Citizens Financial Group Inc. (CFG)

NYSE: CFG · USD

$65.3

-0.05 (-0.1%)· Recorded snapshot

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StockMarketAgent Research · Analyzed 2026-10-05

Our latest published analysis: CFG rated Hold

Citizens Financial Group Inc.'s published Hold conclusion compares the analysis-date price with fair value and potential value. Read the full report for assumptions, evidence, and material risks.

Fair value

$64.1 / share

Potential value

$107 / share

Upside to FV

-0.7%

from $65.3

Moat

5.5/10

Narrow

Read full analysis →View archive · 24mo

9-phase methodology · same model in each published edition

Market cap	$27.2B
Revenue (ttm)	8.4B
Net income (ttm)	2.1B
EPS (ttm)	$4.95
Shares out	421.2M
P/E (trailing)	13.2x
P/E (forward)	9.9x
Dividend	$2.08 (3.19%)
Volume	2,318,012
Beta	1.06

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 8.4B
Net income (ttm): 2.1B
EPS (ttm): $4.95
P/E (trailing): 13.2x
P/E (forward): 9.9x
Market cap: $27.2B

Item	P1	P2	P3	P4	P5	Trend
Period	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31	Trend
Revenue	$1.33B	$1.30B	$1.27B	$1.53B	$1.64B	+5.4%
Gross profit	$7.06B	$7.55B	$7.54B	$7.11B	$7.78B	+2.5%
Operating income	$2.98B	$2.66B	$2.03B	$1.89B	$2.33B	-6.0%
Net income	$2.32B	$2.07B	$1.61B	$1.51B	$1.83B	-5.7%
EPS (diluted)	$5.16	$4.10	$3.13	$3.03	$3.86	-7.0%
EBITDA	$3.60B	$3.22B	$2.51B	$2.39B	$2.69B	-7.0%
R&D	—	—	—	—	—	—
SG&A	$2.20B	$2.65B	$2.76B	$2.82B	$2.93B	+7.4%

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	Mua mạnh
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Mua mạnh
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Giữ
AJG	Arthur J. Gallagher & Co.	66.7B	43.2x	4.4x	6.6%	+15.3%	-5.7%	Mua
ALL	The Allstate Corporation	63.2B	5.0x	0.9x	32.6%	+8.5%	+31.8%	Mua mạnh
AMP	Ameriprise Financial, Inc.	43.1B	11.8x	2.2x	43.0%	+8.9%	+1.1%	Mua

Base and Bull scenarios

Base50%

Price target

$64.11

-0.7% from spot

The Base case models a steady regional banking recovery with a target of $64.11, carrying an estimated probability of 50.0% and an implied return of -0.7% relative to $64.57. For this path to hold, Citizens must sustain net new deposit inflows through its Private Bank and affluent household relationships, keeping interest-bearing deposit costs contained while contractual loan and securities repricing expands operating margins. The house rating of Hold reflects Fair value of $64.11, indicating the shares trade near intrinsic value. Disconfirmation would occur if deposit competition forces cumulative deposit betas significantly higher or if commercial office charge-offs accelerate, which investors would observe through quarterly earnings releases over the next several fiscal quarters.

Consensus diluted earnings expectations achieve projected base targets for FY2026 and FY2027
Operating efficiency ratio steadily improves toward management medium-term target range
Core deposit growth continues to fund retail lending without excessive wholesale borrowing

Bull25%

Price target

$107.01

+65.7% from spot

The Bull case envisions accelerated operating leverage delivering a target of $107.01, carrying an estimated probability of 25.0% and an implied return of 65.7%, aligned with Potential value of $107.01. For this scenario to materialize, consumer deposit costs must remain subdued while fixed-rate asset repricing exceeds expectations, propelling the operating efficiency ratio into the low-fifties and lifting return on tangible common equity well above management guidance. Disconfirmation would arise if corporate lending spreads face renewed compression or if deposit inflows stall, visible through margin metrics in upcoming financial disclosures.

Diluted earnings per share reaches the high end of consensus expectations for FY2027
Operating efficiency ratio drops into the low-fifties as asset repricing expands margins
Private Bank expansion drives outsized net new deposit capture across affluent markets

Sensitivity: Ke × terminal growth

The highlighted cell is Fair value when every assumption sits at its base level ($64.11). Each row and column shows what Fair value becomes when one assumption moves.

