(CFG) Citizens Financial - Overview
Stock: Deposits, Loans, Mortgages, Cards, Treasury
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 3.62% |
| Yield on Cost 5y | 5.36% |
| Yield CAGR 5y | 2.47% |
| Payout Consistency | 99.2% |
| Payout Ratio | 45.5% |
| Risk 5d forecast | |
|---|---|
| Volatility | 32.2% |
| Relative Tail Risk | -8.55% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.21 |
| Alpha | 29.95 |
| Character TTM | |
|---|---|
| Beta | 1.224 |
| Beta Downside | 1.554 |
| Drawdowns 3y | |
|---|---|
| Max DD | 45.91% |
| CAGR/Max DD | 0.48 |
Description: CFG Citizens Financial December 19, 2025
Citizens Financial Group, Inc. (NYSE: CFG) is a U.S. bank holding company that serves individuals, small-business owners, middle-market firms, large corporations, and institutional clients through two operating segments: Consumer Banking and Commercial Banking.
The Consumer Banking segment delivers deposit accounts, mortgage and home-equity loans, credit cards, small-business financing, wealth-management and digital-deposit services, primarily via call centers, online and mobile channels. The Commercial Banking segment offers loan and lease financing, treasury-management, foreign-exchange, interest-rate and commodity-risk solutions, as well as syndicated loans, corporate-finance advisory, M&A, and capital-markets execution for multi-family, office, industrial, retail, healthcare, and hospitality customers.
Key recent metrics (FY 2023): net interest margin (NIM) held at ~3.2% despite a flattening yield curve; loan portfolio grew 5% YoY, led by commercial real-estate and small-business credit; deposits rose 6% YoY, reflecting continued consumer preference for FDIC-insured accounts. The bank’s CET1 capital ratio sits around 13%, comfortably above the 8% regulatory minimum, but below the ~14% average of the strongest regional peers.
Sector-level drivers that will likely influence CFG’s performance include the Federal Reserve’s policy path (higher rates boost NIM but can pressure loan demand), regional-bank credit-quality trends amid a tightening commercial-real-estate market, and the competitive shift toward digital-only banking platforms that pressure fee-income margins.
For a deeper, data-rich analysis of CFG’s valuation dynamics, you may find the tools on ValueRay useful.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 1.83b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.25 > 1.0 |
| NWC/Revenue: 71.41% < 20% (prev -1068 %; Δ 1139 % < -1%) |
| CFO/TA 0.01 > 3% & CFO 2.85b > Net Income 1.83b |
| Net Debt (-1.45b) to EBITDA (2.69b): -0.54 < 3 |
| Current Ratio: 1.04 > 1.5 & < 3 |
| Outstanding Shares: last quarter (435.5m) vs 12m ago -2.11% < -2% |
| Gross Margin: 69.75% > 18% (prev 0.58%; Δ 6918 % > 0.5%) |
| Asset Turnover: 5.02% > 50% (prev 5.68%; Δ -0.65% > 0%) |
| Interest Coverage Ratio: 0.43 > 6 (EBITDA TTM 2.69b / Interest Expense TTM 3.81b) |
Altman Z'' 0.49
| A: 0.04 (Total Current Assets 191.33b - Total Current Liabilities 183.37b) / Total Assets 226.35b |
| B: 0.05 (Retained Earnings 11.35b / Total Assets 226.35b) |
| C: 0.01 (EBIT TTM 1.65b / Avg Total Assets 221.94b) |
| D: 0.05 (Book Value of Equity 9.38b / Total Liabilities 200.03b) |
| Altman-Z'' Score: 0.49 = B |
Beneish M 1.00
| DSRI: 153.1 (Receivables 141.95b/1.03b, Revenue 11.15b/12.35b) |
| GMI: 0.83 (GM 69.75% / 57.57%) |
| AQI: 0.19 (AQ_t 0.15 / AQ_t-1 0.79) |
| SGI: 0.90 (Revenue 11.15b / 12.35b) |
| TATA: -0.00 (NI 1.83b - CFO 2.85b) / TA 226.35b) |
| Beneish M-Score: 121.5 (Cap -4..+1) = D |
What is the price of CFG shares?
