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CFG vs FNB
Which Stock Would AI Choose? Citizens Financial Group (CFG) vs. F.N.B. Corporation (FNB) Stock Comparison
Key Takeaways
- CFG boasts a larger market capitalization of approximately $28 billion compared to FNB's $6.4 billion, reflecting greater scale in regional banking operations.
- Year-to-date, CFG has delivered stronger returns at 13.4% versus FNB's 5.0%, driven by robust earnings growth.
- Both stocks offer attractive dividend yields around 2.8-2.9%, with FNB recently announcing an 8% increase and a $250 million share buyback program.
- FNB trades at a lower trailing P/E (price-to-earnings) ratio of 11.0 versus CFG's 15.6, suggesting relative value, while FNB shows higher ROE (return on equity) at 8.9%.
- Recent Q1 earnings highlighted growth for both, with CFG posting 47% EPS (earnings per share) growth and FNB emphasizing loan expansion and credit quality.
Introduction
Regional banks like Citizens Financial Group (CFG) and F.N.B. Corporation (FNB) offer investors exposure to community lending, commercial services, and steady dividends amid fluctuating interest rates. This stock comparison analyzes their business models, recent performance, and market positioning to aid traders seeking relative value or momentum plays. With both reporting solid Q1 results in recent weeks, value-oriented investors may eye FNB's cheaper valuation, while growth-focused ones track CFG's upward trajectory. Understanding these dynamics supports informed decisions in the current banking sector environment.
CFG Overview and Recent Performance
Citizens Financial Group, Inc. (CFG) is a major regional bank holding company providing retail and commercial banking, wealth management, and specialized lending across the U.S., operating through Consumer and Commercial Banking segments. In recent market activity, CFG shares have traded near their 52-week high of $68.79, around $65.76, reflecting a year-to-date gain of 13.4%. Key drivers include Q1 2026 earnings that beat estimates, with EPS up 47% year-over-year to $1.13 and revenue at $2.17 billion, fueled by net interest income growth and private banking expansion. Sentiment has shifted positively on strategic initiatives amid economic uncertainty, though higher beta (1.06) signals moderate volatility versus the market.
FNB Overview and Recent Performance
F.N.B. Corporation (FNB) operates as a diversified financial holding company focused on community banking, wealth management, and insurance in the Mid-Atlantic and Southeast U.S., serving consumers, businesses, and governments. Shares recently hovered around $17.83, close to the 52-week high of $19.14, with year-to-date returns of 5.0%. Following Q1 2026 results, which met EPS expectations at $0.38 and delivered $450 million in revenue, the stock benefited from 9.4% revenue growth, strong credit quality, and an 8% dividend hike plus $250 million buyback authorization. Lower beta (0.90) underscores relative stability, supporting positive sentiment on loan growth and digital initiatives.
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Head-to-Head Comparison
Both CFG and FNB thrive in regional banking but differ in scale and focus: CFG emphasizes large commercial lending and national reach, while FNB prioritizes community branches, wealth services, and insurance for smaller markets. Growth drivers contrast with CFG's private banking push versus FNB's loan and digital expansion. Recent momentum favors CFG on higher YTD returns, but FNB offers value via lower P/E and price-to-book (0.93). Risk profiles show FNB's lower beta for stability, while both face sector pressures like interest rates. Market sentiment leans positive post-earnings, with analysts raising targets for both amid buybacks and dividends.
Tickeron AI Verdict
Tickeron’s AI analysis would likely favor CFG in the current environment, given its superior trend consistency, 13% YTD gains, and earnings catalysts like 47% EPS growth, positioning it strongly relative to peers. FNB remains compelling for value seekers with cheaper multiples and stability, but CFG's momentum suggests higher probability of near-term outperformance.
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. Disclaimers and Limitations
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 StrongBuy and FNB is a StrongBuy.
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 undervalued. 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 3 FA rating(s) are green whileFNB’s FA Score has 1 green FA rating(s).
- CFG’s FA Score: 3 green, 2 red.
- FNB’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 5 TA indicator(s) are bullish while FNB’s TA Score has 5 bullish TA indicator(s).
- CFG’s TA Score: 5 bullish, 5 bearish.
- FNB’s TA Score: 5 bullish, 4 bearish.
Price Growth
CFG (@Regional Banks) experienced а +5.74% price change this week, while FNB (@Regional Banks) price change was +5.37% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +3.72%. For the same industry, the average monthly price growth was +7.76%, and the average quarterly price growth was +12.20%.
Reported Earning Dates
CFG is expected to report earnings on Jul 16, 2026.
FNB is expected to report earnings on Jul 22, 2026.
Industries' Descriptions
@Regional Banks (+3.72% 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.
| CFG | FNB | CFG / FNB | |
| Capitalization | 28.6B | 6.64B | 431% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 17.472 | 10.604 | 165% |
| P/E Ratio | 16.03 | 11.51 | 139% |
| Revenue | 8.48B | 1.8B | 470% |
| Total Cash | 12.7B | 452M | 2,810% |
| Total Debt | 12.3B | 3.14B | 392% |
CFG | FNB | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 21 | 30 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 56 Fair valued | 45 Fair valued | |
PROFIT vs RISK RATING 1..100 | 48 | 37 | |
SMR RATING 1..100 | 9 | 20 | |
PRICE GROWTH RATING 1..100 | 12 | 44 | |
P/E GROWTH RATING 1..100 | 32 | 48 | |
SEASONALITY SCORE 1..100 | 50 | 50 |
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.
FNB's Valuation (45) in the Regional Banks industry is in the same range as CFG (56). This means that FNB’s stock grew similarly to CFG’s over the last 12 months.
FNB's Profit vs Risk Rating (37) in the Regional Banks industry is in the same range as CFG (48). This means that FNB’s stock grew similarly to CFG’s over the last 12 months.
CFG's SMR Rating (9) in the Regional Banks industry is in the same range as FNB (20). This means that CFG’s stock grew similarly to FNB’s over the last 12 months.
CFG's Price Growth Rating (12) in the Regional Banks industry is in the same range as FNB (44). This means that CFG’s stock grew similarly to FNB’s over the last 12 months.
CFG's P/E Growth Rating (32) in the Regional Banks industry is in the same range as FNB (48). This means that CFG’s stock grew similarly to FNB’s over the last 12 months.
| CFG | FNB | |
|---|---|---|
| RSI ODDS (%) | 4 days ago 65% | 4 days ago 52% |
| Stochastic ODDS (%) | 4 days ago 51% | 4 days ago 52% |
| Momentum ODDS (%) | 4 days ago 72% | 4 days ago 62% |
| MACD ODDS (%) | 4 days ago 76% | 4 days ago 71% |
| TrendWeek ODDS (%) | 4 days ago 66% | 4 days ago 57% |
| TrendMonth ODDS (%) | 4 days ago 64% | 4 days ago 51% |
| Advances ODDS (%) | 4 days ago 64% | 4 days ago 55% |
| Declines ODDS (%) | 15 days ago 61% | 15 days ago 57% |
| BollingerBands ODDS (%) | 4 days ago 48% | 4 days ago 73% |
| Aroon ODDS (%) | 4 days ago 74% | 4 days ago 60% |
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CFG and
Correlation & Price change
A.I.dvisor indicates that over the last year, CFG has been closely correlated with KEY. These tickers have moved in lockstep 90% of the time. This A.I.-generated data suggests there is a high statistical probability that if CFG jumps, then KEY could also see price increases.