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 | 4/6 |
| Future Growth | 1/6 |
| Past Performance | 4/6 |
| Financial Health | 6/6 |
| Dividends | 5/6 |
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Risk Analysis
CFG Community Fair Values
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Citizens Financial Group
22.3% undervalued intrinsic discount
Tommorow Morning will be a Beat added to their records.
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Published 15 Oct 2024
Citizens Financial Group, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$67.36 |
| 52 Week High | US$75.33 |
| 52 Week Low | US$47.96 |
| Beta | 1.0 |
| 1 Month Change | -3.58% |
| 3 Month Change | -2.36% |
| 1 Year Change | 28.18% |
| 3 Year Change | 152.95% |
| 5 Year Change | 42.95% |
| Change since IPO | 191.85% |
Recent News & Updates
Seeking Alpha • Sep 01
Citizens Financial Group: Diversified Growth Supports Q2 2026 Earnings
Summary Citizens Financial Group is rated BUY, targeting a 16–18% ROTCE, with 2Q26 ROTCE at 13.9%. CFG delivered robust 2Q26 results: 14% net interest income growth, 35% net income growth, and strong capital markets and private banking momentum. CFG trades at a 13% discount to sector median P/B, with forward ROE projected 486% above peers, supporting valuation upside. A dividend yield of 2.6%, increased share repurchases, and private banking expansion provide downside protection and future growth catalysts. Read the full article on Seeking Alpha
Narrative Update • Jul 29
CFG: Future Returns Will Depend On Q2 Execution And Reimagine The Bank Delivery
The analyst price target for Citizens Financial Group in this update moves from $76.71 to $80.47. This change is supported by Street research that cites solid Q2 earnings, better credit quality, improving net interest income and fee trends, and progress on key initiatives such as the private bank build out and deposit franchise overhaul.Recent updates
Seeking Alpha • Sep 01
Citizens Financial Group: Diversified Growth Supports Q2 2026 Earnings
Summary Citizens Financial Group is rated BUY, targeting a 16–18% ROTCE, with 2Q26 ROTCE at 13.9%. CFG delivered robust 2Q26 results: 14% net interest income growth, 35% net income growth, and strong capital markets and private banking momentum. CFG trades at a 13% discount to sector median P/B, with forward ROE projected 486% above peers, supporting valuation upside. A dividend yield of 2.6%, increased share repurchases, and private banking expansion provide downside protection and future growth catalysts. Read the full article on Seeking AlphaNarrative Update • Jul 29
CFG: Future Returns Will Depend On Q2 Execution And Reimagine The Bank Delivery
The analyst price target for Citizens Financial Group in this update moves from $76.71 to $80.47. This change is supported by Street research that cites solid Q2 earnings, better credit quality, improving net interest income and fee trends, and progress on key initiatives such as the private bank build out and deposit franchise overhaul.Narrative Update • Jul 15
CFG: Future Returns Will Hinge On Q2 Delivery And Mixed Rate Backdrop
Analysts have nudged their price targets on Citizens Financial Group higher overall, with the updated fair value estimate rising from about $74.62 to roughly $76.71. They are factoring in slightly stronger profit margin assumptions and a modestly higher future P/E multiple, partially offset by more muted revenue growth expectations under a higher-for-longer rate backdrop.Narrative Update • Jun 30
CFG: Future Returns Will Hinge On Earnings Delivery Versus Mixed Street Conviction
The Analyst Price Target for Citizens Financial Group has moved higher from $72.91 to $74.62, as analysts factor in firmer revenue momentum, a slightly richer assumed future P/E, and modestly stronger profit margin assumptions supported by recent research updates across the Street. Analyst Commentary Recent research on Citizens Financial Group shows a mix of optimism and caution as analysts reassess earnings power, revenue trends, and valuation ahead of upcoming results.Analysis Article • Jun 19
Citizens Financial Group (CFG) Stock Could Be 8% Undervalued After Strong Quarterly Growth
Citizens Financial Group (CFG) is back in focus after reporting quarterly revenue of US$1.97b and year over year net profit growth of 42.35%, paired with a very high level of institutional ownership. See our latest analysis for Citizens Financial Group. Citizens Financial Group’s recent quarterly update and leadership changes in investor relations come against a backdrop of firm share price momentum, with a 30 day share price return of 9.38% and a 1 year total shareholder return of 67.59%...Narrative Update • Jun 16
CFG: Future Returns Will Depend On Execution Versus Mixed Street Expectations
Analysts have adjusted the fair value estimate for Citizens Financial Group stock slightly lower, trimming the implied price target by about $0.37 as they balance modest tweaks to revenue growth, profit margin, and future P/E assumptions reflected in recent mixed Street research. Analyst Commentary Recent Street research on Citizens Financial Group shows a split view, with several firms adjusting price targets in both directions and one high profile addition to a conviction list.Narrative Update • Jun 01
CFG: Future Upside Will Hinge On Efficiency Gains And Capital Returns
