CFG
Citizens Financial Group, Inc.
Price Chart
Latest Quote
$72.39
-2.01 (-2.70%)
Current Price
| Previous Close | $74.40 |
| Open | $73.89 |
| Day High | $74.13 |
| Day Low | $71.83 |
| Volume | 5,191,627 |
Stock Information
| Quarterly Dividend / Yield | $1.84 / 2.59% |
| Shares Outstanding | 422.68M |
| Quarterly Dividend Yield | 2.59% |
| Quarterly Dividend | $1.84 |
| Total Debt | $12.31B |
| Cash Equivalents | $13.16B |
| Revenue | $7.89B |
| Net Income | $1.83B |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $30.60B |
| P/E Ratio | 15.77 |
| EPS (TTM) | $4.59 |
| Exchange | NYQ |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $31.34B |
| Sales | $7.89B |
| Income | $1.83B |
| Book/sh | $56.48 |
| Cash/sh | $31.13 |
| Employees | 17K |
Financial Ratios
| EPS Growth TTM | 38.60% |
Returns & Margins
| ROA | 0.88% |
| ROE | 7.74% |
| Operating Margin | 32.05% |
| Profit Margin | 25.05% |
Ownership
| Insider Ownership | 0.73% |
| Institutional Ownership | 98.95% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 11.15 |
| PEG | 1.65 |
| P/S | 3.88 |
| P/B | 1.28 |
Analyst Data
| Recommendation | buy |
| Target Price | $77.00 |
Technical Indicators
| SMA20 | $70.46 |
| SMA50 | $66.28 |
| SMA200 | $59.94 |
| RSI | 56.38 |
| ATR | 1.8450 |
| Shares Float | 418.67M |
| Short Float | 0.02% |
| Short Ratio | 0.01 |
| Volatility | 1.00 |
| Rel Volume | 0.98 |
Performance History
| Week | +2.91% |
| Month | +7.61% |
| Quarter | +13.20% |
| 6 Months | +22.51% |
| YTD | +23.63% |
| Year | +59.10% |
| 3 Years | +192.46% |
| 5 Years | +96.68% |
| 10 Years | +401.48% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-07-17 | $72.39 | 5,191,627 |
| 2026-07-16 | $74.40 | 9,763,200 |
| 2026-07-15 | $71.12 | 5,129,500 |
| 2026-07-14 | $70.32 | 4,940,700 |
| 2026-07-13 | $70.36 | 4,052,400 |
| 2026-07-10 | $70.34 | 3,690,600 |
| 2026-07-09 | $69.86 | 5,085,500 |
| 2026-07-08 | $68.56 | 9,015,100 |
| 2026-07-07 | $71.78 | 5,807,200 |
| 2026-07-06 | $72.11 | 4,704,800 |
| 2026-07-02 | $70.98 | 5,118,000 |
| 2026-07-01 | $71.82 | 5,744,100 |
| 2026-06-30 | $70.07 | 4,727,800 |
| 2026-06-29 | $70.43 | 3,305,400 |
| 2026-06-26 | $70.40 | 4,697,200 |
| 2026-06-25 | $70.66 | 5,124,400 |
| 2026-06-24 | $69.46 | 4,447,200 |
| 2026-06-23 | $68.99 | 4,390,900 |
| 2026-06-22 | $67.99 | 3,630,500 |
| 2026-06-18 | $67.08 | 7,885,400 |
About Citizens Financial Group, Inc.
Citizens Financial Group, Inc. operates as the bank holding company that provides retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations, and institutions in the United States. The company operates through two segments, Consumer Banking and Commercial Banking. The Consumer Banking segment offers deposit products, mortgage and home equity lending products, credit cards, business loans, and wealth management services; and education and point-of-sale finance loans, as well as digital deposit products. This segment serves its customers through telephone service centers, as well as through its online and mobile platforms. The Commercial Banking segment provides various financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange, and interest rate and commodity risk management solutions, as well as syndicated loans, corporate finance, mergers and acquisitions, and debt and equity capital markets services. The company serves customers and small businesses, high- and ultra-high-net-worth individuals and families, as well as investors, entrepreneurs, and companies and institutions, as well as multifamily, office, industrial, retail, healthcare, and hospitality sectors. The company was formerly known as RBS Citizens Financial Group, Inc. and changed its name to Citizens Financial Group, Inc. in April 2014. Citizens Financial Group, Inc. was founded in 1828 and is headquartered in Providence, Rhode Island.
đ° Latest News
Citizens Financial Group (CFG) Beat Q2 Earnings And Reaffirmed Guidance, Is It Fully Valued?
