CFG Stock Analysis: Citizens Financial | NYSE
Banks - Regional | NYSE, USA | Market Cap: 31.462m USD | 12M Return: 53.1% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 358M
EPS Trend: 24.1%
Qual. Beats: 5
Rev. Trend: -23.9%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 10.5 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: 1.98b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.59 > 1.0 |
| NWC/Revenue: -1.52k% < 20% (prev -1.10k%; Δ -416.8% < -1%) |
| CFO/TA 0.01 > 3% & CFO 2.66b > Net Income 1.98b |
| Net Debt (-16.0m) to EBITDA (2.98b): -0.01 < 3 |
| Current Ratio: 0.07 > 1.5 & < 3 |
| Outstanding Shares: last quarter (429.9m) vs 12m ago -2.78% < -2% |
| Gross Margin: 70.10% > 18% (prev 58.62%; Δ 11.48% > 0.5%) |
| Asset Turnover: 5.03% > 50% (prev 5.50%; Δ -0.47% > 0%) |
| Interest Coverage Ratio: 0.68 > 6 (EBIT TTM 2.51b / Interest Expense TTM 3.71b) |
| A: -0.75 (Total Current Assets 12.3b - Total Current Liabilities 183b) / Total Assets 228b |
| B: 0.05 (Retained Earnings 11.6b / Total Assets 228b) |
| C: 0.01 (EBIT TTM 2.51b / Avg Total Assets 224b) |
| D: 0.13 (Book Value of Equity 26.2b / Total Liabilities 202b) |
| Altman-Z'' = -4.55 = D |
As of July 18, 2026, the stock is trading at USD 72.39 with a total of 5,191,627 shares traded. Over the past week, the price has changed by +2.91%, over one month by +8.40%, over three months by +13.13% and over the past year by +53.08%.
Current recommended Stop Loss: 70.10 (which is 3.2% or 1.3 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 | 77 | 6.4% |
P/E Trailing = 16.2092
P/E Forward = 13.7552
P/S = 3.9902
P/B = 1.25
P/EG = 1.6472
Revenue TTM = 11.3b USD
EBIT TTM = 2.51b USD
EBITDA TTM = 2.98b USD
Long Term Debt = 10.3b USD (from longTermDebt, last quarter)
Short Term Debt = 54.0m USD (from shortTermDebt, last quarter)
Debt = 12.3b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -16.0m USD (calculated: Debt 12.3b - CCE 12.3b)
Enterprise Value = 31.4b USD (31.5b + Debt 12.3b - CCE 12.3b)
Interest Coverage Ratio = 0.68 (Ebit TTM 2.51b / Interest Expense TTM 3.71b)
EV/FCF = 12.57x (Enterprise Value 31.4b / FCF TTM 2.50b)
FCF Yield = 7.95% (FCF TTM 2.50b / Enterprise Value 31.4b)
FCF Margin = 22.18% (FCF TTM 2.50b / Revenue TTM 11.3b)
Net Margin = 17.51% (Net Income TTM 1.98b / Revenue TTM 11.3b)
Gross Margin = 70.10% ((Revenue TTM 11.3b - Cost of Revenue TTM 3.37b) / Revenue TTM)
Gross Margin QoQ = 67.02% (prev none%)
Tobins Q-Ratio = 0.14 (Enterprise Value 31.4b / Total Assets 228b)
Interest Expense / Debt = 30.10% (Interest Expense 3.71b / Debt 12.3b)
Taxrate = 21.31% (535.0m / 2.51b)
NOPAT = 1.98b (EBIT 2.51b * (1 - 21.31%))
Current Ratio = 0.07 (Total Current Assets 12.3b / Total Current Liabilities 183b)
Debt / Equity = 0.47 (Debt 12.3b / totalStockholderEquity, last quarter 26.2b)
Debt / EBITDA = -0.01 (Net Debt -16.0m / EBITDA 2.98b)
Debt / FCF = -0.01 (Net Debt -16.0m / FCF TTM 2.50b)
Total Stockholder Equity = 25.9b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.88% (Net Income 1.98b / Total Assets 228b)
RoE = 7.63% (Net Income TTM 1.98b / Total Stockholder Equity 25.9b)
RoCE = 6.94% (EBIT 2.51b / Capital Employed (Equity 25.9b + L.T.Debt 10.3b))
RoIC = 0.87% (NOPAT 1.98b / Invested Capital 227b)
WACC = 13.87% (E(31.5b)/V(43.8b) * Re(10.03%) + D(12.3b)/V(43.8b) * Rd(30.10%) * (1-Tc(0.21)))
Discount Rate = 10.03% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -97.54 | Cagr: -3.72%
[DCF] Terminal Value 62.23% ; FCFF base≈1.94b ; Y1≈2.23b ; Y5≈3.28b
[DCF] Fair Price = 58.71 (EV 24.8b - Net Debt -16.0m = Equity 24.8b / Shares 422.9m; r=13.87% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 24.15 | EPS CAGR: 3.40% | SUE: 3.84 | # QB: 5
Revenue Correlation: -23.88 | Revenue CAGR: -1.12% | SUE: 0.66 | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.38 | Chg30d=+0.28% | Revisions=+40% | Analysts=13
EPS current Year (2026-12-31): EPS=5.21 | Chg30d=+0.13% | Revisions=+40% | GrowthEPS=+35.1% | GrowthRev=+10.6%
EPS next Year (2027-12-31): EPS=6.44 | Chg30d=+0.56% | Revisions=+17% | GrowthEPS=+23.6% | GrowthRev=+8.5%
[Analyst] Revisions Ratio: +50% (up=6, down=1)