Citizens Financial vs First Citizens Bancshares
First Citizens Bancshares is the larger business, with $9.54bn of revenue in fiscal 2025 against $8.25bn for Citizens Financial (1.2 times as much). Citizens Financial grew faster (5.6% against -2.2%). First Citizens Bancshares kept more of each dollar of sales as profit: a net margin of 23.1% against 22.2%.
| Latest fiscal year | Citizens FinancialCFG, 2025 | First Citizens BancsharesFCNCA, 2025 |
|---|---|---|
| Revenue | $8.25bn | $9.54bn |
| Revenue growth | 5.6% | -2.2% |
| Net income | $1.83bn | $2.21bn |
| Operating margin | — | — |
| Net margin | 22.2% | 23.1% |
| Return on equity | 7.2% | 9.9% |
| Free cash flow | $2.21bn | $2.21bn |
| Cash | $12.73bn | $801m |
| Total debt | $11.36bn | $36.01bn |
| Debt to equity | — | — |
| Dividend per share | $1.72 | $7.95 |
| Dividend yield | 2.9% | 0.7% |
| Share buybacks | $600m | $3.03bn |
| Employees | 17,398 | 17,876 |
| Market value | $27.12bn | $26.98bn |
| Price vs our value range | — | — |
| Moat score | 67 (Moderate) | 62 (Moderate) |
| Insider trades, 12 months | 0 buys, 3 sales | 62 buys, 11 sales |