Simply Wall St. âĸ 2026-07-17T20:09:29Z
Citizens Financial Group (CFG) Stock Gets Fair Value Bump As Analysts Lift Targets
Simply Wall St. âĸ 2026-07-17T18:10:48Z
Regions Financial Q2 Earnings Beat Estimates, NII, Expenses Up Y/Y
Zacks âĸ 2026-07-17T14:06:00Z
Company News for July 17, 2026
Zacks âĸ 2026-07-17T10:59:00Z
First Citizens BancShares, Citizens Financial Group, WesBanco, Stock Yards Bank, and Provident Financial Services Stocks Trade Up, What You Need To Know
StockStory âĸ 2026-07-16T21:53:22Z
Citizens Financial Group Inc (CFG) Q2 2026 Earnings Call Highlights: Strong EPS and Revenue ...
GuruFocus.com âĸ 2026-07-16T21:00:37ZCFG Q2 Earnings Top on NII & Fee Income, Raised NIM View Lifts Stock
Zacks âĸ 2026-07-16T16:10:00Z
Citizens Financial Group Q2 Earnings Call Highlights
MarketBeat âĸ 2026-07-16T15:04:49Z
Citizens Financial Group (CFG) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates
Zacks âĸ 2026-07-16T13:30:03Z
Citizens Financial surpasses second-quarter forecasts as revenue and profit climb (CFG)
InvestorsHub âĸ 2026-07-16T12:11:51Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $8,247,000,000 | $7,809,000,000 | $8,224,000,000 | $8,021,000,000 |
| Operating Revenue | $8,247,000,000 | $7,809,000,000 | $8,224,000,000 | $8,021,000,000 |
| Expenses | ||||
| Interest Expense | $3,810,000,000 | $4,553,000,000 | $3,963,000,000 | $1,048,000,000 |
| Selling And Marketing Expense | $170,000,000 | $170,000,000 | $187,000,000 | $166,000,000 |
| General And Administrative Expense | $2,951,000,000 | $2,819,000,000 | $2,764,000,000 | $2,645,000,000 |
| Other Non Interest Expense | $998,000,000 | $998,000,000 | $1,083,000,000 | $1,023,000,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $1,831,000,000 | $1,509,000,000 | $1,608,000,000 | $2,073,000,000 |
| Net Interest Income | $5,853,000,000 | $5,633,000,000 | $6,241,000,000 | $6,012,000,000 |
| Interest Income | $9,663,000,000 | $10,186,000,000 | $10,204,000,000 | $7,060,000,000 |
| Normalized Income | $1,810,550,687 | $1,533,777,013 | $1,786,290,000 | $2,073,000,000 |
| Net Income From Continuing And Discontinued Operation | $1,831,000,000 | $1,509,000,000 | $1,608,000,000 | $2,073,000,000 |
| Net Income Common Stockholders | $1,688,000,000 | $1,372,000,000 | $1,491,000,000 | $1,960,000,000 |
| Net Income | $1,831,000,000 | $1,509,000,000 | $1,608,000,000 | $2,073,000,000 |
| Net Income Including Noncontrolling Interests | $1,831,000,000 | $1,509,000,000 | $1,608,000,000 | $2,073,000,000 |
| Net Income Continuous Operations | $1,831,000,000 | $1,509,000,000 | $1,608,000,000 | $2,073,000,000 |
| Pretax Income | $2,328,000,000 | $1,888,000,000 | $2,030,000,000 | $2,655,000,000 |
| Special Income Charges | $26,000,000 | $-31,000,000 | $-225,000,000 | $-244,000,000 |
| Per Share | ||||
| Diluted EPS | $3.86 | $3.03 | $3.13 | $4.10 |
| Basic EPS | $3.90 | $3.05 | $3.14 | $4.12 |
| Other | ||||
| Tax Effect Of Unusual Items | $5,550,687 | $-6,222,987 | $-46,710,000 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $26,000,000 | $-31,000,000 | $-225,000,000 | $-244,000,000 |
| Total Unusual Items Excluding Goodwill | $26,000,000 | $-31,000,000 | $-225,000,000 | $-244,000,000 |
| Reconciled Depreciation | $478,000,000 | $498,000,000 | $478,000,000 | $565,000,000 |
| Diluted Average Shares | $436,890,731 | $453,510,245 | $476,693,148 | $477,803,142 |
| Basic Average Shares | $433,173,162 | $450,678,038 | $475,089,384 | $475,959,815 |
