Citizens Financial Group Inc (CFG)
Financials · Regional Banks · US stock · S&P 500 component
$63.36
▼ -0.07 (0.11%)
Fair valueFair
$71 +11.4% to fair value
$35fair band $49–$92$106
Day's range
$62.70 – $65.02
52-week range
$46.55 – $75.33
About Citizens Financial Group Inc
Citizens Financial Group is a regional bank holding company that provides consumer and commercial banking services, mainly in the Northeast, Mid-Atlantic and Midwest of the United States. It takes deposits and makes mortgages, auto and business loans, and it also offers wealth management and capital markets advice. Its earnings come mostly from the gap between interest on loans and interest paid on deposits, plus fee income.
Over the latest twelve months the company reported revenue of $1.8 billion, with growth of 8.0% a year across three years. It reports an operating margin of 154.8%, with return on invested capital of 7%. A dividend is paid, with a yield of 2.9%. Overall, it receives an X-Ray Score of 51 out of 100.
Written with AI from public information and the filing figures on this page, then checked automatically for unsupported numbers. It can contain mistakes: read the company's own filings below before relying on it.
Price chart
52-wk range $46.55 – $75.33Volume 9,450,000Daily, split-adjusted
Vitals
Market cap$27.0B
52-week range$46.55 – $75.33
Volume (last day)9,450,000
P/E (TTM)12.9
EBIT / EV yield8.9%
Free-cash-flow yield–
Dividend yield2.9%
Revenue (TTM)$8.7B
Net income (TTM)$2.1B
Operating margin31.1%
Return on capital7.1%
Debt incl. leases$16.3B
Cash & securities$12.8B
Debt = borrowings plus lease liabilities. Cash & securities = cash, equivalents and short-term marketable securities (long-term securities are not counted, so net cash can be understated for companies like Apple). Net debt = debt minus cash & securities. Source: latest SEC 10-Q/10-K. EBIT / EV yield = operating profit divided by market cap plus net debt.
Fair value estimate
$71
Fair
+11.4% to fair value
Equal blend of three models: peer multiples, a fundamentals-adjusted multiple (growth, ROIC and margin) and a 10-year DCF scaled to the market's average. Earnings-power value (no growth) is a floor and not part of the blend. Model uncertainty is Medium, so the safety margin is 30%.
Price $63
Undervalued < $49Fair $49 – $92Overvalued > $92
Excess-return (bank)
$60
A model estimate, not a price target or recommendation. Inputs: risk-free 5.09%, equity risk premium 4.23% (Damodaran). How it works.
What this means
Average business, fairly priced
The price sits inside our fair-value band. A high score does not guarantee a good outcome; it shifts the odds a little. Use the checklist as a prompt for your own research.
Before you invest · decision checklist
Ticked boxes are filled in from our data; the rest are yours to answer.
The five-lens scan
Every score explained in one sentence, ranked against Financials peers. Open a lens to see the numbers behind it.
Valuation
Fair
61/100
Priced about in line with its sector.
See the numbers →
EBIT / EV yield8.9%
Fair value vs price1.1×
Growth
Weak
18/100
Growing slower than most of its sector.
See the numbers →
Revenue growth (3y)0.9%
EPS growth (3y)-2.0%
Growth consistency50%
Profitability
Weak
33/100
Earns lower returns on its capital than most peers.
See the numbers →
Return on invested capital7.1%
Operating margin31.1%
Financial health
Strong
74/100
Balance sheet looks strong: debt is well covered.
See the numbers →
Piotroski F-Score9 / 9
Net debt / EBITDA1.1×
Interest coverNo interest cost
Dividends
Weak
32/100
Dividend is modest or less certain than peers.
See the numbers →
Dividend yield2.9%
Dividend growth-1.0%
Quarterly results: last 6 quarters
-1.2%
Mar '25
+3.8%
Jun '25
+11.4%
Sep '25
+8.6%
Dec '25
+12.0%
Mar '26
+12.1%
Jun '26
Revenue against the same quarter a year earlier. Latest quarter revenue $2.3B, diluted EPS $1.30.
Compare with peers
MTB M&T Bank Corp62 RF Regions Financial Corp57 KEY Keycorp53 HBAN Huntington Bancshares...46Other Regional Banks companies by X-Ray Score.
