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Citizens Financial Group

NYSE: CFG

Stock price

65.27 USD

(+29.8%) 5 years

Regional BanksBanks - Regional

Financial Performance

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5Y price score: 43

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The price score is a basic measure of the stock's performance against the S&P 500 Index over a five-year period.

A score of 100 indicates that the stock did as well as the S&P 500 Index.

A score below 100 means the stock underperformed the index, while a score above 100 means it outperformed the S&P 500.

10Y return: 202.4%

DATE RANGE:

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  • Free cash flow per share

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49.0

52-week range

75.3

65.265

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Required return / cost of capital
%
FCFF terminal growth rate
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Your fair value & Margin of safety

To calculate fair value based on cost of capital and terminal growth assumptions above, please select free cash flow forecast.

Forecast:

Valuation

Free Cash Flow Yield

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FCF Yield TTM = Trailing Twelve Months free cash flow per share / current market price per shareLearn more

2.5 %

Dividend Yield TTM

2.8 %

Market cap $

$ 27,488

Price / Earnings TTM

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P/E TTM = current market price per share / Trailing Twelve Months diluted earnings per shareLearn more

13.2

Price / Book TTM

1.1

PEG TTM

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Price/Earnings-to-Growth ratio = P/E TTM divided by most recent annual diluted earnings per share growth rateLearn more

0.5

Earnings growth and return

LTM

5YR

10YR

Total return (price & dividends)

32.3 %

46.2 %

202.4 %

Free cash flow per share growth

(56.7) %

28,711.2 %

170.7 %

Earnings per share growth

34.3 %

73.9 %

149 %

Founded: 1,828

Employees: 17,315

Business Summary: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 segmented into two primary divisions: Consumer Banking and Commercial Banking. The Consumer Banking division delivers a robust array of products, encompassing deposit accounts, mortgage and home equity lending, credit cards, and business loans for smaller entities. It also provides wealth management, investment services, and specialized financing for areas like auto, education, and point-of-sale purchases, alongside digital deposit solutions. Clients engage with this segment through contact centers and its advanced online and mobile banking platforms. Conversely, the Commercial Banking segment provides sophisticated financial solutions designed for corporate and institutional clients. These include a wide range of lending and leasing products, treasury and deposit management services, foreign exchange, and risk mitigation tools for interest rates and commodities. Additionally, it offers syndicated loans, corporate finance advice, merger and acquisition (M&A) assistance, and capital markets services for debt and equity. Its client roster spans numerous industries, such as government, non-profit, healthcare, technology, professional services, energy (oil and gas), asset and franchise finance, asset-based lending, commercial real estate, private equity, and sponsor finance. The company boasts a substantial physical presence, operating approximately 1,200 branches across 14 states and the District of Columbia. Complementing these are 114 non-branch retail and commercial offices in key national markets and a network of roughly 3,300 automated teller machines. Founded in 1828, Citizens Financial Group, Inc. is headquartered in Providence, Rhode Island. It adopted its current name in April 2014, having previously operated as RBS Citizens Financial Group, Inc.

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Fair Value Reference Estimate

Latest Earnings Call Takeaways

2026 Q3 (Oct 16, 2026)

1) Strong Financial Performance - EPS growth of 34% YoY and 8.5% sequentially, reaching $1.41. - ROTCE improved to 15.1%, up from 13.9% in Q2. - Record total revenues driven by NII growth of 13% YoY and 2.7% sequentially. - NIM increased by 2 basis points to 3.19%, with expectations for further expansion in Q4.

2) Operational Highlights and Strategic Initiatives - Positive operating leverage of 5.3% YoY and 1.8% sequentially. - Strong performance in the private bank, with deposits reaching $18.5 billion and loans increasing by $2 billion. - Continued investment in technology and cybersecurity, alongside the Reimagine the Bank initiative, targeting $225 million in annualized pretax benefits by the end of 2027. - Strong M&A pipeline, with capital markets fees expected to rise in Q4.

3) Challenges and Market Conditions - Slight decline in fee income due to volatile capital markets, with some deals pushed to Q4. - Loans and deposits remained flat, attributed to seasonal factors and prior loan pull-forward. - Credit metrics remain stable, with net charge-offs at 37 basis points and no significant stress observed across loan portfolios.

4) Future Guidance and Outlook - Q4 guidance includes a 2.5% to 3% increase in NII, driven by continued margin expansion. - Noninterest income expected to rise by 4% to 5%, led by capital markets and wealth management. - Anticipated expenses to increase by 1%, maintaining a positive operating leverage outlook for the full year. - Long-term ROTCE target remains at 16% to 18% by the end of 2027.

5) Missing Information - The transcript lacks specific figures on the impact of potential future interest rate hikes on deposit costs and the exact trajectory of deposit growth.

Bottom line: Citizens Financial Group is demonstrating robust financial health with strong earnings growth and strategic initiatives in place, positioning itself well for continued success despite some market challenges. Shareholders can expect solid returns and a positive outlook for the upcoming quarters.

Annual Reports, Presentations And IR Contacts

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Annual report links (10K)
2025202420232022202120202019201820172016

Citizens Financial Group — Financial Overview, Stock Price, Market Cap

Citizens Financial Group is a company. Founded in 1828. As of October 23, 2026, the company's market capitalization is $27488116905 with a current stock price of $65.27.