Symbols / CFG Stock $63.79 -2.12% Citizens Financial Group, Inc.

Financial Services • Banks - Regional • United States • NYQ
CFG (Stock) Chart
O: — H: — L: — C: — V: —
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Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Bruce Winfield Van Saun
Exch · Country NYQ · United States
Market Cap 27.18B
Enterprise Value 28.44B
Income 1.83B
Sales 7.89B
FCF (ttm) —
Book/sh 56.48
Cash/sh 30.89
Employees 17,380
Insider 10d —
IPO Sep 24, 2014
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 41.71%
P/E 15.12
Forward P/E 9.99
PEG 1.65
P/S 3.45
P/B 1.13
P/C —
EV/EBITDA —
EV/Sales 3.61
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 4.22
EPS next Y 6.38
EPS Growth 46.80%
Revenue Growth 13.80%
EPS Gr Q/Q 38.60%
Rev Gr Q/Q —
Earnings (next) 2026-07-16
Earnings (prior) 2026-04-16
ROA 0.88%
ROE 7.74%
ROIC —
Gross Margin 0.00%
Oper. Margin 32.05%
Profit Margin 25.05%
Shs Outstand 426.02M
Shs Float 421.80M
Insider Own 0.73%
Instit Own 99.46%
Short Float 0.01%
Short Ratio 0.01
Short Interest 46.37K
52W High 68.79
vs 52W High -7.27%
52W Low 35.90
vs 52W Low 77.69%
Beta 1.06
Impl. Vol. 1.56%
Rel Volume 0.63
Avg Volume 5.18M
Volume 3.28M
Target (mean) $72.82
Tgt Median $73.00
Tgt Low $63.00
Tgt High $80.00
# Analysts 17
Recom Strong_buy
Prev Close $65.17
Price $63.79
Change -2.12%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$72.82
Mean price target
2. Current target
$63.79
Latest analyst target
3. DCF / Fair value
$63.30
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$63.79
Low
$63.00
High
$80.00
Mean
$72.82

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-21 main Evercore ISI Group Outperform → Outperform $75
2026-04-20 main DA Davidson Buy → Buy $74
2026-04-17 main RBC Capital Outperform → Outperform $70
2026-04-17 main Truist Securities Hold → Hold $69
2026-04-17 main Keefe, Bruyette & Woods Outperform → Outperform $72
2026-04-07 main JP Morgan Overweight → Overweight $68
2026-04-06 main Evercore ISI Group Outperform → Outperform $70
2026-03-31 main Morgan Stanley Overweight → Overweight $73
2026-03-23 main Truist Securities Hold → Hold $63
2026-03-09 up Baird Neutral → Outperform $65
2026-03-03 reit Cantor Fitzgerald Overweight → Overweight $75
2026-03-02 main Morgan Stanley Overweight → Overweight $80
2026-02-09 main JP Morgan Overweight → Overweight $71
2026-02-05 main Evercore ISI Group Outperform → Outperform $77
2026-01-26 main Truist Securities Hold → Hold $71
2026-01-26 main Citigroup Buy → Buy $71
2026-01-23 main Argus Research Buy → Buy $72
2026-01-22 main B of A Securities Buy → Buy $78
2026-01-22 main TD Cowen Buy → Buy $78
2026-01-22 main Morgan Stanley Overweight → Overweight $73
News
RSS: Latest CFG news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-11 LAMONICA SUSAN Officer — 13,258 $58.04 $769,494
2026-02-27 BANERJEE AUNOY Chief Financial Officer — 12,335 $0.00 $0
