Citizens Financial Group, Inc.
CFG Financial Services Banks - Regional NYSE
$62.28
$-0.36 (-0.57%)
Open: $62.83 | High: $63.34 | Low: $62.25 | Prev Close: $62.64
Market Cap: $26.75B
Volume: 1.7M | Avg: 4.7M
Last updated: January 26, 2026 at 06:01 PMInvestment Rating
Neutral
Overall Score: 60/100
Rating Breakdown:
Stock Score Analysis
Stock Score: 505
Comprehensive Quality Assessment
Component Breakdown:
Valuation Metrics
| P/E Ratio | 16.13 |
| P/B Ratio | 1.02 |
| P/S Ratio | 2.40 |
| EPS | $3.86 |
| Beta | 1.09 |
| Shares Outstanding | 429.49M |
| 52-Week High | $65.88 |
| 52-Week Low | $32.60 |
| SMA 50 | $57.33 |
| SMA 200 | $48.97 |
| Dividend Yield | 2.76% |
| Annual Dividend | $1.72 |
| Next Earnings | April 15, 2026 04:00 AM ET |
Financial Ratios
| Gross Margin | 69.8% |
| Operating Margin | 20.9% |
| Net Margin | 16.4% |
| ROE | 7.2% |
| ROA | 0.8% |
| Debt/Equity | 0.43 |
| Current Ratio | 1.04 |
| Quick Ratio | 1.04 |
Balance Sheet
| Total Assets | $226.35B |
| Total Liabilities | $200.03B |
| Total Equity | $26.32B |
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|
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| Cash | $12.73B |
| Total Debt | $11.28B |
| Net Debt | $-1,445,000,000 |
Income Statement
| Revenue | $11.15B |
| Gross Profit | $7.78B |
| Operating Income | $2.33B |
| Net Income | $1.83B |
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|
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| EBITDA | $2.69B |
| Revenue/Share | $25.84 |
Cash Flow
| Operating CF | $2.00B |
| CapEx | $122.00M |
| Free Cash Flow | $1.88B |
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| Book Value/Share | $61.01 |
| Tangible Book/Share | $41.76 |
| Equity/Share | $61.01 |
Technical Indicators
| RSI (14) | 50.00 Neutral |
| MACD |
0.00
Signal: 0.00
|
| Volatility | 0.00% |
| Trading Signal | Neutral |
Performance & Returns
Insufficient historical data
Insufficient historical data (need 200+ days, have 0)Sector Comparison (Financial Services)
| Metric | CFG | Sector Avg | Percentile |
|---|---|---|---|
| P/E Ratio | 16.13 | 53.7 | 27% |
| P/B Ratio | 1.02 | 2.12 | 12% |
| ROE (%) | 7.16% | 12.71% | 10% |
| Net Margin (%) | 16.42% | 18.46% | 40% |
| Stock Score | 505 | 392.0 | 77% |
Technical Analysis
| Ticker | Close | SMA 5 | SMA 8 | SMA 13 | SMA 50 | SMA 200 | RSI (14) | MACD | Volatility (%) | Volume | Signal | SMA Decision |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| CFG | $62.28 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 50.00 | 0.00 | 0.00% | 0 | Neutral | Mixed |
Candlestick Patterns
There wasn't any recognizable pattern for the CFG stock
News Sentiment
| 📊 Ticker | 📰 Headline | 💭 Sentiment | 📡 Source | 🔗 URL |
|---|---|---|---|---|
| CFG | Citizens Financial Group Announces Redemption of Subordinated Notes | Neutral | businesswire.com | Read More |
| CFG | Citizens Financial Group, Inc. $CFG Shares Sold by Algebris UK Ltd. | Neutral | defenseworld.net | Read More |
| CFG | Citizens Financial Analysts Boost Their Forecasts After Better-Than-Expected Q4 Earnings | Neutral | benzinga.com | Read More |
| CFG | Patience Continuing To Pay Off For Citizens Financial Group | Neutral | seekingalpha.com | Read More |
| CFG | Citizens Financial Group (NYSE:CFG) Reaches New 12-Month High Following Better-Than-Expected Earnings | Neutral | defenseworld.net | Read More |
Recent Insider Trading
| Date | Insider | Position | Transaction | Shares | Price | Value |
|---|---|---|---|---|---|---|
| 2025-12-11 | VAN SAUN BRUCE | director, officer: Chairman and CEO | SELL | 4580 | $58.35 | $267243 |
| 2025-12-09 | VAN SAUN BRUCE | director, officer: Chairman and CEO | SELL | 3420 | $55.94 | $191315 |
| 2025-12-03 | LaMonica Susan | officer: Chief Human Resources Officer | SELL | 20128 | $55.68 | $1120727 |
Company Information
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.
| CEO | Bruce Winfield Van Saun |
| Employees | 17315 |
| Country | US |
| IPO Date | 2014-09-24 |
| Exchange | NYSE |
| Website | https://www.citizensbank.com |
| Sector | Financial Services |
| Industry | Banks - Regional |
Similar Stocks (Financial Services - Banks - Regional)
Rating Metrics Explained
DCF Score (Discounted Cash Flow)
Measures the intrinsic value of the stock based on projected future cash flows. A higher score indicates the stock is undervalued relative to its DCF valuation.
ROE Score (Return on Equity)
Evaluates how efficiently a company generates profit from shareholders' equity. Higher ROE indicates better profitability and management effectiveness.
ROA Score (Return on Assets)
Measures how efficiently a company uses its assets to generate profit. A higher ROA means better asset utilization and operational efficiency.
D/E Score (Debt-to-Equity)
Assesses the company's financial leverage and risk. Lower debt-to-equity ratios indicate less financial risk and better balance sheet health.
P/E Score (Price-to-Earnings)
Compares stock price to earnings per share. A lower P/E ratio may indicate the stock is undervalued, while a higher ratio could suggest overvaluation or growth expectations.
P/B Score (Price-to-Book)
Compares market price to book value per share. Lower P/B ratios may indicate undervaluation relative to the company's net asset value.
Rating Recommendations:
Each metric is scored on a scale of 1-5, where the scores are determined by comparing the company's performance against industry benchmarks and historical data:
-
Strong Buy (5/5): Excellent score - strong positive indicator
- The metric significantly outperforms industry averages (top 20% of companies)
- Indicates exceptional financial health or attractive valuation in that category
-
Buy (4/5): Good score - positive indicator
- Above-average performance (top 40% of companies)
- Shows strong fundamentals with room for improvement
-
Neutral (3/5): Average score - neutral indicator
- Performance in line with industry median (middle 20%)
- Neither significantly positive nor negative signal
-
Sell (2/5): Below average - negative indicator
- Below-average performance (bottom 40% of companies)
- Suggests weakness in this particular metric
-
Strong Sell (1/5): Poor score - strong negative indicator
- Significantly underperforms industry (bottom 20%)
- Indicates potential risk or overvaluation in that category