| Diluted NI Availto Com Stockholders | $1,688,000,000 | $1,372,000,000 | $1,491,000,000 | $1,960,000,000 |
| Otherunder Preferred Stock Dividend | $5,000,000 | $-179,000,000 | $117,000,000 | - |
| Preferred Stock Dividends | $138,000,000 | $137,000,000 | $117,000,000 | $113,000,000 |
| Tax Provision | $497,000,000 | $379,000,000 | $422,000,000 | $582,000,000 |
| Other Special Charges | $-26,000,000 | $31,000,000 | $225,000,000 | - |
| Gain On Sale Of Security | $22,000,000 | $18,000,000 | $28,000,000 | $9,000,000 |
| Selling General And Administration | $3,121,000,000 | $2,989,000,000 | $2,951,000,000 | $2,811,000,000 |
| Insurance And Claims | $153,000,000 | $162,000,000 | $165,000,000 | $96,000,000 |
| Salaries And Wages | $2,798,000,000 | $2,657,000,000 | $2,599,000,000 | $2,549,000,000 |
| Occupancy And Equipment | $1,218,000,000 | $1,216,000,000 | $1,248,000,000 | $1,058,000,000 |
| Restructuring And Mergern Acquisition | - | $110,000,000 | $104,000,000 | $244,000,000 |
Fetched: 2026-07-08
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $18,015,000,000 | $15,921,000,000 | $15,997,000,000 | $15,320,000,000 |
| Total Assets | $226,351,000,000 | $217,521,000,000 | $221,964,000,000 | $226,733,000,000 |
| Goodwill And Other Intangible Assets | $8,302,000,000 | $8,333,000,000 | $8,345,000,000 | $8,370,000,000 |
| Other Intangible Assets | $115,000,000 | $146,000,000 | $157,000,000 | $197,000,000 |
| Receivables | $1,080,000,000 | $1,027,000,000 | $1,148,000,000 | $1,456,000,000 |
| Other Receivables | $1,080,000,000 | $1,027,000,000 | $1,148,000,000 | $1,456,000,000 |
| Cash And Cash Equivalents | $13,688,000,000 | $11,236,000,000 | $12,033,000,000 | $10,850,000,000 |
| Cash Financial | $12,727,000,000 | $10,601,000,000 | $11,628,000,000 | $10,547,000,000 |
| Cash Cash Equivalents And Federal Funds Sold | $13,688,000,000 | $11,236,000,000 | $12,033,000,000 | $10,850,000,000 |
| Accounts Receivable | - | - | - | - |
| Debt | ||||
| Total Debt | $11,282,000,000 | $12,401,000,000 | $13,972,000,000 | $15,890,000,000 |
| Long Term Debt And Capital Lease Obligation | $9,234,000,000 | $10,413,000,000 | $13,467,000,000 | $15,887,000,000 |
| Long Term Debt | $9,234,000,000 | $10,413,000,000 | $13,467,000,000 | $15,887,000,000 |
| Current Debt And Capital Lease Obligation | $2,048,000,000 | $1,988,000,000 | $505,000,000 | $3,000,000 |
| Current Debt | $2,048,000,000 | $1,988,000,000 | $505,000,000 | $3,000,000 |
| Other Current Borrowings | $58,000,000 | $0 | $505,000,000 | $3,000,000 |
| Net Debt | - | $1,165,000,000 | $1,939,000,000 | $5,040,000,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $200,034,000,000 | $193,267,000,000 | $197,622,000,000 | $203,043,000,000 |
| Derivative Product Liabilities | $779,000,000 | $1,220,000,000 | $1,562,000,000 | $1,909,000,000 |
| Current Notes Payable | $1,990,000,000 | $1,988,000,000 | $0 | - |
| Equity | ||||
| Common Stock Equity | $24,206,000,000 | $22,141,000,000 | $22,328,000,000 | $21,676,000,000 |
| Preferred Stock Equity | $2,111,000,000 | $2,113,000,000 | $2,014,000,000 | $2,014,000,000 |
| Total Equity Gross Minority Interest | $26,317,000,000 | $24,254,000,000 | $24,342,000,000 | $23,690,000,000 |
| Stockholders Equity | $26,317,000,000 | $24,254,000,000 | $24,342,000,000 | $23,690,000,000 |
| Gains Losses Not Affecting Retained Earnings | $-1,970,000,000 | $-3,595,000,000 | $-3,758,000,000 | $-4,560,000,000 |
| Other Equity Adjustments | $-1,970,000,000 | $-3,595,000,000 | $-3,758,000,000 | $-4,560,000,000 |