2026-02-27 LAMONICA SUSAN Officer — 12,149 $0.00 $0
2026-02-27 COUGHLIN BRENDAN President — 26,499 $0.00 $0
2026-02-27 STEIN RICHARD L Officer — 12,958 $0.00 $0
2026-02-27 RUTTLEDGE MICHAEL Chief Technology Officer — 11,879 $0.00 $0
2026-02-27 SCHNIREL CHRISTOPHER J Officer — 5,814 $0.00 $0
2026-02-27 MOOSALLY MICHELLE Officer — 7,060 $0.00 $0
2026-02-27 SWIMMER THEODORE C Officer — 20,383 $0.00 $0
2026-02-27 VAN SAUN BRUCE W Chief Executive Officer — 51,916 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
8,247.00
+5.61%
7,809.00
-5.05%
8,224.00
+2.53%
8,021.00
Operating Revenue
8,247.00
+5.61%
7,809.00
-5.05%
8,224.00
+2.53%
8,021.00
Selling General And Administration
3,121.00
+4.42%
2,989.00
+1.29%
2,951.00
+4.98%
2,811.00
Selling And Marketing Expense
170.00
+0.00%
170.00
-9.09%
187.00
+12.65%
166.00
General And Administrative Expense
2,951.00
+4.68%
2,819.00
+1.99%
2,764.00
+4.50%
2,645.00
Salaries And Wages
2,798.00
+5.31%
2,657.00
+2.23%
2,599.00
+1.96%
2,549.00
Reconciled Depreciation
478.00
-4.02%
498.00
+4.18%
478.00
-15.40%
565.00
Total Unusual Items
26.00
+183.87%
-31.00
+86.22%
-225.00
+7.79%
-244.00
Total Unusual Items Excluding Goodwill
26.00
+183.87%
-31.00
+86.22%
-225.00
+7.79%
-244.00
Special Income Charges
26.00
+183.87%
-31.00
+86.22%
-225.00
+7.79%
-244.00
Other Special Charges
-26.00
-183.87%
31.00
-86.22%
225.00
—
Restructuring And Mergern Acquisition
—
110.00
+5.77%
104.00
-57.38%
244.00
Net Income
1,831.00
+21.34%
1,509.00
-6.16%
1,608.00
-22.43%
2,073.00
Pretax Income
2,328.00
+23.31%
1,888.00
-7.00%
2,030.00
-23.54%
2,655.00
Net Interest Income
5,853.00
+3.91%
5,633.00
-9.74%
6,241.00
+3.81%
6,012.00
Interest Expense
3,810.00
-16.32%
4,553.00
+14.89%
3,963.00
+278.15%
1,048.00
Interest Income
9,663.00
-5.13%
10,186.00
-0.18%
10,204.00
+44.53%
7,060.00
Gain On Sale Of Security
22.00
+22.22%
18.00
-35.71%
28.00
+211.11%
9.00
Tax Provision
497.00
+31.13%
379.00
-10.19%
422.00
-27.49%
582.00
Tax Rate For Calcs
0.00
+6.35%
0.00
-3.30%
0.00
-5.34%
0.00
Tax Effect Of Unusual Items
5.55
+189.20%
-6.22
+86.68%
-46.71
0.00
Net Income Including Noncontrolling Interests
1,831.00
+21.34%
1,509.00
-6.16%
1,608.00
-22.43%
2,073.00
Net Income From Continuing Operation Net Minority Interest
1,831.00
+21.34%
1,509.00
-6.16%
1,608.00
-22.43%
2,073.00
Net Income From Continuing And Discontinued Operation
1,831.00
+21.34%
1,509.00
-6.16%
1,608.00
-22.43%
2,073.00
Net Income Continuous Operations
1,831.00
+21.34%
1,509.00
-6.16%
1,608.00
-22.43%
2,073.00
Normalized Income
1,810.55
+18.05%
1,533.78
-14.14%
1,786.29
-13.83%
2,073.00
Net Income Common Stockholders
1,688.00
+23.03%
1,372.00
-7.98%
1,491.00
-23.93%
1,960.00
Otherunder Preferred Stock Dividend
5.00
+102.79%
-179.00
-252.99%
117.00
—
Diluted EPS
3.86
+27.39%
3.03
-3.19%
3.13
-23.66%
4.10
Basic EPS
3.90
+27.87%
3.05
-2.87%
3.14
-23.79%
4.12
Basic Average Shares
433.17
-3.88%
450.68
