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CFGCitizens Financial Group, Inc.
$72.11$30.5B
Overview & Verdict
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CFG logoCitizens Financial Group, Inc.(CFG)Earnings, Financials & Key Ratios

CFG•NYSE•Banking & Credit
$72.11
18.7× P/E·Price updated Jul 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutCitizens Financial Group, Inc. operates as the bank holding company for Citizens Bank, National Association that provides retail and commercial banking products and services to individuals, small businesses, middle-market companies, corporations, and institutions in the United States. The company operates in two segments, Consumer Banking and Commercial Banking. The Consumer Banking segment offers deposit products, mortgage and home equity lending products, credit cards, business loans, wealth management, and investment services; and auto, 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. This segment serves government banking, not-for-profit, healthcare, technology, professionals, oil and gas, asset finance, franchise finance, asset-based lending, commercial real estate, private equity, and sponsor finance industries. It operates approximately 1,200 branches in 14 states and the District of Columbia; 114 retail and commercial non-branch offices in national markets; and approximately 3,300 automated teller machines. 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.Show more
  • Net Interest Income$5.85B+3.9%
  • Total Revenue$11.15B-9.7%
  • Net Income$1.83B+21.3%
  • Return on Equity7.24%+16.6%
  • Net Interest Margin2.59%-0.1%
  • Efficiency Ratio48.87%+15.6%
  • ROA0.83%+20.1%
  • Equity / Assets11.63%+4.3%
  • Book Value per Share60.43+13.0%

CFG Price & Volume

Citizens Financial Group, Inc. (CFG) stock price & volume — 10-year historical chart

Loading chart...

NII Recovery Faces Persistent Margin Stagnation Risks

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Accelerating
Profitability:Moderate
Financial:Healthy
Cash Flow:Mixed
Primary Risk:NIM compression and provisioning

Key Thesis Takeaways

  • Citizens Financial Group is demonstrating a nascent recovery in top-line performance, evidenced by a 12.3% NII growth rate in 2026Q1, though this is tempered by a stubbornly flat 0.7% net interest margin.
  • While the bank maintains a stable capital position with an equity-to-assets ratio of 0.11, investors should remain cautious regarding the extreme volatility in credit provisioning, which saw a $909 million negative adjustment in 2025Q4.
  • Future performance hinges on the bank's ability to sustain its shift toward fee-based income, which reached 20.0% of total revenue in 2026Q1, while navigating the noise created by non-recurring accounting items.

Verdict Logic

while the 12.3% NII growth in 2026Q1 is encouraging, the persistent 0.7% NIM and extreme provisioning volatility suggest that the bank's underlying profitability remains difficult to forecast.

CFG Growth Metrics

Citizens Financial Group, Inc. (CFG) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years7.77%
5 Years7.75%
3 Years7.12%
TTM-

Profit CAGR

10 Years8.1%
5 Years11.62%
3 Years-4.05%
TTM27.58%

EPS CAGR

10 Years9.55%
5 Years11.7%
3 Years-1.99%
TTM34.39%

Return on Capital

10 Years5.48%
5 Years5.93%
3 Years4.84%
Last Year5.56%

CFG Recent Earnings

Citizens Financial Group, Inc. (CFG) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 6/12 qtrs (50%)●Beat Revenue 7/12 qtrs (58%)
Q2 2026Latest
Apr 16, 2026
Metric
Actual
Est
EPS
$1.13+3.7%
$1.09
Rev
$2.2B+0.2%
$2.2B
Q1 2026
Jan 21, 2026
Metric
Actual
Est
EPS
$1.13+2.7%
$1.10
Rev
$2.2B+0.3%
$2.2B
Q4 2025
Oct 15, 2025
Metric
Actual
Est
EPS
$1.05+1.9%
$1.03
Rev
$2.1B+0.9%
$2.1B
Q3 2025
Jul 17, 2025
Metric
Actual
Est
EPS
$0.92+4.2%
$0.88
Rev
$2.0B+1.4%
$2.0B
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 16, 2026
$1.13vs $1.09+3.7%
$2.2Bvs $2.2B+0.2%
Q1 2026Jan 21, 2026
$1.13vs $1.10+2.7%
$2.2Bvs $2.2B+0.3%
Q4 2025Oct 15, 2025
$1.05vs $1.03+1.9%
$2.1Bvs $2.1B+0.9%
Q3 2025Jul 17, 2025
$0.92vs $0.88+4.2%
$2.0Bvs $2.0B+1.4%
Based on last 12 quarters of dataView full earnings history →

Latest CFG News

Recent stock market news and headlines for Citizens Financial Group, Inc. (CFG)

Zacks Investment Research·Jun 25, 2026
CFG vs. CBC: Which Stock Is the Better Value Option?

