Citizens Financial Group (CFG) Stock Overview
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. More details
| Snowflake Score | |
|---|---|
| Valuation | 3/6 |
| Future Growth | 3/6 |
| Past Performance | 4/6 |
| Financial Health | 6/6 |
| Dividends | 5/6 |
Rewards
Risk Analysis
No risks detected for CFG from our risk checks.
CFG Community Fair Values
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Analyst Price Targets
Top Community Narratives
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Community Contributor
Tommorow Morning will be a Beat added to their records.
Citizens Financial is currently $43.60. They will be releasing their quarterly report tomorrow morning during Pre-Market.
View narrativeUS$86.72
FV
25.0% undervalued intrinsic discount15.00%
Revenue growth p.a.
65
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Citizens Financial Group, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$65.05 |
| 52 Week High | US$68.79 |
| 52 Week Low | US$36.72 |
| Beta | 1.06 |
| 1 Month Change | 8.47% |
| 3 Month Change | 3.29% |
| 1 Year Change | 74.44% |
| 3 Year Change | 161.77% |
| 5 Year Change | 32.35% |
| Change since IPO | 181.85% |
Recent News & Updates
CFG: Future Upside Will Hinge On Credit Quality And Capital Returns
The analyst price target for Citizens Financial Group has moved higher to reflect a fair value estimate of about $72.82. Analysts cite updated assumptions for revenue growth, profit margins, and a lower future P/E multiple.Citizens Financial Group: Margin Expansion Continues To Drive Strong Growth
Apr 17CFG: Future Upside Will Hinge On Credit Quality And Ongoing Buybacks
Narrative Update on Citizens Financial Group The updated analyst price target for Citizens Financial Group edges slightly lower to around $71.63 from $72.20, as analysts recalibrate their models to reflect a mix of recent target cuts and prior increases, along with adjustments to revenue growth, profit margin expectations and future P/E assumptions. Analyst Commentary Recent Street research on Citizens Financial Group shows a mix of enthusiasm and caution, with several firms adjusting price targets both higher and lower while updating ratings and lists of preferred bank stocks.CFG: Multi Year Upside Will Rely On Credit Strength And Buybacks
Narrative Update on Citizens Financial Group The analyst price target for Citizens Financial Group has been trimmed by $0.60 to reflect a slightly lower fair value of $72.2. Analysts are balancing earlier target increases with more cautious assumptions around required returns and forward P/E multiples. Analyst Commentary Recent Street research on Citizens Financial Group shows a mix of optimism on earnings power and capital strength alongside some caution on valuation and execution risk.Recent updates
CFG: Future Upside Will Hinge On Credit Quality And Capital Returns
The analyst price target for Citizens Financial Group has moved higher to reflect a fair value estimate of about $72.82. Analysts cite updated assumptions for revenue growth, profit margins, and a lower future P/E multiple.Citizens Financial Group: Margin Expansion Continues To Drive Strong Growth
Apr 17CFG: Future Upside Will Hinge On Credit Quality And Ongoing Buybacks
Narrative Update on Citizens Financial Group The updated analyst price target for Citizens Financial Group edges slightly lower to around $71.63 from $72.20, as analysts recalibrate their models to reflect a mix of recent target cuts and prior increases, along with adjustments to revenue growth, profit margin expectations and future P/E assumptions. Analyst Commentary Recent Street research on Citizens Financial Group shows a mix of enthusiasm and caution, with several firms adjusting price targets both higher and lower while updating ratings and lists of preferred bank stocks.CFG: Multi Year Upside Will Rely On Credit Strength And Buybacks
Narrative Update on Citizens Financial Group The analyst price target for Citizens Financial Group has been trimmed by $0.60 to reflect a slightly lower fair value of $72.2. Analysts are balancing earlier target increases with more cautious assumptions around required returns and forward P/E multiples. Analyst Commentary Recent Street research on Citizens Financial Group shows a mix of optimism on earnings power and capital strength alongside some caution on valuation and execution risk.CFG: Multi Year Outlook Will Lean On Credit Strength And Capital Returns
Analysts have nudged their fair value estimate for Citizens Financial Group slightly higher to $72.80, reflecting a series of upward price target revisions across the Street that highlight improving views on loan growth, net interest margin and capital strength in regional banks. Analyst Commentary Street research on Citizens Financial Group has tilted more constructive, with a cluster of price target increases and at least one rating upgrade pointing to growing confidence in the bank's earnings power, balance sheet resilience and ability to execute on its initiatives.CFG: Multi Year Outlook Will Prioritize Credit Risk Over Expense Uncertainty
Analysts have raised their price targets on Citizens Financial Group, leading to a modest increase in our fair value estimate to $72.70. They cite updated expectations for expenses, loan growth, and returns, which are reflected in a slightly lower assumed future P/E multiple.CFG: Multi Year Outlook Will Balance Credit Risk And Cost Execution
Analysts have nudged their price expectations for Citizens Financial Group higher, reflected in a fair value estimate moving from about US$71.38 to US$72.28. A series of recent price target increases across the Street points to growing confidence in the bank's earnings power and valuation, even as they factor in slightly lower revenue growth and profit margin assumptions alongside a higher future P/E multiple.CFG: Prime Rate Cut And Credit Trends Will Support Multi Year Upside
Analysts have lifted their price targets on Citizens Financial Group, supporting an increase in our fair value estimate from $67.18 to $71.38. This reflects updated assumptions around revenue growth, profit margins, and a slightly higher future P/E multiple.CFG: Lower Prime Rate And Capital Returns Will Shape Expense And Credit Outlook