-5.14%
475.09
-0.18%
475.96
Diluted Average Shares
436.89
-3.66%
453.51
-4.86%
476.69
-0.23%
477.80
Diluted NI Availto Com Stockholders
1,688.00
+23.03%
1,372.00
-7.98%
1,491.00
-23.93%
1,960.00
Insurance And Claims
153.00
-5.56%
162.00
-1.82%
165.00
+71.88%
96.00
Occupancy And Equipment
1,218.00
+0.16%
1,216.00
-2.56%
1,248.00
+17.96%
1,058.00
Other Non Interest Expense
998.00
+0.00%
998.00
-7.85%
1,083.00
+5.87%
1,023.00
Preferred Stock Dividends
138.00
+0.73%
137.00
+17.09%
117.00
+3.54%
113.00
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
226,351.00
+4.06%
217,521.00
-2.00%
221,964.00
-2.10%
226,733.00
Cash And Cash Equivalents
13,688.00
+21.82%
11,236.00
-6.62%
12,033.00
+10.90%
10,850.00
Cash Financial
12,727.00
+20.05%
10,601.00
-8.83%
11,628.00
+10.25%
10,547.00
Other Short Term Investments
35,589.00
+9.13%
32,613.00
+9.93%
29,667.00
+24.98%
23,737.00
Receivables
1,080.00
+5.16%
1,027.00
-10.54%
1,148.00
-21.15%
1,456.00
Accounts Receivable
—
—
—
—
Other Receivables
1,080.00
+5.16%
1,027.00
-10.54%
1,148.00
-21.15%
1,456.00
Net PPE
915.00
+4.57%
875.00
-2.23%
895.00
+6.04%
844.00
Gross PPE
1,736.00
+3.03%
1,685.00
-1.35%
1,708.00
+0.12%
1,706.00
Accumulated Depreciation
-821.00
-1.36%
-810.00
+0.37%
-813.00
+5.68%
-862.00
Land And Improvements
143.00
-0.69%
144.00
+0.70%
143.00
-0.69%
144.00
Buildings And Improvements
901.00
+1.58%
887.00
+1.37%
875.00
-0.46%
879.00
Machinery Furniture Equipment
581.00
-3.33%
601.00
-1.96%
613.00
-1.45%
622.00
Construction In Progress
110.00
+107.55%
53.00
-31.17%
77.00
+26.23%
61.00
Other Properties
1.00
—
—
—
Goodwill And Other Intangible Assets
8,302.00
-0.37%
8,333.00
-0.14%
8,345.00
-0.30%
8,370.00
Goodwill
8,187.00
+0.00%
8,187.00
-0.01%
8,188.00
+0.18%
8,173.00
Other Intangible Assets
115.00
-21.23%
146.00
-7.01%
157.00
-20.30%
197.00
Investments And Advances
43,455.00
+5.66%
41,129.00
+6.42%
38,647.00
+15.50%
33,461.00
Total Liabilities Net Minority Interest
200,034.00
+3.50%
193,267.00
-2.20%
197,622.00
-2.67%
203,043.00
Current Debt And Capital Lease Obligation
2,048.00
+3.02%
1,988.00
+293.66%
505.00
+16733.33%
3.00
Current Debt
2,048.00
+3.02%
1,988.00
+293.66%
505.00
+16733.33%
3.00
Other Current Borrowings
58.00
0.00
-100.00%
505.00
+16733.33%
3.00
Long Term Debt And Capital Lease Obligation
9,234.00
-11.32%
10,413.00
-22.68%
13,467.00
-15.23%
15,887.00
Long Term Debt
9,234.00
-11.32%
10,413.00
-22.68%
13,467.00
-15.23%
15,887.00
Stockholders Equity
26,317.00
+8.51%
24,254.00
-0.36%
24,342.00
+2.75%
23,690.00
Common Stock Equity
24,206.00
+9.33%
22,141.00
-0.84%
22,328.00
+3.01%
21,676.00
Capital Stock
2,118.00
-0.09%
2,120.00
+4.95%
2,020.00
+0.00%
2,020.00
Common Stock
7.00
+0.00%
7.00
+16.67%
6.00
+0.00%
6.00
Preferred Stock
2,111.00
-0.09%
2,113.00
+4.92%
2,014.00
+0.00%
2,014.00
Share Issued
652.24
+0.33%
650.07
+0.35%
647.83
+0.40%
645.22
Ordinary Shares Number
429.24
-2.57%
