CFG Stock Analysis: Citizens Financial | NYSE
Banks - Regional | NYSE, USA | Market Cap: 29.217m USD | 12M Return: 40.3% | US1746101054 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 203M
EPS Trend: 24.1%
Qual. Beats: 5
Rev. Trend: -67.1%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 11.6 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Citizens Financial Group, Inc. (NYSE: CFG) is a U.S. bank holding company headquartered in Providence, Rhode Island, founded in 1828. It provides retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations, and institutions across the United States.
The company operates through two segments: Consumer Banking, which offers deposit products, mortgage and home equity lending, credit cards, business loans, wealth management, and digital banking services; and Commercial Banking, which provides lending, leasing, deposit and treasury management, foreign exchange, risk management, syndicated loans, corporate finance, M&A advisory, and capital markets services. The company serves a broad customer base spanning consumers, high-net-worth individuals, investors, and institutional clients across multifamily, office, industrial, retail, healthcare, and hospitality sectors.
As a regional bank under the GICS classification, Citizens focuses its operations within defined U.S. geographic footprints rather than operating a global retail network, which is a common structural distinction between regional and money-center banks. Citizens went public on the NYSE in September 2014, having previously operated as RBS Citizens Financial Group prior to its April 2014 rebranding.
- Net interest margin compresses amid Fed rate cuts
- Commercial real estate loan losses pressure credit costs
- Middle market lending growth drives commercial banking revenue
| Net Income: 2.13b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.48 > 1.0 |
| NWC/Revenue: 101.2% < 20% (prev -1.11k%; Δ 1.21k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 2.50b > Net Income 2.13b |
| Net Debt (3.59b) to EBITDA (3.15b): 1.14 < 3 |
| Current Ratio: 11.01 > 1.5 & < 3 |
| Outstanding Shares: last quarter (426.7m) vs 12m ago -2.26% < -2% |
| Gross Margin: 70.59% > 18% (prev 59.99%; Δ 10.60% > 0.5%) |
| Asset Turnover: 5.07% > 50% (prev 5.50%; Δ -0.43% > 0%) |
| Interest Coverage Ratio: 0.74 > 6 (EBIT TTM 2.71b / Interest Expense TTM 3.65b) |
| A: 0.05 (Total Current Assets 12.8b - Total Current Liabilities 1.16b) / Total Assets 234b |
| B: 0.05 (Retained Earnings 12.0b / Total Assets 234b) |
| C: 0.01 (EBIT TTM 2.71b / Avg Total Assets 226b) |
| D: 0.13 (Book Value of Equity 26.2b / Total Liabilities 208b) |
| Altman-Z'' = 0.71 = B |
As of September 17, 2026, the stock is trading at USD 70.48 with a total of 2,178,719 shares traded. Over the past week, the price has changed by -0.49%, over one month by -3.44%, over three months by +6.66% and over the past year by +40.26%.
Current recommended Stop Loss: 66.90 (which is 5.1% or 2.5 ATR below the current price).
Citizens Financial has received a consensus analysts rating of 4.59. Therefore, it is recommended to buy CFG.
- StrongBuy: 11
- Buy: 5
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 81.5 | 15.6% |
P/E Trailing = 15.2462
P/E Forward = 10.7643
P/S = 3.5801
P/B = 1.2246
P/EG = 1.6472
Revenue TTM = 11.5b USD
EBIT TTM = 2.71b USD
EBITDA TTM = 3.15b USD
Long Term Debt = 14.7b USD (from longTermDebt, last quarter)
Short Term Debt = 1.16b USD (from shortTermDebt, last quarter)
Debt = 16.3b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 3.59b USD (calculated: Debt 16.3b - CCE 12.8b)
Enterprise Value = 32.8b USD (29.2b + Debt 16.3b - CCE 12.8b)
Interest Coverage Ratio = 0.74 (Ebit TTM 2.71b / Interest Expense TTM 3.65b)
EV/FCF = 13.94x (Enterprise Value 32.8b / FCF TTM 2.35b)
FCF Yield = 7.17% (FCF TTM 2.35b / Enterprise Value 32.8b)
FCF Margin = 20.52% (FCF TTM 2.35b / Revenue TTM 11.5b)
Net Margin = 18.54% (Net Income TTM 2.13b / Revenue TTM 11.5b)
Gross Margin = 70.59% ((Revenue TTM 11.5b - Cost of Revenue TTM 3.37b) / Revenue TTM)
Gross Margin QoQ = 67.26% (prev 67.02%)
Tobins Q-Ratio = 0.14 (Enterprise Value 32.8b / Total Assets 234b)
Interest Expense / Debt = 22.32% (Interest Expense 3.65b / Debt 16.3b)
Taxrate = 21.58% (585.0m / 2.71b)
NOPAT = 2.13b (EBIT 2.71b * (1 - 21.58%))
Current Ratio = 11.01 (Total Current Assets 12.8b / Total Current Liabilities 1.16b)
Debt / Equity = 0.62 (Debt 16.3b / totalStockholderEquity, last quarter 26.2b)
Debt / EBITDA = 1.14 (Net Debt 3.59b / EBITDA 3.15b)
Debt / FCF = 1.53 (Net Debt 3.59b / FCF TTM 2.35b)
Total Stockholder Equity = 26.1b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.94% (Net Income 2.13b / Total Assets 234b)
RoE = 8.14% (Net Income TTM 2.13b / Total Stockholder Equity 26.1b)
RoCE = 6.64% (EBIT 2.71b / Capital Employed (Equity 26.1b + L.T.Debt 14.7b))
RoIC = 0.91% (NOPAT 2.13b / Invested Capital 233b)
WACC = 12.58% (E(29.2b)/V(45.6b) * Re(9.83%) + D(16.3b)/V(45.6b) * Rd(22.32%) * (1-Tc(0.22)))
Discount Rate = 9.83% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -97.42 | Cagr: -3.64%
[DCF] Terminal Value 65.54% ; FCFF base≈1.87b ; Y1≈2.15b ; Y5≈3.16b
[DCF] Fair Price = 55.87 (EV 27.1b - Net Debt 3.59b = Equity 23.5b / Shares 421.2m; r=12.58% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 24.15 | EPS CAGR: 3.40% | SUE: 3.84 | # QB: 5
Revenue Correlation: -67.09 | Revenue CAGR: -2.92% | SUE: 0.71 | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.40 | Chg30d=+0.12% | Revisions=+50% | Analysts=12
EPS current Year (2026-12-31): EPS=5.30 | Chg30d=-0.01% | Revisions=+17% | GrowthEPS=+37.4% | GrowthRev=+11.4%
EPS next Year (2027-12-31): EPS=6.53 | Chg30d=+0.30% | Revisions=+53% | GrowthEPS=+23.2% | GrowthRev=+8.6%
[Analyst] Revisions Ratio: +57% (up=15, down=3)