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CFGCitizens Financial Group, Inc.
$64.61$27.3B
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
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CFG logo

Citizens Financial Group, Inc.

CFG
NYSE · Regional Banks
$64.61
At close - Sep 23, 4:00 PM EDT - USD
Market Cap$27.32B
P/E16.7x
52W High$75.33
Volume4.64M
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q1

NII Recovery Faces Persistent Margin Stagnation Risks

Citizens Financial Group is demonstrating a nascent recovery in top-line performance, evidenced by a 12.3% NII growth rate in 2026Q1, though this is tempered by a stubbornly flat 0.7% net interest margin. While the bank maintains a stable capital position with...

GrowthAccelerating
ProfitabilityModerate
ValuationReview
TechnicalsWeak
Explore valuation models
MARKET ACTION

CFG price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

7/12 Beats

EPS beat 7 of last 12 quarters

02

Valuation risk

+27% Peers

P/E is 27% above peer median

03

Market leadership

RS 63 · Avg

Average momentum (RS Rating: 63)

04

Weak Trend

Below 200DMA

Price < 200DMA

Next CatalystEstimated earnings · Oct 16
01

Build the investment case

Start with the evidence for owning the stock and the risks that can break the thesis.

EXECUTIVE THESIS

The Investment Case

Full Analysis
Fundamental Trajectory

Revenue growth is showing signs of acceleration with a 12.3% NII increase in 2026Q1, yet the net interest margin remains constrained at a stagnant 0.7% level.

Analyst Consensus+24.4% target
Buy(38 analysts)
30 Buy7 Hold1 Sell

The Bull Case

Upside Catalysts

Strong Analyst Consensus

A majority of Wall Street analysts hold 'Buy' or 'Strong Buy' ratings on CFG, indicating widespread confidence in the bank’s prospects. This consensus supports a bullish outlook and aligns with recent positive earnings trends.

Revenue & Net Income CAGR

CFG has delivered a 4% compound annual growth rate in revenue over the past 13 years and is projected to achieve a 22% CAGR in net income over the next three years. These growth rates underscore the bank’s expanding profitability base.

EPS Momentum & Earnings Outlook

Trailing EPS rose from $3.04 to $3.90 in FY 2025, reflecting a 16.1% annual earnings growth projection and an 11.8% revenue growth forecast. This upward trajectory positions CFG for continued earnings expansion.

The Bear Case

Key Downside Risks

Market performance

Price History →

Trailing total returns as of 9/24/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
CFG+11.11%
S&P 500 (^GSPC)+12.39%
1-Year Return
CFG+25.12%
S&P 500 (^GSPC)+15.77%
3-Year Return
CFG+162.15%
S&P 500 (^GSPC)+74.58%
5-Year Return
CFG+62.69%
S&P 500 (^GSPC)+62.65%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y High
16.7x
Forward P/EExpansion
12.2x
EV/EBITDA100th %ile
9.6x
FCF YieldCash Flow
7.5%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
16.7x
10.6x
100th· High
EV/EBITDA
9.6x
7.4x
100th· High
Price/FCF
13.4x
9.4x
100th· High
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$22.02-65.9%
Base (Fair)$42.17-37.1%
Bull$66.75+3.3%
$22.02 Bear$42.17 Base$66.75 Bull
Current Market Price: $64.61
Trades at a 53.2% premium to Base DCF ($42.17)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue
$7.34B-5.9% YoY
Net income
$1.83B+21.3% YoY
Free cash flow
$2.04B+8.4% YoY
Operating margin
20.9%+5.6 pts YoY
ROIC (TTM)4.7%
Avg ROIC 5Y-
ROE (TTM)7.2%
Piotroski Score8 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate7/12 (58%)
Revenue Beat Rate8/12 (67%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Jul 16, 2026
$1.30+4.8%
vs $1.24
$2.3B+1.4%
vs $2.3B
Q2 2026
Apr 16, 2026
$1.13+3.7%
vs $1.09
$2.2B+0.2%
vs $2.2B
Q1 2026
Jan 21, 2026
$1.13+2.7%
vs $1.10
$2.2B+0.3%
vs $2.2B
Q4 2025
Oct 15, 2025
$1.05+1.9%
vs $1.03
$2.1B+0.9%
vs $2.1B
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

5 Stories
Zacks Investment Research·6d ago
Huntington Shares Tumble 5.6% on 2026 NII and 2027 EPS Outlook Cut

HBAN cuts its 2026 NII and revenue outlook and lowers 2027 EPS targets as higher rates and pricing pressure weigh on margins.

