Financials · Regional Banks · US stock · price as of 16 Oct 2026
Key indicators
Price
$63.36
52-week range
$46.55 – $75.33
Market cap
$27.0B
P/E (trailing)
12.9×
Dividend yield
2.9%
Revenue (last 12 months)
$8.7B
Revenue growth (3y a year)
0.9%
Price / book
1.0×
Return on equity
8.1%
Fair value
Blended fair value$70.59 book-value models
Versus priceFair+11% to fair value
Excess-return model (banks, insurers)
$59.92
Price / book vs return on equity
$86.61
Model uncertainty
Medium
X-Ray Score
45/ 100 · Medium confidence · ahead of 30% of sector peers
Valuation61
Growth18
Profitability33
Financial health74
Dividends32
Five-year price chart navy: price · brown: 200-day average · blue band: fair value range
Executive summary
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%.
StocksXray gives Citizens Financial Group Inc an X-Ray Score of 45 out of 100 (medium confidence), ahead of 30% of the S&P 500 stocks in its sector. Its strongest lens is financial health (74) and its weakest is growth (18).
Our fair value blend is $70.59. At $63.36 the stock trades 10% below that blend, so the label is "Fair" with medium model uncertainty. Fair value is a range, not a price target.
XStocksXray
Citizens Financial Group Inc (CFG)
Valuation history multiples at each fiscal year-end price; the last column uses today's price and the last twelve months
FY2021
FY2022
FY2023
FY2024
FY2025
Now
Price
$38.80
$33.61
$29.91
$41.28
$57.22
$63.36
Market cap
$16.6B
$16.1B
$14.3B
$18.7B
$25.0B
$27.0B
P/E
7.5×
8.2×
9.6×
13.6×
14.8×
12.9×
Price / book
0.7×
0.7×
0.6×
0.8×
0.9×
1.0×
Dividend yield
4.02%
4.82%
5.62%
4.07%
3.01%
2.90%
Fundamentals checklist ● 2 Good · ● 1 Average · ● 4 Bad · each check graded against the sector
Risk models
Piotroski F-Score9 of 9Good
Growth
EPS growth (3y)−2.0%Bad
Revenue growth (3y)0.9%Bad
Growth consistency50%Bad
Valuation
Fair value vs price1.1×Good
Profitability
Return on invested capital7.1%Bad
Operating margin31.1%Average
XStocksXray
Citizens Financial Group Inc (CFG)
Financials US$ millions, from SEC filings; last column is the last twelve months
Income statement
FY21
FY22
FY23
FY24
FY25
LTM
Revenue
6,647
8,021
8,224
7,809
8,247
8,726
Net income
2,319
2,073
1,608
1,509
1,831
2,126
Diluted EPS ($)
5.16
4.10
3.13
3.03
3.86
4.92
Net margin
34.9%
25.8%
19.6%
19.3%
22.2%
24.4%
Balance sheet
FY21
FY22
FY23
FY24
FY25
LTM
Total assets
188,409
226,733
221,964
217,521
226,351
233,836
Cash
9,158
10,547
11,628
10,601
12,727
12,760
Total debt
7,006
15,890
13,972
12,401
11,282
16,349
Equity
23,420
23,690
24,342
24,254
26,317
26,183
Dividend per share ($)
1.56
1.62
1.68
1.68
1.72
1.80
Revenue and net income US$ billions: navy revenue, teal net income
Every number comes from SEC filings, end-of-day prices and the StocksXray models described on the methodology page. The X-Ray Score ranks each metric against the company's own sector. Fair value blends three models and carries a typical error of about 40%, so treat it as a range. Analyst ratings, price targets and earnings-call summaries are not part of this report. Educational research, not financial advice; read the disclaimer.