Citizens Financial Group, Inc. CFG

65.53 0.80 1.24% as of 25 Sep
Market cap
$28.2B
P/E
14.1×
Indexes indicate stock being part of an index,
Growth Flags show if company had growth for consecutive years

Insider Decisions

Total sells 10.47
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell — — — — — 1 — 1 — 1 — —
Insider Ownership 1.34%

Capital & Financial Ratios

Market Cap 28,190.00
Revenue 12,375.00
Net Income 2,126.00
Free Cash Flow 2,320.00
Net Debt 1,323.00
Current Ratio 0.86
Debt/Equity 0.58
P/E ratio 14.09
P/S ratio 2.24
P/B ratio 1.15
Past 5Y EPS Growth (4.50%)
This Y EPS Growth 37.37%
Next Y EPS Growth 22.54%
Next 5Y EPS Growth 24.71%
in millions of $

Dividends

Payout Ratio 0.38
Annual Dividend Rate 1.68
Annual Dividend Yield 5.45%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 1.89
0.46
0.46
0.46
2025 1.72
0.42
0.42
0.42
0.46
2024 1.68
0.42
0.42
0.42
0.42
2023 1.68
0.42
0.42
0.42
0.42
2022 15.75
0.39
0.39
0.42
14.13
0.42
2021 1.56
0.39
0.39
0.39
0.39
2020 1.56
0.39
0.39
0.39
0.39
2019 1.36
0.32
0.32
0.36
0.36
2018 0.98
0.22
0.22
0.27
0.27
2017 0.64
0.14
0.14
0.18
0.18
2016 0.46
0.10
0.12
0.12
0.12
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 12,033 11,236 13,688 13,867
Receivables — — — —
Inventory — — — —
Other — — — —
156,673 149,236 155,635 160,847
2023 2024 2025 Q'26
Payables 177,342 174,776 183,313 185,620
ST’ Debt — — — —
Other — — — —
177,847 174,776 183,371 186,779
in millions of $

Compound Annual Growth

10y 5y 3y
Sales 8.62% 9.45% 9.96%
Cash Flow 6.05% 81.91% (18.73%)
Earnings 7.32% 12.18% (4.86%)
Book Value 2.97% 3.03% 3.57%

Revenue

Mar Jun Sep Dec Year
’26 3,026 3,195 — — —
’25 2,896 3,007 3,088 3,066 12,057
’24 3,127 3,128 3,071 3,036 12,362
’23 2,887 3,037 3,087 3,176 12,187
’22 1,711 2,120 2,481 2,757 9,069
’21 1,758 1,696 1,736 1,796 6,986
’20 1,975 1,940 1,934 1,827 7,676
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 237 726 — — —
’25 (213) 886 1,696 (158) 2,211
’24 554 834 130 483 2,001
’23 1,154 122 1,015 670 2,961
’22 1,554 (1,876) 3,000 1,441 4,119
’21 (690) 580 1,280 1,105 2,275
’20 (1,327) (86) 658 866 111
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 237 705 — — —
’25 (227) 853 1,661 (250) 2,037
’24 544 804 96 435 1,879
’23 1,102 83 982 622 2,789
’22 1,503 (1,881) 2,915 1,456 3,993
’21 (700) 558 1,253 1,040 2,151
’20 (1,343) (123) 712 747 (7)
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 1.13 1.30 — — —
’25 0.77 0.92 1.05 1.13 3.86
’24 0.65 0.78 0.77 0.83 3.03
’23 1.00 0.92 0.85 0.34 3.13
’22 0.93 0.67 1.23 1.25 4.10
’21 1.37 1.44 1.18 1.17 5.16
’20 0.03 0.53 0.68 0.99 2.22
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

1.5
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
18.04 31.51 27.62 29.27 14.12 34.92 32.66 22.77 30.24 32.60

