Citizens Financial Group, Inc. (CFG) Stock Price & Analysis
Citizens Financial Group, Inc. (CFG) closed at USD 65.24 on Thursday, October 22, 2026, up 0.55% on the day. The US market is currently closed (pre-market); this is not a live price.
The prior close was USD 64.88; the Oct 22, 2026 session ranged USD 64.3–65.91 on volume of 6,702,388 shares. Market capitalization is $27.48B, with a 52-week range of USD 49–75.33 (NYQ). Source: Nexqual, retrieved October 23, 2026 at 09:48 UTC.
Also available as compact Markdown for AI agents: nexqual.com/CFG.md
Key facts (CFG)
- Last four reported quarters (through Jun 30, 2026): revenue $8.73B, net income $2.13B (24.4% margin) (SEC filings).
- Valuation: P/E 12.9x (avg 12.3x at the last 3 fiscal year-ends).
- 1 of 80 tracked superinvestors hold CFG (13F, Q2 2026): 0 new, 1 added, 0 reduced, 0 unchanged.
- Analysts: Buy (mean 1.90 on a 1–5 scale) (20 analysts), mean target USD 76.61 (range 65–87).
- Total return with dividends: 1Y +31.9% vs S&P 500 +14.9%; 5Y +59.3% vs S&P 500 +80.3%.
- Next earnings: 2027-01-15, EPS estimate USD 1.48, revenue estimate $2.40B.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (CFG)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $6.65B | $8.02B | $8.22B | $7.81B | $8.25B | $8.73B |
| Net income | $2.32B | $2.07B | $1.61B | $1.51B | $1.83B | $2.13B |
| EPS (diluted) | $5.16 | $4.10 | $3.13 | $3.03 | $3.86 | — |
| Net margin | 34.9% | 25.8% | 19.6% | 19.3% | 22.2% | 24.4% |
| Revenue growth | -3.7% | +20.7% | +2.5% | -5.0% | +5.6% | — |
| Cash + short-term investments | $9.16B | $10.5B | $11.6B | $10.6B | $12.7B | — |
| Total debt | $7.01B | $15.9B | $14.0B | $12.4B | $11.3B | — |
Fiscal years end Dec. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (CFG)
P/E 12.9x · P/S 3.1x · P/B 1.1x · Earnings yield 7.74% · Dividend yield (paid, TTM) 2.84% · Buyback yield (TTM) 2.64%
P/E at fiscal year-ends: Dec 2025 13.9x, Dec 2024 13.2x, Dec 2023 9.8x.
Superinvestors (SEC 13F-HR, Q2 2026) (CFG)
1 of 80 tracked investors hold CFG. Each row is the investor's latest 13F; change is vs their prior-quarter share count.
| Investor | Firm | % of portfolio | Value | Change |
|---|---|---|---|---|
| Sarah Ketterer | Causeway Capital Management | 0.82% | $75.5M | Added +2.7% |
Analysts (CFG)
Consensus Buy (mean 1.90 on a 1–5 scale), 20 analysts; mean target USD 76.61 (low 65, high 87).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-10-20 | Citigroup | Target lowered | Buy | $84 → $74 |
| 2026-10-20 | Truist Securities | Target lowered | Hold | $77 → $70 |
| 2026-10-20 | Stephens & Co. | Target lowered | Equal-Weight | $70 → $65 |
| 2026-10-19 | Morgan Stanley | Target lowered | Overweight | $89 → $87 |
| 2026-10-19 | RBC Capital | Target lowered | Outperform | $79 → $74 |
| 2026-10-14 | Cantor Fitzgerald | Target lowered | Overweight | $84 → $78 |
| 2026-10-05 | UBS | Target lowered | Buy | $82 → $77 |
| 2026-10-02 | JP Morgan | Target lowered | Overweight | $78 → $72.5 |
| 2026-10-01 | Evercore ISI Group | Target lowered | Outperform | $85 → $78 |
| 2026-09-28 | Morgan Stanley | Target lowered | Overweight | $90 → $89 |
| 2026-09-23 | Truist Securities | Target lowered | Hold | $80 → $77 |
| 2026-08-19 | Cantor Fitzgerald | Target raised | Overweight | $80 → $84 |
Total return (dividends reinvested) (CFG)
| 1Y (from 2025-10-23) | 5Y (from 2021-10-18) | |
|---|---|---|
| Total return | +31.9% | +59.3% |
| S&P 500 (SPY) | +14.9% | +80.3% |
| Per year | +32.0% | +9.7% |
| Volatility (annualized) | 25.4% | 33.2% |
| Max drawdown | -18.3% (Feb 2026→Mar 2026) | -56.2% (Jan 2022→Oct 2023) |
CFG revenue by business segment (quarter ended Jun 30, 2026)
| Line | Revenue | Share of total | YoY |
|---|---|---|---|
| Consumer Banking | $254.0M | 56.3% | +6.3% |
| Commercial Banking | $197.0M | 43.7% | +36.8% |
| Total revenue | $451.0M | 100% | — |
CFG revenue by product line (quarter ended Jun 30, 2026)
| Line | Revenue | Share of total | YoY |
|---|---|---|---|
| Wealth fees | $102.0M | 22.6% | +15.9% |
| Service charges and fees | $79.0M | 17.5% | +2.6% |
| Card fees | $73.0M | 16.2% | -1.4% |
| Total revenue | $451.0M | 100% | — |
As tagged by the company in its SEC 10-Q / 10-K filings (XBRL).