The analyst price target for Citizens Financial Group has moved higher to approximately US$67 from about US$62, as analysts factor in updated views on loan growth, profitability, and valuation following recent research that highlights stronger fee income, ongoing net interest income momentum, and an improving outlook for regional banks. Analyst Commentary Recent Street research on Citizens Financial Group presents a mix of optimism on earnings power and valuation, alongside some caution on expenses and credit risk.CFG: Lower Prime Rate And Dividend Increase Will Shape Profitability Outlook
Analysts have nudged their fair value estimate for Citizens Financial Group higher to approximately $62.23 from $61.83, reflecting modestly stronger profitability expectations and sustained support from a series of recent price target increases across the Street. Analyst Commentary Bullish analysts have become incrementally more constructive on Citizens Financial Group as recent quarters have demonstrated solid earnings execution, improving fee trends, and the potential for higher through cycle profitability.CFG: Lower Lending Rates And Dividend Growth Will Signal Improving Profit Outlook
The consensus analyst price target for Citizens Financial Group has been raised. Recent updates range from $56 to $71 per share, reflecting improved earnings and increased optimism for sustained profitability and loan growth, according to analysts.CFG: Net Interest Momentum And Lower Lending Rates Will Drive Further Upside
The analyst fair value price target for Citizens Financial Group has increased slightly by $0.10 to $61.83. Analysts point to ongoing improvements in profitability and continued momentum behind higher fee income and net interest growth.CFG: Net Interest Margin And Fee Income Gains Will Drive Upside Momentum
The analyst price target for Citizens Financial Group has increased slightly to $61.73. This reflects analysts' expectations for improved profit margins, along with ongoing strength in capital markets and fee income.Citizens Financial Group (NYSE:CFG) Will Pay A Larger Dividend Than Last Year At $0.46
Oct 18
AI And Digital Banking Will Improve Operational Efficiency
The analyst price target for Citizens Financial Group has been raised from $58.60 to $61.48. Analysts cite robust earnings, improving profitability, and constructive industry trends as key drivers of the upward revision.AI And Digital Banking Will Improve Operational Efficiency
The analyst price target for Citizens Financial Group has been raised from $56.45 to $58.60. This reflects analysts' expectations for improved profitability and favorable sector catalysts in the near term.AI And Digital Banking Will Improve Operational Efficiency
Citizens Financial Group’s consensus price target was raised as analysts grew more confident in its strong recent results, improved earnings outlook, and attractive valuation, driving a modest increase in fair value from $55.47 to $56.21. Analyst Commentary Bullish analysts highlighted strong Q2 results, including higher revenue, robust loan and assets under management growth, and favorable credit metrics.Citizens Financial Group (NYSE:CFG) Has Affirmed Its Dividend Of $0.42
Jul 21Citizens Financial Group: Much Better Options Out There
Jan 17Citizens Financial: A Pivotal Year On Tap, Shares Fairly Priced, A Mixed Chart
Dec 30Citizens Financial: After An In-Line Q3, Shares Appear Fairly Valued
Oct 16Citizens Financial Group Q2 Preview: Potential Reserve Build Is A Source Of Caution (Downgrade)
Jul 11Citizens Financial Group: Two Good Income Options
May 09Citizens Financial: Solid Dividend And Discount
Apr 18Shareholder Returns
| CFG | US Banks | US Market | |
|---|---|---|---|
| 7D | -0.2% | -1.0% | -0.2% |
| 1Y | 74.4% | 29.9% | 27.6% |
Return vs Industry: CFG exceeded the US Banks industry which returned 30.7% over the past year.
Return vs Market: CFG exceeded the US Market which returned 29.1% over the past year.
Price Volatility
| CFG volatility | |
|---|---|
| CFG Average Weekly Movement | 4.0% |
| Banks Industry Average Movement | 3.6% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.2% |
| 10% least volatile stocks in US Market | 3.3% |
Stable Share Price: CFG has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: CFG's weekly volatility (4%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1828 | 17,380 | Bruce Van Saun | www.citizensbank.com |
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.
Citizens Financial Group, Inc. Fundamentals Summary
| CFG fundamental statistics | |
|---|---|
| Market cap | US$27.44b |
| Earnings (TTM) | US$1.83b |
| Revenue (TTM) | US$7.89b |
15.1x
P/E Ratio1.2x
P/B RatioIs CFG overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| CFG income statement (TTM) | |
|---|---|
| Revenue | US$7.89b |
| Cost of Revenue | US$0 |
| Gross Profit | US$7.89b |
| Other Expenses | US$6.05b |
| Earnings | US$1.83b |
Last Reported Earnings
Mar 31, 2026
Next Earnings Date
Jul 16, 2026
| Earnings per share (EPS) | 4.30 |
| Gross Margin | 100.00% |
| Net Profit Margin | 23.23% |
| Debt/Equity Ratio | 47.1% |
How did CFG perform over the long term?
See historical performance and comparisonDividends
2.8%
Current Dividend Yield41%
Payout RatioDoes CFG pay a reliable dividends?
See CFG dividend history and benchmarks| Citizens Financial Group dividend dates | |
|---|---|
| Ex Dividend Date | Apr 30 2026 |
| Dividend Pay Date | May 14 2026 |
| Days until Ex dividend | 1 day |
| Days until Dividend pay date | 13 days |
Does CFG pay a reliable dividends?
See CFG dividend history and benchmarksCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/04/30 21:25 |
| End of Day Share Price | 2026/04/30 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Citizens Financial Group, Inc. is covered by 37 analysts. 12 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| null null | Argus Research Company |
| David George | Baird |
| Jason Goldberg | Barclays |