Fundamentals checklist
● 3 Good · ● 4 Average · ● 4 BadCash quality
Earnings backed by cashAverage
Risk models
Piotroski F-ScoreGood
Growth
EPS growth (3y)Bad
Revenue growth (3y)Bad
Growth consistencyBad
Balance sheet
Net debt / EBITDAAverage
Interest coverGood
Valuation
Fair value vs priceGood
EBIT / EV yieldAverage
Profitability
Return on invested capitalBad
Operating marginAverage
Each check is graded against the company's sector, not a fixed number. Checklist score 42/100.
Financials
| FY21 | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Revenue | $6.6B | $8.0B | $8.2B | $7.8B | $8.2B |
| Operating income | $3.3B | $3.7B | $6.0B | $1.9B | $2.3B |
| Net income | $2.3B | $2.1B | $1.6B | $1.5B | $1.8B |
| Operating cash flow | $2.3B | $4.1B | $3.0B | $2.0B | $2.2B |
| Operating margin | 49.9% | 46.2% | 72.9% | 24.2% | 28.2% |
| Free cash flow | – | – | – | – | – |
| Diluted EPS | $5.16 | $4.10 | $3.13 | $3.03 | $3.86 |
Fiscal years, from SEC filings.
Technical summary
Daily
Strongly bearish
0 bullish · 4 neutral · 12 bearish
Weekly
Neutral
6 bullish · 1 neutral · 5 bearish
Monthly
Strongly bullish
6 bullish · 1 neutral · 1 bearish
Moving averages (daily)
| SMA 10 | 63.57 | Bearish |
| EMA 10 | 63.63 | Bearish |
| SMA 20 | 64.19 | Bearish |
| EMA 20 | 64.57 | Bearish |
| SMA 50 | 68.07 | Bearish |
| EMA 50 | 66.62 | Bearish |
| SMA 100 | 68.34 | Bearish |
| EMA 100 | 66.74 | Bearish |
| SMA 200 | 64.84 | Bearish |
| EMA 200 | 63.86 | Bearish |
Oscillators (daily)
| RSI (14) | 38.23 | Neutral |
| MACD (12, 26) | -1.35 | Bearish |
| Momentum (12) | -0.63 | Bearish |
| Stochastic %K (14) | 47.73 | Neutral |
| Williams %R (14) | -52.27 | Neutral |
| CCI (20) | -42.34 | Neutral |
Pivot points (classic, last session)
S3 60.04 | S2 61.37 | S1 62.36 | Pivot 63.69 | R1 64.69 | R2 66.01 | R3 67.01 |
Signals describe what the chart is doing, not what to do. Moving averages: price above the average is bullish. Oscillators use the usual thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20; MACD and momentum above zero are bullish). Weekly and monthly views use closing prices only.
Dividends
Paid, last 12 months
1.84 USD
Yield on today's price
2.90%
Frequency
Quarterly
Next ex-dividend date
Not announced
| Ex-dividend date | Amount per share |
|---|---|
| 30 Jul 2026 | 0.4600 |
| 30 Apr 2026 | 0.4600 |
| 4 Feb 2026 | 0.4600 |
| 29 Oct 2025 | 0.4600 |
| 31 Jul 2025 | 0.4200 |
| 30 Apr 2025 | 0.4200 |
| 31 Jan 2025 | 0.4200 |
| 30 Oct 2024 | 0.4200 |
| 31 Jul 2024 | 0.4200 |
| 30 Apr 2024 | 0.4200 |
| 30 Jan 2024 | 0.4200 |
| 31 Oct 2023 | 0.4200 |
Ex-dividend dates and amounts from EODHD. Shown as declared, before tax.
CFG SEC filings
16 Oct 2026
8-KSEC EDGAR
Results of operations; Regulation FD disclosure
8 Oct 2026
8-KSEC EDGAR
Current report
3 Aug 2026
10-QSEC EDGAR
Quarterly report
31 Jul 2026
8-KSEC EDGAR
Other events
21 Jul 2026
8-KSEC EDGAR
Other events
16 Jul 2026
8-KSEC EDGAR
Results of operations; Regulation FD disclosure
4 May 2026
10-QSEC EDGAR
Quarterly report
24 Apr 2026
8-KSEC EDGAR
Shareholder vote results
Where the numbers come from
Statements SEC EDGAR filings (10-K, 10-Q), quarters derived from year-to-date figures.
Prices end-of-day closes, split-adjusted.
Industry inputs beta, multiples and equity risk premium from Damodaran Online (NYU Stern).
StocksXray is for education only and is not financial advice. Scores and fair values are model estimates from public filings and carry uncertainty.