates a diversified commercial and consumer banking franchise headquartered in Providence, Rhode Island. Its business spans consumer banking, commercial banking, wealth management, and a growing capital markets platform. In recent weeks, the stock has demonstrated solid momentum, gaining roughly 22% over the past year and outpacing the broader banking industry average over that window.
Performance has been supported by rising net interest income (NII), which measures the difference between interest earned on loans and interest paid on deposits. Citizens reported first-quarter 2026 earnings per share (EPS) of $1.13, up 47% year over year, with NII rising 12%. Fee income from capital markets and wealth management also advanced, while credit quality improved. In September 2026, Fitch Ratings upgraded the company's long-term issuer rating to "A-," citing earnings power, a diversified model, and a strong deposit franchise. Management has also pointed to continued expansion of its Private Bank as a driver of higher-returning growth, reinforcing a constructive earnings narrative.
FHN Overview and Recent Performance
FHN, or First Horizon Corporation, is a Memphis, Tennessee-based regional financial services company with a footprint concentrated across the Southeast. It serves commercial, retail, and wealth clients, supplemented by specialty businesses such as fixed income and mortgage banking. In recent market activity, FHN has delivered more modest relative performance, gaining about 9% over the past year while trailing several regional-bank peers.
Fundamentals, however, have shown resilience. First Horizon reported first-quarter 2026 net income available to common shareholders of $257 million, up 21% year over year, with EPS of $0.53. Its adjusted return on tangible common equity (ROTCE) — a measure of profitability relative to shareholder capital — reached 15.1%, marking a third consecutive quarter above 15%. A net interest margin (NIM) of 3.52% reflects disciplined asset-liability management. Still, shares have faced choppy sentiment tied to regional-bank concerns around deposit costs, loan growth, and the interest-rate outlook, factors that have weighed on the stock even as earnings beat estimates.
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Head-to-Head Comparison
While both are regional banking franchises, the contrast in scale is meaningful. CFG holds a deposit base of roughly $184 billion and is building out wealth, capital markets, and private-banking businesses that diversify revenue beyond lending. FHN, with about $84 billion in assets, operates a more concentrated franchise whose revenue mix leans more heavily on net interest income and specialty fee businesses.
Growth drivers differ as well. Citizens is expanding its Private Bank and capital markets capabilities, while First Horizon is emphasizing relationship-based commercial lending, wealth and treasury management, and cost discipline. On momentum, CFG has shown stronger recent price trends and received a credit-rating upgrade, whereas FHN has delivered consistent profitability but faces more mixed sentiment tied to regional-bank risk. Both carry exposure to interest-rate policy, deposit repricing, and credit quality, but their differing footprints — Northeast-centered versus Southeast-centered — create distinct economic and competitive profiles.
Tickeron AI Verdict
Based on observable factors such as trend consistency, earnings momentum, balance-sheet strength, and relative positioning, Tickeron's AI would likely express a modest preference for CFG in the current environment. The stock's stronger recent price trend, upgraded credit profile, and diversified revenue momentum provide more favorable signals for trend-following models. FHN remains fundamentally sound with durable profitability, but its more muted momentum and heightened regional-bank sensitivity suggest comparatively lower conviction. This assessment reflects probabilistic, data-driven analysis of current conditions rather than a definitive forecast, and relative positioning could shift as market and macroeconomic conditions evolve.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is CFG is a Buy and FHN is a Buy.
Momentum Indicator for CFG turns positive, indicating new upward trend
CFG saw its Momentum Indicator move above the 0 level on November 09, 2026. This is an indication that the stock could be shifting in to a new upward move. Traders may want to consider buying the stock or buying call options. Tickeron's A.I.dvisor looked at 89 similar instances where the indicator turned positive. In 64 of the 89 cases, the stock moved higher in the following days. The odds of a move higher are at 72%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The RSI Oscillator points to a transition from a downward trend to an upward trend -- in cases where CFG's RSI Indicator exited the oversold zone, 15 of 21 resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 71%.
The Stochastic Oscillator demonstrated that the ticker has stayed in the oversold zone for 1 day, which means it's wise to expect a price bounce in the near future.
