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CFG Stock Chart & Stats
$69.83
-$0.78(-1.09%)
At close: 4:00 PM EDT
$69.83
-$0.78(-1.09%)
Day’s Range― - ―
52-Week Range$47.96 - $75.33
Previous Close$71.1
Volume3.64M
Average Volume (3M)3.37M
Market Cap
$26.91B
Enterprise Value$35.60K
Total Cash (Recent Filing)$12.76B
Total Debt (Recent Filing)$16.35B
Price to Earnings (P/E)13.7
Beta1.12
Next Earnings
Oct 16, 2026EPS Estimate
1.39Next Dividend Ex-DateN/A
Dividend Yield2.89%
Share Statistics
EPS (TTM)4.64
Shares Outstanding421,176,800
10 Day Avg. Volume4,157,339
30 Day Avg. Volume3,370,888
Financial Highlights & Ratios
PEG Ratio0.53
Price to Book (P/B)0.96
Price to Sales (P/S)2.26
P/FCF Ratio12.37
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$81.00Price Target Upside16.00% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering17
EPS Forecast (FY)5.3
Revenue Forecast (FY)$9.19B
Bulls Say, Bears Say
Bulls Say
Improving ProfitabilityStronger EPS and ROTCE show that Citizens is converting revenue growth into improved profitability and capital efficiency. If this performance persists, higher returns can support internal capital generation, shareholder distributions, and continued investment in the bank’s strategic growth areas.
NII And Margin ExpansionHigher net interest income and expanding NIM directly strengthen the bank’s core earnings engine. Continued improvement, supported by earning-asset growth and management’s margin guidance, could provide a durable earnings base, although deposit pricing remains an important execution consideration.
Diversified Fee BusinessesGrowth in capital markets and wealth fees broadens Citizens’ revenue mix beyond spread income, reducing reliance on a single earnings source. Record capital markets activity, a growing M&A pipeline, and stronger wealth results can deepen client relationships and support more recurring fee contribution.
Bears Say
Higher LeverageThe increase in debt-to-equity indicates that balance-sheet leverage has risen meaningfully from last year, even though the level remains moderate for a regional bank. Greater leverage can reduce financial flexibility and increase sensitivity to funding costs, capital requirements, and weaker operating conditions.
Weakening Cash-flow MomentumCitizens remains cash generative, but the year-over-year decline in operating and free cash flow weakens the momentum behind earnings conversion. Sustained deterioration could constrain internally funded growth, capital returns, or balance-sheet flexibility, particularly if credit or funding conditions become less favorable.
Temporary Margin SupportPart of the recent NIM improvement reflects time-based benefits that will amortize rather than repeat indefinitely. As those contributions fade, future margin expansion will rely more heavily on underlying loan yields, asset repricing, and deposit-cost management, raising execution risk around the outlook.
Citizens Financial News
CFG FAQ
What was Citizens Financial’s price range in the past 12 months?
Citizens Financial lowest stock price was $47.95 and its highest was $75.33 in the past 12 months.
What is Citizens Financial’s market cap?
Citizens Financial’s market cap is $26.91B.
When is Citizens Financial’s upcoming earnings report date?
Citizens Financial’s upcoming earnings report date is Oct 16, 2026 which is in 15 days.
How were Citizens Financial’s earnings last quarter?
Citizens Financial released its earnings results on Jul 16, 2026. The company reported $1.3 earnings per share for the quarter, beating the consensus estimate of $1.241 by $0.059.
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 1.39.
How many shares outstanding does Citizens Financial have?
Citizens Financial has 421,176,800 shares outstanding.
What happened to Citizens Financial’s price movement after its last earnings report?
Citizens Financial reported an EPS of $1.3 in its last earnings report, beating expectations of $1.241. Following the earnings report the stock price went up 4.612%.
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
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Strong Buy
Average Price Target:
$81.00 (16.00% Upside)
$81.00 (16.00% Upside)
Blogger Sentiment
Bullish
CFG Sentiment 75%
Sector Average 61%
Sector Average 61%
Hedge Fund Trend
Decreased
By 950.8K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $9.3M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Negative
Last 7 Days ▼ 0.7%
Last 30 Days ▼ 3.7%
Last 30 Days ▼ 3.7%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
23.54%
12-Months-Change
Fundamentals
Return on Equity
2.89%
Trailing 12-Months
Asset Growth
7.11%
Trailing 12-Months
Learn more about TipRanks Smart Score
Company Description
Citizens Financial
Citizens Financial Group, Inc. (CFG) functions as the holding company for Citizens Bank, National Association, a major financial institution offering a comprehensive suite of retail and commercial banking solutions across the United States. It serves a broad spectrum of clients, from individual consumers and small enterprises to large corporations and various institutions. Its business is segmented into two primary divisions: Consumer Banking and Commercial Banking. The Consumer Banking division delivers a robust array of products, encompassing deposit accounts, mortgage and home equity lending, credit cards, and business loans for smaller entities. It also provides wealth management, investment services, and specialized financing for areas like auto, education, and point-of-sale purchases, alongside digital deposit solutions. Clients engage with this segment through contact centers and its advanced online and mobile banking platforms. Conversely, the Commercial Banking segment provides sophisticated financial solutions designed for corporate and institutional clients. These include a wide range of lending and leasing products, treasury and deposit management services, foreign exchange, and risk mitigation tools for interest rates and commodities. Additionally, it offers syndicated loans, corporate finance advice, merger and acquisition (M&A) assistance, and capital markets services for debt and equity. Its client roster spans numerous industries, such as government, non-profit, healthcare, technology, professional services, energy (oil and gas), asset and franchise finance, asset-based lending, commercial real estate, private equity, and sponsor finance. The company boasts a substantial physical presence, operating approximately 1,200 branches across 14 states and the District of Columbia. Complementing these are 114 non-branch retail and commercial offices in key national markets and a network of roughly 3,300 automated teller machines. Founded in 1828, Citizens Financial Group, Inc. is headquartered in Providence, Rhode Island. It adopted its current name in April 2014, having previously operated as RBS Citizens Financial Group, Inc.
CFG Company Deck
CFG Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call emphasized a strong quarter with record revenue, solid EPS and ROTCE improvement, broad loan growth, a record capital markets quarter, an accelerating private bank and robust shareholder returns. Management reiterated disciplined expense control and clear medium-term operational initiatives (RTB and NEXT) with quantified benefits. Lowlights were mostly moderate and largely transitory: slight deposit cost pressure, modest FHLB usage, ongoing CRE runoff timing, a small CET1 shortfall versus a 10.5% anchor, and some upfront transformation costs. On balance, positive operational momentum and sizeable near- and medium-term catalysts outweigh the manageable and largely temporary headwinds.View all CFG earnings summariesCFG Revenue Breakdown
70.97% Net interest income
29.03% Noninterest income
CFG Stock 12 Month Forecast
Average Price Target
$81.00
▲(16.00% Upside)
Technical Analysis
First Citizens BancShares
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Huntington Bancshares
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KeyCorp
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M&T Bank
―
Regions Financial
―
Ownership Overview
0.78% Insiders
29.10% Mutual Funds
20.86% Other Institutional Investors
20.33% Public Companies and
Individual Investors