Ke ↓ / g →	2.0%	2.3%	2.5%	2.8%	3.0%
7.7%	$69.1	$70.6	$72.2	$73.9	$75.9
8.2%	$65.3	$66.5	$67.8	$69.3	$70.8
8.7%	$62.0	$63.0	$64.1	$65.3	$66.6
9.2%	$59.1	$59.9	$60.9	$61.9	$63.0
9.7%	$56.5	$57.2	$58.0	$58.9	$59.8

Scorecard

Published factor rows and weighted composite

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E9.9

P25 n/aP50 n/aP75 n/a

Trailing P/E14

P25 n/aP50 n/aP75 n/a

ROE8.9

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All CFG indicators

Market & fundamental data

Available fields

241

Groups with data

Currency

USD

Showing 241 of 241 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0000759944
Company name	Citizens Financial Group, Inc.
Country	United States
Country code	US
CUSIP number	174610105
Earnings date	2026-10-16
Earnings time	bmo
Employees	17,609
Employees change	211
Employees growth	1.21%
Enterprise value	$31.8B
Exchange	NYSE
Financial currency	USD
Financial report date	2026-09-30
First seen	2026-05-09
Fiscal year end	December
Founded	1828
In index	SP500
Industry	Banks - Regional
IPO date	2014-09-24
Is primary listing	Yes
Is SPAC	No
ISIN number	US1746101054
Last 10-K release date	2026-02-12
Last earnings date	2026-10-16
Last refreshed	2026-10-28
Last stock split type	Never
Market cap	$27.5B
Market cap category	Large-Cap
Next earnings date	2027-01-20
Options	Yes
Price	$65.26
Price currency	USD
Sector	Financials
SIC code	6022
Stock price date	2026-10-28
Symbol	CFG
U.S. state	Rhode Island
Website	https://www.citizensbank.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Adjusted P/E ratio	13.13x
Average P/E ratio (10Y)	11.5x
Average P/E ratio (3Y)	13.64x
Average P/E ratio (5Y)	11.56x
Earnings yield	7.59%
EV/Earnings	14.93x
EV/FCF	13.49x
EV/Sales	3.78x
FCF / EV yield	7.41%
FCF yield	8.56%
Forward EV/Sales	3.24x
Forward P/E	10.57x
Forward P/S	2.8x
Graham number	77.89989
Graham upside	19.42%
Industry forward P/E	9.97x
Industry P/E	11.81x
Lynch fair value	$24.75
Lynch upside	-62.06%
P/B ratio	1.2x
P/E ratio	13.18x
P/FCF ratio	11.68x
P/OCF ratio	10.99x
P/S ratio	3.27x
PEG ratio	0.43x
Price / tangible book value	1.88x
Sector forward P/E	13.61x
Sector P/E	15.65x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Effective tax rate	21.41%
FCF margin	28.83%
Operating margin	34.07%
Pretax margin	34.38%
Profit margin	27.02%
Profit per employee	$120,734
Profitable quarters	52
Profitable years	12
Revenue per employee	$476,688
ROA	0.99%
ROA (5Y)	0.9%
ROE	8.9%
ROE (5Y)	7.8%
Tax / revenue	7.36%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	38.61%
EPS growth (Q)	34.29%
EPS growth (QoQ)	8.46%
EPS growth 10Y	10.4%
EPS growth 3Y	7.03%
EPS growth 5Y	-0.12%
EPS growth quarters	7
EPS growth years	1
FCF growth	103.37%
FCF growth 3Y	-24.9%
FCF growth 5Y	12.31%
Net income growth	33.1%
Net income growth (Q)	28.75%
Net income growth (QoQ)	8.12%
Net income growth 3Y	2.87%
Net income growth 5Y	-0.06%
Net income growth quarters	7
Net income growth years	1
OCF growth	94.48%
OCF growth 10Y	5.84%
OCF growth 3Y	-24.09%
OCF growth 5Y	12.08%
Revenue growth	12.78%
Revenue growth (Q)	11.86%
Revenue growth (QoQ)	2.23%
Revenue growth 10Y	5.79%
Revenue growth 3Y	2.67%
Revenue growth 5Y	4.01%
Revenue growth quarters	5
Revenue growth years	1

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-148M
EPS	$4.95
FCF per share	$5.59
Financing cash flow	$12.4B
Free cash flow	$2.4B
Gross profit	$8.4B
Income taxes	$618M
Investing cash flow	$-10.7B
Net borrowing	$3.5B
Net cash flow	$4.2B
Net income	$2.1B
Operating income	$2.9B
Revenue	$8.4B

