VCP ScannerFree US Stock Screener & Financial AnalysisFree US Stock Screener
ScreenerThemesMarketEarningsCompareWatchlistInsider
CFGCitizens Financial Group, Inc.
$67.08$29.2B
Research
OverviewAnalysis
Valuation
ValuationTargetsPrice
Financials
RevenueEarningsP/ERatiosDividend
Ownership
Holders
Tools
Total ReturnDCA Calculator
← Back to Screener
VCP ScannerFree US Stock Screener & Financial Analysis

Find stocks. Verify deeply. Act with conviction.

Data updated daily

Product

  • Screener
  • Themes
  • Valuation
  • Total Return
  • DCA Calculator
  • News
  • Earnings

Resources

  • Market Valuation
  • Compare
  • Insider Activity
  • Methodology
  • How It Works
  • Glossary
  • Learn

Get Ideas

Get weekly stock ideas — free

Follow VCP Scanner on XFollow VCP Scanner on LinkedIn
© 2026 VCP Scanner
AboutPrivacyTerms
Not financial advice. Do your own research.
ScreenerNewsCompareWatchlist

CFG logoCitizens Financial Group, Inc.(CFG)Earnings, Financials & Key Ratios

CFG•NYSE•Banking & Credit
17.4× P/E·Price updated Jun 19, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutCitizens Financial Group, Inc. operates as the bank holding company for Citizens Bank, National Association that provides retail and commercial banking products and services to individuals, small businesses, middle-market companies, corporations, and institutions in the United States. The company operates in two segments, Consumer Banking and Commercial Banking. The Consumer Banking segment offers deposit products, mortgage and home equity lending products, credit cards, business loans, wealth management, and investment services; and auto, education, and point-of-sale finance loans, as well as digital deposit products. This segment serves its customers through telephone service centers, as well as through its online and mobile platforms. The Commercial Banking segment provides various financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange, and interest rate and commodity risk management solutions, as well as syndicated loans, corporate finance, mergers and acquisitions, and debt and equity capital markets services. This segment serves government banking, not-for-profit, healthcare, technology, professionals, oil and gas, asset finance, franchise finance, asset-based lending, commercial real estate, private equity, and sponsor finance industries. It operates approximately 1,200 branches in 14 states and the District of Columbia; 114 retail and commercial non-branch offices in national markets; and approximately 3,300 automated teller machines. The company was formerly known as RBS Citizens Financial Group, Inc. and changed its name to Citizens Financial Group, Inc. in April 2014. Citizens Financial Group, Inc. was founded in 1828 and is headquartered in Providence, Rhode Island.Show more
  • Net Interest Income$5.85B+3.9%
  • Total Revenue$11.15B-9.7%
  • Net Income$1.83B+21.3%
  • Return on Equity7.24%+16.6%
  • Net Interest Margin2.59%-0.1%
  • Efficiency Ratio48.87%+15.6%
  • ROA0.83%+20.1%
  • Equity / Assets11.63%+4.3%
  • Book Value per Share60.43+13.0%

CFG Key Insights

Citizens Financial Group, Inc. (CFG) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong Piotroski F-Score: 8/9
  • ✓Efficient operations: 48.9% efficiency ratio
  • ✓Well capitalized: 11.6% equity/assets
  • ✓Healthy dividend yield of 2.6%
  • ✓Share count reduced 4.0% through buybacks
  • ✓Trading near 52-week high

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

Get notified when CFG posts new earnings or crosses analyst targets

Free. No account needed. Unsubscribe any time.

Free. Unsubscribe any time.

CFG Price & Volume

Citizens Financial Group, Inc. (CFG) stock price & volume — 10-year historical chart

Loading chart...

CFG Growth Metrics

Citizens Financial Group, Inc. (CFG) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years7.77%
5 Years7.75%
3 Years7.12%
TTM-

