Citizens Financial Group, Inc. (CFG) Stock: Price, Forecast & Analyst Target
Citizens Financial Group, Inc. (CFG) — MoonshotScore 68/100 (Strong band), calculated Oct 4, 2026. Price $64.33 (+0.99%), as of the Oct 2, 2026 trading session; market cap $27.2B. Expected results Oct 16, 2026.
Educational signal · not a buy or sell recommendation · How to read this
Citizens Financial Group, Inc. · CFG · NYSE · Financial Services · Banks - Regional
Research dated 2026-09-12: Citizens Financial Group is the holding company behind Citizens Bank, combining consumer deposits and lending with commercial finance, treasury services and capital-markets work. Recent profit momentum is encouraging, but its durability depends on continued margin expansion and earning-asset growth without a damaging turn in borrower performance.
Price as of Oct 2, 2026
Key Statistics
MoonshotScore v2 · Citizens Financial Group (CFG)
StrongWhy this rating? Method, drivers & history
Bands for the MoonshotScore: Exceptional 80-100 · Strong 65-79 · Fair 45-64 · Weak below 45.
- Business Quality — Is this a genuinely good business?
- Financial Safety — Could this blow up on me?
- Valuation — Am I paying a fair price?
- Growth Durability — Is the growth real and likely to last?
- Momentum — Is the market already moving on this?
Dirt-cheap, but a middling balance sheet. Business Quality: Solid; Financial Safety: Okay; Valuation: Cheap; Growth Durability: Growing; Momentum: Quiet.
- quarterly revenue $3.19B (Q2 FY2026, quarter ended Jun 2026)
- EPS beat 7 of 8
- expected results Oct 16, 2026
Helping: an attractive price
What has the MoonshotScore done over time?
| Recorded | Score | Band |
|---|---|---|
| 71 | Strong | |
| 69 | Strong | |
| 70 | Strong | |
| 70 | Strong | |
| 68 | Strong | |
| 68 | Strong |
The score was 68 in the stored Oct 3, 2026 snapshot and remains 68 in the current publication computed Oct 4, 2026 (0).
Calculation uses the most recent completed US trading session. Live price changes do not update the score immediately.
Computed · Educational signal · not a buy or sell recommendation · How the MoonshotScore is computed →
Price & valuation
| Measure | Value | As of |
|---|---|---|
| Latest provided price | $64.33 | |
| Change on the day | +0.99% | |
| 52-week range | $47.95 – $75.33 | |
| Market capitalisation | $27.2B | |
| Price / earnings (trailing) | 13.86 | |
| Shares traded on the day | 4.97M | |
| Beta (volatility vs the S&P 500) | 1 | |
| Dividends per share (last 12 months) | $1.84 | |
| Dividend yield (last 12 months) | 2.86% |
Price & events
Triangles mark reported quarters on the line: pointing up is above the recorded estimate, down is below, a diamond means no estimate on file or a dated event that is not a results report. Numbers key to the dated list. Point at or tab to any week for its close.
Events behind the price
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings call · management outlook
- · Earnings results · above the recorded estimate
Results dates follow the earnings feed; call dates follow the transcript provider. Nearby dates do not establish that an event caused a price move.
Upcoming events
Management outlook
We provide our outlook for the third quarter, which contemplates the Fed holding rates steady. We expect net interest income to be up in the range of 2.5%-3.5%, driven by continued expansion in net interest margin and earning asset growth.
Aunoy Banerjee · Statement from
Statement dates identify the earnings call, not a deadline. Management expectations and provider estimates can change.
Read management statementsOther perspectives
Council score for Citizens Financial Group (CFG): perspectives
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
5-Factor Breakdown
Legends Council
5 lenses, 0 current
AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Read on: Oct 2, 2026 · older than the 27 hours refresh window; not a current reading
Munger's Mindset
Balance Sheet & Valuation · historical
Read on: Sep 11, 2026 · older than the 27 hours refresh window; not a current reading
How to read these bars and different assessments
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
Bars show each model's ordered assessment on its own scale, not a probability or a comparable investment return. The adjacent words give the assessment; more filled segments indicate a stronger model reading.
On Sep 11, 2026, the Munger lens read the price at that time as fairly valued against its own estimate of value.
Readings on this page are from Oct 5, 2026, except a card that shows its own read date.