| Retained Earnings | $11,345,000,000 | $10,412,000,000 | $9,816,000,000 | $9,159,000,000 |
| Other | ||||
| Treasury Shares Number | $222,996,571 | $209,524,943 | $181,411,665 | $152,937,860 |
| Preferred Shares Number | $50,000,000 | $34,000,000 | $30,000,000 | $30,000,000 |
| Ordinary Shares Number | $429,242,174 | $440,543,381 | $466,418,055 | $492,282,158 |
| Share Issued | $652,238,745 | $650,068,324 | $647,829,720 | $645,220,018 |
| Tangible Book Value | $15,904,000,000 | $13,808,000,000 | $13,983,000,000 | $13,306,000,000 |
| Invested Capital | $35,488,000,000 | $34,542,000,000 | $36,300,000,000 | $37,566,000,000 |
| Total Capitalization | $35,551,000,000 | $34,667,000,000 | $37,809,000,000 | $39,577,000,000 |
| Treasury Stock | $7,652,000,000 | $7,047,000,000 | $5,986,000,000 | $5,071,000,000 |
| Additional Paid In Capital | $22,476,000,000 | $22,364,000,000 | $22,250,000,000 | $22,142,000,000 |
| Capital Stock | $2,118,000,000 | $2,120,000,000 | $2,020,000,000 | $2,020,000,000 |
| Common Stock | $7,000,000 | $7,000,000 | $6,000,000 | $6,000,000 |
| Preferred Stock | $2,111,000,000 | $2,113,000,000 | $2,014,000,000 | $2,014,000,000 |
| Investments And Advances | $43,455,000,000 | $41,129,000,000 | $38,647,000,000 | $33,461,000,000 |
| Held To Maturity Securities | $7,866,000,000 | $8,516,000,000 | $8,980,000,000 | $9,724,000,000 |
| Goodwill | $8,187,000,000 | $8,187,000,000 | $8,188,000,000 | $8,173,000,000 |
| Net PPE | $915,000,000 | $875,000,000 | $895,000,000 | $844,000,000 |
| Accumulated Depreciation | $-821,000,000 | $-810,000,000 | $-813,000,000 | $-862,000,000 |
| Gross PPE | $1,736,000,000 | $1,685,000,000 | $1,708,000,000 | $1,706,000,000 |
| Construction In Progress | $110,000,000 | $53,000,000 | $77,000,000 | $61,000,000 |
| Other Properties | $1,000,000 | - | - | - |
| Machinery Furniture Equipment | $581,000,000 | $601,000,000 | $613,000,000 | $622,000,000 |
| Buildings And Improvements | $901,000,000 | $887,000,000 | $875,000,000 | $879,000,000 |
| Land And Improvements | $143,000,000 | $144,000,000 | $143,000,000 | $144,000,000 |
| Other Short Term Investments | $35,589,000,000 | $32,613,000,000 | $29,667,000,000 | $23,737,000,000 |
Fetched: 2026-07-08
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $2,037,000,000 | $1,879,000,000 | $2,789,000,000 | $3,993,000,000 |
| Operating Activities | ||||
| Operating Cash Flow | $2,211,000,000 | $2,001,000,000 | $2,961,000,000 | $4,119,000,000 |
| Cash Flow From Continuing Operating Activities | $2,211,000,000 | $2,001,000,000 | $2,961,000,000 | $4,119,000,000 |
| Operating Gains Losses | $-24,000,000 | $-18,000,000 | $-28,000,000 | $-9,000,000 |
| Investing Activities | ||||
| Capital Expenditure | $-174,000,000 | $-122,000,000 | $-172,000,000 | $-126,000,000 |
| Investing Cash Flow | $-5,967,000,000 | $2,987,000,000 | $5,248,000,000 | $-12,637,000,000 |
| Cash Flow From Continuing Investing Activities | $-5,967,000,000 | $2,987,000,000 | $5,248,000,000 | $-12,637,000,000 |
| Net Other Investing Changes | $-347,000,000 | $-93,000,000 | $-61,000,000 | $-871,000,000 |
| Capital Expenditure Reported | $-174,000,000 | $-122,000,000 | $-172,000,000 | $-126,000,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-1,000,000,000 | $-1,350,000,000 | $-906,000,000 | $-153,000,000 |
| Issuance Of Capital Stock | $393,000,000 | $392,000,000 | $0 | $0 |
| Financing Cash Flow | $5,882,000,000 | $-6,015,000,000 | $-7,128,000,000 | $9,907,000,000 |
| Cash Flow From Continuing Financing Activities | $5,882,000,000 | $-6,015,000,000 | $-7,128,000,000 | $9,907,000,000 |
