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Buy Day today: Neutral (53) Mixed market breadth · no major macro event

Citizens Financial Group, Inc. (CFG)

Financial Services Banks - Regional
71.70 $
-0.1% vs. previous close
Closing price · As of: 31. Jul 2026
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Trading Day

Previous Close
71.70$
Open
71.90$
Day High
72.30$
Day Low
71.20$
Volume
2,316,882shares

Key levels of the most recently completed trading day — not a live quote.

52-Week Range

52-Week Low 52-Week High
46.60 $ 74.40 $
08/07/2025 07/16/2026

Current price 71.70 $ — 90% of the range above the low.

Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.

Basics

Market Cap
29.9$B
Shares Outstanding
423Mio.
Float
99.0%
Beta
1.0

Performance

Perf. 1M
12.90%
Perf. 3M
22.80%
Perf. 6M
19.30%
YTD Performance (%)
19.80%
52-Week-High Distance
-0.8%
Perf. 1Y
54.66%
Perf. 3Y
153.87%
Perf. 5Y
108.67%
Perf. 10Y
369.37%
Perf. Since Inception
368.06%

Technical Indicators

MA 38 Days
69.90$
MA 50 Days
68.20$
MA 200 Days
61.40$
RSI (14)
54.3
Volatility 30 Days
27.6%
Volatility 250 Days
26.7%

Calculated from the price history · as of 08/03/2026

Valuation

P/E
17.0
Forward P/E
13.8
PEG
1.6
P/B
1.3
P/S
2.6
EV/EBITDA
0.0
Price/FCF
11.9

Profitability

Gross Margin
100.0%
EBIT Margin
32.1%
Net Margin
26.1%
Return on Equity
7.7%
Return on Assets
0.9%

Balance Sheet & Safety

Equity Ratio
11.5%
Debt/Equity
0.7
Altman Z″
3.98
very solid
Piotroski
8 out of 9

Growth

Sales Growth Last Quarter
13.80%
EPS Growth Last Quarter
46.80%
Sales Growth (Year)
-9.71%
Forward Sales Growth
8.85%
Forward EPS Growth
23.30%

Dividend

Dividend Yield
2.57%
Dividend Per Share (TTM)
1.84$
Payout Ratio
39.9%
Years Without a Cut
11Years
Increase Streak
1Years

Quality & Screener

Stage
2
RS Rating
75
EPS Rating
76
very solid
Piotroski
8 out of 9
Fundamental Rating
B (61 out of 100)
Altman Z″
3.98

AI Rating

Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built

Highlighted are things our editorial team noticed: green = stands out as strong, red = deserves a closer look. No single metric is a verdict on its own — always read it in context.

Analysts & Price Target

Current Price 71.70 $
Price Target (average) 80.59 $

The price target sits 12.4% above the current price.

Consensus
Strong Sell
Analyst Ratings
17
Distribution of Recommendations
Strong Buy 11
Buy 5
Hold 1
Sell 0
Strong Sell 0

Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.

Estimates by Fiscal Year

Estimates by Fiscal Year
Fiscal Year EPS Estimate ($) EPS Range ($) Revenue Estimate ($M) Expected Growth Analysts
12/31/2026 5.29 5.25 – 5.38 9,183 37.2% 14
12/31/2027 6.51 6.40 – 6.82 9,978 23.0% 13

Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.

Next Reporting Date

16. Oct 2026 · before the open · Q3 2026
Expected Earnings per Share
1.39 $

Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.

Revenue & Profit

Cash Flow

Balance Sheet

Margins

Per Share

Click the chart or tab into it, then use ← and → to step through the periods.

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The figures could not be loaded right now.