Watch the CFG film — every key number, told as a short cinematic story
~2 min · open the film
What is Citizens Financial Group (CFG), and what does it report?
Short answer · as of
Consumer Banking serves households and smaller businesses through deposits, mortgages, home-equity loans, cards, wealth services and specialized financing, while Commercial Banking serves corporate and institutional clients with lending, leasing, treasury, risk-management and advisory products.
Research dated 2026-09-12.
Consumer Banking serves households and smaller businesses through deposits, mortgages, home-equity loans, cards, wealth services and specialized financing, while Commercial Banking serves corporate and institutional clients with lending, leasing, treasury, risk-management and advisory products. Revenue therefore responds to loan and deposit activity, card and service usage, and demand for financing or capital-markets services.
The regional-bank label captures Citizens' branch franchise but not its full reach. Digital deposits, point-of-sale credit, sponsor finance, syndicated lending and corporate advice extend the business beyond conventional local banking; consolidated results measure the combined outcome rather than sales of a uniform product.
What do the latest results show for Citizens Financial Group (CFG)?
Short answer · as of
The most recent reported quarter, Q2 FY2026, carried revenue of $3.19B.
Research dated 2026-09-12.
The latest quarterly period extended the recovery in revenue, operating profit, net income and diluted earnings per share. Reported earnings and revenue also cleared prevailing estimates, continuing a favorable run, although the latest annual record was less straightforward: revenue declined while net income improved.
Management's forward explanation is specific rather than retrospective. Its outlook assumes steady Federal Reserve policy and expects net interest income to advance through wider net interest margin and growth in earning assets; that claim still needs confirmation in reported results.
What do the reported financial results show?
Reported revenue, net income and earnings per share from the income statement.
- Latest quarter · revenue
- $3.19B Jun 30, 2026
- Latest quarter · net income
- $587.00M Jun 30, 2026
- Latest quarter · EPS
- $1.3000 (diluted) Jun 30, 2026
| Period end | Revenue | Net income | EPS |
|---|---|---|---|
| Jun 30, 2026 | $3.19B | $587.00M | $1.3000 (diluted) |
| Mar 31, 2026 | $3.03B | $517.00M | $1.1300 (diluted) |
| Dec 31, 2025 | $2.16B | $528.00M | $1.1200 (diluted) |
| Sep 30, 2025 | $3.09B | $494.00M | $1.0500 (diluted) |
Revenue and net income are in USD; EPS is USD per share. Statement EPS is labelled diluted or basic only when its source identifies that basis. Otherwise, its basis is unknown.
Did results meet expectations?
Reported earnings and revenue alongside the estimates recorded by the provider.
- Latest report · revenue
- $2.28B Jul 16, 2026
- Latest report · revenue estimate
- $2.25B Jul 16, 2026
- Latest report · revenue vs estimate
- Above estimate Jul 16, 2026
- Latest report · EPS vs estimate
- Above estimate Jul 16, 2026
| Report date | Revenue · reported | Revenue · estimate | EPS · reported | EPS · estimate |
|---|---|---|---|---|
| Jul 16, 2026 | $2.28B | $2.25B | $1.3000 | $1.2400 |
| Apr 16, 2026 | $2.17B | $2.16B | $1.1300 | $1.0900 |
| Jan 21, 2026 | $2.16B | $2.15B | $1.1300 | $1.1000 |
| Oct 15, 2025 | $2.12B | $2.10B | $1.0500 | $1.0300 |
Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined.
Quarterly income statement — 4 quarters
| Period | Revenue | Net income | EPS |
|---|---|---|---|
| Q2 FY2026 | $3.19B | $587M | $1.30 (diluted) |
| Q1 FY2026 | $3.03B | $517M | $1.13 (diluted) |
| Q4 FY2025 | $2.16B | $528M | $1.12 (diluted) |
| Q3 FY2025 | $3.09B | $494M | $1.05 (diluted) |
What are the financial strengths and risks for Citizens Financial Group (CFG)?
Short answer · as of
The MoonshotScore pillars rate an attractive price as strengths.
Research dated 2026-09-12.
Profitability has strengthened, the latest operating cash flow was positive, and recent dividend payments were unchanged. Quarterly cash generation has nevertheless swung sharply between inflows and outflows, so the latest inflow should not be treated as a settled run rate.
