CFG Stock Analysis: Citizens Financial | NYSE
Banks - Regional | NYSE, USA | Market Cap: 26.510m USD | 12M Return: 29.9% | US1746101054 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 285M
EPS Trend: 68.2%
Qual. Beats: 6
Rev. Trend: -81.7%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 11.9 years of data, until 10/2026
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, ≥40 worth a closer look and ≥60 is strong.
Citizens Financial Group, Inc. (NYSE: CFG) is a U.S.-based bank holding company headquartered in Providence, Rhode Island, that provides retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations, and institutional clients. Founded in 1828 and formerly known as RBS Citizens Financial Group, Inc., the company adopted its current name in April 2014 and completed its IPO on September 24, 2014. As a large-cap regional bank classified within the Financials sector, CFG operates under the standard U.S. bank holding company structure, which is required by regulation and allows the parent entity to own and govern subsidiary banks and financial services businesses.
The company conducts its operations through two reportable segments: Consumer Banking and Commercial Banking. The Consumer Banking segment offers deposit products, mortgage and home equity lending, credit cards, business loans, wealth management services, and education and point-of-sale finance loans, distributing these products through telephone service centers as well as online and mobile digital channels. The Commercial Banking segment delivers lending and leasing, deposit and treasury management, foreign exchange, and interest rate and commodity risk management solutions, alongside syndicated loans, corporate finance, M&A advisory, and debt and equity capital markets services. This dual-segment structure is typical among U.S. regional banks, which generally pair a deposit-funded consumer franchise with a relationship-driven commercial business to diversify revenue streams and manage net interest margin exposure across different customer types.
CFG serves a broad client base that includes consumers and small businesses, high- and ultra-high-net-worth individuals and families, investors, entrepreneurs, and institutional clients, with commercial real estate exposure spanning multifamily, office, industrial, retail, healthcare, and hospitality properties. The companys geographic footprint and product mix position it within the competitive regional banking landscape, where institutions typically compete on local relationship banking, commercial lending expertise, and digital channel capabilities rather than the global investment banking scale of money-center banks.
- Net interest margin compresses as Fed cuts rates
- Commercial real estate loan losses mount in office sector
- Capital markets and M&A advisory fees drive Commercial Banking revenue growth
| Net Income: 2.27b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA -0.76 > 1.0 |
| NWC/Revenue: -1.09k% < 20% (prev -1.12k%; Δ 26.92% < -1%) |
| CFO/TA 0.01 > 3% & CFO 1.26b > Net Income 2.27b |
| Net Debt (-40.1b) to EBITDA (3.31b): -12.09 < 3 |
| Current Ratio: 0.32 > 1.5 & < 3 |
| Outstanding Shares: last quarter (425.7m) vs 12m ago -2.25% < -2% |
| Gross Margin: 71.05% > 18% (prev 61.85%; Δ 9.19% > 0.5%) |
| Asset Turnover: 5.09% > 50% (prev 5.39%; Δ -0.30% > 0%) |
| Interest Coverage Ratio: 0.80 > 6 (EBIT TTM 2.89b / Interest Expense TTM 3.62b) |
| A: -0.54 (Total Current Assets 58.8b - Total Current Liabilities 186b) / Total Assets 234b |
| B: 0.05 (Retained Earnings 12.4b / Total Assets 234b) |
| C: 0.01 (EBIT TTM 2.89b / Avg Total Assets 229b) |
| D: 0.12 (Book Value of Equity 25.2b / Total Liabilities 209b) |
| Altman-Z'' = -3.18 = D |
As of November 15, 2026, the stock is trading at USD 65.26 with a total of 2,251,899 shares traded. Over the past week, the price has changed by +3.19%, over one month by +3.92%, over three months by -11.24% and over the past year by +29.86%.
Current recommended Stop Loss: 62.60 (which is 4.1% or 1.7 ATR below the current price).