Over the past week, the price has changed by +8.92%, over one month by +10.39%, over three months by +34.77% and over the past year by +46.13%.
Is CFG a buy, sell or hold?
- StrongBuy: 10
- Buy: 3
- Hold: 8
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the CFG price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 72.3 | 6.1% |
| Analysts Target Price | 72.3 | 6.1% |
| ValueRay Target Price | 79.5 | 16.6% |
CFG Fundamental Data Overview February 07, 2026
P/E Forward = 13.1062
P/S = 3.7456
P/B = 1.181
P/EG = 0.2626
Revenue TTM = 11.15b USD
EBIT TTM = 1.65b USD
EBITDA TTM = 2.69b USD
Long Term Debt = 9.21b USD (from longTermDebt, last quarter)
Short Term Debt = 58.0m USD (from shortTermDebt, last quarter)
Debt = 11.28b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -1.45b USD (from netDebt column, last quarter)
Enterprise Value = -9.49b USD (28.61b + Debt 11.28b - CCE 49.38b)
Interest Coverage Ratio = 0.43 (Ebit TTM 1.65b / Interest Expense TTM 3.81b)
EV/FCF = -3.49x (Enterprise Value -9.49b / FCF TTM 2.72b)
FCF Yield = -28.68% (FCF TTM 2.72b / Enterprise Value -9.49b)
FCF Margin = 24.42% (FCF TTM 2.72b / Revenue TTM 11.15b)
Net Margin = 16.42% (Net Income TTM 1.83b / Revenue TTM 11.15b)
Gross Margin = 69.75% ((Revenue TTM 11.15b - Cost of Revenue TTM 3.37b) / Revenue TTM)
Gross Margin QoQ = none% (prev 63.60%)
Tobins Q-Ratio = -0.04 (set to none) (Enterprise Value -9.49b / Total Assets 226.35b)
Interest Expense / Debt = 8.06% (Interest Expense 909.0m / Debt 11.28b)
Taxrate = 22.01% (149.0m / 677.0m)
NOPAT = 1.29b (EBIT 1.65b * (1 - 22.01%))
Current Ratio = 1.04 (Total Current Assets 191.33b / Total Current Liabilities 183.37b)
Debt / Equity = 0.43 (Debt 11.28b / totalStockholderEquity, last quarter 26.32b)
Debt / EBITDA = -0.54 (Net Debt -1.45b / EBITDA 2.69b)
Debt / FCF = -0.53 (Net Debt -1.45b / FCF TTM 2.72b)
Total Stockholder Equity = 25.56b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.83% (Net Income 1.83b / Total Assets 226.35b)
RoE = 7.16% (Net Income TTM 1.83b / Total Stockholder Equity 25.56b)
RoCE = 4.75% (EBIT 1.65b / Capital Employed (Equity 25.56b + L.T.Debt 9.21b))
RoIC = 3.67% (NOPAT 1.29b / Invested Capital 35.11b)
WACC = 9.26% (E(28.61b)/V(39.89b) * Re(10.43%) + D(11.28b)/V(39.89b) * Rd(8.06%) * (1-Tc(0.22)))
Discount Rate = 10.43% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -3.55%
[DCF Debug] Terminal Value 67.45% ; FCFF base≈2.46b ; Y1≈1.81b ; Y5≈1.03b
Fair Price DCF = 40.36 (EV 15.88b - Net Debt -1.45b = Equity 17.32b / Shares 429.2m; r=9.26% [WACC]; 5y FCF grow -31.39% → 2.90% )
EPS Correlation: -48.69 | EPS CAGR: 1.47% | SUE: 1.60 | # QB: 3
Revenue Correlation: 44.08 | Revenue CAGR: 6.37% | SUE: 1.96 | # QB: 1
EPS next Quarter (2026-03-31): EPS=1.09 | Chg30d=+0.004 | Revisions Net=+3 | Analysts=14
EPS current Year (2026-12-31): EPS=5.11 | Chg30d=+0.073 | Revisions Net=+9 | Growth EPS=+32.5% | Growth Revenue=+9.9%
EPS next Year (2027-12-31): EPS=6.28 | Chg30d=+0.131 | Revisions Net=+8 | Growth EPS=+22.8% | Growth Revenue=+8.4%