Citizens Financial (CFG) stock
Financials · Regional Banks
Citizens Financial (CFG) is a Regional Banks company in the Financials sector, headquartered in Providence, Rhode Island. As of October 23, 2026, CFG closed at $65.14, a market capitalization of $27.44 billion, the 338th largest company in the S&P 500. Over the last twelve months it generated $8.39 billion in revenue (+12% year over year) and $2.35 billion in free cash flow. The stock trades at 14.2x trailing earnings and 10.0x forward earnings.
- 1-year total return: +31.7% (dividends reinvested)
- 5-year return: +9.7% a year
- 52-week range: $49.00 – $75.33
- Gross margin 0.0%, operating margin 36.6%
- Dividend yield: 3.19%, 1 straight years of increases
- FI Handbook report card: B- across 9 metrics
- 55th largest of 76 Financials stocks in the S&P 500
CFG price chart
1Y price change: +27.8% (price only; total returns below include dividends)
| Total return | 1M | YTD | 1Y | 3Y | 5Y | 10Y | MAX |
|---|---|---|---|---|---|---|---|
| CFG | +0.8% | +13.8% | +31.7% | +46.1% | +9.7% | +13.8% | +12.7% |
Dividends reinvested. 3Y and longer are annualized; MAX is annualized since 2014.
CFG key statistics
- Market cap
- $27.4B
- #338 in S&P 500
- P/E (TTM)
- 14.2x
- Forward P/E
- 10.0x
- EPS (TTM)
- $4.59
- Revenue (TTM)
- $8.4B
- +12%
- Free cash flow
- $2.4B
- Gross margin
- 0.0%
- Operating margin
- 36.6%
- Return on equity
- 8.9%
- Dividend yield
- 3.19%
- 52-week range
- $49.00 – $75.33
- Beta
- 1.06
- Price / sales
- 3.3x
- EV / EBITDA
- —
- Debt / equity
- —
- Employees
- 17,609
CFG report card
B-Ten fundamentals graded A to F against fixed thresholds. Not a buy or sell rating.
- Revenue growth11.9%B
- Gross margin0.0%F
- Operating margin36.6%A
- FCF margin28.0%A
- Return on equity8.9%D
- Net debt / EBITDA——
- Forward P/E10.0xA
- PEG ratio1.6xC
- Shareholder yield5.4%A
- Share count change / yr0.4%C
Citizens Financial financials
Revenue went from $5.3B in fiscal 2016 to $1.6B in fiscal 2025, shrinking 12.2% a year.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $5.3B | $5.7B | $1.1B | $1.2B | $1.1B | $1.3B | $1.3B | $1.3B | $1.5B | $1.6B |
| Net income | $1.0B | $1.7B | $1.7B | $1.8B | $1.1B | $2.3B | $2.1B | $1.6B | $1.5B | $1.8B |
| EPS (diluted) | $1.97 | $3.25 | $3.52 | $3.81 | $2.22 | $5.16 | $4.10 | $3.13 | $3.03 | $3.86 |
| Free cash flow | $1.4B | $1.6B | $1.5B | $1.6B | — | — | — | — | — | — |
| Buybacks | $430.0M | $820.0M | $1.0B | $1.2B | $270.0M | $295.0M | $153.0M | $906.0M | $1.1B | $600.0M |
| Dividends paid | $241.0M | $322.0M | $471.0M | $617.0M | $672.0M | $670.0M | $779.0M | $808.0M | $769.0M | $755.0M |
| Diluted shares | 523.9M | 503.7M | 480.4M | 451.2M | 428.2M | 427.4M | 477.8M | 476.7M | 453.5M | 436.9M |
Source: SEC filings (10-K XBRL). EPS and share counts are split-adjusted.
What's priced into CFG?
A reverse DCF asks what growth the current price requires. With an enterprise value of $31.7B and $2.4B of trailing free cash flow, Citizens Financial needs to grow free cash flow about 0.9% a year for ten years (fading to 3.0% terminal growth) to earn a 10% annual return. For context, free cash flow grew 4.7% a year over the last five years.
P/E ratio history
Current 16.9x vs. median 13.5x (10th–90th percentile 6.9x–20.9x).
A model, not a forecast or advice. Small changes in assumptions move the answer a lot.