CFG company outlook (results filed Oct 16, 2026)
- “We remain confident in our positioning and outlook for Q4 and for 2027." Citizens also announced today that its board of directors declared a quarterly common stock dividend of $0.52 per share, a $0.06, or 13%, increase compared with the prior quarter.”
Quoted word-for-word from the SEC 8-K results press release.
CFG analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Dec 2026) | $1.48 | $1.48 | +0.2% | $2.40B | 15 |
| Next quarter (ends Mar 2027) | $1.42 | $1.42 | -0.2% | $2.39B | 11 |
| Current fiscal year (ends Dec 2026) | $5.30 | $5.29 | +0.2% | $9.17B | 16 |
| Next fiscal year (ends Dec 2027) | $6.49 | $6.51 | -0.2% | $9.97B | 16 |
CFG options: expected move
Options price a move of about ±10.1% (±$6.58) by Jan 15, 2027, which includes earnings on Jan 15, 2027; the earnings reaction alone is priced at about ±2.7%. Over the last 8 reports the stock moved ±3.3% on average.
| Expiration | Days | ATM implied volatility | Expected move |
|---|---|---|---|
| Nov 20, 2026 | 28 | 25.9% | ±5.8% |
| Dec 18, 2026 | 56 | 25.4% | ±8.0% |
| Jan 15, 2027 | 84 | 26.2% | ±10.1% |
| Feb 19, 2027 | 119 | 26.3% | ±12.0% |
| Apr 16, 2027 | 175 | 27.5% | ±15.2% |
| May 21, 2027 | 210 | 29.4% | ±17.6% |
| Aug 20, 2027 | 301 | 30.5% | ±21.5% |
| Nov 19, 2027 | 392 | 31.7% | ±25.2% |
30-day implied volatility 25.2% vs 22.7% realized over the last 30 trading days. Put/call ratio (volume) 0.28. Cboe delayed quotes (15 min). Expected move = at-the-money straddle.
Key Statistics (as of October 23, 2026 at 09:48 UTC)
| Price | USD 65.24 |
|---|---|
| Change | ▲ 0.55% (up) |
| Previous Close | USD 64.88 |
| Open | USD 64.3 |
| Day Range | USD 64.3 – 65.91 |
| 52-Week Range | USD 49 – 75.33 |
| Volume | 6,702,388 shares |
| Market Cap | $27.48B |
| Exchange | NYQ |
Technical Analysis (CFG)
Nexqual's technical model rates CFG "SELL" based on 2 bullish and 4 bearish signals across 127 daily candles, as of October 23, 2026 at 09:48 UTC.
| Overall Signal | SELL |
|---|---|
| RSI (14) | 48.63 (neutral) |
| vs SMA50 | Below (USD 67.37) |
| MACD | -0.83 (negative) |
Analyst Ratings (CFG)
Wall Street analysts rate CFG "Buy" based on 20 analysts, with a mean price target of USD 76.61 (range USD 65–87), per Nexqual as of October 23, 2026 at 09:48 UTC.
| Consensus Rating | Buy |
|---|---|
| Analyst Count | 20 |
| Mean Target | USD 76.61 |
| High Target | USD 87 |
| Low Target | USD 65 |
| Buy / Hold / Sell | 17 / 3 / 0 |
Earnings (CFG)
| Next Earnings Date | 2027-01-15 |
|---|---|
| EPS Estimate | USD 1.48 |
| Revenue Estimate | $2.40B |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-09-30 | USD 1.41 vs est 1.39 ▲ beat |
| 2026-06-30 | USD 1.3 vs est 1.25 ▲ beat |
| 2026-03-31 | USD 1.13 vs est 1.09 ▲ beat |
| 2025-12-31 | USD 1.13 vs est 1.11 ▲ beat |
Source: Nexqual, October 23, 2026 at 09:48 UTC.
