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CFG vs PNC
Which Stock Would AI Choose? Citizens Financial Group (CFG) vs. PNC Financial Services Group (PNC) Stock Comparison
Key Takeaways
- Both CFG and PNC delivered strong Q1 2026 earnings, with revenue growth exceeding 12% year-over-year and positive EPS surprises.
- CFG boasts a higher year-to-date return of 13.4% compared to PNC's 10.4%, reflecting stronger recent momentum in regional banking peers.
- PNC, the larger bank by market cap at $91.6 billion versus CFG's $28 billion, benefits from loan growth via its recent FirstBank acquisition and raised 2026 guidance.
- Dividend yields are competitive, with PNC at 3.0% edging out CFG's 2.8%, appealing to income-focused investors.
- Trailing P/E ratios favor PNC at 13.2 versus CFG's 15.6, suggesting relative value in the larger peer.
- Recent market activity highlights sensitivity to interest rates and credit quality for both, with CFG showing quarterly revenue growth of 13.8% matching PNC.
Introduction
This stock comparison pits CFG against PNC, two prominent players in regional banking amid evolving interest rate dynamics and economic shifts. Investors eyeing financial sector exposure—particularly those balancing growth potential with dividend stability—may find value in assessing their relative performance. Recent quarters have seen both banks navigate net interest income (NII, revenue from loans minus deposit costs) pressures while capitalizing on loan demand. Traders focused on momentum or value metrics can use this analysis to gauge positioning in a sector sensitive to Federal Reserve policies and credit trends. Understanding contrasts in scale, growth drivers, and market sentiment aids informed relative performance decisions.
CFG Overview and Recent Performance
Citizens Financial Group (CFG) operates as a regional bank primarily in the Northeast and Midwest, offering consumer banking, commercial lending, and wealth management services. With a market cap of approximately $28 billion, it maintains a diversified deposit base and focuses on relationship banking. In recent market activity, CFG shares have climbed within a 52-week range of $34.92 to $68.79, posting a year-to-date gain of 13.4%. Q1 2026 results highlighted revenue of $2.17 billion, up 12% year-over-year, and normalized EPS of $1.13, a 47% increase, driven by NII expansion and fee income growth. Sentiment has been buoyed by earnings beats, though shares dipped post-release amid broader sector volatility. Key influences include deposit growth and controlled expenses, positioning CFG favorably against regional peers.
PNC Overview and Recent Performance
PNC Financial Services Group (PNC) is a larger diversified bank with $91.6 billion market cap, providing retail banking, corporate financial services, and asset management across the U.S. It emphasizes small business lending and has expanded via acquisitions. Shares trade in a 52-week range of $151.10 to $243.94, with year-to-date returns at 10.4%. Recent Q1 2026 earnings featured revenue near $6.19 billion, up 13% year-over-year, fueled by loan and deposit expansion from the FirstBank deal; adjusted EPS beat estimates. The bank raised full-year guidance for loans and NII, enhancing outlook despite integration costs. Performance reflects resilience in a high-rate environment, with positive sentiment tied to strategic growth and stable deposits.
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Head-to-Head Comparison
In business models, both emphasize regional banking but PNC offers broader scale with asset management and corporate services, yielding higher ROE (12.1% vs. CFG's 7.7%) and profit margins (31% vs. 25%). Growth drivers differ: PNC leverages M&A (mergers and acquisitions) like FirstBank for loan expansion, while CFG focuses on organic NII and fees. Recent momentum favors CFG with superior YTD gains, though PNC provides lower beta (0.96 vs. 1.06) for stability. Risk factors include interest rate sensitivity and credit quality (non-performing loans, NCO), with both showing quarterly revenue growth of 13.8%. Market sentiment tilts toward PNC's size amid economic uncertainty, trading at a discount on P/E, but CFG appeals for value via lower price/book (1.16 vs. 1.43).