CFG dividend
- Dividend yield
- 3.19%
- Annual dividend
- $2.08
- Years of increases
- 1
- 5-yr dividend growth
- 2.0%
- per year
- Payout ratio
- 39%
- Payments per year
- 4
Regular dividends per share by calendar year; special dividends excluded. Current year omitted until complete.
CFG analyst price targets
19 analysts' average 12-month target is $76.61 (+18% vs. $65.14). Targets range from $65.00 to $87.00. 85% rate it a buy.
CFG earnings
Next report: January 15, 2027. Citizens Financial has beaten EPS estimates 8 quarters in a row.
| Report date | EPS estimate | EPS actual | Surprise |
|---|---|---|---|
| Oct 16, 2026 | $1.39 | $1.41 | +1.7% |
| Jul 16, 2026 | $1.25 | $1.30 | +4.4% |
| Apr 16, 2026 | $1.09 | $1.13 | +3.7% |
| Jan 21, 2026 | $1.11 | $1.13 | +2.2% |
| Oct 15, 2025 | $1.03 | $1.05 | +2.3% |
| Jul 17, 2025 | $0.88 | $0.92 | +4.1% |
| Apr 16, 2025 | $0.75 | $0.77 | +2.7% |
| Jan 17, 2025 | $0.83 | $0.85 | +2.3% |
Stocks like CFG
| Name | Today | 1Y | Mkt cap | P/E | |
|---|---|---|---|---|---|
 FITB Fifth Third Bancorp | -0.47% | +30% | $48.0B | 17.8x | Compare |
 MTB M&T Bank | -0.53% | +26% | $32.0B | 11.7x | Compare |
 HBAN Huntington Bancshares Incorpora | +0.45% | +3% | $31.8B | 12.1x | Compare |
 RF Regions Financial | +0.25% | +23% | $24.3B | 11.2x | Compare |
 KEY KeyCorp | -0.61% | +25% | $22.5B | 12.3x | Compare |
 BRK-B Berkshire Hathaway | -0.87% | +11% | $1.2T | 13.6x | Compare |
 JPM JP Morgan Chase | -1.47% | +15% | $880.5B | 13.9x | Compare |
 V Visa | -1.55% | +19% | $765.8B | 34.7x | Compare |
CFG news
- This Bank Stock Just Raised Its Dividend by 13% · Oct 21, 2026
- CFG Q3 Deep Dive: Private Bank Growth and Deposit Discipline Offset Mixed Fee Trends · Oct 19, 2026
- 5 Insightful Analyst Questions From Citizens Financial Group’s Q3 Earnings Call · Oct 19, 2026
- Citizens Financial: 3 Key Takeaways for Long-Term Investors · Oct 18, 2026
- Citizens Financial Group (CFG) Stock Ignores Record Q3 Earnings Momentum · Oct 18, 2026
CFG stock FAQ
What is CFG's market cap?
Citizens Financial's market capitalization is $27.44 billion as of October 23, 2026, ranking 338th in the S&P 500.
What is CFG's P/E ratio?
CFG trades at a trailing price-to-earnings ratio of 14.2x and a forward P/E of 10.0x. Its median P/E over the period we track is 13.5x.
Does CFG pay a dividend?
Yes. Citizens Financial pays $2.08 per share a year, a 3.19% yield. It has raised its dividend 1 years in a row. Dividends grew 2.0% a year over the last five years.
How much has CFG stock returned?
Including reinvested dividends, CFG returned +31.7% over one year, +9.7% a year over five years, +13.8% a year over ten years through October 23, 2026.
Is CFG stock overvalued?
At today's price, a reverse discounted cash flow model (10% discount rate, 3% terminal growth) implies Citizens Financial must grow free cash flow about 1% a year for the next decade. Its free cash flow grew 5% a year over the last five years. Whether that is achievable decides if the stock is cheap or expensive. This is a model, not advice.
What is the CFG price target?
19 analysts cover CFG with an average 12-month price target of $76.61, +18% from the current price. 85% of them rate it a buy.
When does CFG report earnings?
Citizens Financial is expected to report earnings on January 15, 2027. It has beaten EPS estimates 8 quarters in a row.
How many employees does Citizens Financial have?
Citizens Financial has about 17,609 full-time employees, or $476,688 of revenue per employee.
Sources: SEC EDGAR filings, Yahoo Finance market data (delayed), FI Handbook calculations. Last close October 23, 2026. Methodology