Profit CAGR

10 Years8.1%
5 Years11.62%
3 Years-4.05%
TTM21.34%

EPS CAGR

10 Years9.55%
5 Years11.7%
3 Years-1.99%
TTM27.39%

Return on Capital

10 Years5.48%
5 Years5.93%
3 Years4.84%
Last Year5.56%

CFG Recent Earnings

Citizens Financial Group, Inc. (CFG) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 6/12 qtrs (50%)●Beat Revenue 7/12 qtrs (58%)
Q2 2026Latest
Apr 16, 2026
Metric
Actual
Est
EPS
$1.13+3.7%
$1.09
Rev
$2.2B+0.2%
$2.2B
Q1 2026
Jan 21, 2026
Metric
Actual
Est
EPS
$1.13+2.7%
$1.10
Rev
$2.2B+0.3%
$2.2B
Q4 2025
Oct 15, 2025
Metric
Actual
Est
EPS
$1.05+1.9%
$1.03
Rev
$2.1B+0.9%
$2.1B
Q3 2025
Jul 17, 2025
Metric
Actual
Est
EPS
$0.92+4.2%
$0.88
Rev
$2.0B+1.4%
$2.0B
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 16, 2026
$1.13vs $1.09+3.7%
$2.2Bvs $2.2B+0.2%
Q1 2026Jan 21, 2026
$1.13vs $1.10+2.7%
$2.2Bvs $2.2B+0.3%
Q4 2025Oct 15, 2025
$1.05vs $1.03+1.9%
$2.1Bvs $2.1B+0.9%
Q3 2025Jul 17, 2025
$0.92vs $0.88+4.2%
$2.0Bvs $2.0B+1.4%
Based on last 12 quarters of dataView full earnings history →

CFG Peer Comparison

Citizens Financial Group, Inc. (CFG) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
RF logoRFRegions Financial CorporationDirect Competitor25.19B28.6212.502.51%22.44%11.43%0.26
HBAN logoHBANHuntington Bancshares IncorporatedDirect Competitor26.69B16.8612.134.38%17.71%10.04%0.76
KEY logoKEYKeyCorpDirect Competitor24.74B22.5914.8623.56%16.35%9.26%0.54
MTB logoMTBM&T Bank CorporationDirect Competitor35.24B225.1213.24-8.18%23.16%9.88%0.45
FITB logoFITBFifth Third BancorpDirect Competitor35.29B52.7414.90-1.4%19.61%11.96%0.67
CMA logoCMAComerica IncorporatedDirect Competitor11.35B88.6716.76-3.91%15.07%9.96%0.70
ZION logoZIONZions Bancorporation, National AssociationDirect Competitor9.73B66.1711.01-0.98%18.18%13.33%0.61
USB logoUSBU.S. BancorpProduct Competitor90.47B58.1412.610.35%17.68%12.03%1.19

Compare CFG vs Peers

Citizens Financial Group, Inc. (CFG) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs RF

Most directly comparable listed peer for CFG.

Scale Benchmark

vs V

Larger-name benchmark to compare CFG against a more recognizable public peer.