Analyst estimates 2026–2028

Powerpack
Low Price
36.56 42.93 48.23 40.92 41.29 51.54 57.00 44.82 49.25 60.10
High Price
17,600 17,600 18,100 18,000 17,407 17,463 18,889 17,570 17,287 17,398
Employees
0 0 0 0 0 0 0 1 1 1
Revenue/Emp
5,763 6,454 7,354 8,066 7,676 6,986 9,069 12,187 12,362 12,057
Revenue
91.19% 88.43% 83.33% 80.47% 89.96% 95.15% 88.44% 67.48% 63.17% 68.40%
Gross Margin
1,534 1,912 2,183 2,251 1,298 2,977 2,655 2,030 1,888 2,328
EBT
26.62% 29.63% 29.68% 27.91% 16.91% 42.61% 29.28% 16.66% 15.27% 19.31%
EBT Margin
1,045 1,652 1,721 1,791 1,057 2,319 2,073 1,608 1,509 1,831
Net Income
515 487 489 633 578 625 565 478 498 478
Depreciation
11.04 12.85 15.36 17.94 17.97 16.41 19.05 25.65 27.43 27.83
Revenue/Sh
1.97 3.26 3.54 3.82 2.22 5.18 4.12 3.14 3.05 3.90
Earnings/Sh
2.85 3.75 3.69 3.77 0.26 5.34 8.65 6.23 4.44 5.10
Cash Flow/Sh
(0.57) (0.88) (0.48) (0.21) (0.28) (0.29) (0.26) (0.36) (0.27) (0.40)
Capex/Sh
2.28 2.87 3.21 3.56 (0.02) 5.05 8.39 5.87 4.17 4.70
Free CF/Sh
37.82 40.37 43.48 49.37 53.09 55.02 49.77 51.24 53.82 60.75
Book Value/Sh
522 502 479 450 427 426 476 475 451 433
Shares
18.11 13.05 8.40 10.63 16.04 9.12 9.62 10.74 14.35 14.94
PE Ratio
3.25 3.32 1.94 2.26 1.99 2.88 2.07 1.31 1.60 2.10
PS Ratio
0.96 1.07 0.71 0.89 0.74 0.94 0.87 0.71 0.89 1.05
PB Ratio
4.75 4.64 3.53 3.55 1.38 2.52 2.63 1.42 1.69 1.89
EV/Sales
23.00 20.77 20.03 21.02 (42.83) 9.19 6.36 6.81 12.74 12.71
EV/FCF
1,490 1,883 1,767 1,697 111 2,275 4,119 2,961 2,001 2,211
Op' Cash Flow
(300) (440) (232) (95) (118) (124) (126) (172) (122) (174)
Capex
1,190 1,443 1,535 1,602 (7) 2,151 3,993 2,789 1,879 2,037
FCF
(2,962) (4,437) 68 (738) (9,718) (15,088) (14,216) (21,174) (25,540) (27,736)
Working Cap'
12,790 11,765 15,925 14,047 8,346 6,932 15,887 13,467 12,401 11,224
Total Debt
8,647 8,541 11,703 10,364 (4,693) (2,542) 5,037 1,434 1,165 (2,464)
Net Debt
19,747 20,270 20,817 22,201 22,673 23,420 23,690 24,342 24,254 26,317
Sh' Equity
0.72% 1.09% 1.08% 1.05% 0.54% 1.19% 0.94% 0.66% 0.62% 0.76%
ROA
3.38% 4.15% 4.20% 4.32% 4.51% 8.91% 5.78% 4.92% 4.64% 6.10%
ROIC
5.30% 8.29% 8.46% 8.46% 4.60% 10.48% 9.10% 6.78% 6.17% 7.28%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Citizens Financial Group, Inc. peers in Banks Regional

All 325 Banks Regional stocks →

CFG metrics, ten years each

Citizens Financial Group, Inc. (CFG) key facts

  • Citizens Financial Group, Inc. (CFG) is a Banks Regional company in the Financial sector, listed on the New York Stock Exchange.
  • Citizens Financial Group, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $12.1 billion, down 2.47% from fiscal 2024.
  • As of September 25, 2026, CFG traded at $65.53, a market capitalization of $28.2 billion.
  • Citizens Financial Group, Inc. pays an annual dividend of $1.68 per share, a yield of 5.45%, with a payout ratio of 37.8%.
  • Return on equity was 7.28% and debt-to-equity 0.58.

