Overview Dividends

(CFG) Citizens Financial - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US1746101054

Deposits, Loans, Mortgages, Cards, Treasury

Regional Banks
Market Cap in USD: 25,079m

IPO / Inception: 2014-09-24
Return 12m vs S&P 500: 23.2%

EPS (Earnings per Share)

EPS CAGR: -4.75%
EPS Trend: -70.6%

Last SUE: 1.04
Qual. Beats: 2

Revenue

Rev. CAGR: 15.53%
Rev. Trend: 75.9%

Last SUE: 0.67
Qual. Beats: 0

Dividends

Dividend Yield	2.91%
Yield on Cost 5y	6.12%
Yield CAGR 5y	1.87%
Payout Consistency	99.1%
Payout Ratio	47.9%

Risk via 5d forecast
Volatility	32.2%
Value at Risk 5%th	48.9%
Relative Tail Risk	-7.78%

Reward TTM
Sharpe Ratio	1.18
Alpha	21.16
CAGR/Max DD	0.44

Character TTM
Hurst Exponent	0.607
Beta	1.226
Beta Downside	1.600

Drawdowns 3y
Max DD	47.11%
Mean DD	16.21%
Median DD	13.75%

Description: CFG Citizens Financial December 19, 2025

Citizens Financial Group, Inc. (NYSE: CFG) is a U.S. bank holding company that serves individuals, small-business owners, middle-market firms, large corporations, and institutional clients through two operating segments: Consumer Banking and Commercial Banking.

The Consumer Banking segment delivers deposit accounts, mortgage and home-equity loans, credit cards, small-business financing, wealth-management and digital-deposit services, primarily via call centers, online and mobile channels. The Commercial Banking segment offers loan and lease financing, treasury-management, foreign-exchange, interest-rate and commodity-risk solutions, as well as syndicated loans, corporate-finance advisory, M&A, and capital-markets execution for multi-family, office, industrial, retail, healthcare, and hospitality customers.

Key recent metrics (FY 2023): net interest margin (NIM) held at ~3.2% despite a flattening yield curve; loan portfolio grew 5% YoY, led by commercial real-estate and small-business credit; deposits rose 6% YoY, reflecting continued consumer preference for FDIC-insured accounts. The bank’s CET1 capital ratio sits around 13%, comfortably above the 8% regulatory minimum, but below the ~14% average of the strongest regional peers.

Sector-level drivers that will likely influence CFG’s performance include the Federal Reserve’s policy path (higher rates boost NIM but can pressure loan demand), regional-bank credit-quality trends amid a tightening commercial-real-estate market, and the competitive shift toward digital-only banking platforms that pressure fee-income margins.

For a deeper, data-rich analysis of CFG’s valuation dynamics, you may find the tools on ValueRay useful.

Piotroski VR‑10 (Strict, 0-10) 5.0

Net Income (1.70b TTM) > 0 and > 6% of Revenue (6% = 721.0m TTM)

FCFTA 0.01 (>2.0%) and ΔFCFTA 0.28pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -1120 % (prev -1064 %; Δ -56.22pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.01 (>3.0%) and CFO 2.85b > Net Income 1.70b (YES >=105%, WARN >=100%)

Net Debt (-1.69b) to EBITDA (2.65b) ratio: -0.64 <= 3.0 (WARN <= 3.5)

Current Ratio 0.26 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (435.5m) change vs 12m ago -3.21% (target <= -2.0% for YES)

Gross Margin 61.85% (prev 56.90%; Δ 4.95pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 5.43% (prev 5.69%; Δ -0.26pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.55 (EBITDA TTM 2.65b / Interest Expense TTM 3.95b) >= 6 (WARN >= 3)

Altman Z'' -3.69

(A) -0.60 = (Total Current Assets 47.65b - Total Current Liabilities 182.22b) / Total Assets 222.75b

(B) 0.05 = Retained Earnings (Balance) 11.06b / Total Assets 222.75b

(D) 0.04 = Book Value of Equity 8.80b / Total Liabilities 196.92b

Total Rating: -3.69 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 52.47

1. Piotroski 5.0pt

2. FCF Yield -22.85%

3. FCF Margin 22.65%

4. Debt/Equity 0.41

5. Debt/Ebitda -0.64

6. ROIC - WACC (= -4.67)%

7. RoE 6.80%

8. Rev. Trend 75.93%

9. EPS Trend -70.55%

What is the price of CFG shares?

