(CFG) Citizens Financial - Overview

Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 25.737m USD | Total Return: 51.9% in 12m

Consumer Loans, Mortgages, Deposits, Wealth Management, Corporate Finance

Total Rating 51

Safety 23

Buy Signal 0.32

Banks - Regional
Industry Rotation: -4.1

Market Cap: 25.7B
Avg Turnover: 248M

Risk 3d forecast

Volatility27.2%

VaR 5^th Pctl4.60%

VaR vs Median2.83%

Reward TTM

Sharpe Ratio1.54

Rel. Str. IBD70

Rel. Str. Peer Group85.8

Character TTM

Beta1.197

Beta Downside1.226

Hurst Exponent0.524

Drawdowns 3y

Max DD29.08%

CAGR/Max DD1.28

CAGR/Mean DD5.37

EPS (Earnings per Share)

EPS CAGR: -0.23%
EPS Trend: -33.3%

Last SUE: 3.43
Qual. Beats: 4

Revenue

Rev. CAGR: 10.39%
Rev. Trend: 25.1%

Last SUE: 0.66
Qual. Beats: 0

Warnings

No concerns identified

Tailwinds

No distinct edge detected

Description: CFG Citizens Financial

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.

Headlines to Watch Out For

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

Piotroski VR‑10 (Strict) 4.0

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: 108.8% < 20% (prev -1.10k%; Δ 1.21k% < -1%)
CFO/TA 0.01 > 3% & CFO 2.66b > Net Income 1.98b
Net Debt (-16.0m) to EBITDA (2.75b): -0.01 < 3
Current Ratio: 228.3 > 1.5 & < 3
Outstanding Shares: last quarter (429.9m) vs 12m ago -2.78% < -2%
Gross Margin: 71.13% > 18% (prev 0.59%; Δ 7.05k% > 0.5%)
Asset Turnover: 5.03% > 50% (prev 5.50%; Δ -0.47% > 0%)
Interest Coverage Ratio: 0.32 > 6 (EBITDA TTM 2.75b / Interest Expense TTM 3.71b)

Altman Z'' 0.60

A: 0.05 (Total Current Assets 12.33b - Total Current Liabilities 54.0m) / Total Assets 227.92b
B: 0.05 (Retained Earnings 11.63b / Total Assets 227.92b)
C: 0.01 (EBIT TTM 1.18b / Avg Total Assets 224.03b)
D: 0.05 (Book Value of Equity 9.55b / Total Liabilities 201.75b)
Altman-Z'' Score: 0.60 = B

Beneish M 1.00

DSRI: 148.5 (Receivables 141.95b/1.03b, Revenue 11.28b/12.12b)
GMI: 0.82 (GM 71.13% / 58.62%)
AQI: 1.20 (AQ_t 0.94 / AQ_t-1 0.79)
SGI: 0.93 (Revenue 11.28b / 12.12b)
TATA: -0.00 (NI 1.98b - CFO 2.66b) / TA 227.92b)
Beneish M-Score: 118.3 (Cap -4..+1) = D

What is the price of CFG shares? As of May 19, 2026, the stock is trading at USD 61.16 with a total of 3,198,725 shares traded.
Over the past week, the price has changed by -1.61%, over one month by -6.33%, over three months by -5.29% and over the past year by +51.85%.

Is CFG a buy, sell or hold? Citizens Financial has received a consensus analysts rating of 4.10. Therefore, it is recommended to buy CFG.

StrongBuy: 10
Buy: 3
Hold: 8
Sell: 0
StrongSell: 0

What are the forecasts/targets for the CFG price?

Analysts Target Price	73.2	19.6%

Citizens Financial (CFG) - Fundamental Data Overview as of 18 May 2026

P/E Trailing = 14.4218
P/E Forward = 12.4224
P/S = 3.264
P/B = 1.1201
P/EG = 1.6472
Revenue TTM = 11.28b USD
EBIT TTM = 1.18b USD
EBITDA TTM = 2.75b USD
Long Term Debt = 10.27b USD (from longTermDebt, last quarter)
Short Term Debt = 54.0m USD (from shortTermDebt, last quarter)
Debt = 12.31b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -16.0m USD (from netDebt column, last quarter)
Enterprise Value = 25.72b USD (25.74b + Debt 12.31b - CCE 12.33b)
Interest Coverage Ratio = 0.32 (Ebit TTM 1.18b / Interest Expense TTM 3.71b)
EV/FCF = 10.28x (Enterprise Value 25.72b / FCF TTM 2.50b)
FCF Yield = 9.72% (FCF TTM 2.50b / Enterprise Value 25.72b)
FCF Margin = 22.18% (FCF TTM 2.50b / Revenue TTM 11.28b)
Net Margin = 17.51% (Net Income TTM 1.98b / Revenue TTM 11.28b)
Gross Margin = 71.13% ((Revenue TTM 11.28b - Cost of Revenue TTM 3.26b) / Revenue TTM)
Gross Margin QoQ = 67.02% (prev none%)
Tobins Q-Ratio = 0.11 (Enterprise Value 25.72b / Total Assets 227.92b)
Interest Expense / Debt = 6.97% (Interest Expense 858.0m / Debt 12.31b)
Taxrate = 20.46% (133.0m / 650.0m)
NOPAT = 940.9m (EBIT 1.18b * (1 - 20.46%))
Current Ratio = 228.3 (out of range, set to none) (Total Current Assets 12.33b / Total Current Liabilities 54.0m)
Debt / Equity = 0.47 (Debt 12.31b / totalStockholderEquity, last quarter 26.17b)
Debt / EBITDA = -0.01 (Net Debt -16.0m / EBITDA 2.75b)
Debt / FCF = -0.01 (Net Debt -16.0m / FCF TTM 2.50b)
Total Stockholder Equity = 25.89b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.88% (Net Income 1.98b / Total Assets 227.92b)
RoE = 7.63% (Net Income TTM 1.98b / Total Stockholder Equity 25.89b)
RoCE = 3.27% (EBIT 1.18b / Capital Employed (Equity 25.89b + L.T.Debt 10.27b))
RoIC = 2.65% (NOPAT 940.9m / Invested Capital 35.53b)
WACC = 8.69% (E(25.74b)/V(38.05b) * Re(10.19%) + D(12.31b)/V(38.05b) * Rd(6.97%) * (1-Tc(0.20)))
Discount Rate = 10.19% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -98.88 | Cagr: -3.72%
[DCF] Terminal Value 70.18% ; FCFF base≈1.94b ; Y1≈1.43b ; Y5≈816.1m
[DCF] Fair Price = 32.89 (EV 13.89b - Net Debt -16.0m = Equity 13.91b / Shares 422.9m; r=8.69% [WACC]; 5y FCF grow -31.39% → 3.0% )
EPS Correlation: -33.29 | EPS CAGR: -0.23% | SUE: 3.43 | # QB: 4
Revenue Correlation: 25.09 | Revenue CAGR: 10.39% | SUE: 0.66 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.24 | Chg30d=-0.11% | Revisions=-8% | Analysts=13
EPS next Quarter (2026-09-30): EPS=1.38 | Chg30d=+1.54% | Revisions=+29% | Analysts=13
EPS current Year (2026-12-31): EPS=5.20 | Chg30d=+1.37% | Revisions=+43% | GrowthEPS=+34.6% | GrowthRev=+10.5%
EPS next Year (2027-12-31): EPS=6.39 | Chg30d=+1.20% | Revisions=+71% | GrowthEPS=+23.1% | GrowthRev=+8.8%
[Analyst] Revisions Ratio: +71%