Inside the research
Citizens Financial Group, Inc.
CFG Research profile · latest available data
Price overview
$65.53
▲ +0.80 (+1.2%)
| 52w hi | $74.73 |
|---|---|
| 52w lo | $46.98 |
| Vol | 3.85M |
| As of | 25 Sep 2026 |
The Verdict
Our score +0.14
| Short | -0.03 |
|---|---|
| Medium | +0.16 |
| Long | +0.44 |
computed 2026-09-27
Key fundamentals
Citizens Financial Group, Inc.
Financial Services · Banks - Regional
| Market cap | $27.60B |
|---|---|
| Enterprise value | $32.19B |
| Trailing P/E | 14.28x |
| Forward P/E | 10.03x |
| P / S (ttm) | 3.38x |
| Profit margin | 26.1% |
| Return on equity | 8.3% |
| Revenue growth | +14.7% |
| Earnings growth | +41.3% |
Layer Breakdown
| Layer | Raw | Contribution |
|---|---|---|
| Fundamental | +0.39 | |
| Sector | +0.02 | |
| Technical | -0.02 | |
| Earnings | +0.00 | |
| Sentiment | +0.00 |
macro × 1.00 · 2026-09-27
Business overview
Citizens 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, large corporations, and institutions in the United States. The company operates through two segments, Consumer Banking and Commercial Banking. The Consumer Banking segment offers deposit products, mortgage and home equity lending products, credit cards, business loans, and wealth management services; and 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. The company serves customers and small businesses, high- and ultra-high-net-worth individuals and families, as well as investors, entrepreneurs, and companies and institutions, as well as multifamily, office, industrial, retail, healthcare, and hospitality sectors. 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.
Risk Metrics
| Beta vs SPX | 1.22 |
|---|---|
| Corr SPX | 0.63 |
| Annual vol | 30.9% |
| Annual ret | +27.4% |
| Sharpe | 0.89 |
| Max DD | -29.3% |
Window: 504 trading days (504 obs)
Analyst Coverage
| Mean PT | $73.15 |
|---|---|
| High / Low | $80.00 / $63.00 |
| Median | $74.00 |
| Analysts | 17 |
| Strong Buy | 6 | |
|---|---|---|
| Buy | 11 | |
| Hold | 1 | |
| Sell | 0 | |
| Strong Sell | 0 |
Recent rating actions
| 2026-04-30 | JP Morgan | → Overweight |
| 2026-04-21 | Evercore ISI Group | → Outperform |
| 2026-04-20 | DA Davidson | → Buy |
| 2026-04-17 | Truist Securities | → Hold |
| 2026-04-17 | RBC Capital | → Outperform |
| 2026-04-17 | Keefe, Bruyette & Woods | → Outperform |
Material Events
| Date | Event | 8-K |
|---|---|---|
| 2026-07-31 | 3.03, Bylaws Amendment… | read |
| 2026-07-21 | Other Material Event, Exhibits | read |
| 2026-07-16 | Earnings Release, Reg FD Disclosure… | read |
| 2026-04-24 | Shareholder Vote | read |
| 2026-04-16 | Earnings Release, Reg FD Disclosure… | read |
| 2026-01-29 | Other Material Event, Exhibits | read |
| 2026-01-22 | Other Material Event, Exhibits | read |
| 2026-01-21 | Earnings Release, Reg FD Disclosure… | read |
| 2025-10-15 | Earnings Release, Reg FD Disclosure… | read |
| 2025-10-07 | Officer / Director Change, Exhibits | read |
| 2025-10-06 | Bylaws Amendment, Exhibits | read |
| 2025-08-12 | Officer / Director Change, Exhibits | read |
Insider Trades
| Date | Insider | Role | Action | Shares | Value |
|---|---|---|---|---|---|
| 2026-07-24 | VAN SAUN BRUCE | Chairman and CEO | Sell | 129.37K | $9.32M |
| 2026-07-24 | VAN SAUN BRUCE | Chairman and CEO | Gift | 20.85K | — |
| 2026-07-24 | VAN SAUN BRUCE | Chairman and CEO | Gift | 17.50K | — |
| 2026-06-15 | Stein Richard L. | Chief Risk Officer | Withheld for tax | 4.91K | $332.36K |
| 2026-05-14 | Leary Robert G | Grant | 251 | — | |
| 2026-05-14 | Alexander Lee | Grant | 195 | — | |
| 2026-05-14 | SIEKERKA MICHELE N | Grant | 162 | — | |
| 2026-05-14 | Cumming Christine M | Grant | 323 | — | |
| 2026-05-14 | Swift Christopher | Grant | 195 | — | |
| 2026-05-14 | Cummings Kevin | Grant | 162 | — |
Flow & Concentration
| Insider 180d net | -$9.32M |
|---|---|
| Insider buys / sells | 0 / 1 |
| Insider bias | Sellers |
| 13F holders | 0 |
| Top-5 share | 0.0% |
| HHI | 0 (—) |
Dividends
| Yield (TTM) | 2.11% |
|---|---|
| $ / share (TTM) | $1.38 |
| 5y CAGR | +2.0% |
Annual dividend per share
| 2021 | $1.56 |
|---|---|
| 2022 | $1.62 |
| 2023 | $1.68 |
| 2024 | $1.68 |
| 2025 | $1.72 |
| 2026 | $0.92 |
SEC Filings
The Long Run
FY 2014–2025 · 11 years
| Line | Latest | CAGR | Trend |
|---|---|---|---|
| Revenue | $1.53B | -11.1% | |
| Net income | $1.51B | +5.7% | |
| Cash from ops | $2.21B | +2.6% |
Indices
Recent Sessions
| Date | Open | High | Low | Close | Vol |
|---|---|---|---|---|---|
| Sep 25 | $65.03 | $65.77 | $64.69 | $65.53 | 3.85M |
| Sep 24 | $64.77 | $64.89 | $63.85 | $64.73 | 4.28M |
| Sep 23 | $65.00 | $65.74 | $64.54 | $64.61 | 4.70M |
| Sep 22 | $67.50 | $67.62 | $65.35 | $65.49 | 4.90M |
| Sep 21 | $67.00 | $67.68 | $66.95 | $67.36 | 3.17M |
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