As of December 20, 2025, the stock is trading at USD 59.19 with a total of 6,591,138 shares traded.
Over the past week, the price has changed by +1.37%, over one month by +15.70%, over three months by +11.53% and over the past year by +44.78%.

Is CFG a buy, sell or hold?

Citizens Financial has received a consensus analysts rating of 4.10. Therefore, it is recommended to buy CFG.

Strong Buy: 10
Buy: 3
Hold: 8
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the CFG price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	62.2	5.1%
Analysts Target Price	62.2	5.1%
ValueRay Target Price	67.8	14.5%

CFG Fundamental Data Overview December 18, 2025

Market Cap USD = 25.08b (25.08b USD * 1.0 USD.USD)
P/E Trailing = 16.2857
P/E Forward = 11.6009
P/S = 3.3694
P/B = 1.0582
P/EG = 0.2626
Beta = 1.106
Revenue TTM = 12.02b USD
EBIT TTM = 2.16b USD
EBITDA TTM = 2.65b USD
Long Term Debt = 8.45b USD (from longTermDebt, last quarter)
Short Term Debt = 2.20b USD (from shortTermDebt, last quarter)
Debt = 10.65b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -1.69b USD (from netDebt column, last quarter)
Enterprise Value = -11.91b USD (25.08b + Debt 10.65b - CCE 47.65b)
Interest Coverage Ratio = 0.55 (Ebit TTM 2.16b / Interest Expense TTM 3.95b)
FCF Yield = -22.85% (FCF TTM 2.72b / Enterprise Value -11.91b)
FCF Margin = 22.65% (FCF TTM 2.72b / Revenue TTM 12.02b)
Net Margin = 14.18% (Net Income TTM 1.70b / Revenue TTM 12.02b)
Gross Margin = 61.85% ((Revenue TTM 12.02b - Cost of Revenue TTM 4.58b) / Revenue TTM)
Gross Margin QoQ = 63.60% (prev 62.29%)
Tobins Q-Ratio = -0.05 (set to none) (Enterprise Value -11.91b / Total Assets 222.75b)
Interest Expense / Debt = 9.10% (Interest Expense 970.0m / Debt 10.65b)
Taxrate = 21.46% (135.0m / 629.0m)
NOPAT = 1.70b (EBIT 2.16b * (1 - 21.46%))
Current Ratio = 0.26 (Total Current Assets 47.65b / Total Current Liabilities 182.22b)
Debt / Equity = 0.41 (Debt 10.65b / totalStockholderEquity, last quarter 25.83b)
Debt / EBITDA = -0.64 (Net Debt -1.69b / EBITDA 2.65b)
Debt / FCF = -0.62 (Net Debt -1.69b / FCF TTM 2.72b)
Total Stockholder Equity = 25.05b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.76% (Net Income 1.70b / Total Assets 222.75b)
RoE = 6.80% (Net Income TTM 1.70b / Total Stockholder Equity 25.05b)
RoCE = 6.45% (EBIT 2.16b / Capital Employed (Equity 25.05b + L.T.Debt 8.45b))
RoIC = 4.85% (NOPAT 1.70b / Invested Capital 34.97b)
WACC = 9.52% (E(25.08b)/V(35.73b) * Re(10.53%) + D(10.65b)/V(35.73b) * Rd(9.10%) * (1-Tc(0.21)))
Discount Rate = 10.53% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -3.55%
[DCF Debug] Terminal Value 63.03% ; FCFE base≈2.46b ; Y1≈1.81b ; Y5≈1.03b
Fair Price DCF = 31.63 (DCF Value 13.59b / Shares Outstanding 429.5m; 5y FCF grow -31.39% → 3.0% )
EPS Correlation: -70.55 | EPS CAGR: -4.75% | SUE: 1.04 | # QB: 2
Revenue Correlation: 75.93 | Revenue CAGR: 15.53% | SUE: 0.67 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.08 | Chg30d=+0.009 | Revisions Net=+9 | Analysts=12
EPS next Year (2026-12-31): EPS=5.02 | Chg30d=+0.007 | Revisions Net=+6 | Growth EPS=+30.9% | Growth Revenue=+8.9%

Additional Sources for CFG Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
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Fund Manager Positions: Dataroma | Stockcircle