440.54
-5.55%
466.42
-5.25%
492.28
Treasury Shares Number
223.00
+6.43%
209.52
+15.50%
181.41
+18.62%
152.94
Additional Paid In Capital
22,476.00
+0.50%
22,364.00
+0.51%
22,250.00
+0.49%
22,142.00
Retained Earnings
11,345.00
+8.96%
10,412.00
+6.07%
9,816.00
+7.17%
9,159.00
Gains Losses Not Affecting Retained Earnings
-1,970.00
+45.20%
-3,595.00
+4.34%
-3,758.00
+17.59%
-4,560.00
Treasury Stock
7,652.00
+8.59%
7,047.00
+17.72%
5,986.00
+18.04%
5,071.00
Other Equity Adjustments
-1,970.00
+45.20%
-3,595.00
+4.34%
-3,758.00
+17.59%
-4,560.00
Total Equity Gross Minority Interest
26,317.00
+8.51%
24,254.00
-0.36%
24,342.00
+2.75%
23,690.00
Total Capitalization
35,551.00
+2.55%
34,667.00
-8.31%
37,809.00
-4.47%
39,577.00
Invested Capital
35,488.00
+2.74%
34,542.00
-4.84%
36,300.00
-3.37%
37,566.00
Total Debt
11,282.00
-9.02%
12,401.00
-11.24%
13,972.00
-12.07%
15,890.00
Net Debt
—
1,165.00
-39.92%
1,939.00
-61.53%
5,040.00
Net Tangible Assets
18,015.00
+13.15%
15,921.00
-0.48%
15,997.00
+4.42%
15,320.00
Tangible Book Value
15,904.00
+15.18%
13,808.00
-1.25%
13,983.00
+5.09%
13,306.00
Cash Cash Equivalents And Federal Funds Sold
13,688.00
+21.82%
11,236.00
-6.62%
12,033.00
+10.90%
10,850.00
Current Notes Payable
1,990.00
+0.10%
1,988.00
0.00
—
Derivative Product Liabilities
779.00
-36.15%
1,220.00
-21.90%
1,562.00
-18.18%
1,909.00
Held To Maturity Securities
7,866.00
-7.63%
8,516.00
-5.17%
8,980.00
-7.65%
9,724.00
Preferred Shares Number
50.00
+47.06%
34.00
+13.33%
30.00
+0.00%
30.00
Preferred Stock Equity
2,111.00
-0.09%
2,113.00
+4.92%
2,014.00
+0.00%
2,014.00
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
2,211.00
+10.49%
2,001.00
-32.42%
2,961.00
-28.11%
4,119.00
Cash Flow From Continuing Operating Activities
2,211.00
+10.49%
2,001.00
-32.42%
2,961.00
-28.11%
4,119.00
Net Income From Continuing Operations
1,831.00
+21.34%
1,509.00
-6.16%
1,608.00
-22.43%
2,073.00
Depreciation Amortization Depletion
478.00
-4.02%
498.00
+4.18%
478.00
-15.40%
565.00
Depreciation
478.00
-4.02%
498.00
+4.18%
478.00
-15.40%
565.00
Depreciation And Amortization
478.00
-4.02%
498.00
+4.18%
478.00
-15.40%
565.00
Other Non Cash Items
-414.00
-1625.00%
-24.00
-124.49%
98.00
-94.35%
1,733.00
Stock Based Compensation
120.00
+23.71%
97.00
+11.49%
87.00
+3.57%
84.00
Deferred Tax
-82.00
+53.67%
-177.00
+26.86%
-242.00
-524.56%
57.00
Deferred Income Tax
-82.00
+53.67%
-177.00
+26.86%
-242.00
-524.56%
57.00
Operating Gains Losses
-24.00
-33.33%
-18.00
+35.71%
-28.00
-211.11%
-9.00
Change In Working Capital
-306.00
+46.41%
-571.00
-309.16%
273.00
+131.82%
-858.00
Change In Other Current Assets
89.00
+134.10%
-261.00
-142.65%
612.00
+132.31%
-1,894.00
Change In Other Current Liabilities
-395.00
-27.42%
-310.00
+8.55%
-339.00
-132.72%
1,036.00
Investing Cash Flow
-5,967.00
-299.77%
2,987.00
-43.08%
5,248.00
+141.53%
-12,637.00
Cash Flow From Continuing Investing Activities
-5,967.00
