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CFG vs TFC
Which Stock Would AI Choose? Citizens Financial Group (CFG) vs. Truist Financial (TFC) Stock Comparison
Key Takeaways
- CFG has outperformed TFC year-to-date, with gains of approximately 13% compared to TFC's 4%, amid strong regional banking sector momentum.
- Both stocks reported robust Q1 2026 earnings beats, with CFG posting 47% EPS (earnings per share) growth year-over-year and TFC achieving 25% EPS growth.
- TFC offers a higher dividend yield at around 4.1%, appealing to income-focused investors, versus CFG's 2.8%.
- Recent one-month performance shows both up over 11%, reflecting positive sentiment shifts in banking stocks post-earnings.
- CFG trades at a higher P/E (price-to-earnings) ratio of 15.6 versus TFC's 12.6, indicating differing market valuations.
Introduction
This stock comparison examines CFG and TFC, two prominent regional banks navigating the evolving interest rate environment and economic conditions. Investors and traders interested in the financial sector, particularly those seeking exposure to consumer and commercial banking amid shifting net interest margins (NIM, the difference between interest income and expense) and loan growth, will find value here. Recent earnings highlights and relative performance provide insights into stability, growth potential, and market positioning in a competitive landscape.
CFG Overview and Recent Performance
Citizens Financial Group (CFG), headquartered in Providence, Rhode Island, operates as a bank holding company offering retail and commercial banking services across the U.S. through Consumer Banking and Commercial Banking segments. In recent market activity, CFG shares have gained traction, up over 11% in the past month and 13% year-to-date, supported by a 52-week range reflecting resilience from lows around $35 to highs near $69. Key drivers include Q1 2026 results with net income of $517 million (up 39% year-over-year), EPS of $1.13 (up 47%), and revenue of $2.17 billion, fueled by net interest income (NII) growth and NIM expansion to 3.14%. Positive operating leverage of 7.2% and strategic initiatives in private banking have bolstered sentiment, despite broader credit quality concerns in regional banking.
TFC Overview and Recent Performance
Truist Financial (TFC), a major financial services provider focused on the Southeastern and Mid-Atlantic U.S., delivers banking, trust, and wealth management via Consumer and Small Business Banking and Wholesale Banking segments. Shares have risen about 12% over the recent month and 4% year-to-date, within a 52-week range of $36 to $56. Recent performance reflects Q1 2026 earnings with EPS of $1.09 (beating estimates and up 25% year-over-year), revenue of $5.2 billion (up 5%), and net income to common shareholders of $1.38 billion. Growth in fee income, loan portfolios, and disciplined expense management have supported momentum, though tempered by revenue guidance adjustments and sector-wide rate pressures.
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Head-to-Head Comparison
Both CFG and TFC operate regional banking models emphasizing deposits, loans, and fee-based services, but differ geographically—CFG nationwide with Northeast roots versus TFC's Southeast focus—and in scale, with TFC's $63 billion market cap dwarfing CFG's $28 billion. Growth drivers include CFG's private banking push and TFC's non-interest income expansion. Recent momentum favors CFG with superior YTD returns, while TFC provides higher dividend yields and lower P/E for value plays. Risk profiles show TFC's lower beta (0.87 vs. 1.06), suggesting greater stability, amid shared sector risks like credit quality (NCO, net charge-offs) and interest rate sensitivity. Market sentiment leans positive for both post-earnings, with analyst targets implying upside.
Tickeron AI Verdict
Tickeron's AI currently favors CFG over TFC, driven by stronger trend consistency, superior YTD and one-year momentum, and robust Q1 EPS growth with positive operating leverage. While TFC exhibits stability via lower beta and attractive yield, CFG's catalysts position it better for near-term relative outperformance in the regional banking space.
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 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 TFC 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 whileTFC’s FA Score has 3 green FA rating(s).
- CFG’s FA Score: 3 green, 2 red.
- TFC’s FA Score: 3 green, 2 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 TFC’s TA Score has 5 bullish TA indicator(s).
- CFG’s TA Score: 5 bullish, 5 bearish.
- TFC’s TA Score: 5 bullish, 5 bearish.
Price Growth
CFG (@Regional Banks) experienced а +5.74% price change this week, while TFC (@Regional Banks) price change was +5.00% 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.
TFC is expected to report earnings on Jul 16, 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 | TFC | CFG / TFC | |
| Capitalization | 28.6B | 64.4B | 44% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 17.472 | 7.158 | 244% |
| P/E Ratio | 16.03 | 12.79 | 125% |
| Revenue | 8.48B | 20.6B | 41% |
| Total Cash | 12.7B | 4.97B | 256% |
| Total Debt | 12.3B | 69.1B | 18% |
CFG | TFC | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 21 | 31 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 56 Fair valued | 24 Undervalued | |
PROFIT vs RISK RATING 1..100 | 48 | 92 | |
SMR RATING 1..100 | 9 | 7 | |
PRICE GROWTH RATING 1..100 | 12 | 21 | |
P/E GROWTH RATING 1..100 | 32 | 47 | |
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.
TFC's Valuation (24) in the null industry is in the same range as CFG (56) in the Regional Banks industry. This means that TFC’s stock grew similarly to CFG’s over the last 12 months.
CFG's Profit vs Risk Rating (48) in the Regional Banks industry is somewhat better than the same rating for TFC (92) in the null industry. This means that CFG’s stock grew somewhat faster than TFC’s over the last 12 months.
TFC's SMR Rating (7) in the null industry is in the same range as CFG (9) in the Regional Banks industry. This means that TFC’s stock grew similarly to CFG’s over the last 12 months.
CFG's Price Growth Rating (12) in the Regional Banks industry is in the same range as TFC (21) in the null industry. This means that CFG’s stock grew similarly to TFC’s over the last 12 months.
CFG's P/E Growth Rating (32) in the Regional Banks industry is in the same range as TFC (47) in the null industry. This means that CFG’s stock grew similarly to TFC’s over the last 12 months.
| CFG | TFC | |
|---|---|---|
| RSI ODDS (%) | 4 days ago 65% | 4 days ago 57% |
| Stochastic ODDS (%) | 4 days ago 51% | 4 days ago 61% |
| Momentum ODDS (%) | 4 days ago 72% | 4 days ago 70% |
| MACD ODDS (%) | 4 days ago 76% | 4 days ago 76% |
| TrendWeek ODDS (%) | 4 days ago 66% | 4 days ago 60% |
| TrendMonth ODDS (%) | 4 days ago 64% | 4 days ago 55% |
| Advances ODDS (%) | 4 days ago 64% | 4 days ago 62% |
| Declines ODDS (%) | 15 days ago 61% | 19 days ago 63% |
| BollingerBands ODDS (%) | 4 days ago 48% | 4 days ago 59% |
| Aroon ODDS (%) | 4 days ago 74% | 4 days ago 56% |
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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.