8-K Announcements
6Apr 16, 2026·SEC
Jan 29, 2026·SEC
Jan 22, 2026·SEC
Citizens Financial Group, Inc. (CFG) fundamental analysis — strengths, weaknesses & financial health based on data analysis
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Citizens Financial Group, Inc. (CFG) stock price & volume — 10-year historical chart
Citizens Financial Group, Inc. (CFG) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Citizens Financial Group, Inc. (CFG) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 16, 2026 | $1.13vs $1.09+3.7% | $2.2Bvs $2.2B+0.2% |
| Q1 2026 | Jan 21, 2026 | $1.13vs $1.10+2.7% | $2.2Bvs $2.2B+0.3% |
| Q4 2025 | Oct 15, 2025 | $1.05vs $1.03+1.9% | $2.1Bvs $2.1B+0.9% |
| Q3 2025 | Jul 17, 2025 | $0.92vs $0.88+4.2% | $2.0Bvs $2.0B+1.4% |
Citizens Financial Group, Inc. (CFG) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison
Citizens Financial Group, Inc. (CFG) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Citizens Financial Group, Inc. (CFG) annual income statement — 10-year revenue, gross profit & net income history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 4.17B | 4.53B | 4.61B | 4.59B | 4.51B | 6.01B | 6.24B | 5.63B | 5.85B |
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 | 4.92B | 5.76B | 6.19B | 5.36B | 4.85B | 7.06B | 10.2B | 10.19B | 9.66B |
Interest Expense | 747M | 1.23B | 1.57B | 771M | 339M | 1.05B | 3.96B | 4.55B | 3.81B |
Loan Loss Provision | 321M | 326M | 393M | 1.62B | -411M | 474M | 687M | 687M | -438M |
Non-Interest Income | 1.53B | 1.6B | 1.88B | 2.32B | 2.13B | 2.01B | 1.98B | 2.16B | 1.49B |
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 | 3.47B | 3.62B | 3.85B | 3.99B | 4.08B | 4.89B | 5.51B | 5.22B | 5.45B |
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 | 260M | 462M | 460M | 241M | 658M | 582M | 422M | 379M | 497M |
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) | 1.65B | 1.72B | 1.79B | 1.06B | 2.32B | 2.07B | 1.61B | 1.51B | 1.83B |
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) | 3.26 | 3.54 | 3.82 | 2.22 | 5.18 | 4.12 | 3.14 | 3.04 | 3.90 |
Diluted Shares Outstanding | 503.69M | 480.43M | 451.21M | 428.16M | 427.44M | 477.8M | 476.69M | 453.51M | 435.47M |
Citizens Financial Group, Inc. (CFG) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 23.29B | 23.75B | 23.94B | 35.43B | 34.9B | 34.59B | 41.7B | 43.85B | 49.38B |
Cash & Due from Banks | 3.22B | 4.22B | 3.68B | 13.04B | 9.47B | 10.85B | 12.03B | 11.24B | 12.73B |
Short Term Investments | 20.07B | 19.53B | 20.25B | 22.39B | 25.43B | 23.74B | 29.67B | 32.61B | 36.66B |
Total Investments | 132.5B | 138.06B | 142.66B | 150.13B | 157.14B | 188.51B | 182.58B | 178.51B | 44.59B |
Investments Growth % | 3.2% | 4.19% | 3.33% | 5.24% | 4.67% | 19.96% | -3.15% | -2.23% | -75.02% |
Long-Term Investments | 112.44B | 118.53B | 122.41B | 127.74B | 131.71B | 164.77B | 152.91B | 145.9B | 7.93B |
Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Goodwill & Intangibles | 6.89B | 6.92B | 7.04B | 7.05B | 7.18B | 8.37B | 8.35B | 8.33B | 8.3B |
Goodwill | 6.89B | 6.92B | 7.04B | 7.05B | 7.12B | 8.17B | 8.19B | 8.19B | 8.19B |
Intangible Assets | 0 | 0 | 0 | 0 | 64M | 197M | 157M | 146M | 115M |
PP&E (Net) | 685M | 791M | 761M | 759M | 768M | 844M | 895M | 875M | 915M |
Other Assets | 5.89B | 7.64B | 9.06B | 10.45B | 12.31B | 16.7B | 16.96B | 17.54B | 17.87B |
Total Current Assets | 26.43B | 26.64B | 26.45B | 37.35B | 36.44B | 36.04B | 42.85B | 44.88B | 191.33B |
Total Non-Current Assets | 125.9B | 133.88B | 139.28B | 146B | 151.97B | 190.69B | 179.12B | 172.65B | 35.02B |
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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total Debt | 14.44B | 17.24B | 14.32B | 8.59B | 7.01B | 15.89B | 13.97B | 12.4B | 11.28B |
Net Debt | 11.21B | 13.02B | 10.64B | -4.45B | -2.47B | 5.04B | 1.94B | 1.17B | -1.45B |
Long-Term Debt | 11.77B | 14.43B | 14.05B | 8.35B | 6.93B | 15.89B | 13.47B | 10.41B | 11.22B |