Peer Set

Compare Top 5

vs RF, HBAN, KEY, MTB

CFG Income Statement

Citizens Financial Group, Inc. (CFG) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income
4.17B4.53B4.61B4.59B4.51B6.01B6.24B5.63B5.85B
NII Growth %
11.04%8.6%1.81%-0.61%-1.61%33.24%3.81%-9.74%3.91%
Net Interest Margin %
2.74%2.82%2.78%2.5%2.39%2.65%2.81%2.59%2.59%
Interest Income
4.92B5.76B6.19B5.36B4.85B7.06B10.2B10.19B9.66B
Interest Expense
747M1.23B1.57B771M339M1.05B3.96B4.55B3.81B
Loan Loss Provision
321M326M393M1.62B-411M474M687M687M-438M
Non-Interest Income
1.53B1.6B1.88B2.32B2.13B2.01B1.98B2.16B1.49B
Non-Interest Income %
23.77%21.7%23.27%30.21%30.56%22.15%16.27%17.5%13.32%
Total Revenue
6.45B▲ 0%
7.35B▲ 13.9%
8.07B▲ 9.7%
7.68B▼ 4.8%
6.99B▼ 9.0%
9.07B▲ 29.8%
12.19B▲ 34.4%
12.35B▲ 1.3%
11.15B▼ 9.7%
Revenue Growth %
11.99%13.94%9.68%-4.84%-8.99%29.82%34.38%1.31%-9.71%
Non-Interest Expense
3.47B3.62B3.85B3.99B4.08B4.89B5.51B5.22B5.45B
Efficiency Ratio
53.83%49.21%47.69%51.99%58.42%53.94%45.19%42.27%48.87%
Operating Income
1.91B▲ 0%
2.18B▲ 14.2%
2.25B▲ 3.1%
1.3B▼ 42.3%
2.98B▲ 129.4%
2.65B▼ 10.8%
2.03B▼ 23.5%
1.89B▼ 7.0%
2.33B▲ 23.3%
Operating Margin %
29.63%29.68%27.91%16.91%42.61%29.28%16.66%15.29%20.88%
Operating Income Growth %
24.64%14.17%3.12%-42.34%129.35%-10.82%-23.54%-7%23.31%
Pretax Income
1.91B▲ 0%
2.18B▲ 14.2%
2.25B▲ 3.1%
1.3B▼ 42.3%
2.98B▲ 129.4%
2.65B▼ 10.8%
2.03B▼ 23.5%
1.89B▼ 7.0%
2.33B▲ 23.3%
Pretax Margin %
29.63%29.68%27.91%16.91%42.61%29.28%16.66%15.29%20.88%
Income Tax
260M462M460M241M658M582M422M379M497M
Effective Tax Rate %
13.6%21.16%20.44%18.57%22.1%21.92%20.79%20.07%21.35%
Net Income
1.65B▲ 0%
1.72B▲ 4.2%
1.79B▲ 4.1%
1.06B▼ 41.0%
2.32B▲ 119.4%
2.07B▼ 10.6%
1.61B▼ 22.4%
1.51B▼ 6.2%
1.83B▲ 21.3%
Net Margin %
25.6%23.4%22.2%13.77%33.19%22.86%13.19%12.22%16.42%
Net Income Growth %
58.09%4.18%4.07%-40.98%119.39%-10.61%-22.43%-6.16%21.34%
Net Income (Continuing)
1.65B1.72B1.79B1.06B2.32B2.07B1.61B1.51B1.83B
EPS (Diluted)
3.25▲ 0%
3.52▲ 8.3%
3.81▲ 8.2%
2.22▼ 41.7%
5.16▲ 132.4%
4.10▼ 20.5%
3.13▼ 23.7%
3.03▼ 3.2%
3.86▲ 27.4%
EPS Growth %
64.97%8.31%8.24%-41.73%132.43%-20.54%-23.66%-3.19%27.39%
EPS (Basic)
3.263.543.822.225.184.123.143.043.90
Diluted Shares Outstanding
503.69M480.43M451.21M428.16M427.44M477.8M476.69M453.51M435.47M

CFG Balance Sheet

Citizens Financial Group, Inc. (CFG) balance sheet — assets, liabilities & shareholders' equity

