Citizens vs Regions Financial

Citizens and Regions Financial are contrasted on this page to help readers understand how their business models relate to market dynamics. The comparison covers business structures, profitability indicators, and the contexts in which each bank operates, with explanations designed to be clear and accessible. Educational content, not financial advice.

Citizens and Regions Financial are contrasted on this page to help readers understand how their business models relate to market dynamics. The comparison covers business structures, profitability indi...

Comparison Snapshot

Key Financial Metrics

CFG

Metric

RF

$25.69B

Market Cap

$23.98B

-3.49%

Potential Profit

4.67%

Buy

Analyst Rating

Hold

Why It's Moving

CFG Stock Braces for Pivotal Q4 Earnings Drop as Wall Street Bets on Robust Growth.

Wall Street projects $1.11-$1.12 EPS and $2.15B revenue, signaling 30%+ year-over-year earnings growth and highlighting resilience in consumer and commercial banking.
CFG's track record shines with four straight EPS beats, including a 2.94% surprise last quarter, building optimism for margin tailwinds from expiring rate hedges.
Strategic pushes into AI-driven cost savings and maturing private banking position CFG for 30% earnings surge in 2026, offsetting risks like commercial real estate.

Sentiment:

🐃Bullish

Regions Financial shakes up leadership with CFO retirement, eyes earnings reveal amid bullish momentum.

CFO David J. Turner Jr. retiring March 31, 2026; Anil D. Chadha steps in, ensuring continuity in financial strategy amid robust performance.
Q4 2025 revenue hit $1.806B with EPS of $0.59; full-year net profit margin climbed to 29.2% from 26.9%, highlighting fee income and digital banking strength.
Asset quality shines with non-performing loans dropping to $770M from $928M, loans steady around $96B, and net interest margins holding 3.52%-3.65% for earnings reliability.

Sentiment:

🐃Bullish

CFG Stock Braces for Pivotal Q4 Earnings Drop as Wall Street Bets on Robust Growth.

Wall Street projects $1.11-$1.12 EPS and $2.15B revenue, signaling 30%+ year-over-year earnings growth and highlighting resilience in consumer and commercial banking.
CFG's track record shines with four straight EPS beats, including a 2.94% surprise last quarter, building optimism for margin tailwinds from expiring rate hedges.
Strategic pushes into AI-driven cost savings and maturing private banking position CFG for 30% earnings surge in 2026, offsetting risks like commercial real estate.

Sentiment:

🐃Bullish

Regions Financial shakes up leadership with CFO retirement, eyes earnings reveal amid bullish momentum.

CFO David J. Turner Jr. retiring March 31, 2026; Anil D. Chadha steps in, ensuring continuity in financial strategy amid robust performance.
Q4 2025 revenue hit $1.806B with EPS of $0.59; full-year net profit margin climbed to 29.2% from 26.9%, highlighting fee income and digital banking strength.
Asset quality shines with non-performing loans dropping to $770M from $928M, loans steady around $96B, and net interest margins holding 3.52%-3.65% for earnings reliability.

Sentiment:

🐃Bullish

Investment Analysis

Citizens

CFG

Pros

Citizens Financial Group has consistently exceeded EPS and revenue forecasts, demonstrating solid quarterly performance.
The company maintains a strong position in capital markets, ranking as the top HELOC lender and fourth in middle-market sponsor loan syndications.
Disciplined expense management and favourable credit trends have supported strong profitability and double-digit stock gains in 2025.

Considerations

The current ratio is low at 0.25, indicating limited short-term liquidity compared to industry norms.
Net interest income growth has been modest, with only 3.5% year-on-year increase, limiting upside from core banking operations.
The stock is sensitive to monetary policy uncertainty, which could pressure margins and future earnings.

Regions Financial

RF

Pros

Regions Financial maintains a stable balance sheet with a strong capital position and consistent dividend payments.
The company has diversified revenue streams across retail, commercial, and wealth management segments.
Regions has demonstrated resilience in past economic downturns, with relatively stable loan loss provisions.

Considerations

Revenue growth has been sluggish, with limited expansion in net interest income compared to peers.
The stock has underperformed the broader banking sector in 2025, reflecting weaker investor sentiment.
Regions faces challenges from regional economic volatility, particularly in its core Southern US markets.

About The Companies

Citizens (CFG)

Citizens Financial Group, Inc. (CFG) is a US regional bank that provides retail and commercial banking, mortgage, corporate and investment banking, and wealth management services. Headquartered in Providence, Rhode Island, it serves consumers and businesses across the Northeast, Mid‑Atlantic and Midwest. Investors typically watch Citizens for its sensitivity to interest rates, loan growth, credit quality and deposit trends — all key drivers of profitability for regional banks. The bank generates income from net interest margin, fees and lending activity, but is exposed to economic cycles and credit risk; loan losses can rise if the economy weakens. Citizens has historically paid a dividend, though distributions depend on board decisions and regulatory guidance. This summary is educational and not personal financial advice. Bank stocks can be volatile and past performance is not a reliable guide to future returns; anyone considering an investment should assess their own risk tolerance and time horizon and may wish to consult a qualified adviser.