| Net Other Financing Charges | $-8,000,000 | $18,000,000 | $21,000,000 | $-25,000,000 |
| Cash Dividends Paid | $-888,000,000 | $-903,000,000 | $-928,000,000 | $-892,000,000 |
| Preferred Stock Dividend Paid | $-133,000,000 | $-134,000,000 | $-120,000,000 | $-113,000,000 |
| Common Stock Dividend Paid | $-755,000,000 | $-769,000,000 | $-808,000,000 | $-779,000,000 |
| Net Preferred Stock Issuance | $-7,000,000 | $92,000,000 | $0 | $0 |
| Preferred Stock Issuance | $393,000,000 | $392,000,000 | $0 | $0 |
| Net Common Stock Issuance | $-600,000,000 | $-1,050,000,000 | $-906,000,000 | $-153,000,000 |
| Other | ||||
| Repayment Of Debt | $-9,744,000,000 | $-14,286,000,000 | $-28,418,000,000 | $-19,691,000,000 |
| Issuance Of Debt | $8,534,000,000 | $13,185,000,000 | $25,983,000,000 | $24,617,000,000 |
| Interest Paid Supplemental Data | $4,040,000,000 | $4,375,000,000 | $3,640,000,000 | $989,000,000 |
| End Cash Position | $12,727,000,000 | $10,601,000,000 | $11,628,000,000 | $10,547,000,000 |
| Beginning Cash Position | $10,601,000,000 | $11,628,000,000 | $10,547,000,000 | $9,158,000,000 |
| Changes In Cash | $2,126,000,000 | $-1,027,000,000 | $1,081,000,000 | $1,389,000,000 |
| Preferred Stock Payments | $-400,000,000 | $-300,000,000 | $0 | $0 |
| Common Stock Payments | $-600,000,000 | $-1,050,000,000 | $-906,000,000 | $-153,000,000 |
| Net Issuance Payments Of Debt | $-1,152,000,000 | $-1,606,000,000 | $-1,933,000,000 | $4,831,000,000 |
| Net Short Term Debt Issuance | $58,000,000 | $-505,000,000 | $502,000,000 | $-95,000,000 |
| Net Long Term Debt Issuance | $-1,210,000,000 | $-1,101,000,000 | $-2,435,000,000 | $4,926,000,000 |
| Long Term Debt Payments | $-9,744,000,000 | $-14,286,000,000 | $-28,418,000,000 | $-19,691,000,000 |
| Long Term Debt Issuance | $8,534,000,000 | $13,185,000,000 | $25,983,000,000 | $24,617,000,000 |
| Net Investment Purchase And Sale | $-898,000,000 | $-2,170,000,000 | $-4,384,000,000 | $-5,141,000,000 |
| Sale Of Investment | $8,565,000,000 | $7,585,000,000 | $5,703,000,000 | $5,635,000,000 |
| Purchase Of Investment | $-9,463,000,000 | $-9,755,000,000 | $-10,087,000,000 | $-10,776,000,000 |
| Change In Working Capital | $-306,000,000 | $-571,000,000 | $273,000,000 | $-858,000,000 |
| Change In Other Current Liabilities | $-395,000,000 | $-310,000,000 | $-339,000,000 | $1,036,000,000 |
| Change In Other Current Assets | $89,000,000 | $-261,000,000 | $612,000,000 | $-1,894,000,000 |
| Other Non Cash Items | $-414,000,000 | $-24,000,000 | $98,000,000 | $1,733,000,000 |
| Stock Based Compensation | $120,000,000 | $97,000,000 | $87,000,000 | $84,000,000 |
| Deferred Tax | $-82,000,000 | $-177,000,000 | $-242,000,000 | $57,000,000 |
| Deferred Income Tax | $-82,000,000 | $-177,000,000 | $-242,000,000 | $57,000,000 |
| Depreciation Amortization Depletion | $478,000,000 | $498,000,000 | $478,000,000 | $565,000,000 |
| Depreciation And Amortization | $478,000,000 | $498,000,000 | $478,000,000 | $565,000,000 |
| Depreciation | $478,000,000 | $498,000,000 | $478,000,000 | $565,000,000 |
| Net Income From Continuing Operations | $1,831,000,000 | $1,509,000,000 | $1,608,000,000 | $2,073,000,000 |
| Income Tax Paid Supplemental Data | - | $208,000,000 | $375,000,000 | $183,000,000 |
| Net Business Purchase And Sale | - | $0 | $0 | $-255,000,000 |
| Purchase Of Business | - | $0 | $0 | $-255,000,000 |
| Short Term Debt Payments | - | - | - | $-95,000,000 |
Fetched: 2026-07-08