(CFG) Citizens Financial - NYSE
Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 28.608m USD | Total Return: 70.4% in 12m
Avg Turnover: 267M
EPS Trend: -32.4%
Qual. Beats: 4
Rev. Trend: -23.9%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Citizens Financial Group, Inc. (CFG) is a Providence-based financial institution operating primarily in the Northeast, Mid-Atlantic, and Midwest regions. The company functions through two core segments: Consumer Banking, which focuses on retail deposits, mortgages, and wealth management, and Commercial Banking, which provides capital markets, treasury services, and corporate finance solutions. As a regional bank, CFGs business model is heavily influenced by the net interest margin, which represents the spread between interest earned on loans and interest paid on deposits.
The company serves a diverse client base ranging from individual retail customers and small businesses to large institutional clients and high-net-worth families. In addition to traditional physical branches, the firm utilizes digital platforms and specialized lending arms, such as point-of-sale and education finance, to scale its national presence. Regional banks like Citizens often face distinct regulatory requirements compared to global systemic banks, particularly regarding liquidity coverage and capital adequacy ratios. You may find it useful to examine the latest fundamental metrics for CFG on ValueRay.
Founded in 1828, the firm transitioned from a subsidiary of the Royal Bank of Scotland to a fully independent entity in 2014. Its commercial segment maintains significant exposure to various real estate and industrial sectors, including healthcare and hospitality. The banks performance is closely tied to domestic economic conditions and Federal Reserve monetary policy, which dictates the benchmark rates for its lending and deposit products.
- Net interest margin fluctuation tracks Federal Reserve benchmark rate pivots
- Commercial real estate loan exposure impacts credit quality and loss reserves
- Capital markets activity recovery drives non-interest investment banking fee growth
- Student loan and point-of-sale financing demand shifts with consumer spending
- Operational efficiency initiatives and technology investments influence long-term overhead costs
| 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 June 18, 2026, the stock is trading at USD 66.78 with a total of 3,484,126 shares traded.
Over the past week, the price has changed by +2.80%,
over one month by +9.19%,
over three months by +17.81% and
over the past year by +70.43%.
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 | 73.3 | 9.7% |
P/E Trailing = 16.0308
P/E Forward = 13.1926
P/S = 3.6282
P/B = 1.189
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 = 28.6b USD (28.6b + Debt 12.3b - CCE 12.3b)
Interest Coverage Ratio = 0.68 (Ebit TTM 2.51b / Interest Expense TTM 3.71b)
EV/FCF = 11.43x (Enterprise Value 28.6b / FCF TTM 2.50b)
FCF Yield = 8.75% (FCF TTM 2.50b / Enterprise Value 28.6b)
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 = 0.13 (Enterprise Value 28.6b / 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 = 13.97% (E(28.6b)/V(40.9b) * Re(9.79%) + D(12.3b)/V(40.9b) * Rd(30.10%) * (1-Tc(0.21)))
Discount Rate = 9.79% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -98.88 | Cagr: -3.72%
[DCF] Terminal Value 61.98% ; FCFF base≈1.94b ; Y1≈2.23b ; Y5≈3.28b
[DCF] Fair Price = 58.17 (EV 24.6b - Net Debt -16.0m = Equity 24.6b / Shares 422.9m; r=13.97% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: -32.41 | EPS CAGR: -4.58% | SUE: 3.43 | # QB: 4
Revenue Correlation: -23.88 | Revenue CAGR: -1.12% | SUE: 0.66 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.24 | Chg30d=+0.24% | Revisions=-8% | Analysts=12
EPS next Quarter (2026-09-30): EPS=1.38 | Chg30d=+0.28% | Revisions=+29% | Analysts=12
EPS current Year (2026-12-31): EPS=5.20 | Chg30d=+0.14% | Revisions=+43% | GrowthEPS=+34.8% | GrowthRev=+10.5%
EPS next Year (2027-12-31): EPS=6.41 | Chg30d=+0.31% | Revisions=+71% | GrowthEPS=+23.2% | GrowthRev=+8.8%
[Analyst] Revisions Ratio: +71%