CFG Stock Analysis: Citizens Financial | NYSE
Banks - Regional | NYSE, USA | Market Cap: 27.263m USD | 12M Return: 27.6% | US1746101054 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 244M
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. 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: 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 September 27, 2026, the stock is trading at USD 65.53 with a total of 3,847,261 shares traded. Over the past week, the price has changed by -2.25%, over one month by -6.16%, over three months by -6.66% and over the past year by +27.63%.
Current recommended Stop Loss: 62.40 (which is 4.8% or 2 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 | 80.7 | 23.2% |
P/E Trailing = 14.0717
P/E Forward = 9.9305
P/S = 3.3406
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 = 30.9b USD (27.3b + Debt 16.3b - CCE 12.8b)
Interest Coverage Ratio = 0.74 (Ebit TTM 2.71b / Interest Expense TTM 3.65b)
EV/FCF = 13.11x (Enterprise Value 30.9b / FCF TTM 2.35b)
FCF Yield = 7.63% (FCF TTM 2.35b / Enterprise Value 30.9b)
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 30.9b / 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 = 12.70% (E(27.3b)/V(43.6b) * Re(9.82%) + D(16.3b)/V(43.6b) * Rd(22.32%) * (1-Tc(0.22)))
Discount Rate = 9.82% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -97.42 | Cagr: -3.64%
[DCF] Terminal Value 65.23% ; FCFF base≈1.87b ; Y1≈2.15b ; Y5≈3.16b
[DCF] Fair Price = 55.11 (EV 26.8b - Net Debt 3.59b = Equity 23.2b / Shares 421.2m; r=12.70% [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=1.40 | Chg30d=-0.74% | Revisions=+25% | Analysts=13
EPS current Year (2026-12-31): EPS=5.30 | Chg30d=-0.14% | Revisions=+17% | GrowthEPS=+37.2% | GrowthRev=+11.3%
EPS next Year (2027-12-31): EPS=6.53 | Chg30d=+0.13% | Revisions=+0% | GrowthEPS=+23.4% | GrowthRev=+8.7%
[Analyst] Revisions Ratio: +29% (up=3, down=1)