Investors looking for stocks in the Banks - Northeast sector might want to consider either Citizens Financial Group (CFG) or Central Bancompany (CBC). But which of these two stocks presents investors with the better value opportunity right now?

Zacks Investment Research·Jun 25, 2026
Citizens Financial Group, Inc. (CFG) Hit a 52 Week High, Can the Run Continue?

Citizens Financial Group (CFG) is at a 52-week high, but can investors hope for more gains in the future? We take a look at the company's fundamentals for clues.

Business Wire·Jun 24, 2026
Citizens Named Presenting Sponsor of Boston Harborfest, Boston's Official Fourth of July Celebration

BOSTON--(BUSINESS WIRE)--Boston Harborfest today proudly announced that Citizens will serve as the new Presenting Sponsor of Boston Harborfest, one of the country's largest and most cherished Independence Day festivals. The partnership brings together two organizations deeply rooted in the region with a shared commitment to community, civic pride, and celebrating the rich history and culture of Boston, ahead of America's 250th anniversary. The 44th Boston Harborfest will celebrate Boston's mari.

Benzinga·Jun 24, 2026
Apple, Citizens Financial, Travelers And A Financial Stock On CNBC's ‘Final Trades'

On CNBC's “Halftime Report Final Trades,” Joshua Brown, co-founder and CEO of Ritholtz Wealth Management, named Citizens Financial Group, Inc. (NYSE:CFG) as his final trade.

Zacks Investment Research·Jun 17, 2026
Why Citizens Financial Group (CFG) is a Top Value Stock for the Long-Term

The Zacks Style Scores offers investors a way to easily find top-rated stocks based on their investing style. Here's why you should take advantage.

Peers Comparison

Key metrics vs top competitors for Citizens Financial Group, Inc. (CFG)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
CFG logoCFGCitizens Financial Group, Inc.Current
$72.11$30.49B18.68-9.71%16.42%7.24%2.4%
RF logoRFRegions Financial Corporation
$30.48$26.01B13.312.51%23.13%11.75%—
HBAN logoHBANHuntington Bancshares Incorporated
$17.89$36.27B12.874.38%16.63%8.81%—
KEY logoKEYKeyCorp
$23.43$25.4B15.4123.56%17.35%9.74%—
MTB logoMTBM&T Bank Corporation
$239.92$35.14B14.11-8.18%23.71%10.25%—
FITB logoFITBFifth Third Bancorp
$57.89$52.47B16.35-1.4%15.91%8.86%—

Compare CFG vs Peers

Citizens Financial Group, Inc. (CFG) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs RF

Most directly comparable listed peer for CFG.

Scale Benchmark

vs V

Larger-name benchmark to compare CFG against a more recognizable public peer.

Peer Set

Compare Top 5

vs RF, HBAN, KEY, MTB

CFG SEC Filings & Documents

Citizens Financial Group, Inc. (CFG) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 24, 2026·SEC

Material company update

Apr 16, 2026·SEC

Material company update

Jan 29, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 12, 2026·SEC

FY 2025

Feb 13, 2025·SEC

10-Q Quarterly Reports

5
FY 2026

May 4, 2026·SEC

FY 2025

Nov 3, 2025·SEC

FY 2025

Aug 4, 2025·SEC

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CFG Frequently Asked Questions

Citizens Financial Group, Inc. (CFG) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Citizens Financial Group, Inc. growing?

Citizens Financial Group, Inc. (CFG) saw revenue decline by 9.7% over the past year.

Is CFG profitable?

Yes, Citizens Financial Group, Inc. (CFG) is profitable, generating $1.98B in net income for fiscal year 2025 (16.4% net margin).

Dividend & Returns
Does CFG pay dividends?

Yes, Citizens Financial Group, Inc. (CFG) pays a dividend with a yield of 2.40%. This makes it attractive for income-focused investors.

What is CFG's return on equity?

Citizens Financial Group, Inc. (CFG) has a return on equity (ROE) of 7.2%. This is below average, suggesting room for improvement.

Industry Metrics
What is Citizens Financial Group, Inc.'s net interest margin?

Citizens Financial Group, Inc. (CFG) has a net interest margin (NIM) of 2.6%. NIM has been under pressure due to interest rate environment.

What is Citizens Financial Group, Inc.'s efficiency ratio?

Citizens Financial Group, Inc. (CFG) has an efficiency ratio of 48.9%. This is excellent, indicating strong cost control.

What if you invested $1,000 in CFG back in 2012?

Total return calculator · dividends reinvested · 14+ years of data

See returns →