Regions Financial (RF)

Regions Financial Corporation (RF) is a US regional bank providing consumer and commercial banking, mortgage, wealth management and payment services. With a market capitalisation of about $21.56 billion, it has a sizeable franchise concentrated in the Southeastern and Midwestern United States. Investors should know the stock is sensitive to the interest-rate environment — net interest margins and deposit costs are key drivers — and to the health of the loan portfolio, especially commercial and consumer credit. Regulatory oversight, capital and liquidity management influence the bank’s resilience. Regions has pursued both branch-based customer relationships and digital delivery, which can support growth but also requires investment. Earnings can be cyclical and dividends may vary with performance and policy. This summary is general, educational information only and not personalised investment advice; values can rise and fall and past performance is not a reliable guide to future returns. Consider your objectives, risk tolerance and, if needed, consult a qualified financial adviser.

Citizens (CFG) Next Earnings Date

Citizens Financial Group will release its fourth quarter and full year 2025 earnings on January 21, 2026, with a press release expected at approximately 6:20 a.m. Eastern Time. The company's earnings call to discuss financial results is scheduled for 9:00 a.m. Eastern Time on that same date. Analysts are currently projecting earnings per share of $1.11 for the quarter. This earnings announcement will provide investors with the company's full-year 2025 performance and guidance on its "Reimagining the Bank" strategy, which emphasizes AI-driven efficiency gains and private banking expansion.

Regions Financial (RF) Next Earnings Date

Regions Financial (RF) reported its Q4 and full-year 2025 earnings on January 16, 2026. The next earnings release, covering the first quarter of 2026, is scheduled for April 16, 2026. This aligns with the company's historical mid-April pattern for Q1 results.

Citizens (CFG) Next Earnings Date

Citizens Financial Group will release its fourth quarter and full year 2025 earnings on January 21, 2026, with a press release expected at approximately 6:20 a.m. Eastern Time. The company's earnings call to discuss financial results is scheduled for 9:00 a.m. Eastern Time on that same date. Analysts are currently projecting earnings per share of $1.11 for the quarter. This earnings announcement will provide investors with the company's full-year 2025 performance and guidance on its "Reimagining the Bank" strategy, which emphasizes AI-driven efficiency gains and private banking expansion.

Regions Financial (RF) Next Earnings Date

Regions Financial (RF) reported its Q4 and full-year 2025 earnings on January 16, 2026. The next earnings release, covering the first quarter of 2026, is scheduled for April 16, 2026. This aligns with the company's historical mid-April pattern for Q1 results.

Which Baskets Do They Appear In?

Fed Pivot Stocks: Rate Cut Risks & Opportunities

A weaker-than-expected jobs report has increased the likelihood of a Federal Reserve interest rate cut. This theme focuses on companies poised to benefit from lower borrowing costs, which can stimulate lending and consumer spending.

Published: September 8, 2025

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Community Banking Catalyst

This carefully selected group of stocks features regional and community banks positioned to benefit from the FDIC's proposed simplification of the Community Reinvestment Act. Our professional analysts identified these financial institutions as potentially gaining from reduced regulatory burdens, which could boost lending capacity and shareholder value.

Published: July 14, 2025

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Banks

These carefully selected banking stocks represent the financial institutions that keep the global economy running. Our professional analysts have handpicked these companies for their role in the digital transformation of financial services and their potential for steady returns.

Published: May 28, 2025

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Which Baskets Do They Appear In?

Fed Pivot Stocks: Rate Cut Risks & Opportunities

A weaker-than-expected jobs report has increased the likelihood of a Federal Reserve interest rate cut. This theme focuses on companies poised to benefit from lower borrowing costs, which can stimulate lending and consumer spending.

Published: September 8, 2025

Explore Basket

Community Banking Catalyst

This carefully selected group of stocks features regional and community banks positioned to benefit from the FDIC's proposed simplification of the Community Reinvestment Act. Our professional analysts identified these financial institutions as potentially gaining from reduced regulatory burdens, which could boost lending capacity and shareholder value.

Published: July 14, 2025

Explore Basket

Banks

These carefully selected banking stocks represent the financial institutions that keep the global economy running. Our professional analysts have handpicked these companies for their role in the digital transformation of financial services and their potential for steady returns.

Published: May 28, 2025

Explore Basket

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Comparison Snapshot

Why It's Moving

CFG Stock Braces for Pivotal Q4 Earnings Drop as Wall Street Bets on Robust Growth.

Regions Financial shakes up leadership with CFO retirement, eyes earnings reveal amid bullish momentum.

CFG Stock Braces for Pivotal Q4 Earnings Drop as Wall Street Bets on Robust Growth.

Regions Financial shakes up leadership with CFO retirement, eyes earnings reveal amid bullish momentum.