Cash and short-term investments remain below total debt, while unclassified long-term investments account for most of the much larger reported cash-and-investment pool. For a bank, that pool is earning balance-sheet capacity rather than spare corporate cash; risk sits in the performance of exposures ranging from mortgages and specialized consumer credit to commercial real estate and sponsor finance. Margin compression, weaker earning-asset growth or borrower deterioration would challenge the earnings recovery.
What does the cash-flow statement report?
Dated cash-flow statement entries, using the provider’s reported classification.
- Latest quarter · operating cash flow
- $726.00M Jun 30, 2026
- Previous quarter · operating cash flow
- $237.00M Mar 31, 2026
| Period end | Operating cash flow | Capital expenditure (reported) |
|---|---|---|
| Jun 30, 2026 | $726.00M | −$21.00M |
| Mar 31, 2026 | $237.00M | $0.00 |
| Dec 31, 2025 | −$158.00M | −$92.00M |
| Sep 30, 2025 | $1.70B | −$35.00M |
Operating cash-flow bars share one scale and show magnitude; negative values mean cash used.
USD. Statement entries keep the provider’s reported sign. These financial-company figures are not used here to estimate cash runway, surplus cash, or business value.
What should you watch next at Citizens Financial Group (CFG)?
Short answer · as of
The next earnings report is expected on Oct 16, 2026.
Research dated 2026-09-12.
Net interest income, net interest margin and earning assets are the cleanest tests of management's stated outlook. Progress across those measures would support the current earnings trajectory; failure to deliver under the stated rate assumption would weaken the operating explanation.
The next release should also be checked for continued growth in operating profit and earnings per share, another comparison with prevailing revenue and earnings expectations, and steadier operating cash generation. Cash and short-term investments deserve separate attention after their sharp reset, without treating unclassified long-term investments as equivalent to immediately available cash.
What management is planning
Management expectations, not completed milestones or guarantees. Selected verbatim excerpts; dates follow the transcript provider.
We provide our outlook for the third quarter, which contemplates the Fed holding rates steady. We expect net interest income to be up in the range of 2.5%-3.5%, driven by continued expansion in net interest margin and earning asset growth.
Aunoy Banerjee ·
How does Citizens Financial Group compare with its peers?
Short answer
Citizens Financial Group's score ranks 3rd of 6 in the bounded comparison shown, against 5 same-model peers. These are company scores, not expected investment returns. The set lists named competitors first, then companies in the same data-provider industry classification closest in market value; that classification is the provider's, not our judgment of business similarity.
Research dated 2026-09-12.
Compared with a plain branch-led regional bank model, Citizens combines a substantial consumer franchise with national specialty finance, private wealth, corporate treasury, syndicated lending and capital-markets capabilities. Card fees and service charges provide visible fee streams, while advisory and financing activities broaden the opportunity set and add sensitivity to corporate transaction demand. The distinction is business mix, not geographic scale alone.
| Company | Price | Market value | Score |
|---|---|---|---|
| $57.51 Oct 2, 2026 | $89.6B | 89 5-pillar Oct 4, 2026 | |
| $219.17 Oct 2, 2026 | $31.8B | 77 5-pillar Oct 4, 2026 | |
| Citizens Financial Group (CFG) — this page | $64.33 | $27.2B | 68 |
| $50.87 Oct 2, 2026 | $46.1B | 66 5-pillar Oct 4, 2026 | |
| $15.33 Oct 2, 2026 | $31.0B | 66 5-pillar Oct 4, 2026 | |
| $221.03 Oct 2, 2026 | $88.2B | 65 5-pillar Oct 4, 2026 | |
| $91.91 Date unavailable | $21.8B | — Model unavailable | |
| $3.16 Date unavailable | $34.4B | — Model unavailable | |
| $78.03 Date unavailable | $36.9B | — Model unavailable | |
| $75.21 Date unavailable | $18.3B | — Model unavailable | |
| $17.68 Date unavailable | $9.80B | — Model unavailable | |
| $32.03 Date unavailable | $7.68B | — Model unavailable | |
| $47.04 Date unavailable | $6.48B | — Model unavailable |
Only 5-pillar scores are ranked together. Other models are not directly comparable. Price and score dates are shown separately; market-value dates are unavailable.