Short-Term Debt | 2.67B | 2.81B | 274M | 243M | 74M | 3M | 505M | 1.99B | 58M |
Other Liabilities | 1.97B | 2.31B | 3.03B | 4.29B | 3.62B | 6.43B | 6.31B | 6.09B | 5.44B |
Total Current Liabilities | 117.76B | 122.38B | 125.59B | 147.41B | 154.44B | 180.73B | 177.85B | 176.76B | 183.37B |
Total Non-Current Liabilities | 14.31B | 17.32B | 17.95B | 13.27B | 10.55B | 22.32B | 19.77B | 16.5B | 16.66B |
Total Liabilities | 132.07B | 139.7B | 143.53B | 160.68B | 164.99B | 203.04B | 197.62B | 193.27B | 200.03B |
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 | 40.24 | 43.33 | 49.20 | 52.95 | 54.79 | 49.58 | 51.06 | 53.48 | 60.43 |
Tangible BV per Share | 26.57 | 28.92 | 33.59 | 36.49 | 37.99 | 32.06 | 33.56 | 35.11 | 41.37 |
Common Stock | 6M | 6M | 6M | 6M | 6M | 6M | 6M | 7M | 7M |
Additional Paid-in Capital | 18.78B | 18.82B | 18.89B | 18.94B | 19B | 22.14B | 22.25B | 22.36B | 22.48B |
Retained Earnings | 4.16B | 5.38B | 6.5B | 6.45B | 7.98B | 9.16B | 9.82B | 10.41B | 11.35B |
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 | 247M | 840M | 1.57B | 1.97B | 2.01B | 2.01B | 2.01B | 2.11B | 2.11B |
Citizens Financial Group, Inc. (CFG) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 1.88B | 1.77B | 1.7B | 111M | 2.27B | 4.12B | 2.96B | 2B | 2.21B |
Operating CF Growth % | 26.38% | -6.16% | -3.96% | -93.46% | 1949.55% | 81.05% | -28.11% | -32.42% | 10.49% |
Net Income | 1.65B | 1.72B | 1.79B | 1.06B | 2.32B | 2.07B | 1.61B | 1.51B | 1.83B |
Depreciation & Amortization | 487M | 489M | 633M | 578M | 625M | 565M | 478M | 498M | 478M |
Deferred Taxes | -136M | 97M | 64M | -238M | -429M | 57M | -242M | -177M | -82M |
Other Non-Cash Items | 453M | 333M | -310M | 1.64B | 663M | 2.2B | 757M | 645M | 170M |
Working Capital Changes | -621M | -914M | -522M | -2.98B | -962M | -858M | 273M | -571M | -306M |
Cash from Investing | -3.98B | -7.08B | -3.88B | -6.14B | -10.49B | -12.64B | 5.25B | 2.99B | -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 | 6.18B | 4.78B | 9.36B | 8.43B | 9.61B | 5.63B | 5.7B | 7.58B | 7.82B |
Net Investment Activity | -113M | 508M | 938M | -846M | -2.8B | -5.14B | -4.38B | -2.17B | -1.65B |
Acquisitions | 0 | -533M | -129M | -3M | -165M | -255M | 0 | 0 | 0 |
Other Investing | -3.62B | -6.82B | -4.56B | -5.17B | -7.4B | -7.12B | 9.8B | 5.28B | -4.32B |
Cash from Financing | 1.43B | 6.35B | 1.49B | 15.37B | 4.64B | 9.91B | -7.13B | -6.01B | 5.88B |
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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 392M | 393M |
Net Stock Activity | -820M | -1.02B | -1.22B | -270M | -295M | -153M | -906M | -958M | -607M |
Debt Issuance (Net) | -1000K | 1000K | -1000K | -1000K | -1000K | 1000K | -1000K | -1000K | -1000K |
Other Financing | 4.93B | 4.47B | 5.72B | 21.75B | 7.17B | 6.12B | -3.36B | -2.55B | 8.53B |
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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 3.7B | 3.03B | 4.07B | 3.39B | 12.73B | 9.16B | 10.55B | 11.63B | 10.6B |
Cash at End | 3.03B | 4.07B | 3.39B | 12.73B | 9.16B | 10.55B | 11.63B | 10.6B | 12.73B |
Interest Paid | 716M | 1.18B | 1.56B | 837M | 347M | 989M | 3.64B | 4.38B | 0 |
Income Taxes Paid | 371M | 241M | 326M | 261M | 1.25B | 183M | 375M | 208M | 0 |
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% |
Citizens Financial Group, Inc. (CFG) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
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 | 37.69 | 40.24 | 43.33 | 49.2 | 52.95 | 54.79 | 49.58 | 51.06 | 53.48 | 60.43 |
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% |
Citizens Financial Group, Inc. (CFG) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 16, 2026·SEC
Jan 29, 2026·SEC
Jan 22, 2026·SEC
Citizens Financial Group, Inc. (CFG) stock FAQ — growth, dividends, profitability & financials explained
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).
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.
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.