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
Vol3.85M
As of25 Sep 2026

The Verdict

Hold

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/E14.28x
Forward P/E10.03x
P / S (ttm)3.38x
Profit margin26.1%
Return on equity8.3%
Revenue growth+14.7%
Earnings growth+41.3%

Layer Breakdown

LayerRawContribution
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.

United States · www.citizensbank.com

Risk Metrics

Beta vs SPX1.22
Corr SPX0.63
Annual vol30.9%
Annual ret+27.4%
Sharpe0.89
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
Analysts17
Strong Buy6
Buy11
Hold1
Sell0
Strong Sell0

Recent rating actions

2026-04-30JP Morgan→ Overweight
2026-04-21Evercore ISI Group→ Outperform
2026-04-20DA Davidson→ Buy
2026-04-17Truist Securities→ Hold
2026-04-17RBC Capital→ Outperform
2026-04-17Keefe, Bruyette & Woods→ Outperform

Material Events

DateEvent8-K
2026-07-313.03, Bylaws Amendment…read
2026-07-21Other Material Event, Exhibitsread
2026-07-16Earnings Release, Reg FD Disclosure…read
2026-04-24Shareholder Voteread
2026-04-16Earnings Release, Reg FD Disclosure…read
2026-01-29Other Material Event, Exhibitsread
2026-01-22Other Material Event, Exhibitsread
2026-01-21Earnings Release, Reg FD Disclosure…read
2025-10-15Earnings Release, Reg FD Disclosure…read
2025-10-07Officer / Director Change, Exhibitsread
2025-10-06Bylaws Amendment, Exhibitsread
2025-08-12Officer / Director Change, Exhibitsread

Insider Trades

DateInsiderRoleActionSharesValue
2026-07-24VAN SAUN BRUCEChairman and CEOSell129.37K$9.32M
2026-07-24VAN SAUN BRUCEChairman and CEOGift20.85K—
2026-07-24VAN SAUN BRUCEChairman and CEOGift17.50K—
2026-06-15Stein Richard L.Chief Risk OfficerWithheld for tax4.91K$332.36K
2026-05-14Leary Robert GGrant251—
2026-05-14Alexander LeeGrant195—
2026-05-14SIEKERKA MICHELE NGrant162—
2026-05-14Cumming Christine MGrant323—
2026-05-14Swift ChristopherGrant195—
2026-05-14Cummings KevinGrant162—

Flow & Concentration

Insider 180d net-$9.32M
Insider buys / sells0 / 1
Insider biasSellers
13F holders0
Top-5 share0.0%
HHI0 (—)

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

DateFormDoc
2026-08-0713F-HRview
2026-08-0310-Qview
2026-07-318-Kview
2026-07-284view
2026-07-23424B2view
2026-07-218-Kview
2026-07-21424B2view
2026-07-168-Kview
2026-06-164view
2026-05-154view
2026-05-154view
2026-05-154view
2026-05-154view
2026-05-154view
2026-05-154view

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%

Indices

S&P 500

Recent Sessions

DateOpenHighLowCloseVol
Sep 25$65.03$65.77$64.69$65.533.85M
Sep 24$64.77$64.89$63.85$64.734.28M
Sep 23$65.00$65.74$64.54$64.614.70M
Sep 22$67.50$67.62$65.35$65.494.90M
Sep 21$67.00$67.68$66.95$67.363.17M

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