The Bid & Ask

Quotations, Dispatches, and the Daily Tape

Friday, August 14, 2026

Subject of the day

CFG

Concerning the House

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.

United States · www.citizensbank.com

The Long Run

FY 2014–2025 · 11 years

LineLatestCAGRTrend
Revenue$1.53B-11.1%
Net income$1.51B+5.7%
Cash from ops$2.21B+2.6%
Quotation

$74.11

+0.20 (+0.3%)

52w hi$74.11
52w lo$46.73
Vol1.68M
As ofAug 13
The Verdict

Hold

Our score +0.12

Short-0.12
Medium+0.18
Long+0.50

computed 2026-08-13

By the Numbers

Citizens Financial Group, Inc.

Financial Services · Banks - Regional

Market cap$31.21B
Enterprise value$35.72B
Trailing P/E16.15x
Forward P/E11.38x
EV / EBITDA
P / S (ttm)3.82x
Profit margin26.1%
Return on equity8.3%
Revenue growth+14.7%
Earnings growth+41.3%
Debt / equity
Risk Metrics
Beta vs SPX1.20
Corr SPX0.64
Annual vol30.9%
Annual ret+36.2%
Sharpe1.17
Max DD-29.3%

Window: 504 trading days (504 obs)

Layer Breakdown
LayerRawContribution
Fundamental+0.38
Sector+0.09
Technical+0.00
Earnings+0.00
Sentiment+0.00

macro × 1.00 · 2026-08-13

Recent Sessions
DateOpenHighLowCloseVol
Aug 13$74.35$74.68$73.86$74.111.68M
Aug 12$73.44$74.22$72.96$73.912.62M
Aug 11$72.78$73.48$72.392.71M
Aug 10$72.17$72.91$71.87$72.672.07M
Aug 7$72.03$72.94$71.59$72.672.00M