First Citizens BancShares (FCNCA) vs Regions Financial (RF)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
First Citizens BancShares (FCNCA) has outperformed Regions Financial (RF) over the past year, gaining 17.1% versus a gain of 3.8%. Over five years, FCNCA leads with a +142.5% price change compared with +19.0% for RF. First Citizens BancShares is the larger company by market cap ($23.39 billion vs $22.75 billion), about 1.0 times the size, while Regions Financial is growing revenue faster (+6.3% vs -2.2%).
On valuation, Regions Financial trades at a lower forward P/E (9.4x vs 10.2x for First Citizens BancShares). Regions Financial offers the higher dividend yield (3.97% vs 0.40%). Regions Financial converts more of its revenue into profit, with a net margin of 28.6% versus 23.1%.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | FCNCA | RF |
|---|---|---|
| Share price | $2,071.56 | $26.70 |
| Market cap | $23.39B | $22.75B |
| 1-day change | -0.79% | -1.29% |
| YTD return | -3.48% | -1.48% |
| 1-year return | +17.14% | +3.77% |
| 5-year return | +142.49% | +19.04% |
| P/E ratio (TTM) | 11.20 | 11.03 |
| Forward P/E | 10.25 | 9.38 |
| EPS (TTM) | $184.96 | $2.42 |
| Dividend yield | 0.40% | 3.97% |
| Annual dividend | $8.25 | $1.06 |
| Revenue (latest FY) | $9.54B | $7.53B |
| Revenue growth (YoY) | -2.22% | +6.25% |
| Net income (latest FY) | $2.21B | $2.16B |
| Operating margin | — | 0.70% |
| Net margin | 23.12% | 28.65% |
| 52-week high | $2,296.30 | $32.47 |
| 52-week low | $1,623.76 | $22.70 |
| Distance from 52-week high | -9.79% | -17.77% |
| Analyst consensus | hold | hold |
| Avg. price target upside | +12.79% | +19.96% |
| Average volume | 66.98K | 8.97M |
| Shares outstanding | 10.29M | 851.93M |
| Employees | 17,876 | 20,003 |
| Sector | Finance | Financial Services |
| Industry | Major Banks | Banks - Regional |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- FCNCA has outperformed RF by 13.4 percentage points over the past year.
- Regions Financial offers a meaningfully higher dividend yield (3.97% vs 0.40%).
- Regions Financial is more profitable, keeping 28.6 cents of every revenue dollar as net income versus 23.1 cents for First Citizens BancShares.
- Regions Financial grew revenue faster in its latest fiscal year (+6.25% vs -2.22%).
- The two companies sit in different sectors: First Citizens BancShares in Finance and Regions Financial in Financial Services.
About First Citizens BancShares
FCNCA stock →First Citizens BancShares, Inc. operates as the holding company for First-Citizens Bank & Trust Company that provides retail and commercial banking services to individuals, businesses, and professionals in the United States and internationally.
Finance · Major Banks · 17,876 employees
About Regions Financial
RF stock →Regions Financial Corporation, a financial holding company, provides various banking and related products and services to individual and corporate customers. It operates through three segments: Corporate Bank, Consumer Bank, and Wealth Management.
Financial Services · Banks - Regional · 20,003 employees
FCNCA vs RF FAQ
Which is bigger, First Citizens BancShares or Regions Financial?
First Citizens BancShares (FCNCA) is larger, with a market capitalization of $23.39B compared with $22.75B for Regions Financial (RF).
Which stock has performed better over the past year, FCNCA or RF?
FCNCA returned +17.14% over the past 12 months, compared with +3.77% for RF (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, FCNCA or RF?
RF has the lower trailing P/E at 11.0, versus 11.2 for FCNCA. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, First Citizens BancShares or Regions Financial?
Regions Financial has the higher yield at 3.97%, compared with 0.40% for First Citizens BancShares.
Are First Citizens BancShares and Regions Financial in the same industry?
No. First Citizens BancShares is in the Finance sector, while Regions Financial is in Financial Services.