Citizens Financial has received a consensus analysts rating of 4.45. Therefore, it is recommended to buy CFG.
- StrongBuy: 12
- Buy: 5
- Hold: 3
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 76.4 | 17.1% |
P/E Trailing = 12.7758
P/E Forward = 9.6805
P/S = 3.1582
P/B = 1.155
P/EG = 1.6472
Revenue TTM = 11.6b USD
EBIT TTM = 2.89b USD
EBITDA TTM = 3.31b USD
Long Term Debt = 15.5b USD (from longTermDebt, last quarter)
Short Term Debt = 819.0m USD (from shortTermDebt, last quarter)
Debt = 17.8b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -40.1b USD (calculated: Debt 17.8b - CCE 57.9b)
Enterprise Value = 26.5b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 0.80 (Ebit TTM 2.89b / Interest Expense TTM 3.62b)
EV/FCF = 24.25x (Enterprise Value 26.5b / FCF TTM 1.09b)
FCF Yield = 4.12% (FCF TTM 1.09b / Enterprise Value 26.5b)
FCF Margin = 9.39% (FCF TTM 1.09b / Revenue TTM 11.6b)
Net Margin = 19.47% (Net Income TTM 2.27b / Revenue TTM 11.6b)
Gross Margin = 71.05% ((Revenue TTM 11.6b - Cost of Revenue TTM 3.37b) / Revenue TTM)
Gross Margin QoQ = 67.23% (prev 67.26%)
Tobins Q-Ratio = 0.11 (Enterprise Value 26.5b / Total Assets 234b)
Interest Expense / Debt = 20.33% (Interest Expense 3.62b / Debt 17.8b)
Taxrate = 21.41% (618.0m / 2.89b)
NOPAT = 2.27b (EBIT 2.89b * (1 - 21.41%))
Current Ratio = 0.32 (Total Current Assets 58.8b / Total Current Liabilities 186b)
Debt / Equity = 0.71 (Debt 17.8b / totalStockholderEquity, last quarter 25.2b)
Debt / EBITDA = -12.09 (Net Debt -40.1b / EBITDA 3.31b)
Debt / FCF = -36.65 (Net Debt -40.1b / FCF TTM 1.09b)
Total Stockholder Equity = 26.0b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.99% (Net Income 2.27b / Total Assets 234b)
RoE = 8.74% (Net Income TTM 2.27b / Total Stockholder Equity 26.0b)
RoCE = 6.96% (EBIT 2.89b / Capital Employed (Equity 26.0b + L.T.Debt 15.5b))
RoIC = 4.66% (NOPAT 2.27b / Invested Capital 48.7b)
WACC = 11.84% (E(26.5b)/V(44.3b) * Re(9.05%) + D(17.8b)/V(44.3b) * Rd(20.33%) * (1-Tc(0.21)))
Discount Rate = 9.05% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -97.90 | Cagr: -3.07%
[DCF] Terminal Value 61.29% ; FCFF base≈1.74b ; Y1≈1.53b ; Y5≈1.24b
[DCF] Fair Price = 125.7 (EV 12.7b - Net Debt -40.1b = Equity 52.7b / Shares 419.2m; r=11.84% [WACC]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: 68.16 | EPS CAGR: 11.62% | SUE: 1.88 | # QB: 6
Revenue Correlation: -81.67 | Revenue CAGR: -3.59% | SUE: 0.69 | # QB: 0
EPS current Quarter (2027-03-31): EPS=1.42 | Chg30d=-1.07% | Revisions=-29% | Analysts=9
EPS current Year (2026-12-31): EPS=5.30 | Chg30d=+0.25% | Revisions=+6% | GrowthEPS=+37.2% | GrowthRev=+11.2%
EPS next Year (2027-12-31): EPS=6.49 | Chg30d=-0.63% | Revisions=-8% | GrowthEPS=+22.5% | GrowthRev=+8.8%
[Analyst] Revisions Ratio: -7% (up=12, down=14)