RF vs. CFG
RF (Regions Financial Corporation) 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, RF returned 17.34%/yr vs 16.43%/yr for CFG. Their correlation of 0.86 means they have usually moved in the same direction.
Performance
RF vs. CFG - Performance Comparison
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Returns By Period
In the year-to-date period, RF achieves a 19.90% return, which is significantly lower than CFG's 28.63% return. Over the past 10 years, RF has outperformed CFG with an annualized return of 17.34%, while CFG has yielded a comparatively lower 16.43% annualized return.
RF
- 1D
- -0.22%
- 1M
- 4.59%
- 6M
- 6.75%
- YTD
- 19.90%
- 1Y
- 31.68%
- 3Y*
- 21.53%
- 5Y*
- 14.75%
- 10Y*
- 17.34%
- ALL TIME*
- 8.03%
CFG
- 1D
- -0.11%
- 1M
- 2.73%
- 6M
- 12.03%
- YTD
- 28.63%
- 1Y
- 60.28%
- 3Y*
- 38.50%
- 5Y*
- 15.50%
- 10Y*
- 16.43%
- ALL TIME*
- 14.84%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $271.76M | $340.05M | $308.02M | |
| $266.93M | $320.01M | $321.42M |
RF vs. CFG - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
RF Regions Financial Corporation | 19.90% | 21.99% | 27.00% | -5.69% | 2.33% | 39.39% | -1.61% | 33.35% | -20.59% | 22.95% |
CFG Citizens Financial Group, Inc. | 28.63% | 38.60% | 38.01% | -11.01% | -13.37% | 37.02% | -6.73% | 41.84% | -27.44% | 19.91% |
Correlation
The correlation between RF and CFG is 0.85, meaning they have usually moved in the same direction, including during past declines.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.85 |
Correlation (3Y) Balances recent behavior with more history. | 0.85 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.86 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.88 |
Correlation (All Time) Calculated using the full available price history since Sep 24, 2014 | 0.86 |
The correlation between RF and CFG has been stable across timeframes, ranging from 0.85 to 0.88 - a consistent structural relationship.
Fundamentals
RF:
$27.21B
CFG:
$31.12B
RF:
$2.55
CFG:
$4.92
RF:
12.49
CFG:
14.95
RF:
2.91
CFG:
2.77
RF:
1.56
CFG:
1.30
RF:
$9.57B
CFG:
$11.47B
RF:
$7.35B
CFG:
$8.30B
RF:
$2.91B
CFG:
$3.06B
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Return for Risk
RF vs. CFG — Risk / Return Rank
RF
CFG
RF vs. CFG - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Regions Financial Corporation (RF) 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.
| RF | CFG | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.96 | ||
| Sortino ratioReturn per unit of downside risk | -1.09 | ||
| Omega ratioGain probability vs. loss probability | 1.23 | 1.39 | -0.15 |
| Calmar ratioReturn relative to maximum drawdown | 1.73 | 3.31 | -1.58 |
| Martin ratioReturn relative to average drawdown | 4.11 | 10.20 | -6.10 |
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Drawdowns
RF vs. CFG - Drawdown Comparison
The maximum RF drawdown since its inception was -92.65%, which is greater than CFG's maximum drawdown of -65.60%. Use the drawdown chart below to compare losses from any high point for RF and CFG.
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Drawdown Indicators
| RF | CFG | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -92.65% | -65.60% | -27.05% |
Max Drawdown (1Y)Largest decline over 1 year | -18.45% | -18.32% | -0.13% |
Max Drawdown (3Y)Largest decline over 3 years | -32.35% | -29.08% | -3.27% |
Max Drawdown (5Y)Largest decline over 5 years | -40.99% | -56.19% | +15.20% |
Max Drawdown (10Y)Largest decline over 10 years | -60.73% | -65.60% | +4.87% |
Current DrawdownCurrent decline from peak | -1.60% | -0.43% | -1.17% |
Average DrawdownAverage peak-to-trough decline | -30.95% | -17.71% | -13.24% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 7.74% | 5.93% | +1.81% |
Volatility
RF vs. CFG - Volatility Comparison
The current volatility for Regions Financial Corporation (RF) is 6.92%, while Citizens Financial Group, Inc. (CFG) has a volatility of 8.88%. This indicates that RF experiences smaller price fluctuations and is considered to be less risky than CFG based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| RF | CFG | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 6.92% | 8.88% | -1.96% |
Volatility (6M)Calculated over the trailing 6-month period | 17.51% | 19.00% | -1.49% |
Volatility (1Y)Calculated over the trailing 1-year period | 24.21% | 26.62% | -2.41% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 31.11% | 33.81% | -2.70% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 35.63% | 37.98% | -2.35% |
Dividends
RF vs. CFG - Dividend Comparison
RF's dividend yield for the trailing twelve months is around 3.32%, more than CFG's 2.50% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
CFG Citizens Financial Group, Inc. | 2.50% | 2.94% | 3.84% | 5.07% | 4.11% | 3.30% | 4.36% | 3.35% | 3.30% | 1.52% | 1.29% | 1.53% |
RF Regions Financial Corporation | 3.32% | 5.12% | 4.17% | 4.54% | 3.43% | 2.98% | 3.85% | 3.44% | 3.44% | 1.82% | 1.78% | 2.40% |
Financials
RF vs. CFG - Financials Comparison
This section allows you to compare key financial metrics between Regions Financial Corporation 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
RF vs. CFG - Profitability Comparison
RF - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, Regions Financial Corporation reported a gross profit of 1.84B and revenue of 2.38B. Therefore, the gross margin over that period was 77.3%.
CFG - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, Citizens Financial Group, Inc. reported a gross profit of 2.15B and revenue of 3.20B. Therefore, the gross margin over that period was 67.3%.
RF - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, Regions Financial Corporation reported an operating income of 718.00M and revenue of 2.38B, resulting in an operating margin of 30.2%.
CFG - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, Citizens Financial Group, Inc. reported an operating income of 755.00M and revenue of 3.20B, resulting in an operating margin of 23.6%.
RF - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, Regions Financial Corporation reported a net income of 570.00M and revenue of 2.38B, resulting in a net margin of 24.0%.
CFG - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, Citizens Financial Group, Inc. reported a net income of 587.00M and revenue of 3.20B, resulting in a net margin of 18.4%.
Frequently Asked Questions
RF and CFG have a correlation of 0.85, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
CFG has higher volatility (8.88%) compared to RF (6.92%). In terms of maximum drawdown, RF dropped -92.65% vs CFG's -65.60%.
CFG currently has the higher Sharpe Ratio (2.28 vs 1.31), 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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