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CFG vs ZION
Which Stock Would AI Choose? Citizens Financial Group, Inc. (CFG) vs. Zions Bancorporation, National Association (ZION) Stock Comparison
Key Takeaways
- Citizens Financial Group, Inc. (CFG) and Zions Bancorporation, National Association (ZION) are both regional banks with similar recent stock prices near $72 but differing market capitalizations and profitability profiles.
- CFG reported a Q2 2026 earnings beat with EPS of $1.30, while ZION is scheduled to release its Q2 results on July 20, 2026, with analysts expecting $1.57 per share.
- CFG offers broader geographic reach and higher revenue scale, whereas ZION demonstrates stronger net margins and return on equity (ROE) alongside a lower price-to-earnings (P/E) ratio.
- Both stocks have delivered comparable year-to-date (YTD) gains around 25%, though CFG shows stronger one-year total returns exceeding 50%.
- Sector exposure centers on commercial and consumer banking for both, with performance influenced by net interest income (NII) trends and interest rate environments in recent market activity.
- Relative positioning highlights trade-offs between CFG’s scale and ZION’s valuation efficiency and earnings momentum ahead of its report.
Introduction
Regional banks CFG and ZION operate in a similar segment of the financial services industry, making them relevant for comparison among investors seeking exposure to domestic banking trends. This analysis appeals to traders monitoring earnings momentum, valuation disparities, and sector sentiment, as well as longer-term investors evaluating relative performance within the regional bank space. The comparison draws on recent market activity to illustrate key differences in scale, profitability, and positioning without favoring one over the other.
CFG Overview and Recent Performance
Citizens Financial Group, Inc. (CFG) provides retail and commercial banking services across multiple U.S. regions through its Consumer Banking and Commercial Banking segments. In recent weeks, the stock has traded near $72 following a Q2 2026 earnings beat that delivered EPS of $1.30 against estimates, supported by growth in net interest income (NII) and fee income. Market capitalization stands at approximately $30.6 billion, with a trailing P/E ratio of 15.77. Recent market activity has reflected broader financial sector movements, with the shares showing resilience amid earnings season and analyst target adjustments upward. Sentiment has been shaped by operational expansions, including expanded oversight roles in commercial banking, alongside steady dividend announcements.
ZION Overview and Recent Performance
Zions Bancorporation, National Association (ZION) offers commercial, small business, and retail banking primarily in western and southwestern states through multiple bank subsidiaries. In recent weeks, the stock has hovered near $72 ahead of its Q2 2026 earnings release scheduled for July 20, with consensus estimates pointing to EPS of $1.57. Market capitalization is approximately $10.6 billion, accompanied by a lower trailing P/E ratio of 11.22. Recent market activity has featured solid year-to-date gains near 25%, influenced by prior quarter results that exceeded expectations on net interest income (NII) and overall resilience in a fluctuating rate environment. Sentiment reflects anticipation around the upcoming report and operational adjustments such as board changes.
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Head-to-Head Comparison
CFG operates with greater scale, evidenced by higher total revenue and a larger market capitalization compared to ZION’s more concentrated western U.S. footprint. Growth drivers for CFG include diversified consumer and commercial lending, while ZION emphasizes commercial real estate and small-business services. Recent momentum shows both stocks advancing in tandem with sector trends, though ZION’s lower P/E ratio and higher ROE of approximately 14% versus CFG’s 8% present a contrast in valuation efficiency. Risk factors include exposure to interest rate changes affecting net interest margins (NIM) for both, with CFG potentially facing broader geographic regulatory considerations. Market sentiment remains tied to earnings delivery, with ZION’s upcoming report serving as a near-term catalyst distinct from CFG’s recently completed results. Overall, the comparison reveals trade-offs between CFG’s established breadth and ZION’s apparent profitability edge at current valuations.
Tickeron AI Verdict
Based on observable factors such as trend consistency, relative valuation, and earnings positioning, Tickeron’s AI models would currently assign a probabilistic preference toward ZION due to its stronger profitability metrics, lower P/E ratio, and upcoming earnings catalyst that could reinforce momentum. CFG demonstrates solid scale and recent earnings outperformance, supporting balanced consideration depending on investor emphasis on growth versus efficiency. This assessment reflects data-driven positioning rather than definitive outcomes.