-299.77%
2,987.00
-43.08%
5,248.00
+141.53%
-12,637.00
Capital Expenditure
-174.00
-42.62%
-122.00
+29.07%
-172.00
-36.51%
-126.00
Capital Expenditure Reported
-174.00
-42.62%
-122.00
+29.07%
-172.00
-36.51%
-126.00
Net Investment Purchase And Sale
-898.00
+58.62%
-2,170.00
+50.50%
-4,384.00
+14.72%
-5,141.00
Purchase Of Investment
-9,463.00
+2.99%
-9,755.00
+3.29%
-10,087.00
+6.39%
-10,776.00
Sale Of Investment
8,565.00
+12.92%
7,585.00
+33.00%
5,703.00
+1.21%
5,635.00
Net Business Purchase And Sale
—
0.00
0.00
+100.00%
-255.00
Purchase Of Business
—
0.00
0.00
+100.00%
-255.00
Net Other Investing Changes
-347.00
-273.12%
-93.00
-52.46%
-61.00
+93.00%
-871.00
Financing Cash Flow
5,882.00
+197.79%
-6,015.00
+15.61%
-7,128.00
-171.95%
9,907.00
Cash Flow From Continuing Financing Activities
5,882.00
+197.79%
-6,015.00
+15.61%
-7,128.00
-171.95%
9,907.00
Net Issuance Payments Of Debt
-1,152.00
+28.27%
-1,606.00
+16.92%
-1,933.00
-140.01%
4,831.00
Issuance Of Debt
8,534.00
-35.27%
13,185.00
-49.26%
25,983.00
+5.55%
24,617.00
Repayment Of Debt
-9,744.00
+31.79%
-14,286.00
+49.73%
-28,418.00
-44.32%
-19,691.00
Long Term Debt Issuance
8,534.00
-35.27%
13,185.00
-49.26%
25,983.00
+5.55%
24,617.00
Long Term Debt Payments
-9,744.00
+31.79%
-14,286.00
+49.73%
-28,418.00
-44.32%
-19,691.00
Net Long Term Debt Issuance
-1,210.00
-9.90%
-1,101.00
+54.78%
-2,435.00
-149.43%
4,926.00
Short Term Debt Payments
—
—
—
-95.00
Net Short Term Debt Issuance
58.00
+111.49%
-505.00
-200.60%
502.00
+628.42%
-95.00
Net Common Stock Issuance
-600.00
+42.86%
-1,050.00
-15.89%
-906.00
-492.16%
-153.00
Common Stock Payments
-600.00
+42.86%
-1,050.00
-15.89%
-906.00
-492.16%
-153.00
Common Stock Dividend Paid
-755.00
+1.82%
-769.00
+4.83%
-808.00
-3.72%
-779.00
Cash Dividends Paid
-888.00
+1.66%
-903.00
+2.69%
-928.00
-4.04%
-892.00
Repurchase Of Capital Stock
-1,000.00
+25.93%
-1,350.00
-49.01%
-906.00
-492.16%
-153.00
Net Other Financing Charges
-8.00
-144.44%
18.00
-14.29%
21.00
+184.00%
-25.00
Changes In Cash
2,126.00
+307.01%
-1,027.00
-195.00%
1,081.00
-22.17%
1,389.00
Beginning Cash Position
10,601.00
-8.83%
11,628.00
+10.25%
10,547.00
+15.17%
9,158.00
End Cash Position
12,727.00
+20.05%
10,601.00
-8.83%
11,628.00
+10.25%
10,547.00
Free Cash Flow
2,037.00
+8.41%
1,879.00
-32.63%
2,789.00
-30.15%
3,993.00
Interest Paid Supplemental Data
4,040.00
-7.66%
4,375.00
+20.19%
3,640.00
+268.05%
989.00
Income Tax Paid Supplemental Data
—
208.00
-44.53%
375.00
+104.92%
183.00
Issuance Of Capital Stock
393.00
+0.26%
392.00
0.00
0.00
Net Preferred Stock Issuance
-7.00
-107.61%
92.00
0.00
0.00
Preferred Stock Dividend Paid
-133.00
+0.75%
-134.00
-11.67%
-120.00
-6.19%
-113.00
Preferred Stock Issuance
393.00
+0.26%
392.00
0.00
0.00
Preferred Stock Payments
-400.00
-33.33%
-300.00
0.00
0.00
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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