Defense World·6d ago
Squarepoint Ops LLC Purchases 8,801 Shares of Citizens Financial Group, Inc. $CFG

Squarepoint Ops LLC lifted its position in shares of Citizens Financial Group, Inc. (NYSE: CFG) by 77.9% in the undefined quarter, according to its most recent Form 13F filing with the Securities and Exchange Commission (SEC). The firm owned 20,098 shares of the bank's stock after buying an additional 8,801 shares during the

Defense World·6d ago
Bank of America Corp DE Purchases Shares of 3,188,042 Citizens Financial Group, Inc. $CFG

Bank of America Corp DE acquired a new position in Citizens Financial Group, Inc. (NYSE: CFG) in the undefined quarter, according to the company in its most recent filing with the Securities and Exchange Commission. The firm acquired 3,188,042 shares of the bank's stock, valued at approximately $223,386,000. Bank of America Corp DE

Business Wire·Sep 16, 2026
Citizens Financial Group Announces Prime Rate Change

PROVIDENCE, R.I.--(BUSINESS WIRE)--Citizens Financial Group, Inc. (NYSE: CFG) announced today that Citizens Bank, N.A. has increased its prime lending rate to 7.00 percent from 6.75 percent, effective Thursday, September 17, 2026. About Citizens Financial Group, Inc. Citizens Financial Group, Inc. is one of the nation's oldest and largest financial institutions, with $233.8 billion in assets as of June 30, 2026. Headquartered in Providence, Rhode Island, Citizens offers a broad range of retail,.

Filtered for Citizens Financial Group, Inc.More Headlines
04

Compare before deciding

Benchmark CFG against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Citizens Financial Group, Inc. (CFG)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
CFG logoCFGCitizens Financial Group, Inc.Current
$64.61$27.32B16.74-5.85%16.42%7.24%2.68%
RF logoRFRegions Financial Corporation
$27.39$23.37B11.966.25%23.13%11.75%—
HBAN logoHBANHuntington Bancshares Incorporated
$15.38$31.07B11.0610.58%16.64%8.57%—
KEY logoKEYKeyCorp
$20.24$21.85B13.3269.31%28.68%10.12%—
MTB logoMTBM&T Bank Corporation
$219.58$31.82B12.92-4.98%23.71%10.25%—
FITB logoFITBFifth Third Bancorp
$51.69$46.85B14.608.37%15.91%8.86%—

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

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

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

Jul 21, 2026·SEC

Material company update

Jul 16, 2026·SEC

Material company update

Apr 24, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 12, 2026·SEC

FY 2025

Feb 13, 2025·SEC

10-Q Quarterly Reports

5
FY 2026

May 4, 2026·SEC

FY 2025

Nov 3, 2025·SEC

FY 2025

Aug 4, 2025·SEC

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CFG Frequently Asked Questions

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

Growth & Financials
How fast is Citizens Financial Group, Inc. growing?

Citizens Financial Group, Inc. (CFG) saw revenue decline by 5.9% over the past year.

Is CFG profitable?

Yes, Citizens Financial Group, Inc. (CFG) is profitable, generating $1.98B in net income for fiscal year 2025 (16.4% net margin).

Dividend & Returns
Does CFG pay dividends?

Yes, Citizens Financial Group, Inc. (CFG) pays a dividend with a yield of 2.68%. This makes it attractive for income-focused investors.

What is CFG's return on equity?

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

Industry Metrics
What is Citizens Financial Group, Inc.'s net interest margin?

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

What is Citizens Financial Group, Inc.'s efficiency ratio?

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 →