Tickeron AI Verdict
Tickeron's AI models currently lean toward CFG with moderate conviction, citing consistent trend strength, higher YTD relative performance, and earnings catalysts in recent weeks. While PNC excels in scale and guidance upgrades, CFG's momentum and valuation position it probabilistically better for near-term outperformance in a regional bank rotation.
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 StrongBuy and PNC 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 1 FA rating(s) are green whilePNC’s FA Score has 2 green FA rating(s).
- CFG’s FA Score: 1 green, 4 red.
- PNC’s FA Score: 2 green, 3 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 PNC’s TA Score has 4 bullish TA indicator(s).
- CFG’s TA Score: 5 bullish, 4 bearish.
- PNC’s TA Score: 4 bullish, 4 bearish.
Price Growth
CFG (@Regional Banks) experienced а +2.76% price change this week, while PNC (@Regional Banks) price change was +3.28% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +0.69%. For the same industry, the average monthly price growth was +0.66%, and the average quarterly price growth was +12.20%.
Reported Earning Dates
CFG is expected to report earnings on Jul 16, 2026.
PNC is expected to report earnings on Jul 15, 2026.
Industries' Descriptions
@Regional Banks (+0.69% 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 | PNC | CFG / PNC | |
| Capitalization | 27.1B | 91.7B | 30% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 11.099 | 11.096 | 100% |
| P/E Ratio | 15.16 | 13.27 | 114% |
| Revenue | 8.48B | 23.8B | 36% |
| Total Cash | 12.7B | 6.78B | 187% |
| Total Debt | 12.3B | 66.7B | 18% |
CFG | PNC | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 50 | 50 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 53 Fair valued | 59 Fair valued | |
PROFIT vs RISK RATING 1..100 | 50 | 60 | |
SMR RATING 1..100 | 9 | 6 | |
PRICE GROWTH RATING 1..100 | 43 | 28 | |
P/E GROWTH RATING 1..100 | 34 | 43 | |
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.
CFG's Valuation (53) in the Regional Banks industry is in the same range as PNC (59) in the Major Banks industry. This means that CFG’s stock grew similarly to PNC’s over the last 12 months.
CFG's Profit vs Risk Rating (50) in the Regional Banks industry is in the same range as PNC (60) in the Major Banks industry. This means that CFG’s stock grew similarly to PNC’s over the last 12 months.
PNC's SMR Rating (6) in the Major Banks industry is in the same range as CFG (9) in the Regional Banks industry. This means that PNC’s stock grew similarly to CFG’s over the last 12 months.
PNC's Price Growth Rating (28) in the Major Banks industry is in the same range as CFG (43) in the Regional Banks industry. This means that PNC’s stock grew similarly to CFG’s over the last 12 months.
CFG's P/E Growth Rating (34) in the Regional Banks industry is in the same range as PNC (43) in the Major Banks industry. This means that CFG’s stock grew similarly to PNC’s over the last 12 months.
| CFG | PNC | |
|---|---|---|
| RSI ODDS (%) | N/A | N/A |
| Stochastic ODDS (%) | 4 days ago 56% | 4 days ago 64% |
| Momentum ODDS (%) | 4 days ago 70% | 4 days ago 65% |
| MACD ODDS (%) | 4 days ago 63% | 4 days ago 54% |
| TrendWeek ODDS (%) | 4 days ago 66% | 4 days ago 56% |
| TrendMonth ODDS (%) | 4 days ago 59% | 4 days ago 52% |
| Advances ODDS (%) | 4 days ago 64% | 4 days ago 56% |
| Declines ODDS (%) | 8 days ago 61% | 12 days ago 61% |
| BollingerBands ODDS (%) | 4 days ago 74% | 4 days ago 51% |
| Aroon ODDS (%) | 4 days ago 77% | 4 days ago 61% |
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PNC and
Correlation & Price change
A.I.dvisor indicates that over the last year, PNC has been closely correlated with USB. These tickers have moved in lockstep 87% of the time. This A.I.-generated data suggests there is a high statistical probability that if PNC jumps, then USB could also see price increases.