The records behind this page
Analyst targets & estimates
What analysts have on file
- Price target, low to high
- $70.00 – $90.00
- Consensus target
- $79.80
- Median target
- $79.00
Consensus record · Captured .
Measured against a quoted price of $64.33 (as of Oct 2, 2026).
Insider activity
Form 4 records via FMP · Of the newest 100 records, those within the last 180 days, newest dated Sep 1, 2026
- Transactions
- 39
- Identified insiders
- 15
- Purchases
- 0
- Sales
- 2
- Other transactions
- 37
Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent.
Who holds the shares?
Institutional ownership reported through 13F filings.
- Institutional ownership
- 98.1% Period end Jun 30, 2026
- Previous quarter · ownership
- 93.5% Prior to period end Jun 30, 2026
- Reporting holders
- 1,138 Period end Jun 30, 2026
- Previous quarter · holders
- 1,065 Prior to period end Jun 30, 2026
| Holders in provider snapshot | Shares |
|---|---|
| Blackrock, INC. | 48,737,629 |
| Vanguard Capital Management LLC | 26,906,653 |
| Capital World Investors | 23,269,185 |
| Invesco Ltd. | 22,154,682 |
| State Street Corp | 21,241,311 |
Quarterly filings lag the period end. Holder rows are names in the provider snapshot, not a verified ranking; individual filing dates are not supplied. Related managers may appear separately, so these positions are not summed. Holder snapshot as of Jun 30, 2026.
What has been published about Citizens Financial Group (CFG)?
- Evercore ISI Group Maintains Outperform on Citizens Financial Group, Lowers Price Target to $78
- Evercore ISI Adjusts Citizens Financial Price Target to $78 From $85, Maintains Outperform Rating
- Citizens Financial Earnings Preview: What to Expect
- Citizens Q4 2026 Business Pulse Finds Rising Small Business Optimism Amid Steady Hiring and Increased AI Spending
Common Questions About CFG (Financial Services)
Research dated 2026-09-12; the answers below are from that research, and the full attribution is under Sources. The last 3 questions are answered from this page's own dated data, not from the research.
How do Citizens Consumer Banking and Commercial Banking fit together?
Consumer Banking gathers deposits and supplies household, wealth and specialized credit products, while Commercial Banking serves corporate and institutional clients with lending, treasury, hedging and advisory services. Their combination gives Citizens exposure to consumer financial activity and corporate financing demand within the same banking group.
What role does point-of-sale financing play inside Citizens Consumer Banking?
Point-of-sale financing extends Citizens' consumer lending beyond branches and conventional mortgages or cards by placing credit near a purchase decision. It broadens origination channels while retaining the credit sensitivity of a lending product.
Why does the Federal Reserve assumption matter for Citizens net interest income outlook?
Management's outlook assumes steady policy rates while net interest margin expands and earning assets grow. A different rate path or failure of those operating drivers to develop would make the stated net interest income expectation harder to achieve.
How should Citizens investors interpret its unclassified long-term investments?
Long-term investments make up most of the reported cash-and-investment total, but their classification does not support treating the entire amount as immediately available cash. Cash and short-term investments provide the cleaner view of near-term liquidity, while the broader pool belongs in a bank balance-sheet analysis.
What is the CFG stock price today?
The last price recorded on this page for Citizens Financial Group, Inc. (CFG) is $64.33, as of the Oct 2, 2026 trading session (source: Financial Modeling Prep (FMP) · quote). It is a provider snapshot, not a live exchange feed, so check a brokerage quote before you trade.
What is the CFG price target?
The analyst consensus price target for Citizens Financial Group, Inc. (CFG) is $79.80 (range $70.00 to $90.00, median $79.00), per FMP data captured Oct 4, 2026. Targets are analyst opinions and change often; they are not a Stock Expert AI forecast.
When are CFG's next earnings?
The next earnings date listed on this page for Citizens Financial Group, Inc. (CFG) is Oct 16, 2026. Companies sometimes move report dates, so the company's own announcement is the final word on timing.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Research written by Codex (gpt-5.6-sol) on 2026-09-12. AI-authored analysis; source dates are shown with each answer. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief.
