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CFG Citizens Financial Group, Inc.

New York Stock Exchange · Banks - Regional · Financial Services

$74.73
+0.62 (+0.84%)

Citizens Financial Group, Inc. (CFG) functions as the holding company for Citizens Bank, National Association, a major financial institution offering a comprehensive suite of retail and commercial banking solutions across the United States. It serves a broad spectrum of clients, from individual consumers and small enterprises to large corporations and various institutions. Its business is segmente…

Market Cap: $31.60Bwww.citizensbank.com

Price (90d)

No price history yet — the daily price refresh runs once a day.

Signal Score (90d)

120
120
Aug 12Aug 12

Quote

Day Range
$73.61 – $74.86
52-Week Range
$47.95 – $74.86
Volume
$1.31M
Market Cap
$31.60B
50-Day Avg
$70.37
200-Day Avg
$62.57
Prev Close
$74.11
Open
$73.61

Valuation & Ratios

P/E Ratio
14.98
EPS
$4.24
P/B Ratio
0.96
P/S Ratio
2.26
Debt/Equity
0.43
Current Ratio
1.04
Dividend Yield
+3.5%
Gross Margin
+69.8%

Returns & Efficiency

Return on Equity
+7.0%
Return on Assets
+0.8%
FCF Yield
+8.1%
EV/EBITDA
8.82

Revenue & Net Income (Annual)

Fiscal YearRevenueNet IncomeEPS
2025$11.15B$1.83B$3.90
2024$12.35B$1.51B$3.04
2023$12.19B$1.61B$3.14
2022$9.07B$2.07B$4.12
2021$6.99B$2.32B$5.18

Social Signal Score

70
5d
70
1 mentions
30d
70
1 mentions
60d
70
1 mentions
90d
70
1 mentions
rss: 1

Earnings

Fri, Oct 16(in 2 months)

Consensus estimate $1.40 per share

6of 6 quarters beat consensus

Typical surprise +3.2% (median, so one quarter with a near-zero estimate can't distort it)

  • Thu, Jul 16$1.30 vs $1.24beat
  • Thu, Apr 16$1.13 vs $1.09beat
  • Wed, Jan 21$1.13 vs $1.10beat
  • Wed, Oct 15$1.05 vs $1.03beat
  • Thu, Jul 17$0.92 vs $0.88beat
  • Wed, Apr 16$0.77 vs $0.75beat

Estimates and results for CFG via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.

Valuation

Project earnings forward and see what return today's price implies.

Seeded from CFG's reported EPS growth of -6.8% a year over 4 years.

EPS in 5 years
$2.98
Implied price
$44.77
Return from $74.73
-9.7% a year

To earn 15.0% a year on these assumptions you'd need to buy at $22.26 -70.2% below today's price.

How sensitive is that answer?

Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.

growth \ P/E1113151719
-16.8%-24.3%-21.7%-19.4%-17.4%-15.5%
-11.8%-19.7%-17.0%-14.6%-12.4%-10.4%
-6.8%-15.2%-12.3%-9.7%-7.5%-5.4%
-1.8%-10.6%-7.6%-4.9%-2.5%-0.3%
3.2%-6.1%-2.9%-0.1%2.5%4.8%

This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.

Mentions (1)

  • News (RSS)nyt·3d ago·Positive

    Flock Cameras Can Track Every Car in America. Police Love Them. Citizens Don’t. In Texas, there’s one thing liberals and conservatives agree on: They don’t want cameras trained on their cars.

    View source ↗