The Moving Average Convergence Divergence (MACD) for CFG just turned positive on October 09, 2026. Looking at past instances where CFG's MACD turned positive, the stock continued to rise in 26 of 44 cases over the following month. The odds of a continued upward trend are 59%.
Following a +1.59% 3-day Advance, the price is estimated to grow further. Considering data from situations where CFG advanced for three days, in 192 of 296 cases, the price rose further within the following month. The odds of a continued upward trend are 65%.
The Aroon Indicator entered an Uptrend today. In 194 of 322 cases where CFG Aroon's Indicator entered an Uptrend, the price rose further within the following month. The odds of a continued Uptrend are 60%.
Bearish Trend Analysis
CFG moved below its 50-day moving average on November 05, 2026 date and that indicates a change from an upward trend to a downward trend.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where CFG declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 61%.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 6 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Profit vs. Risk Rating rating for this company is 43 (best 1 - 100 worst), indicating well-balanced risk and returns. The average Profit vs. Risk Rating rating for the industry is 56, placing this stock slightly better than average.
The Tickeron Price Growth Rating for this company is 50 (best 1 - 100 worst), indicating fairly steady price growth. CFG’s price grows at a lower rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Seasonality Score of 50 (best 1 - 100 worst) indicates that the company is fair valued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
The Tickeron PE Growth Rating for this company is 55 (best 1 - 100 worst), pointing to average earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Valuation Rating of 59 (best 1 - 100 worst) indicates that the company is fair valued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.106) is normal, around the industry mean (1.262). P/E Ratio (13.600) is within average values for comparable stocks, (13.479). Projected Growth (PEG Ratio) (1.647) is also within normal values, averaging (1.190). Dividend Yield (0.033) settles around the average of (0.035) among similar stocks. P/S Ratio (3.304) is also within normal values, averaging (3.738).
FHN sees its 50-day moving average cross bearishly below its 200-day moving average
The 50-day moving average for FHN moved below the 200-day moving average on October 19, 2026. This could be a long-term bearish signal for the stock as the stock shifts to an downward trend.
Technical Analysis (Indicators)
Bearish Trend Analysis
FHN moved below its 50-day moving average on November 05, 2026 date and that indicates a change from an upward trend to a downward trend.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where FHN declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 53%.
The Aroon Indicator for FHN entered a downward trend on October 26, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Bullish Trend Analysis
The Stochastic Oscillator demonstrated that the ticker has stayed in the oversold zone for 1 day, which means it's wise to expect a price bounce in the near future.
The Momentum Indicator moved above the 0 level on November 09, 2026. You may want to consider a long position or call options on FHN as a result. In 53 of 83 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 64%.
The Moving Average Convergence Divergence (MACD) for FHN just turned positive on October 15, 2026. Looking at past instances where FHN's MACD turned positive, the stock continued to rise in 24 of 48 cases over the following month. The odds of a continued upward trend are 50%.
Following a +2.08% 3-day Advance, the price is estimated to grow further. Considering data from situations where FHN advanced for three days, in 179 of 320 cases, the price rose further within the following month. The odds of a continued upward trend are 56%.
FHN may jump back above the lower band and head toward the middle band. Traders may consider buying the stock or exploring call options.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 9 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Seasonality Score of 34 (best 1 - 100 worst) indicates that the company is fair valued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
The Tickeron Valuation Rating of 38 (best 1 - 100 worst) indicates that the company is fair valued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.286) is normal, around the industry mean (1.262). P/E Ratio (10.971) is within average values for comparable stocks, (13.479). Projected Growth (PEG Ratio) (0.050) is also within normal values, averaging (1.190). Dividend Yield (0.030) settles around the average of (0.035) among similar stocks. P/S Ratio (3.448) is also within normal values, averaging (3.738).
The Tickeron Profit vs. Risk Rating rating for this company is 55 (best 1 - 100 worst), indicating well-balanced risk and returns. The average Profit vs. Risk Rating rating for the industry is 56, placing this stock slightly better than average.