Sources — records for every figure on this page (73 figures)
The 73 rows below are exactly the facts the evidence-backed sections of this page printed — the 10-second verdict, the MoonshotScore, price and market value, the five questions with their receipts, and the records behind this page. Known dates and sources are recorded on their own rows; an em dash or UNRECORDED tier preserves a stored observation without inventing either. The quarterly income statement is provider-standardized (FMP) under one row, and scale definitions — a 0-100 rating, the band ladder, the Piotroski 0–9 range — are fixed rather than measured. No number in those sections was generated by a model. The register does not cover quoted third-party headlines, the dated council readings, or the Frequently Asked Questions; each of those says where it came from where it stands.
"As of" is the date the value is true for where the source carries one — a quarter end, a filing date, a price close, the day the score was computed. A cached observation with no source date remains undated; the page publication date is not used as a substitute.
OFFICIAL — 2 facts from SEC filings and earnings calls
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
prod.outlook | Management outlook — call excerpts | Aunoy Banerjee (Jul 16, 2026): We provide our outlook for the third quarter, which contemplates the Fed holding rates steady. We expect net interest income to be up in the range of 2.5%-3.5%, driven by continued expansion in net interest margin and earning asset growth. | OFFICIAL | Company earnings call, transcript via Financial Modeling Prep (FMP) — Selected verbatim statements from the latest available call, dated by the transcript provider. Management expectations, not completed milestones or guarantees. Relative dates retain the speaker's wording. | |
id.hq | SEC filing business address | Providence, RI | OFFICIAL | SEC EDGAR filer business address — The SEC filer business address. Our market-data provider separately lists "One Citizens Plaza, Providence, RI, 02903, US". |
FMP — 62 facts from Financial Modeling Prep endpoint families
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
px.last | Latest provided price | $64.33 | FMP | Financial Modeling Prep (FMP) · quote — Dated to the US trading session the price belongs to, derived from the quote record's timestamp (weekend and pre-open reads roll back to the previous weekday; exchange holidays are not modelled). The record does not establish an exchange execution time. Retrieved 2026-10-04T20:54:52.793Z. | |
px.change | Change on the day | +0.99% | FMP | Financial Modeling Prep (FMP) · quote | |
px.mcap | Market capitalisation | $27.2B | FMP | Financial Modeling Prep (FMP) · quote — Date unknown Market cap record date: 2026-10-02. FMP quote timestamp: 2026-10-02T20:00:03.000Z. Captured from FMP at 2026-10-04T20:54:51.778Z. No share-count basis is inferred; this page preserves the reported amount instead of recalculating it from shares. | |
px.change_abs | Change on the day, in dollars | +$0.63 | FMP | Financial Modeling Prep (FMP) · quote | |
fin.q_revenue | Revenue, Q2 FY2026 | $3.19B | FMP | Financial Modeling Prep (FMP) · income statement (quarterly) | |
px.pe | Price / earnings (trailing) | 13.86 | FMP | Financial Modeling Prep (FMP) · quote | |
px.volume | Shares traded on the day | 4.97M | FMP | Financial Modeling Prep (FMP) · quote | |
px.beta | Beta | 1 | FMP | Financial Modeling Prep (FMP) company profile | |
id.ceo | Chief executive | Bruce Winfield Van Saun | FMP | Financial Modeling Prep (FMP) key executives (proxy-derived) — Titles and pay come from the company's proxy statement as our provider parsed it. | |
id.employees | Employees | 17,398 | FMP | Financial Modeling Prep (FMP) employee count, from the company's filing | |
fin.annual | Revenue and net result by fiscal year | 5 fiscal years, FY2021 through FY2025: FY2021 revenue $6.99B, net result $2.32B; FY2022 revenue $9.07B, net result $2.07B; FY2023 revenue $12.19B, net result $1.61B; FY2024 revenue $12.35B, net result $1.51B; FY2025 revenue $11.15B, net result $1.83B | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements | |
fin.rev_mix | Reported revenue segments | Card Fees $335.00M · Service Charges and Fees $442.00M | FMP | Financial Modeling Prep (FMP) revenue segmentation, from the company's 10-K | |
fin.q_table.depth.2026-06-30.revenue_k | Revenue — period end 2026-06-30 | $3.19B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.net_result_k | Net income — period end 2026-06-30 | $587.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.eps | EPS — period end 2026-06-30 | $1.3000 (diluted) | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.revenue_k | Revenue — period end 2026-03-31 | $3.03B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.net_result_k | Net income — period end 2026-03-31 | $517.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.eps | EPS — period end 2026-03-31 | $1.1300 (diluted) | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.revenue_k | Revenue — period end 2025-12-31 | $2.16B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.net_result_k | Net income — period end 2025-12-31 | $528.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.eps | EPS — period end 2025-12-31 | $1.1200 (diluted) | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.revenue_k | Revenue — period end 2025-09-30 | $3.09B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.net_result_k | Net income — period end 2025-09-30 | $494.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.eps | EPS — period end 2025-09-30 | $1.0500 (diluted) | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