Source: company filings (standardised) and stockrow calculations.

Citizens Financial Group, Inc. (CFG) Latest News

News by impact score

Fine-tune

22 Sep

4

Citizens Financial Group (CFG) is a Providence-based large-cap bank with about $28.4B market cap, offering retail and commercial banking, loans, deposits, mortgage finance, asset management, and trust services. It relies on roughly 1,000 branches and a strong Northeast footprint with multi-channel and digital platforms, supported by Citizens Private Bank and record capital markets activity. Tailwinds include net interest margin expansion, efficiency from the Reimagine the Bank program, and improving credit metrics with reduced CRE exposure. CFG is up 15.3% YTD and 25.8% over the past 52 weeks but 10.6% below its Aug. 17 52-week high of $75.33; it trades above its 200-day MA but below its 50-day MA since late August. Analysts are bullish with a Strong Buy consensus and a mean target of $80.75 (about 19.9% upside). Fifth Third lags CFG; Neha Panjwani reported no positions. Strong buy consensus and an upside target near 20% signal meaningful upside potential and positive sentiment.

27 Aug

3

Citizens Financial Group acquires two Tampa-based wealth management firms for $1 billion to expand its wealth division. $1 billion acquisition advances wealth management expansion with moderate effects on operations and positioning.

26 Aug

3

Citizens Private Wealth recruited a financial advisory duo managing $1 billion in assets from Northern Trust. Recruitment of advisors with $1 billion AUM bolsters Citizens wealth management revenue and competitive stance in private banking.

24 Aug

4

Citizens Financial Group, Inc. (CFG) pursues efficiency initiatives projected to generate over $450M in benefits by 2028. Efficiency initiatives targeting over $450M in benefits represent major strategic moves that could significantly improve CFG's financial performance and trajectory.

21 Aug

4

Citizens Financial Group (CFG) Q2 results place the bank amid regional peers with metrics on loans, deposits, net interest income and credit costs showing moderate growth and stable asset quality. Q2 earnings data directly shapes near-term valuation and guidance expectations for CFG.

17 Aug

3

Citizens Financial Group reports Q2 earnings, prompting buy, sell or hold analysis for CFG stock. Q2 earnings trigger moderate investor reassessment of CFG trajectory.

27 Jul

3

Citizens Financial Group is making strategic investments in digital assets to expand its footprint in financial technology. Digital asset initiatives may moderately boost Citizens' innovation and competitive stance in banking.

24 Jul

4

Bruce Van Saun united Citizens Financial Group to challenge America’s largest banks via cohesive strategy and operations that strengthened its market position. Leadership unification under Bruce Van Saun strengthens Citizens Financial Group competitive positioning against major banks and may shift its market trajectory.

23 Jul

3

Citizens Bank closes more than 100 supermarket branches and plans to open additional standalone branches. Branch closures paired with new standalone openings mark a strategic operational shift that may influence costs and customer reach.

3 transcript

Citizens Financial (CFG) released Q2 2026 earnings call transcript covering quarterly results, management commentary, and forward outlook. Earnings call transcript supplies performance data that may shift short-term investor views without altering long-term strategy.

20 Jul

3

Citigroup outlines cost reductions, revenue initiatives in consumer and institutional segments plus capital optimization to hit medium-term ROTCE targets. Medium-term ROTCE plans can shift profitability expectations and investor sentiment for the bank.

17 Jul

3

Citizens Financial Group beat Q2 earnings expectations and reaffirmed guidance, with questions raised on whether the stock is fully valued. Q2 earnings beat with reaffirmed guidance moderately influences CFG stock performance and near-term investor sentiment.

3 transcript

Citizens Financial Group, Inc. presented Q2 2026 financial results and outlook during its earnings call. Quarterly earnings figures and guidance directly affect near-term valuation and trading activity.

