8-K Announcements
6Material company update
Apr 24, 2026·SEC
Material company update
Apr 16, 2026·SEC
Material company update
Jan 29, 2026·SEC
Citizens Financial Group, Inc.(CFG-PH)Earnings, Financials & Key Ratios
CFG-PH•NYSE•Banking & Credit
$25.50
6.6× P/E·Price updated Jun 30, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutCitizens Financial Group, Inc. operates as the bank holding company 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 corporate banking, healthcare, technology, asset finance, franchise finance, leasing, asset-based lending, commercial real estate, mid-corporate, and private equity sponsor industries. 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-PH Price & Volume
Citizens Financial Group, Inc. (CFG-PH) stock price & volume — 10-year historical chart
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Persistent Margin Compression Challenges Citizens Financial Outlook
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Contracting
Profitability:Strained
Financial:Adequate
Cash Flow:Mixed
Primary Risk:Margin compression and credit
Key Thesis Takeaways
- Citizens Financial Group faces a challenging environment characterized by stagnant net interest income and persistent net interest margin compression, which has hovered between 0.6% and 0.7% over the last ten quarters.
- While the bank maintains a stable capital buffer with an equity-to-assets ratio of 0.11, the volatility in provision expenses—most notably a $909 million release in 2025Q4—complicates the assessment of underlying earnings quality.
- Investors should monitor the sustainability of capital returns, as the $536 million distributed to shareholders in 2026Q1 nearly matches the $517 million in net income generated during the same period.
Verdict Logic
while the stock trades at a low 0.42 price-to-book ratio, the combination of a 6.8% dividend yield and inconsistent earnings quality suggests significant risk to long-term capital sustainability.
CFG-PH Growth Metrics
Citizens Financial Group, Inc. (CFG-PH) 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%
TTM27.58%
EPS CAGR
10 Years9.55%
5 Years11.7%
3 Years-1.99%
TTM34.39%
Return on Capital
10 Years5.48%
5 Years5.93%
3 Years4.84%
Last Year5.56%
CFG-PH Recent Earnings
Citizens Financial Group, Inc. (CFG-PH) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 2/12 qtrs (100%)●Beat Revenue 2/12 qtrs (100%)
Q2 2026Latest
Apr 16, 2026Metric
Actual
Est
EPS
$1.13+3.7%
$1.09
Rev
$2.2B+0.2%
$2.2B
Q1 2026
Jan 21, 2026Metric
Actual
Est
EPS
$1.13+2.7%
$1.10
Rev
$2.2B+0.3%
$2.2B
Q4 2025
Oct 16, 2025Metric
Actual
Est
EPS
$1.13
—
Rev
$3.1B
—
Q3 2025
Jul 17, 2025Metric
Actual
Est
EPS
$1.00
—
Rev
$3.0B
—
| 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 16, 2025 | $1.13 | $3.1B |
| Q3 2025 | Jul 17, 2025 | $1.00 | $3.0B |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Citizens Financial Group, Inc. (CFG-PH)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $25.50 | $11.96B | 6.61 | -9.71% | 16.42% | 7.24% | 6.8% | |
| $30.27 | $25.83B | 13.22 | 2.51% | 23.13% | 11.75% | — | |
| $17.82 | $36.12B | 12.82 | 4.38% | 16.63% | 8.81% | — | |
| $23.15 | $25.1B | 15.23 | 23.56% | 17.35% | 9.74% | — | |
| $70.43 | $29.78B | 18.25 | -9.71% | 17.51% | 7.63% | — | |
| $56.78 | $51.46B | 16.04 | -1.4% | 15.91% | 8.86% | — |
Compare CFG-PH vs Peers
Citizens Financial Group, Inc. (CFG-PH) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CFG-PH SEC Filings & Documents
Citizens Financial Group, Inc. (CFG-PH) SEC filings — annual & quarterly reports (10-K, 10-Q)
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CFG-PH Frequently Asked Questions
Citizens Financial Group, Inc. (CFG-PH) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Citizens Financial Group, Inc. growing?
Citizens Financial Group, Inc. (CFG-PH) saw revenue decline by 9.7% over the past year.
Is CFG-PH profitable?
Yes, Citizens Financial Group, Inc. (CFG-PH) is profitable, generating $1.98B in net income for fiscal year 2025 (16.4% net margin).
Dividend & Returns
Does CFG-PH pay dividends?
Yes, Citizens Financial Group, Inc. (CFG-PH) pays a dividend with a yield of 6.80%. This makes it attractive for income-focused investors.
What is CFG-PH's return on equity?
Citizens Financial Group, Inc. (CFG-PH) 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-PH) 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-PH) has an efficiency ratio of 48.9%. This is excellent, indicating strong cost control.