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Citizens Financial vs First Bancorp: revenue, profit, margins and growth compared

Citizens Financial brought in $8.2B of revenue in fiscal 2025, First Bancorp $1.3B in fiscal 2025. Revenue changed by +5.6% at Citizens Financial and +2.4% at First Bancorp on the year before, so Citizens Financial grew faster. Citizens Financial kept 22.2% of its revenue as net profit, First Bancorp 27.5%.

Side by side, latest fiscal year

CFGFBP
Fiscal year endedFY2025 (December 31, 2025)FY2025 (December 31, 2025)
Revenue$8.2B$1.3B
Revenue growth+5.6%+2.4%
Net income$1.8B$344.9M
Net margin22.2%27.5%
Free cash flown/a$437.5M
Free cash flow marginn/a34.9%
Earnings per share (diluted)$3.86$2.15
Cash$12.7B$658.6M
Debt$11.2B$290M
Price to earnings17.012.6
Market value$27.6B$4.1B
Dividend yield2.62%2.66%
Rank by revenue in sector#66 of 444 · Finance#173 of 444 · Finance

Over the years

Revenue
CFG FY2018: $6.1BCFG FY2019: $6.5BCFG FY2020: $6.9BCFG FY2021: $6.6BCFG FY2022: $8BCFG FY2023: $8.2BCFG FY2024: $7.8BCFG FY2025: $8.2BFBP FY2018: $707.3MFBP FY2019: $766.5MFBP FY2020: $804.2MFBP FY2021: $915.9MFBP FY2022: $985.7MFBP FY2023: $1.2BFBP FY2024: $1.2BFBP FY2025: $1.3BFY18FY19FY20FY21FY22FY23FY24FY25
CFG $8.2BFBP $1.3B
Net income
CFG FY2018: $1.7BCFG FY2019: $1.8BCFG FY2020: $1.1BCFG FY2021: $2.3BCFG FY2022: $2.1BCFG FY2023: $1.6BCFG FY2024: $1.5BCFG FY2025: $1.8BFBP FY2018: $201.6MFBP FY2019: $167.4MFBP FY2020: $102.3MFBP FY2021: $281MFBP FY2022: $305.1MFBP FY2023: $302.9MFBP FY2024: $298.7MFBP FY2025: $344.9MFY18FY19FY20FY21FY22FY23FY24FY25
CFG $1.8BFBP $344.9M
Net margin
CFG FY2018: 28.1%CFG FY2019: 27.6%CFG FY2020: 15.3%CFG FY2021: 34.9%CFG FY2022: 25.8%CFG FY2023: 19.6%CFG FY2024: 19.3%CFG FY2025: 22.2%FBP FY2018: 28.5%FBP FY2019: 21.8%FBP FY2020: 12.7%FBP FY2021: 30.7%FBP FY2022: 30.9%FBP FY2023: 26.2%FBP FY2024: 24.4%FBP FY2025: 27.5%FY18FY19FY20FY21FY22FY23FY24FY25
CFG 22.2%FBP 27.5%
Revenue growth
CFG FY2019: +5.9%CFG FY2020: +6.4%CFG FY2021: -3.7%CFG FY2022: +20.7%CFG FY2023: +2.5%CFG FY2024: -5.0%CFG FY2025: +5.6%FBP FY2019: +8.4%FBP FY2020: +4.9%FBP FY2021: +13.9%FBP FY2022: +7.6%FBP FY2023: +17.3%FBP FY2024: +6.0%FBP FY2025: +2.4%FY19FY20FY21FY22FY23FY24FY25
CFG +5.6%FBP +2.4%
Free cash flow
CFG FY2018: $1.5BCFG FY2019: $1.6BFBP FY2018: $267.8MFBP FY2019: $271.8MFBP FY2020: $281.7MFBP FY2021: $386.4MFBP FY2022: $420MFBP FY2023: $340.4MFBP FY2024: $394.1MFBP FY2025: $437.5MFY18FY19FY20FY21FY22FY23FY24FY25
CFG $1.6BFBP $437.5M

Fiscal years as each company reports them; the two may end in different months.

Questions about Citizens Financial and First Bancorp

Which is bigger by revenue, Citizens Financial or First Bancorp?

Citizens Financial is bigger by revenue: $8.2B in fiscal 2025, against $1.3B for First Bancorp in fiscal 2025.

Which keeps more of its revenue as profit, Citizens Financial or First Bancorp?

Citizens Financial had a net margin of 22.2% in fiscal 2025; First Bancorp had 27.5% in fiscal 2025.

Which grew revenue faster, Citizens Financial or First Bancorp?

In their latest fiscal years revenue changed by +5.6% at Citizens Financial and +2.4% at First Bancorp.

Where do these numbers come from?

From the annual reports each company files with the SEC (10-K, or 20-F and 40-F for foreign companies), read from their XBRL data. Margins and growth are simple arithmetic on those figures. Nothing here is a recommendation.

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