Analysts have nudged their fair value estimate for Citizens Financial Group higher to $73.28, a change of about $0.46, as recent price target revisions and updated views on revenue growth, profit margin, and future P/E assumptions reshape expectations for the stock. Analyst Commentary Recent Street research on Citizens Financial Group shows both optimism and caution around the stock, with several firms adjusting price targets and ratings in different directions.Narrative Update • Apr 23
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.Narrative Update • Apr 07
CFG: 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.Narrative Update • Mar 24
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.Narrative Update • Mar 09
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.Narrative Update • Feb 23
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.Narrative Update • Feb 08
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.Narrative Update • Jan 25
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.Narrative Update • Jan 09
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.Narrative Update • Dec 16
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.Narrative Update • Nov 29
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.Narrative Update • Nov 15
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.Narrative Update • Oct 31
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.Analysis Article • Oct 18
Citizens Financial Group (NYSE:CFG) Will Pay A Larger Dividend Than Last Year At $0.46
Citizens Financial Group, Inc. ( NYSE:CFG ) has announced that it will be increasing its periodic dividend on the 12th...Narrative Update • Oct 17
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.Narrative Update • Oct 03
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.Narrative Update • Sep 09
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.Seeking Alpha • Jan 17
Citizens Financial Group: Much Better Options Out There
Summary Citizens Financial Group's Q4 results show mixed performance, with declines in deposits and loans but slight improvements in net income and EPS. Despite tightening lending standards, key metrics like asset quality and net loan charge-offs have not significantly improved, justifying a hold rating. Return on average assets and equity saw slight improvements, but overall metrics still trend negatively, making Citizens less attractive compared to higher-yielding banks. Sector strength supports a neutral stance, but better investment opportunities exist in banks with stronger growth and yield profiles. Read the full article on Seeking AlphaSeeking Alpha • Dec 30
Citizens Financial: A Pivotal Year On Tap, Shares Fairly Priced, A Mixed Chart
Summary I am downgrading Citizens Financial Group (CFG) to a hold due to fair valuation and mixed technicals despite a 64% gain since April 2023. Key January catalysts include the December payrolls report, bank earnings, and a Fed meeting, with CFG's Q4 earnings report on January 17 being crucial. CFG's Q3 results were mixed, with a revenue miss and slight NIM decline, but Q4 projections show potential NII and non-interest income growth. Risks include higher loan losses, economic softness, and regulatory changes, while CFG's valuation is near fair value with mixed technical indicators. Read the full article on Seeking AlphaSeeking Alpha • Oct 16
Citizens Financial: After An In-Line Q3, Shares Appear Fairly Valued
Summary Citizens Financial Group, Inc. reported Q3 earnings in line with expectations, with shares flat after a 60% gain over the past year. Net interest income and margin declined due to fixed-rate swaps and rising deposit costs, but the private bank showed strong growth. Credit quality is a concern with reduced reserves and increased non-accrual loans, though capital levels remain healthy with a 3.9% dividend yield. I maintain a “hold” rating, expecting modest NII growth in Q4, but see more upside in other names like KEY. Read the full article on Seeking AlphaShareholder Returns
| CFG | US Banks | US Market | |
|---|---|---|---|
| 7D | -4.5% | -2.0% | -0.1% |
| 1Y | 28.2% | 11.8% | 11.9% |
Return vs Industry: CFG exceeded the US Banks industry which returned 11.8% over the past year.
Return vs Market: CFG exceeded the US Market which returned 11.9% over the past year.
Price Volatility
| CFG volatility | |
|---|---|
| CFG Average Weekly Movement | 3.5% |
| Banks Industry Average Movement | 3.0% |
| Market Average Movement | 6.8% |
| 10% most volatile stocks in US Market | 15.1% |
| 10% least volatile stocks in US Market | 2.9% |
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 | 17,398 | 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$28.24b |
| Earnings (TTM) | US$1.98b |
| Revenue (TTM) | US$8.16b |
14.3x
P/E Ratio1.2x
P/B RatioIs CFG overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| CFG income statement (TTM) | |
|---|---|
| Revenue | US$8.16b |
| Cost of Revenue | US$0 |
| Gross Profit | US$8.16b |
| Other Expenses | US$6.18b |
| Earnings | US$1.98b |
Last Reported Earnings
Jun 30, 2026
Next Earnings Date
Oct 16, 2026
| Earnings per share (EPS) | 4.71 |
| Gross Margin | 100.00% |
| Net Profit Margin | 24.31% |
| Debt/Equity Ratio | 62.4% |
How did CFG perform over the long term?
See historical performance and comparisonDividends
2.7%
Current Dividend Yield39%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/09/21 23:30 |
| End of Day Share Price | 2026/09/21 00:00 |
| Earnings | 2026/06/30 |
| 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 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 36 analysts. 10 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 |