Sales Per Quarter ($M)
2024: Q4 · 3,026.0 $M Q4 2025: Q1 · 2,896.0 $M Q1 2025: Q2 · 3,007.0 $M Q2 2025: Q3 · 3,088.0 $M Q3 2025: Q4 · 2,157.0 $M Q4 2026: Q1 · 3,026.0 $M Q1

Source: fundamental data

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Quarterly Figures

Quarterly Figures
Quarter EPS (Earnings Per Share) EPS YoY (%) Sales ($M) Sales YoY (%) Net Margin (%) OCF ($M) FCF ($M)
2024: Q4 0.90 123.30 3,026 -4.70 13.30 483 435
2025: Q1 0.84 17.10 2,896 -7.40 12.90 -213 -227
2025: Q2 1.00 16.30 3,007 -3.70 14.50 886 853
2025: Q3 1.13 33.60 3,088 0.50 16.00 1,696 1,661
2025: Q4 1.21 34.50 2,157 -28.70 24.50 -158 -250
2026: Q1 1.20 42.60 3,026 4.50 17.10 237 237
What Do These Terms Mean?
EPS (Earnings Per Share):
Quarterly profit divided by the total share count — how much of the profit works out to a single share.
YoY (Year over Year):
Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
Sales:
All revenue for the quarter, before any costs are deducted — the top line of the income statement.
Net Margin:
What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
OCF (Operating Cash Flow):
The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
FCF (Free Cash Flow):
Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.

Annual Figures

Annual Figures
Fiscal Year Revenue ($M) EBIT ($M) Net Income ($M) EPS ($) Operating Cash Flow ($M) Equity ($M) Total Assets ($M)
2016 5,763 1,534 1,045 1.99 1,490 19,747 149,520
2017 6,454 1,912 1,652 3.28 1,883 20,270 152,336
2018 7,354 2,183 1,721 3.58 1,767 20,817 160,518
2019 8,066 2,251 1,791 3.97 1,697 22,201 165,733
2020 7,676 1,298 1,057 2.47 111 22,673 183,349
2021 6,986 2,977 2,319 5.43 2,275 23,420 188,409
2022 9,069 2,655 2,073 4.34 4,119 23,690 226,733
2023 12,187 2,030 1,608 3.37 2,961 24,342 221,964
2024 12,347 1,888 1,509 3.33 2,001 24,254 217,521
2025 11,148 2,328 1,831 4.20 2,211 26,317 226,351

Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.

About the Company

Citizens Financial Group, Inc. ist eine Bankholding, die Privat- und Geschäftsbankprodukte und -dienste für Privatpersonen, kleine Unternehmen, Mittelstand, Großkonzerne und Institutionen in den USA anbietet.

Employees17,727
HeadquartersProvidence, RI
AddressOne Citizens Plaza, 02903 Providence, United States
Phone203 900 6715
Websitecitizensbank.com
IPO Date24. Sep 2014
ISINUS1746101054

Management

Management
Name Title Birth Year
Bruce Winfield Van Saun CEO & Chairman of the Board 1957
Brendan Coughlin President and Head of Consumer, Private Banking & Wealth 1980
Aunoy Banerjee Executive VP & CFO 1978
Theodore C. Swimmer Executive VP & Head of Commercial Banking 1969
Christopher J. Schnirel Executive VP, Chief Accounting Officer & Controller 1972
Michael Ruttledge Executive VP, Chief Information Officer and Head of Enterprise Security & Technology 1964
Michelle Moosally Executive Vice President, General Counsel and Chief Legal Officer 1976
Susan A. LaMonica Executive VP & Chief HR Officer 1962
Thomas M. Metzger Head of Citizens Private Wealth Manager 1952
Sal J. Di Liberti Senior Vice President of Benefits

Executives per the latest required filings; titles kept in their original language. Source: fundamental data.

Insider Transactions

Insider Transactions
Date Person Role Type Shares Price Value
24. Jul 2026 Van Saun Bruce Chairman and CEO Other 17,500 0.00
24. Jul 2026 Van Saun Bruce Chairman and CEO Other 20,850 0.00
24. Jul 2026 Van Saun Bruce Chairman and CEO Sell 129,369 72.07 9,323,624

Reportable transactions by officers and major shareholders from SEC Form 4 filings. "Other" includes things like stock grants and option exercises without a buy/sell character.

View all insider transactions →

Chart

Interactive price chart (TradingView).

Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.

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