Citizens Financial Group (CFG)

Financials · $27.3B market cap · SEC CIK 0000759944

Next reports on Jan 15, 2027, before the open, with analysts expecting $1.49 in earnings per share.

52-week range $49.00 to $75.33. 14% below its 52-week high and 32% above its low.

The case for CFG

• Cheap for its growth: 12.0× earnings, where 9% a year of growth plus a 6.3% dividend would justify about 31×.
• 25% of revenue drops through to net profit.
• Earnings per share up 36.4%.
• Pays a 6.3% dividend while you wait.
• Trades at 1.07× book value, close to what the balance sheet says it owns.

The case against

• Weakest against its peers: return on equity of 9% is lower than 84% of Financials companies.
• Its weakest area is stability (50/100): beta 1.13, a 35% swing over the year.

What the score is made of

Each factor is half a curve over reported figures and half a rank among the other Financials companies (momentum is judged against fixed thresholds only), and the five are blended by weight. The score is where that blend places it in the S&P 500. It describes the last filing and the current price. It is not a forecast.

• Its one-year revenue change (+63%) is far out of line with its five-year trend (+7% a year). In the Financials sector that is usually interest income swinging with rates rather than growth, so only the five-year figure is used.
• Its debt and cash flow are not scored, as for every company in the Financials sector: for banks, insurers and brokers, borrowing is the business.
• Each factor except momentum is half fixed thresholds, half rank among the 76 Financials companies.

The financials

The financials, five years deep

Pulled from Citizens Financial Group's XBRL filings on SEC EDGAR. Italic rows are worked out from the others.

What Citizens Financial Group says it does

Citizens Financial Group, Inc. is headquartered in Providence, Rhode Island. We offer a broad range of retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations, and institutions. Our products and services are offered through more than 1,000 branches in 14 states and the District of Columbia and 75 retail and commercial non-branch offices, though certain lines of business serve national markets. At December 31, 2025, we had total assets of $226.4 billion, total deposits of $183.3 billion, and total stockholders’ equity of $26.3 billion. In addition, we had total client assets of $61.9 billion, including assets under management of $35.9 billion, representing assets for which continuous and regular supervisory or management services are provided, and transactional assets of $26.0 billion, representing assets for which execution, custody, recordkeeping, reporting, and…

Risk factors CFG lists in its 10-K

• We may not be able to successfully execute our business strategy
• Our ability to meet our obligations, and the cost of funds to do so, depend on our ability to access identified sources of liquidity at a reasonable cost
• Changes in interest rates may have an adverse effect on our liquidity and profitability
• A reduction in our credit ratings could have a material adverse effect on our business, financial condition, and results of operations
• Our financial performance may be adversely affected by deterioration in borrower credit quality
• Our framework for managing risks may not be effective in mitigating risk and loss
• Changes in our accounting policies or standards could materially affect how we report our financial results and condition
• Our financial and accounting estimates and risk management framework rely on analytical forecasting and models
• The preparation of our financial statements requires us to make subjective determinations and use estimates that may vary from actual results and materially impact our financial condition and results of operations
• Operational risks are inherent in our businesses
• We are subject to a variety of cybersecurity risks that, if realized, could adversely affect how we conduct our business
• We rely heavily on communications and information systems to conduct our business
• We rely on third parties for the performance of a significant portion of our information technology
• We are exposed to reputational risk and the risk of damage to our brands and the brands of our affiliates
• Unpredictable catastrophic events could have an adverse effect on our business, financial position, and results of operations
• Any deterioration in national economic and political conditions could have a material adverse effect on our business, financial condition, and results of operations
• Climate change manifesting as physical or transition risks could adversely affect our operations, businesses, and customers
• We operate in an industry that is highly competitive, which could result in losing business or margin declines and have a material adverse effect on our business, financial condition, and results of operations
• The conditions of other financial institutions or of the financial services industry could adversely affect our operations and financial condition
• As a financial holding company and a bank holding company, we are subject to regulation that could have a material adverse effect on our business and results of operations
• Our regulators may impose restrictions or limitations on our operations
• The regulatory environment in which we operate continues to be subject to evolving regulatory requirements that could have a material adverse effect on our business and earnings
• We are subject to capital adequacy and liquidity standards, and if we fail to meet these standards our financial condition and operations would be adversely affected
• The Parent Company could be required to act as a “source of strength” to CBNA, which would have a material adverse effect on our business, financial condition, and results of operations
• The Parent Company depends on CBNA for substantially all of its revenue, and restrictions on dividends and other distributions by CBNA could affect its liquidity and ability to fulfill its obligations
• From time-to-time, we may become or are subject to regulatory actions that may have a material impact on our business
• We are and may be subject to litigation that may have a material impact on our business
• Compliance with anti-money laundering and anti-terrorism financing rules involves significant cost and effort
• Our stock price may be volatile, and you could lose all or part of your investment as a result
• We may not repurchase shares or pay cash dividends on our common stock
• “Anti-takeover” provisions and the regulations to which we are subject may make it more difficult for a third party to acquire control of us, even if the change in control would be beneficial to stockholders

Filings

Other Financials companies