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments
23.29B23.75B23.94B35.43B34.9B34.59B41.7B43.85B49.38B
Cash & Due from Banks
3.22B4.22B3.68B13.04B9.47B10.85B12.03B11.24B12.73B
Short Term Investments
20.07B19.53B20.25B22.39B25.43B23.74B29.67B32.61B36.66B
Total Investments
132.5B138.06B142.66B150.13B157.14B188.51B182.58B178.51B44.59B
Investments Growth %
3.2%4.19%3.33%5.24%4.67%19.96%-3.15%-2.23%-75.02%
Long-Term Investments
112.44B118.53B122.41B127.74B131.71B164.77B152.91B145.9B7.93B
Accounts Receivables
000000000
Goodwill & Intangibles
6.89B6.92B7.04B7.05B7.18B8.37B8.35B8.33B8.3B
Goodwill
6.89B6.92B7.04B7.05B7.12B8.17B8.19B8.19B8.19B
Intangible Assets
000064M197M157M146M115M
PP&E (Net)
685M791M761M759M768M844M895M875M915M
Other Assets
5.89B7.64B9.06B10.45B12.31B16.7B16.96B17.54B17.87B
Total Current Assets
26.43B26.64B26.45B37.35B36.44B36.04B42.85B44.88B191.33B
Total Non-Current Assets
125.9B133.88B139.28B146B151.97B190.69B179.12B172.65B35.02B
Total Assets
152.34B▲ 0%
160.52B▲ 5.4%
165.73B▲ 3.2%
183.35B▲ 10.6%
188.41B▲ 2.8%
226.73B▲ 20.3%
221.96B▼ 2.1%
217.52B▼ 2.0%
226.35B▲ 4.1%
Asset Growth %
1.88%5.37%3.25%10.63%2.76%20.34%-2.1%-2%4.06%
Return on Assets (ROA)
1.09%1.1%1.1%0.61%1.25%1%0.72%0.69%0.83%
Accounts Payable
000000000
Total Debt
14.44B17.24B14.32B8.59B7.01B15.89B13.97B12.4B11.28B
Net Debt
11.21B13.02B10.64B-4.45B-2.47B5.04B1.94B1.17B-1.45B
Long-Term Debt
11.77B14.43B14.05B8.35B6.93B15.89B13.47B10.41B11.22B
Short-Term Debt
2.67B2.81B274M243M74M3M505M1.99B58M
Other Liabilities
1.97B2.31B3.03B4.29B3.62B6.43B6.31B6.09B5.44B
Total Current Liabilities
117.76B122.38B125.59B147.41B154.44B180.73B177.85B176.76B183.37B
Total Non-Current Liabilities
14.31B17.32B17.95B13.27B10.55B22.32B19.77B16.5B16.66B
Total Liabilities
132.07B139.7B143.53B160.68B164.99B203.04B197.62B193.27B200.03B
Total Equity
20.27B▲ 0%
20.82B▲ 2.7%
22.2B▲ 6.6%
22.67B▲ 2.1%
23.42B▲ 3.3%
23.69B▲ 1.2%
24.34B▲ 2.8%
24.25B▼ 0.4%
26.32B▲ 8.5%
Equity Growth %
2.65%2.7%6.65%2.13%3.29%1.15%2.75%-0.36%8.51%
Equity / Assets (Capital Ratio)
13.31%12.97%13.4%12.37%12.43%10.45%10.97%11.15%11.63%
Return on Equity (ROE)
8.26%8.38%8.33%4.71%10.06%8.8%6.7%6.21%7.24%
Book Value per Share
40.2443.3349.2052.9554.7949.5851.0653.4860.43
Tangible BV per Share
26.5728.9233.5936.4937.9932.0633.5635.1141.37
Common Stock
6M6M6M6M6M6M6M7M7M
Additional Paid-in Capital
18.78B18.82B18.89B18.94B19B22.14B22.25B22.36B22.48B
Retained Earnings
4.16B5.38B6.5B6.45B7.98B9.16B9.82B10.41B11.35B
Accumulated OCI
-820M-1.1B-411M-60M-665M-4.56B-3.76B-3.6B-1.97B
Treasury Stock
-2.11B-3.13B-4.35B-4.62B-4.92B-5.07B-5.99B-7.05B-7.65B
Preferred Stock
247M840M1.57B1.97B2.01B2.01B2.01B2.11B2.11B

CFG Cash Flow Statement

Citizens Financial Group, Inc. (CFG) cash flow — operating, investing & free cash flow history

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations
1.88B1.77B1.7B111M2.27B4.12B2.96B2B2.21B
Operating CF Growth %
26.38%-6.16%-3.96%-93.46%1949.55%81.05%-28.11%-32.42%10.49%
Net Income
1.65B1.72B1.79B1.06B2.32B2.07B1.61B1.51B1.83B
Depreciation & Amortization
487M489M633M578M625M565M478M498M478M
Deferred Taxes
-136M97M64M-238M-429M57M-242M-177M-82M
Other Non-Cash Items
453M333M-310M1.64B663M2.2B757M645M170M
Working Capital Changes
-621M-914M-522M-2.98B-962M-858M273M-571M-306M
Cash from Investing
-3.98B-7.08B-3.88B-6.14B-10.49B-12.64B5.25B2.99B-5.97B
Purchase of Investments
-6.29B-4.27B-8.42B-9.27B-12.41B-10.78B-10.09B-9.76B-9.46B
Sale/Maturity of Investments
6.18B4.78B9.36B8.43B9.61B5.63B5.7B7.58B7.82B
Net Investment Activity
-113M508M938M-846M-2.8B-5.14B-4.38B-2.17B-1.65B
Acquisitions
0-533M-129M-3M-165M-255M000
Other Investing
-3.62B-6.82B-4.56B-5.17B-7.4B-7.12B9.8B5.28B-4.32B
Cash from Financing
1.43B6.35B1.49B15.37B4.64B9.91B-7.13B-6.01B5.88B
Dividends Paid
-336M-485M-682M-770M-783M-892M-928M-903M-888M
Share Repurchases
-820M-1.02B-1.22B-270M-295M-153M-906M-1.35B-1B
Stock Issued
0000000392M393M
Net Stock Activity
-820M-1.02B-1.22B-270M-295M-153M-906M-958M-607M
Debt Issuance (Net)
-1000K1000K-1000K-1000K-1000K1000K-1000K-1000K-1000K
Other Financing
4.93B4.47B5.72B21.75B7.17B6.12B-3.36B-2.55B8.53B
Net Change in Cash
-672M▲ 0%
1.04B▲ 255.1%
-688M▼ 166.0%
9.35B▲ 1458.6%
-3.58B▼ 138.2%
1.39B▲ 138.9%
1.08B▼ 22.2%
-1.03B▼ 195.0%
2.13B▲ 307.0%
Exchange Rate Effect
000000000
Cash at Beginning
3.7B3.03B4.07B3.39B12.73B9.16B10.55B11.63B10.6B
Cash at End
3.03B4.07B3.39B12.73B9.16B10.55B11.63B10.6B12.73B
Interest Paid
716M1.18B1.56B837M347M989M3.64B4.38B0
Income Taxes Paid
371M241M326M261M1.25B183M375M208M0
Free Cash Flow
1.44B▲ 0%
1.53B▲ 6.4%
1.6B▲ 4.4%
-7M▼ 100.4%
2.15B▲ 30828.6%
3.99B▲ 85.6%
2.79B▼ 30.2%
1.88B▼ 32.6%
2.04B▲ 8.4%
FCF Growth %
21.57%6.38%4.36%-100.44%30828.57%85.63%-30.15%-32.63%8.41%

