First Citizens Bancshares vs Regions Financial
First Citizens Bancshares is the larger business, with $9.54bn of revenue in fiscal 2025 against $7.53bn for Regions Financial (1.3 times as much). Regions Financial grew faster (6.3% against -2.2%). Regions Financial kept more of each dollar of sales as profit: a net margin of 28.6% against 23.1%.
| Latest fiscal year | First Citizens BancsharesFCNCA, 2025 | Regions FinancialRF, 2025 |
|---|---|---|
| Revenue | $9.54bn | $7.53bn |
| Revenue growth | -2.2% | 6.3% |
| Net income | $2.21bn | $2.16bn |
| Operating margin | — | — |
| Net margin | 23.1% | 28.6% |
| Return on equity | 9.9% | 11.7% |
| Free cash flow | $2.21bn | — |
| Cash | $801m | $10.91bn |
| Total debt | $36.01bn | $4.88bn |
| Debt to equity | — | — |
| Dividend per share | $7.95 | $1.03 |
| Dividend yield | 0.7% | 3.7% |
| Share buybacks | $3.03bn | $1.07bn |
| Employees | 17,876 | 19,969 |
| Market value | $26.98bn | $24.48bn |
| Price vs our value range | — | — |
| Moat score | 62 (Moderate) | 75 (Strong) |
| Insider trades, 12 months | 62 buys, 11 sales | 0 buys, 3 sales |