earn.history.depth.2026-07-16.revenue_actual | Revenue · reported — report date 2026-07-16 | $2.28B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-16.revenue_estimated | Revenue · estimate — report date 2026-07-16 | $2.25B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-16.eps_actual | EPS · reported — report date 2026-07-16 | $1.3000 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-16.eps_estimated | EPS · estimate — report date 2026-07-16 | $1.2400 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-16.revenue_actual | Revenue · reported — report date 2026-04-16 | $2.17B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-16.revenue_estimated | Revenue · estimate — report date 2026-04-16 | $2.16B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-16.eps_actual | EPS · reported — report date 2026-04-16 | $1.1300 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-16.eps_estimated | EPS · estimate — report date 2026-04-16 | $1.0900 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-21.revenue_actual | Revenue · reported — report date 2026-01-21 | $2.16B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-21.revenue_estimated | Revenue · estimate — report date 2026-01-21 | $2.15B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-21.eps_actual | EPS · reported — report date 2026-01-21 | $1.1300 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-21.eps_estimated | EPS · estimate — report date 2026-01-21 | $1.1000 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-15.revenue_actual | Revenue · reported — report date 2025-10-15 | $2.12B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-15.revenue_estimated | Revenue · estimate — report date 2025-10-15 | $2.10B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-15.eps_actual | EPS · reported — report date 2025-10-15 | $1.0500 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-15.eps_estimated | EPS · estimate — report date 2025-10-15 | $1.0300 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
fin.q_table | Quarterly income statement | 4 quarters through Q2 FY2026 | FMP | Financial Modeling Prep (FMP) · income statement (quarterly), as filed | |
fin.opcf.depth.2026-06-30.operating_cash_flow_m | Operating cash flow — period end 2026-06-30 | $726.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.operating_cash_flow_m | Operating cash flow — period end 2026-03-31 | $237.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-06-30.capex_m | Capital expenditure (reported) — period end 2026-06-30 | −$21.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.capex_m | Capital expenditure (reported) — period end 2026-03-31 | $0.00 | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.operating_cash_flow_m | Operating cash flow — period end 2025-12-31 | −$158.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.capex_m | Capital expenditure (reported) — period end 2025-12-31 | −$92.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.operating_cash_flow_m | Operating cash flow — period end 2025-09-30 | $1.70B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.capex_m | Capital expenditure (reported) — period end 2025-09-30 | −$35.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
earn.pt_range | Analyst price target, low to high | $70.00 – $90.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 4, 2026 · Coverage not supplied | |
earn.pt_consensus | Consensus analyst price target | $79.80 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 4, 2026 · Coverage not supplied | |
earn.pt_median | Median analyst price target | $79.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 4, 2026 · Coverage not supplied | |
own.insiders | Insider transactions via FMP | 39 transactions · 0 purchases, 2 sales, 37 other transactions · 15 identified insiders · of the newest 100 records, those within the last 180 days, newest dated Sep 1, 2026 | FMP | Financial Modeling Prep (FMP), carrying Form 4 transaction records — Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent. | |
own.institutions.depth.ownership_pct | Institutional ownership | 98.1% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.ownership_pct_previous_quarter | Previous quarter · ownership | 93.5% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.institutions.depth.holders | Reporting holders | 1,138 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.holders_previous_quarter | Previous quarter · holders | 1,065 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.top_holders.depth.holder_0.shares | Blackrock, INC. — shares in provider snapshot | 48,737,629 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_1.shares | Vanguard Capital Management LLC — shares in provider snapshot | 26,906,653 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_2.shares | Capital World Investors — shares in provider snapshot | 23,269,185 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_3.shares | Invesco Ltd. — shares in provider snapshot | 22,154,682 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_4.shares | State Street Corp — shares in provider snapshot | 21,241,311 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. |