The Tickeron Price Growth Rating for this company is 56 (best 1 - 100 worst), indicating fairly steady price growth. FHN’s price grows at a lower rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron PE Growth Rating for this company is 66 (best 1 - 100 worst), pointing to average earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
CFG | FHN | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 15 | 16 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 59 Fair valued | 38 Fair valued | |
PROFIT vs RISK RATING 1..100 | 43 | 55 | |
SMR RATING 1..100 | 6 | 9 | |
PRICE GROWTH RATING 1..100 | 50 | 56 | |
P/E GROWTH RATING 1..100 | 55 | 66 | |
SEASONALITY SCORE 1..100 | 50 | 34 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
FHN's Valuation (38) in the Regional Banks industry is in the same range as CFG (59). This means that FHN’s stock grew similarly to CFG’s over the last 12 months.
CFG's Profit vs Risk Rating (43) in the Regional Banks industry is in the same range as FHN (55). This means that CFG’s stock grew similarly to FHN’s over the last 12 months.
CFG's SMR Rating (6) in the Regional Banks industry is in the same range as FHN (9). This means that CFG’s stock grew similarly to FHN’s over the last 12 months.
CFG's Price Growth Rating (50) in the Regional Banks industry is in the same range as FHN (56). This means that CFG’s stock grew similarly to FHN’s over the last 12 months.
CFG's P/E Growth Rating (55) in the Regional Banks industry is in the same range as FHN (66). This means that CFG’s stock grew similarly to FHN’s over the last 12 months.
| CFG | FHN | |
|---|---|---|
| RSI ODDS (%) | 1 day ago 71% | N/A |
| Stochastic ODDS (%) | 1 day ago 71% | 1 day ago 71% |
| Momentum ODDS (%) | 1 day ago 72% | 1 day ago 64% |
| MACD ODDS (%) | 1 day ago 59% | 1 day ago 50% |
| TrendWeek ODDS (%) | 1 day ago 67% | 1 day ago 52% |
| TrendMonth ODDS (%) | 1 day ago 64% | 1 day ago 51% |
| Advances ODDS (%) | 19 days ago 65% | 19 days ago 56% |
| Declines ODDS (%) | 4 days ago 61% | 4 days ago 53% |
| BollingerBands ODDS (%) | N/A | 1 day ago 64% |
| Aroon ODDS (%) | 1 day ago 60% | 1 day ago 64% |
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is overvalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
CFG’s FA Score shows that 1 FA rating(s) are green while FHN’s FA Score has 1 green FA rating(s).
- CFG’s FA Score: 1 green, 4 red.
- FHN’s FA Score: 1 green, 4 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
CFG’s TA Score shows that 6 TA indicator(s) are bullish while FHN’s TA Score has 5 bullish TA indicator(s).
- CFG’s TA Score: 6 bullish, 2 bearish.
- FHN’s TA Score: 5 bullish, 4 bearish.
Price Growth
CFG (@Regional Banks) experienced а +0.26% price change this week, while FHN (@Regional Banks) price change was -0.47% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was -0.07%. For the same industry, the average monthly price growth was +3.36%, and the average quarterly price growth was +11.62%.
Reported Earning Dates
CFG is expected to report earnings on Jan 20, 2027.
FHN is expected to report earnings on Jan 21, 2027.
Industries' Descriptions
@Regional Banks (-0.07% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
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CFG and
Correlation & Price change
A.I.dvisor indicates that over the last year, CFG has been closely correlated with RF. These tickers have moved in lockstep 88% of the time. This A.I.-generated data suggests there is a high statistical probability that if CFG jumps, then RF could also see price increases.
| Ticker / NAME | Correlation To CFG | 1D Price Change % | ||
|---|---|---|---|---|
| CFG | 100% | +2.94% | ||
| RF - CFG | 88% Closely correlated | +2.19% | ||
| ZION - CFG | 88% Closely correlated | +2.30% | ||
| USB - CFG | 87% Closely correlated | +2.52% | ||
| FITB - CFG | 87% Closely correlated | +2.49% | ||
| MTB - CFG | 87% Closely correlated | +2.29% | ||
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