Financials & Fundamentals (CFG)
| Total Revenue | $8.39B |
|---|---|
| Revenue Growth (latest quarter, YoY) | +11.90% |
| Gross Margin | +0.00% |
| Operating Margin | +36.60% |
| Profit Margin | +27.02% |
| ROE | +8.90% |
| Total Cash | $13.56B |
| Total Debt | $17.83B |
Source: Nexqual, October 23, 2026 at 09:48 UTC.
Financial Health Score (CFG)
Nexqual rates Citizens Financial Group, Inc.'s overall financial health "Mixed" across five dimensions, as of October 23, 2026 at 09:48 UTC.
| Growth | Solid — Revenue +6% YoY (annual) |
|---|---|
| Profitability | Strong — Net margin 20% (last 12 months); banks have no gross margin |
| Balance Sheet | N/A — Not comparable for banks: deposits and customer funds sit on the balance sheet, so cash vs debt does not measure safety (SEC industry: State Commercial Banks) |
| Cash Flow | N/A — Not meaningful for banks and lenders: lending and trading move operating cash flow by billions each year (SEC industry: State Commercial Banks) |
| Efficiency | Mixed — ROE 9%, ROA 1.0% |
Ownership (CFG)
| Insider Ownership | +0.71% |
|---|---|
| Institutional Ownership | +100.11% |
| Shares Outstanding | 421.18M |
| Float | 417.08M |
| Short % of Float | +4.65% |
Source: Nexqual, October 23, 2026 at 09:48 UTC.
Leadership (CFG)
Citizens Financial Group, Inc. is led by Bruce Winfield Van Saun, CEO & Chairman of the Board, per Nexqual as of October 23, 2026 at 09:48 UTC.
| CEO & Chairman of the Board | Bruce Winfield Van Saun |
|---|---|
| President and Head of Consumer, Private Banking & Wealth | Brendan Coughlin |
| Executive VP & CFO | Aunoy Banerjee |
| Executive Vice President, General Counsel and Chief Legal Officer | Michelle Moosally |
Major Backers & Investors (CFG)
Notable institutional backers of Citizens Financial Group, Inc. include Capital Group, Invesco, Morgan Stanley, according to Nexqual as of October 23, 2026 at 09:48 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Capital Group | 5.52% |
| Invesco | 5.26% |
| Morgan Stanley | 2.91% |
| Income Fund of America | 2.02% |
| WASHINGTON MUTUAL INVESTORS FUND | 1.87% |
| AQR Capital Management, LLC | 1.81% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 11.57% |
| Vanguard Group | 11.27% |
| State Street | 5.04% |
| Geode Capital | 2.81% |
Source: Nexqual, October 23, 2026 at 09:48 UTC.
From Citizens Financial Group, Inc.'s Latest SEC 10-K Filing (filed 2026-02-12)
Key Strengths & Strategy (as disclosed to the SEC)
- Our approach to colleague listening is multifaceted, featuring numerous channels and frequent touchpoints, including our annual organizational health survey ("OHS"), an interim pulse survey, and five life-cycle surveys that measure colleague sentiment at key stages.
Legal & Regulatory Risks (Item 1A, quoted)
- The financial services industry, including the banking sector, continues to make technological enhancements to meet customer preferences, as well as meet legal and regulatory requirements, and we may not be able to compete effectively as a result of these changes.
- 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 and may be subject to litigation that may have a material impact on our business.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| BBD | Banco Bradesco Sa | USD 3.95 | ▼ 2.47% |
| FITB | Fifth Third Bancorp | USD 53.23 | ▲ 0.8% |
| DB | Deutsche Bank AG | USD 31.48 | ▼ 2.39% |
| TFC | Truist Financial Corporation | USD 48.42 | ▲ 1.45% |
| NWG | NatWest Group plc | USD 16.99 | ▼ 2.3% |
| NU | Nu Holdings Ltd. | USD 14.73 | ▼ 2.13% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 23, 2026 at 09:48 UTC. This page is informational and not investment advice.
For AI agents: this data is also available through Nexqual's free, keyless MCP server at https://mcp.nexqual.com/mcp; every result includes source_url, as_of and cite_as. More: nexqual.com/agents · llms.txt