UNRECORDED — 3 facts from stored observations whose source was not recorded
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.next | Next earnings date | Oct 16, 2026 | UNRECORDED | Stored earnings-calendar observation — Captured 2026-09-14 | |
earn.history | Reported versus estimated, recent quarters | EPS beat 7 of 8 | UNRECORDED | Stored earnings-history observation — Captured 2026-10-03 | |
px.range52 | 52-week range | $47.95 – $75.33 | UNRECORDED | Stored company-profile observation — Captured 2026-10-03 |
COMPUTED — 4 facts from our arithmetic, formula restated
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
div.ttm_per_share | Dividends per share, last 12 months (split-adjusted) | $1.84 | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history — Sum of 4 split-adjusted declared dividends with an ex-date in the 365 days to 2026-10-05, per current share. Ex-dates are not payment dates; special dividends are included. Not a declared annual rate. | |
div.ttm_yield | Dividend yield, last 12 months | 2.86% | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history and quote — Split-adjusted dividends with ex-dates in the trailing 365-day window divided by the packet price, on the same current-share basis. Price date follows the quote, latest price bar or packet-build day when unstamped. Not a forecast or declared annual rate. | |
earn.history.depth.2026-07-16.revenue_actual.comparison | Latest report · revenue vs estimate | Above estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported revenue ($2.28B) with the recorded estimate ($2.25B) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
earn.history.depth.2026-07-16.eps_actual.comparison | Latest report · EPS vs estimate | Above estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported EPS ($1.3000) with the recorded estimate ($1.2400) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
OURS — 2 facts from Stock Expert AI's own score and rank
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
ours.moonshot | MoonshotScore v2 | 68 of 100 · Strong · pillars 66 / 40 / 90 / 64 / 40 | OURS | Stock Expert AI MoonshotScore v2 engine | |
ours.moonshot_change | MoonshotScore movement | 68 (stored snapshot Oct 3, 2026) → 68 (current publication computed Oct 4, 2026) (0) | OURS | Stock Expert AI current score publication and immutable score snapshots |
Fact-family notes
- Quarterly statement note. Source series as of 2026-06-30. Revenue and net income are in USD; EPS is USD per share. Statement EPS is labelled diluted or basic only when its source identifies that basis. Otherwise, its basis is unknown. Applies to Fact IDs:
fin.q_table.depth.2026-06-30.revenue_k,fin.q_table.depth.2026-06-30.net_result_k,fin.q_table.depth.2026-06-30.eps,fin.q_table.depth.2026-03-31.revenue_k,fin.q_table.depth.2026-03-31.net_result_k,fin.q_table.depth.2026-03-31.eps,fin.q_table.depth.2025-12-31.revenue_k,fin.q_table.depth.2025-12-31.net_result_k,fin.q_table.depth.2025-12-31.eps,fin.q_table.depth.2025-09-30.revenue_k,fin.q_table.depth.2025-09-30.net_result_k,fin.q_table.depth.2025-09-30.eps. - Earnings-history note. Source series as of 2026-07-16. Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined. Applies to Fact IDs:
earn.history.depth.2026-07-16.revenue_actual,earn.history.depth.2026-07-16.revenue_estimated,earn.history.depth.2026-07-16.revenue_actual.comparison,earn.history.depth.2026-07-16.eps_actual.comparison,earn.history.depth.2026-07-16.eps_actual,earn.history.depth.2026-07-16.eps_estimated,earn.history.depth.2026-04-16.revenue_actual,earn.history.depth.2026-04-16.revenue_estimated,earn.history.depth.2026-04-16.eps_actual,earn.history.depth.2026-04-16.eps_estimated,earn.history.depth.2026-01-21.revenue_actual,earn.history.depth.2026-01-21.revenue_estimated,earn.history.depth.2026-01-21.eps_actual,earn.history.depth.2026-01-21.eps_estimated,earn.history.depth.2025-10-15.revenue_actual,earn.history.depth.2025-10-15.revenue_estimated,earn.history.depth.2025-10-15.eps_actual,earn.history.depth.2025-10-15.eps_estimated. - Cash-flow note. Source series as of 2026-06-30. USD. Statement entries keep the provider’s reported sign. These financial-company figures are not used here to estimate cash runway, surplus cash, or business value. Applies to Fact IDs:
fin.opcf.depth.2026-06-30.operating_cash_flow_m,fin.opcf.depth.2026-03-31.operating_cash_flow_m,fin.opcf.depth.2026-06-30.capex_m,fin.opcf.depth.2026-03-31.capex_m,fin.opcf.depth.2025-12-31.operating_cash_flow_m,fin.opcf.depth.2025-12-31.capex_m,fin.opcf.depth.2025-09-30.operating_cash_flow_m,fin.opcf.depth.2025-09-30.capex_m.
