CFG vs TCBI
Citizens Financial Group vs Texas Capital Bancshares — AI-powered side-by-side comparison
CFG
Citizens Financial Group
74
Buy
VS
TCBI
Texas Capital Bancshares
73
Buy
| Metric | CFG | TCBI |
|---|
| AI Score |
74
|
73
|
| Price |
$74.33
|
$101.09
|
| P/E Ratio |
16.11×
|
13.09×
|
| ROE |
7.0%
|
9.1%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
72.4%
|
62.4%
|
| Debt / Equity |
0.62×
|
0.23×
|
| Dividend Yield |
2.5%
|
0.2%
|
| RSI (14) |
71.3
|
57.1
|
| Beta |
1.006
|
0.671
|
| Expected Upside |
—
|
+5.7%
|
AI Committee View
Current Innellis committee reasoning for CFG versus TCBI.
CFG leads by 1 points.
CFG scores 74/100 (Buy) versus TCBI at 73/100 (Buy).
CFG Committee View
100% agreement
6 analysts
The primary driver is revenue growing 62.7% yoy -- genuine top-line momentum. The main limiting factor is sector concentration is already high (hhi 2963.04). The committee is constructive but not yet at full conviction.
Bull Case
- P/E of 14.7 is inexpensive for the broad market — Value
- Price-to-book of 1.0x is a discount to asset value — Value
- Revenue growing 62.7% YoY -- genuine top-line momentum — Growth
Bear Case
- RSI at 71 is in overbought territory — Technical
- Price trading above the upper Bollinger Band -- stretched — Technical
- Weekly RSI at 79 -- overbought on the larger timeframe too — Technical
TCBI Committee View
67% agreement
6 analysts
The committee is split. Analysts see this stock differently enough that the current rating reflects genuine uncertainty, not a weak signal.
Bull Case
- P/E of 12.0 is inexpensive for the broad market — Value
- Price-to-book of 1.1x is a discount to asset value — Value
- Revenue growing 62.2% YoY -- genuine top-line momentum — Growth