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	$54.49
Debt / equity	0.71
Debt / FCF	7.58
Goodwill	$8.2B
Net cash (debt)	$-4.3B
Net cash / market cap	-15.56%
Net debt / equity	0.17
Net debt / FCF	1.82
Piotroski F-Score	4
Property, plant and equipment	$883M
Shareholders' equity	$25.2B
Tangible book value	$14.6B
Tangible book value per share	$34.74
Total assets	$234.5B
Total cash	$13.6B
Total debt	$17.8B
Total liabilities	$209.3B
WACC	6.12%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	$-171.6B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	2.42%
Dividend growth	10.47%
Dividend growth (10Y)	15.24%
Dividend growth (3Y)	4.19%
Dividend growth (5Y)	4.02%
Dividend growth years	1
Dividend payment date	2026-11-13
Dividend payment years	13
Dividend payout frequency	Quarterly
Dividend per share	$2.08
Dividend yield	3.19%
Ex-dividend date	2026-10-30
FCF payout ratio	37.23%
Last dividend	$0.52
Payout ratio	42.02%
Shareholder yield	5.61%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	142.84%
10Y return CAGR	13.46%
10Y total return	253.31%
150-day SMA	$66.79
1D price change	-0.08%
1M price change	-0.43%
1M total return	-0.43%
1W price change	0.57%
1W total return	0.57%
1Y price change	25.7%
1Y return CAGR	29.5%
1Y total return	29.48%
20-day SMA	$64.10
200-day SMA	$65.54
3M price change	-8.23%
3M total return	-7.63%
3Y price change	185.31%
3Y return CAGR	47.63%
3Y total return	221.87%
50-day SMA	$66.66
50-day SMA vs 200-day SMA	50over200
52-week high	$75.33
52-week high date	2026-08-17
52-week low	$49.00
52-week low date	2025-11-18
5Y price change	37.05%
5Y return CAGR	10.97%
5Y total return	68.28%
6M price change	0.73%
6M total return	2.11%
All-time high	$75.33
All-time high date	2026-08-17
All-time low	$14.12
All-time low date	2020-03-18
Average true range (ATR)	$1.32
Average volume	4.9M
Beta (1Y)	0.35
Beta (2Y)	1.09
Beta (5Y)	1.06
Change from 52-week high	-13.37%
Change from 52-week low	33.17%
Change from all-time high	-13.38%
Change from all-time low	362.11%
Change from open	-0.31%
Day's gap	0.23%
Dollar volume	$151.3M
High price	$65.65
Low price	$65.00
Monthly RSI	61.44
Open price	$65.46
Position in 52-week range	39.23%
Premarket change	-0.09%
Premarket close	$65.31
Premarket price	$65.25
Previous close	$65.31
Price vs 150-day SMA	-2.3%
Price vs 20-day SMA	1.8%
Price vs 200-day SMA	-0.44%
Price vs 50-day SMA	-2.11%
Relative volume	0.48
RSI	51.3
Sharpe ratio	0.99
Sharpe ratio (3Y)	1.26
Sharpe ratio (5Y)	0.32
Sortino ratio	1.72
Sortino ratio (3Y)	2.13
Sortino ratio (5Y)	0.63
Volume	2.3M
Weekly RSI	48.29
YTD price change	11.71%
YTD total return	14.04%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	417.1M
Float percentage	99.02%
Shares change (QoQ)	-0.24%
Shares change (YoY)	-2.42%
Shares held by insiders	0.88%
Shares held by institutions	98.67%
Shares outstanding	421.2M
Short % of float	4.07%
Short % of shares	4.03%
Short ratio	4.3 days

Deeper analysis on CFG

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

→

Risks

Kill scenarios, soft-pass flags, and downside catalysts.

→

Earnings

Next earnings setup and beat / inline / miss thresholds.

→

Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

→

Financials

Revenue, margins, cash flow, and balance-sheet context.

→

Peers

Relative valuation and profitability against the cohort.

→

Moat

Economic-profit evidence and competitive advantage risk.

→

Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Quote this valuation with its source: Fair value, Potential value and the price at analysis.

Frequently asked questions

About this CFG report

What is the latest published CFG stock rating?

Citizens Financial Group Inc. is shown with Hold in the latest published report, analyzed 2026-10-05. The hub links directly to the full analysis surface where the dated rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full CFG analysis?

The full latest published report, analyzed 2026-10-05, lives at /stocks/CFG/analysis. The bare ticker page summarizes that read and links to each analysis tab; earlier editions remain under /analysis/archive.

What fair value is used for CFG?

The latest published report analyzed 2026-10-05 gives CFG a fair value of USD 64 and a potential value of USD 107. These are dated research outputs, not live market prices; review the valuation assumptions, sensitivity analysis, and material risks before making a decision.

How often is the CFG page updated?

The hub selects the latest published stock report regardless of age and displays its analysis date (2026-10-05). Separately sourced market data is labeled with its own recorded timestamp and is never inferred from the report.

HoldCFG · Fair value $64.1-0.7%

Read full analysis →

Citizens Financial Group Inc. (CFG)

Our latest published analysis: CFG rated Hold

Price

Financial snapshot

Fair-value bridge

Latest news · CFG

Valuation

Profitability

Balance sheet

Trading

Base and Bull scenarios

Sensitivity: Ke × terminal growth

Scorecard

Next earnings

Sector percentile context

All CFG indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on CFG

Frequently asked questions

Lịch sử xếp hạng

Category	Score	Reading
Valuation	4.5
Management	6.5
Balance Sheet	5.0
Profitability	6.5
Revenue Growth	6.0
Risk Assessment	6.0
Competitive Moat	5.5
Earnings Quality	9.0
Capital Efficiency	4.0