Citizens Financial (CFG)
NYSE:CFG
CFG Stock Chart & Stats
$58.56
-$0.45(-1.01%)
At close: 4:00 PM EST
$58.56
-$0.45(-1.01%)
Day’s Range― - ―
52-Week Range$32.60 - $68.79
Previous CloseN/A
Volume559.02K
Average Volume (3M)5.16M
Market Cap
$24.89B
Enterprise Value$23.71B
Total Cash (Recent Filing)$49.38B
Total Debt (Recent Filing)$11.28B
Price to Earnings (P/E)13.8
Beta1.18
Next Earnings
Apr 16, 2026EPS Estimate
1.09Next Dividend Ex-DateN/A
Dividend Yield2.89%
Share Statistics
EPS (TTM)1.13
Shares Outstanding424,993,900
10 Day Avg. Volume4,791,122
30 Day Avg. Volume5,158,263
Financial Highlights & Ratios
PEG Ratio0.49
Price to Book (P/B)0.96
Price to Sales (P/S)2.26
P/FCF Ratio12.37
Enterprise Value/Market Cap0.95
Enterprise Value/Revenue2.13
Enterprise Value/Gross Profit3.05
Enterprise Value/Ebitda8.80
Forecast
1Y Price Target
$72.78Price Target Upside24.28% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering18
EPS Forecast (FY)5.12
Revenue Forecast (FY)$9.09B
Bulls Say, Bears Say
Bulls Say
Capital Returns And ValuationContinued share repurchases enabled by excess capital, along with analyst upgrades based on higher normalized returns, support upside to the bank's valuation multiples.
Net Interest Income GuidanceManagement's raised net interest income guidance, supported by stronger deposit growth and net interest margin expansion, indicates a clearer path to revenue improvement.
Private Banking GrowthScaling of the private banking franchise is expected to contribute a significantly larger share of earnings, diversifying revenue and helping offset runoff in noncore loans.
Bears Say
Compensation Expense PressureHigher compensation expenses are eroding the benefits of stronger deposit-driven revenue and reducing near-term profit upside.
Noncore Loan RunoffOngoing runoff in the noncore loan portfolio is weighing on overall loan growth and limiting interest income expansion.
Operating Expenses Offsetting Fee GainsBetter-than-expected fee income has been largely offset by higher operating expenses, muting the net contribution of fee growth to earnings.
Citizens Financial News
CFG FAQ
What was Citizens Financial’s price range in the past 12 months?
Citizens Financial lowest stock price was $32.60 and its highest was $68.79 in the past 12 months.
What is Citizens Financial’s market cap?
Citizens Financial’s market cap is $24.89B.
When is Citizens Financial’s upcoming earnings report date?
Citizens Financial’s upcoming earnings report date is Apr 16, 2026 which is in 19 days.
How were Citizens Financial’s earnings last quarter?
Citizens Financial released its earnings results on Jan 21, 2026. The company reported $1.13 earnings per share for the quarter, beating the consensus estimate of $1.102 by $0.028.
Is Citizens Financial overvalued?
According to Wall Street analysts Citizens Financial’s price is currently Undervalued.
Does Citizens Financial pay dividends?
Citizens Financial pays a Quarterly dividend of $0.46 which represents an annual dividend yield of 2.89%. See more information on Citizens Financial dividends here
What is Citizens Financial’s EPS estimate?
Citizens Financial’s EPS estimate is 1.09.
How many shares outstanding does Citizens Financial have?
Citizens Financial has 424,993,900 shares outstanding.
What happened to Citizens Financial’s price movement after its last earnings report?
Citizens Financial reported an EPS of $1.13 in its last earnings report, beating expectations of $1.102. Following the earnings report the stock price went up 7.107%.
Which hedge fund is a major shareholder of Citizens Financial?
Currently, no hedge funds are holding shares in CFG
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Citizens Financial Stock Smart Score
Neutral
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Analyst Consensus
Strong Buy
Average Price Target:
$72.78 (24.28% Upside)
$72.78 (24.28% Upside)
Blogger Sentiment
Bullish
CFG Sentiment 100%
Sector Average 68%
Sector Average 68%
Hedge Fund Trend
Decreased
By 1.2M Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $769.5K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Positive
Last 7 Days ▲ 1.4%
Last 30 Days ▲ 13.9%
Last 30 Days ▲ 13.9%
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
45.71%
12-Months-Change
Fundamentals
Return on Equity
7.16%
Trailing 12-Months
Asset Growth
4.06%
Trailing 12-Months
Company Description
Citizens Financial
Citizens Financial Group, Inc. operates as the bank holding company for Citizens Bank, National Association 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 government banking, not-for-profit, healthcare, technology, professionals, oil and gas, asset finance, franchise finance, asset-based lending, commercial real estate, private equity, and sponsor finance industries. It operates approximately 1,200 branches in 14 states and the District of Columbia; 114 retail and commercial non-branch offices in national markets; and approximately 3,300 automated teller machines. 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.
CFG Company Deck
CFG Earnings Call
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call emphasized strong execution and multiple areas of momentum: meaningful EPS and NII growth, record wealth performance, a rapidly scaling private bank with solid ROE, positive operating leverage, substantial non-core runoff, and a robust capital-return plan. Management provided constructive 2026 guidance (NII growth 10%–12%, fees +6%–8%, expenses +4.5%) and a clear medium-term ROTCE target (16%–18%). Headwinds are present but manageable: expenses slightly above prior guidance, quarter-to-quarter fee timing volatility, one-time Reimagine costs front-loaded in 2026, ongoing CRE/legacy portfolio work, and uncertainty around SCB/stress-test modeling. Overall, the positives substantially outweigh the challenges, with management confident in execution and a path to materially higher returns over the medium term.View all CFG earnings summariesCFG Revenue Breakdown
70.97% Net interest income
29.03% Noninterest income
CFG Stock 12 Month Forecast
Average Price Target
$72.78
▲(24.28% Upside)
Technical Analysis
Ownership Overview
0.77% Insiders
33.44% Mutual Funds
26.87% Other Institutional Investors
10.87% Public Companies and Individual Investors