FCBC vs. CFG
FCBC (First Community Bankshares, Inc.) and CFG (Citizens Financial Group, Inc.) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 10 years, FCBC returned 12.22%/yr vs 17.52%/yr for CFG. A 0.58 correlation means they provide meaningful diversification when combined.
Performance
FCBC vs. CFG - Performance Comparison
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Returns By Period
In the year-to-date period, FCBC achieves a 37.98% return, which is significantly higher than CFG's 19.80% return. Over the past 10 years, FCBC has underperformed CFG with an annualized return of 12.22%, while CFG has yielded a comparatively higher 17.52% annualized return.
FCBC
- 1D
- 1.41%
- 1M
- 4.96%
- YTD
- 37.98%
- 6M
- 37.09%
- 1Y
- 22.26%
- 3Y*
- 22.45%
- 5Y*
- 12.92%
- 10Y*
- 12.22%
CFG
- 1D
- 1.47%
- 1M
- 9.70%
- YTD
- 19.80%
- 6M
- 17.58%
- 1Y
- 67.58%
- 3Y*
- 45.43%
- 5Y*
- 12.77%
- 10Y*
- 17.52%
FCBC vs. CFG - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
FCBC First Community Bankshares, Inc. | 37.98% | -12.10% | 15.82% | 13.72% | 5.12% | 60.52% | -27.17% | 1.42% | 14.19% | -2.35% |
CFG Citizens Financial Group, Inc. | 19.80% | 38.60% | 38.01% | -11.01% | -13.37% | 37.02% | -6.73% | 41.84% | -27.44% | 19.91% |
Correlation
The correlation between FCBC and CFG is 0.56, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.56 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.61 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.60 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.60 |
Correlation (All Time) Calculated using the full available price history since Sep 24, 2014 | 0.58 |
The correlation between FCBC and CFG has been stable across timeframes, ranging from 0.56 to 0.61 - a consistent structural relationship.
Fundamentals
FCBC:
$846.59M
CFG:
$29.66B
FCBC:
$2.64
CFG:
$4.55
FCBC:
16.84
CFG:
15.17
FCBC:
4.90
CFG:
2.66
FCBC:
1.62
CFG:
1.23
FCBC:
$168.35M
CFG:
$11.28B
FCBC:
$117.77M
CFG:
$8.02B
FCBC:
$50.67M
CFG:
$2.75B
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Return for Risk
FCBC vs. CFG — Risk / Return Rank
FCBC
CFG
FCBC vs. CFG - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for First Community Bankshares, Inc. (FCBC) and Citizens Financial Group, Inc. (CFG). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| FCBC | CFG | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -1.77 | ||
| Sortino ratioReturn per unit of downside risk | -1.95 | ||
| Omega ratioGain probability vs. loss probability | 1.16 | 1.43 | -0.28 |
| Calmar ratioReturn relative to maximum drawdown | 0.95 | 3.71 | -2.75 |
| Martin ratioReturn relative to average drawdown | 1.89 | 11.41 | -9.52 |
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Drawdowns
FCBC vs. CFG - Drawdown Comparison
The maximum FCBC drawdown since its inception was -79.46%, which is greater than CFG's maximum drawdown of -65.60%. Use the drawdown chart below to compare losses from any high point for FCBC and CFG.
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Drawdown Indicators
| FCBC | CFG | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -79.46% | -65.60% | -13.86% |
Max Drawdown (1Y)Largest decline over 1 year | -23.43% | -18.32% | -5.11% |
Max Drawdown (3Y)Largest decline over 3 years | -29.94% | -29.08% | -0.86% |
Max Drawdown (5Y)Largest decline over 5 years | -39.51% | -56.19% | +16.68% |
Max Drawdown (10Y)Largest decline over 10 years | -49.53% | -65.60% | +16.07% |
Current DrawdownCurrent decline from peak | 0.00% | 0.00% | 0.00% |
Average DrawdownAverage peak-to-trough decline | -26.43% | -17.87% | -8.56% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 11.81% | 5.94% | +5.87% |
Volatility
FCBC vs. CFG - Volatility Comparison
First Community Bankshares, Inc. (FCBC) and Citizens Financial Group, Inc. (CFG) have volatilities of 7.14% and 7.17%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| FCBC | CFG | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 7.14% | 7.17% | -0.03% |
Volatility (6M)Calculated over the trailing 6-month period | 19.23% | 19.22% | +0.01% |
Volatility (1Y)Calculated over the trailing 1-year period | 27.00% | 26.13% | +0.87% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 29.01% | 33.95% | -4.94% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 32.85% | 38.06% | -5.21% |
Dividends
FCBC vs. CFG - Dividend Comparison
FCBC's dividend yield for the trailing twelve months is around 5.04%, more than CFG's 2.61% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
CFG Citizens Financial Group, Inc. | 2.61% | 2.94% | 3.84% | 5.07% | 4.11% | 3.30% | 4.36% | 3.35% | 3.30% | 1.52% | 1.29% | 1.53% |
FCBC First Community Bankshares, Inc. | 5.04% | 9.81% | 2.88% | 3.13% | 3.30% | 3.11% | 4.63% | 3.09% | 4.00% | 2.37% | 1.99% | 2.90% |
Financials
FCBC vs. CFG - Financials Comparison
This section allows you to compare key financial metrics between First Community Bankshares, Inc. and Citizens Financial Group, Inc.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
FCBC vs. CFG - Profitability Comparison
FCBC - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, First Community Bankshares, Inc. reported a gross profit of 0.00 and revenue of 37.78M. Therefore, the gross margin over that period was 0.0%.
CFG - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Citizens Financial Group, Inc. reported a gross profit of 2.03B and revenue of 3.03B. Therefore, the gross margin over that period was 67.0%.
FCBC - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, First Community Bankshares, Inc. reported an operating income of 0.00 and revenue of 37.78M, resulting in an operating margin of 0.0%.
CFG - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Citizens Financial Group, Inc. reported an operating income of 650.00M and revenue of 3.03B, resulting in an operating margin of 21.5%.
FCBC - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, First Community Bankshares, Inc. reported a net income of 12.03M and revenue of 37.78M, resulting in a net margin of 31.8%.
CFG - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Citizens Financial Group, Inc. reported a net income of 517.00M and revenue of 3.03B, resulting in a net margin of 17.1%.
Frequently Asked Questions
FCBC and CFG have a correlation of 0.56, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
CFG has higher volatility (7.17%) compared to FCBC (7.14%). In terms of maximum drawdown, FCBC dropped -79.46% vs CFG's -65.60%.
CFG currently has the higher Sharpe Ratio (2.60 vs 0.83), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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