16 Jul

4

CFG beat Q2 earnings expectations on stronger net interest income and fee income, raised its net interest margin outlook, and lifted its stock price. Q2 earnings beat plus raised NIM guidance signal stronger financial performance that typically moves valuation and investor sentiment.

3

Citizens Financial Group Inc (CFG) posted strong EPS and revenue in Q2 2026. Strong Q2 2026 EPS and revenue results are likely to boost investor sentiment and support near-term stock performance for Citizens Financial Group.

3 transcript

Citizens Financial Group reported Q2 results during its earnings call, covering financial performance, loan growth, net interest margins and management outlook on economic conditions and capital returns. Quarterly earnings calls provide moderate updates on financial metrics and guidance that can influence near-term stock sentiment without fundamentally altering long-term trajectory.

3

Citizens Financial Group reported Q2 earnings with analysis of key financial metrics against analyst estimates. Q2 earnings metrics versus estimates can shift short-term investor sentiment and stock valuation for CFG.

3

Citizens Financial Group exceeded second-quarter forecasts with higher revenue and profit. Quarterly earnings beat supports improved financial performance without altering long-term trajectory.

3

Citizens Financial Group’s Q2 CY2026 sales exceeded analyst estimates. Quarterly sales beat signals better-than-expected revenue for CFG without indicating major strategic shifts.

3

Citizens Financial Group reported second quarter 2026 net income of $587 million, up 35% year-over-year. EPS reached $1.30, up 41% year-over-year and 15% quarter-over-quarter. Quarterly earnings growth provides moderate positive signal for near-term financial performance and investor sentiment.

14 Jul

3

Citizens Financial Group (CFG) prepares Q2 earnings release with focus on revenue, EPS, loan growth, deposit trends and net interest margin. Earnings preview may shape near-term investor expectations around CFG financial results without altering long-term strategy.

3

NII and loan growth are set to support Citizens Financial Group Inc.'s Q2 earnings despite expense pressures. NII and loan growth point to moderate earnings support offset by expense pressures.

9 Jul

3

Citizens Financial Group (CFG) earnings are projected to grow, prompting evaluation of potential stock purchase. Projected earnings growth may moderately influence CFG investor sentiment and near-term stock performance.

23 Jun

4

Citizens Financial Group, Inc. (CFG) hires an $800 million advisor team from Morgan Stanley. Hiring an $800 million advisor team represents a major strategic move to expand wealth management operations and alter competitive positioning.

7 Jun

3

Citizens Financial Group (CFG) valuation is assessed following a sector rally driven by expanding net interest margins. Sector rally from expanding net interest margins produces moderately noticeable effects on CFG valuation and market performance.

21 May

3

Citizens Financial Group examines efficiency improvements through cost cuts, assessing whether such measures can elevate its return on tangible common equity to targeted levels amid ongoing operational reviews. Cost-cutting focus may produce moderate gains in efficiency metrics and ROTCE for Citizens Financial Group but remains unlikely to drive major strategic shifts.

3

Citizens Financial (CFG) faces slower growth, raising questions if improved investor communication offsets the trend or signals deeper operational strains. Questions around CFG growth and strains may moderately sway investor views and short-term stock movement.

18 May

4

Citizens Financial Group expands private banking operations, with the move positioned as a potential long-term growth driver but also carrying risks of added near-term costs and execution challenges. Private banking expansion is a major strategic initiative likely to alter CFG's revenue mix and competitive position over time.

10 May

4

Citizens Financial Group (CFG) beat Q1 expectations with strong results and expanded its private banking operations, prompting a fresh valuation analysis. Strong Q1 earnings beat and private bank expansion represent major positive financial and strategic developments boosting future performance and investor sentiment.

4

Citizens Financial Group CEO highlights robust private bank growth and announces $450 million AI investment to drive operational efficiencies. Private bank expansion targets high-margin growth while $450M AI push promises substantial cost savings and competitive edge.

stockrow.com/CFG · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com