CFG Stock Analysis: Citizens Financial | NYSE
Banks - Regional | NYSE, USA | Market Cap: 26.774m USD | 12M Return: 26.4% | US1746101054 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 276M
EPS Trend: 24.1%
Qual. Beats: 5
Rev. Trend: -67.1%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 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.-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: 2.13b 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 October 16, 2026, the stock is trading at USD 63.43 with a total of 4,344,236 shares traded. Over the past week, the price has changed by -1.03%, over one month by -9.70%, over three months by -10.23% and over the past year by +26.38%.
Current recommended Stop Loss: 61.60 (which is 2.9% or 1.3 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 | 78.6 | 23.9% |
P/E Trailing = 13.8497
P/E Forward = 9.9305
P/S = 3.2808
P/B = 1.1305
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 = 30.4b USD (26.8b + Debt 16.3b - CCE 12.8b)
Interest Coverage Ratio = 0.74 (Ebit TTM 2.71b / Interest Expense TTM 3.65b)
EV/FCF = 12.90x (Enterprise Value 30.4b / FCF TTM 2.35b)
FCF Yield = 7.75% (FCF TTM 2.35b / Enterprise Value 30.4b)
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 = 0.13 (Enterprise Value 30.4b / 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 = 12.67% (E(26.8b)/V(43.1b) * Re(9.72%) + D(16.3b)/V(43.1b) * Rd(22.32%) * (1-Tc(0.22)))
Discount Rate = 9.72% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -97.42 | Cagr: -3.64%
[DCF] Terminal Value 65.31% ; FCFF base≈1.87b ; Y1≈2.15b ; Y5≈3.16b
[DCF] Fair Price = 55.30 (EV 26.9b - Net Debt 3.59b = Equity 23.3b / Shares 421.2m; r=12.67% [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=1.39 | Chg30d=-1.26% | Revisions=-62% | Analysts=16
EPS current Year (2026-12-31): EPS=5.29 | Chg30d=-0.28% | Revisions=-17% | GrowthEPS=+37.0% | GrowthRev=+11.3%
EPS next Year (2027-12-31): EPS=6.52 | Chg30d=-0.26% | Revisions=+57% | GrowthEPS=+23.2% | GrowthRev=+8.6%
[Analyst] Revisions Ratio: -13% (up=5, down=7)