CFG Banking Ratios

Citizens Financial Group, Inc. (CFG) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)
5.31%8.26%8.38%8.33%4.71%10.06%8.8%6.7%6.21%7.24%
Return on Assets (ROA)
0.73%1.09%1.1%1.1%0.61%1.25%1%0.72%0.69%0.83%
Net Interest Margin
2.51%2.74%2.82%2.78%2.5%2.39%2.65%2.81%2.59%2.59%
Efficiency Ratio
58.16%53.83%49.21%47.69%51.99%58.42%53.94%45.19%42.27%48.87%
Equity / Assets
13.21%13.31%12.97%13.4%12.37%12.43%10.45%10.97%11.15%11.63%
Book Value / Share
37.6940.2443.3349.252.9554.7949.5851.0653.4860.43
NII Growth
10.46%11.04%8.6%1.81%-0.61%-1.61%33.24%3.81%-9.74%3.91%
Dividend Payout
23.06%19.49%27.37%34.45%63.58%28.89%37.58%50.25%50.96%41.23%
Related:CFG Dividend History·CFG Revenue History·CFG Price History·CFG P/E History·CFG Financial Ratios·CFG Institutional Holders

CFG SEC Filings & Documents

Citizens Financial Group, Inc. (CFG) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 16, 2026·SEC

Material company update

Jan 29, 2026·SEC

Material company update

Jan 22, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 12, 2026·SEC

FY 2025

Feb 13, 2025·SEC

10-Q Quarterly Reports

4
FY 2025

Nov 3, 2025·SEC

FY 2025

Aug 4, 2025·SEC

FY 2025

May 1, 2025·SEC

CFG Frequently Asked Questions

Citizens Financial Group, Inc. (CFG) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Citizens Financial Group, Inc. (CFG) saw revenue decline by 9.7% over the past year.

Yes, Citizens Financial Group, Inc. (CFG) is profitable, generating $1.83B in net income for fiscal year 2025 (16.4% net margin).

Dividend & Returns

Yes, Citizens Financial Group, Inc. (CFG) pays a dividend with a yield of 2.58%. This makes it attractive for income-focused investors.

Citizens Financial Group, Inc. (CFG) has a return on equity (ROE) of 7.2%. This is below average, suggesting room for improvement.

Industry Metrics

Citizens Financial Group, Inc. (CFG) has a net interest margin (NIM) of 2.6%. NIM has been under pressure due to interest rate environment.

Citizens Financial Group, Inc. (CFG) has an efficiency ratio of 48.9%. This is excellent, indicating strong cost control.

What if you invested $1,000 in CFG back in 2012?

Total return calculator · dividends reinvested · 14+ years of data

See returns →

How much would $100/month in CFG be worth today?

Dollar cost averaging calculator · DCA vs lump sum

Calculate →