CFG's net interest income has re-accelerated to roughly $1.7B in 2026Q3 with 12.6% year-over-year growth, and the efficiency ratio improved from about 69% in early 2024 to roughly 60%, suggesting operating leverage is building as revenue outpaces costs.
Price trend, volume and key moving averages
Start with the evidence for owning the stock and the risks that can break the thesis.
Net income rose to $636M in 2026Q3 with diluted EPS of $1.41 and a 60.0% efficiency ratio, but the 2025Q4 $909M provision release makes the underlying trend harder to read than headline growth suggests.
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.
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.
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.
Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).
Check whether operating performance supports the current valuation.
Recent results and news deserve attention only when they alter the forward view.
| Quarter | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|
Q4 2026Latest Oct 16, 2026 | $1.41+1.4% vs $1.39 | $2.3B-0.7% vs $2.3B |
Q3 2026 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 |
Hilton Head Capital Partners LLC grew its position in shares of Citizens Financial Group, Inc. (NYSE: CFG) by 12,035.3% during the third quarter, according to its most recent disclosure with the Securities and Exchange Commission. The institutional investor owned 14,441 shares of the bank's stock after purchasing an additional 14,322 shares during the
Citizens Financial Group Inc. RI grew its position in Citizens Financial Group, Inc. (NYSE: CFG) by 145.6% during the undefined quarter, according to the company in its most recent disclosure with the Securities and Exchange Commission (SEC). The institutional investor owned 773,677 shares of the bank's stock after acquiring an additional 458,698 shares
CWA Asset Management Group LLC raised its position in Citizens Financial Group, Inc. (NYSE: CFG) by 635.6% during the undefined quarter, according to its most recent filing with the SEC. The firm owned 126,155 shares of the bank's stock after buying an additional 109,004 shares during the quarter. CWA Asset Management Group LLC's
Citizens Financial Group (NYSE:CFG) reported better-than-expected earnings for the third quarter.
Benchmark CFG against direct peers instead of judging its metrics in isolation.
Key metrics vs top competitors for Citizens Financial Group, Inc. (CFG)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $63.24 | $26.74B | 11.87 | -5.85% | 25.4% | 8.74% | 2.74% | |
| $28.31 | $24.16B | 10.56 | 6.25% | 29.89% | 12.26% | 3.66% | |
| $15.47 | $31.26B | 12.72 | 10.58% | 24% | 8.17% | 3.9% | |
| $20.85 | $22.5B | 10.47 | 69.31% | 29.3% | 10.88% | 4.62% | |
| $217.75 | $31.56B | 10.48 | -4.98% | 30.21% | 10.65% | 2.64% | |
| $53.04 | $48.07B | 18.98 | 8.37% | 21.86% | 8.3% | 3.28% |
Citizens Financial Group, Inc. (CFG) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Verify the primary filings, follow material updates, and answer the remaining questions.
Citizens Financial Group, Inc. (CFG) SEC filings — annual & quarterly reports (10-K, 10-Q)
Oct 30, 2026·SEC
Oct 16, 2026·SEC
Oct 8, 2026·SEC
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Citizens Financial Group, Inc. (CFG) stock FAQ — growth, dividends, profitability & financials explained
Citizens Financial Group, Inc. (CFG) grew revenue by 10.7% over the trailing twelve months, compared with the twelve months before.
Yes. Citizens Financial Group, Inc. (CFG) earned $2.27B in net income over the trailing twelve months (a 25.4% net margin).
Yes. Citizens Financial Group, Inc. (CFG) pays a dividend that yields 2.74% at the current price, a moderate yield.
Citizens Financial Group, Inc. (CFG) had a return on equity (ROE) of 8.7% over the trailing twelve months. That is below the market's typical 10-15%.
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 74.2%. This is higher than peers, suggesting room for cost optimization.