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Sources used for research written 2026-09-12
Historical evidence preserved with this analysis. Current figures are listed separately above.
| Evidence | Captured value | Source date | Source type | Source |
|---|---|---|---|---|
| Legal name | CITIZENS FINANCIAL GROUP INC/RI Our market-data provider lists the name as "Citizens Financial Group, Inc."; the filer's own record is used here. | 2026-02-12 | OFFICIAL | SEC EDGAR — 10-K filed 2026-02-12 |
| Sector / industry (provider taxonomy) | Financial Services / Banks - Regional The company's SEC filings classify it under SIC 6022 — State Commercial Banks. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) company profile |
| Business description | 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. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) company profile |
| Quarterly income statement (USD thousands) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements |
| Management outlook — dated call excerpts | Captured record · 1 entry
Selected verbatim statements from the latest available call, dated by the transcript provider. Management expectations, not completed milestones or guarantees. Relative dates retain the speaker's wording. | 2026-07-16 | OFFICIAL | Company earnings call, transcript via Financial Modeling Prep (FMP) |
| Revenue by segment | Card Fees: $335.00M; Service Charges and Fees: $442.00M | 2025-12-31 | FMP | Financial Modeling Prep (FMP) revenue segmentation, from the company's 10-K |
| Annual revenue and net result (USD millions) | Captured record · 5 entries
| 2025-12-31 | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements |
| Most recent periodic reports | 2026-08-03 | OFFICIAL | SEC EDGAR filer submissions | |
| Reported versus estimated, last 8 quarters | Captured record · 8 entries
| 2026-07-16 | FMP | Financial Modeling Prep (FMP) earnings |
| Trailing twelve-month ratio set | Quick ratio: 11.01; Current ratio: 11.01; Debt to equity: 0.62; Net margin: 18.5%; Gross margin: 72.4%; Operating margin: 23.6%; Return on assets: 0.9%; Return on equity: 8.1% Price-based multiples captured at research time are not repeated here; the page shows each once, from current figures with their own dates. A ratio our provider could not compute is absent rather than shown as zero. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm |
| Operating cash flow by quarter (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements |
| Recent dividends paid | Captured record · 4 entries
Declared amounts per share on their ex-dates. A single payment does not establish an annual rate, and a special dividend is not separated here. | 2026-07-30 | FMP | Financial Modeling Prep (FMP) dividend history |
| Cash, investments and debt | Total debt: $16.35B; Liquidity basis: cash and short-term investments; Total liabilities: $207.65B; Cash and short-term investments: $12.76B; Cash and investments: $205.93B; Long-term investments: $193.17B; Long-term investments classification: unclassified Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's balance sheet |
| Cash and investment components | Total basis: cash short and long-term investments; Total: $205.93B; Cash and short-term investments: $12.76B; Long-term investments: $193.17B; Long-term investments classification: unclassified Sums the balance sheet's cash and short-term investments with its long-term investments.; The long-term investment field does not establish marketability; the sum is not a measure of available liquidity.; These provider fields do not establish investment access restrictions or explain differences from third-party cash figures. | 2026-06-30 | COMPUTED | Computed from the balance sheet |
| Cash and short-term investments over time (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's quarterly balance sheets |
| Next earnings report | Date: 2026-10-16; EPS estimate: $1.4 per share; Revenue estimate: $2.34B The date is our provider's estimate until the company confirms it. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) earnings calendar |
| Analyst revenue and earnings estimates (average) | Captured record · 4 entries
| 2026-09-12 | FMP | Financial Modeling Prep (FMP) analyst estimates |
Data provided for informational purposes only.
ETFs that hold CFG
Funds in our ETF coverage that list CFG among the top 10 holdings on their fund page, largest weight first. Each weight is the fund's reported holding weight as of the date in its row.
| ETF | Weight | Holdings as of |
|---|---|---|
| The Free Markets ETF (FMKT) | 2.94% |