Citizens Financial Group, Inc. CFG
- Market cap
- $28.2B
- P/E
- 14.1×
Follow CFG
Target Price Range
Analyst price targets
Free account| 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
|
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| 36.56 | 42.93 | 48.23 | 40.92 | 41.29 | 51.54 | 57.00 | 44.82 | 49.25 | 60.10 |
High Price
|
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| 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
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| 1,534 | 1,912 | 2,183 | 2,251 | 1,298 | 2,977 | 2,655 | 2,030 | 1,888 | 2,328 |
EBT
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|||
| 26.62% | 29.63% | 29.68% | 27.91% | 16.91% | 42.61% | 29.28% | 16.66% | 15.27% | 19.31% |
EBT Margin
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| 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
|
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| 3.25 | 3.32 | 1.94 | 2.26 | 1.99 | 2.88 | 2.07 | 1.31 | 1.60 | 2.10 |
PS Ratio
|
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| 0.96 | 1.07 | 0.71 | 0.89 | 0.74 | 0.94 | 0.87 | 0.71 | 0.89 | 1.05 |
PB Ratio
|
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| 4.75 | 4.64 | 3.53 | 3.55 | 1.38 | 2.52 | 2.63 | 1.42 | 1.69 | 1.89 |
EV/Sales
|
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| 23.00 | 20.77 | 20.03 | 21.02 | (42.83) | 9.19 | 6.36 | 6.81 | 12.74 | 12.71 |
EV/FCF
|
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| 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
|
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| 1,190 | 1,443 | 1,535 | 1,602 | (7) | 2,151 | 3,993 | 2,789 | 1,879 | 2,037 |
FCF
|
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| (2,962) | (4,437) | 68 | (738) | (9,718) | (15,088) | (14,216) | (21,174) | (25,540) | (27,736) |
Working Cap'
|
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| 12,790 | 11,765 | 15,925 | 14,047 | 8,346 | 6,932 | 15,887 | 13,467 | 12,401 | 11,224 |
Total Debt
|
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| 8,647 | 8,541 | 11,703 | 10,364 | (4,693) | (2,542) | 5,037 | 1,434 | 1,165 | (2,464) |
Net Debt
|
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| 19,747 | 20,270 | 20,817 | 22,201 | 22,673 | 23,420 | 23,690 | 24,342 | 24,254 | 26,317 |
Sh' Equity
|
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| 0.72% | 1.09% | 1.08% | 1.05% | 0.54% | 1.19% | 0.94% | 0.66% | 0.62% | 0.76% |
ROA
|
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| 3.38% | 4.15% | 4.20% | 4.32% | 4.51% | 8.91% | 5.78% | 4.92% | 4.64% | 6.10% |
ROIC
|
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| 5.30% | 8.29% | 8.46% | 8.46% | 4.60% | 10.48% | 9.10% | 6.78% | 6.17% | 7.28% |
ROE
|
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Citizens Financial Group, Inc. peers in Banks Regional
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| BBDO Banco Bradesco SA | $28.5B | 7.3× | Compare |
| BAP Credicorp Ltd. | $30.4B | 14.3× | Compare |
| HBAN Huntington Bancshares Incorporated | $31.0B | 11.8× | Compare |
| MTB M&T Bank Corporation | $31.6B | 11.6× | Compare |
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| RF Regions Financial Corporation | $23.2B | 11.1× | Compare |
| FCNCA First Citizens BancShares, Inc. | $22.9B | 11.2× | Compare |
| KEY KeyCorp | $21.6B | 11.9× | Compare |
| SHG Shinhan Financial Group Co Ltd | $37.0B | 10.9× | Compare |
CFG metrics, ten years each
- Revenue
- Net income
- Free cash flow
- Operating cash flow
- Gross margin
- Operating margin
- Net margin
- Free cash flow margin
- P/E ratio
- P/S ratio
- P/B ratio
- Price to free cash flow
- EV/EBITDA
- EV/Sales
- Return on equity
- Return on assets
- Return on invested capital
- Debt to equity
- Current ratio
- Total debt
- Shares outstanding
- Book value per share
- Revenue growth
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.
Citizens Financial Group, Inc. (CFG) Latest News
22 Sep
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
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
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
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
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
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
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
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
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.
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
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
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.
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
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.
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.
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.
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.
Citizens Financial Group exceeded second-quarter forecasts with higher revenue and profit. Quarterly earnings beat supports improved financial performance without altering long-term trajectory.
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.
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
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.
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
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
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
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
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.
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
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
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.
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.