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 Hold and ZION is a Hold.
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 2 FA rating(s) are green whileZION’s FA Score has 2 green FA rating(s).
- CFG’s FA Score: 2 green, 3 red.
- ZION’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 3 TA indicator(s) are bullish while ZION’s TA Score has 3 bullish TA indicator(s).
- CFG’s TA Score: 3 bullish, 5 bearish.
- ZION’s TA Score: 3 bullish, 5 bearish.
Price Growth
CFG (@Regional Banks) experienced а -0.70% price change this week, while ZION (@Regional Banks) price change was -4.12% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was -0.57%. For the same industry, the average monthly price growth was +2.43%, and the average quarterly price growth was +14.08%.
Reported Earning Dates
CFG is expected to report earnings on Oct 16, 2026.
ZION is expected to report earnings on Oct 19, 2026.
Industries' Descriptions
@Regional Banks (-0.57% 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 | ZION | CFG / ZION | |
| Capitalization | 30.4B | 10.1B | 301% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 24.817 | 20.123 | 123% |
| P/E Ratio | 15.66 | 8.83 | 177% |
| Revenue | 8.48B | 3.44B | 247% |
| Total Cash | 12.7B | 683M | 1,859% |
| Total Debt | 12.3B | 1.96B | 627% |
CFG | ZION | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 23 | 67 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 56 Fair valued | 62 Fair valued | |
PROFIT vs RISK RATING 1..100 | 40 | 71 | |
SMR RATING 1..100 | 9 | 13 | |
PRICE GROWTH RATING 1..100 | 16 | 22 | |
P/E GROWTH RATING 1..100 | 43 | 63 | |
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 (56) in the Regional Banks industry is in the same range as ZION (62). This means that CFG’s stock grew similarly to ZION’s over the last 12 months.
CFG's Profit vs Risk Rating (40) in the Regional Banks industry is in the same range as ZION (71). This means that CFG’s stock grew similarly to ZION’s over the last 12 months.
CFG's SMR Rating (9) in the Regional Banks industry is in the same range as ZION (13). This means that CFG’s stock grew similarly to ZION’s over the last 12 months.
CFG's Price Growth Rating (16) in the Regional Banks industry is in the same range as ZION (22). This means that CFG’s stock grew similarly to ZION’s over the last 12 months.
CFG's P/E Growth Rating (43) in the Regional Banks industry is in the same range as ZION (63). This means that CFG’s stock grew similarly to ZION’s over the last 12 months.
| CFG | ZION | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 61% | 2 days ago 74% |
| Stochastic ODDS (%) | 2 days ago 54% | 2 days ago 74% |
| Momentum ODDS (%) | 2 days ago 73% | 2 days ago 71% |
| MACD ODDS (%) | 2 days ago 62% | 2 days ago 65% |
| TrendWeek ODDS (%) | 2 days ago 60% | 2 days ago 63% |
| TrendMonth ODDS (%) | 2 days ago 64% | 2 days ago 64% |
| Advances ODDS (%) | 4 days ago 66% | 10 days ago 69% |
| Declines ODDS (%) | 6 days ago 59% | 5 days ago 67% |
| BollingerBands ODDS (%) | 2 days ago 57% | 2 days ago 63% |
| Aroon ODDS (%) | 2 days ago 58% | 2 days ago 62% |
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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.
| Ticker / NAME | Correlation To CFG | 1D Price Change % | ||
|---|---|---|---|---|
| CFG | 100% | +0.11% | ||
| KEY - CFG | 90% Closely correlated | -0.31% | ||
| RF - CFG | 88% Closely correlated | +0.65% | ||
| ZION - CFG | 87% Closely correlated | +0.19% | ||
| FITB - CFG | 87% Closely correlated | +0.45% | ||
| FNB - CFG | 86% Closely correlated | +0.95% | ||
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