Citizens Financial Group, Inc. (CFG-PH) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Citizens Financial Group, Inc. (CFG-PH) trades at $25.67 with AI Score 39/100 (Grade D). Citizens Financial Group, Inc. Market cap: $30.8B, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: May 9, 2026Analyst Coverage for CFG-PH: CFG-PH does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates CFG-PH against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
CFG-PH: the 3 scored disciplines are evenly split. Dominant signal: Izzy Englander bullish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Citizens Financial Group, Inc. (CFG-PH) Financial Services Profile
Citizens Financial Group, Inc., founded in 1828, is a Providence-based bank holding company providing retail and commercial banking services. With a $30.8B market cap and a 17.5% profit margin, Citizens operates through two segments, focusing on deposit products, lending, wealth management, and treasury solutions across the United States.
What Is the Investment Thesis for CFG-PH?
Citizens Financial Group, Inc. presents a compelling investment case based on its diversified revenue streams and strategic market positioning. With a market capitalization of $30.8B and a P/E ratio of 13.73, the company demonstrates financial stability and growth potential. A key value driver is its robust gross margin of 71.1% and a profit margin of 17.5%, indicating efficient operations. Upcoming catalysts include continued expansion of its digital banking platform and strategic acquisitions to enhance market share. However, potential risks include interest rate volatility and increased competition from fintech companies. The company’s dividend yield of 2.82% provides an attractive income component for investors.
Based on FMP financials and quantitative analysis
CFG-PH Key Highlights
Market Cap of $30.8B indicates substantial size and investor confidence.
- P/E Ratio of 13.73 suggests a reasonable valuation relative to earnings.
- Profit Margin of 17.5% demonstrates efficient operations and profitability.
- Gross Margin of 71.1% highlights strong revenue management.
- Dividend Yield of 2.82% provides an attractive income stream for investors.
Who Are CFG-PH's Competitors?
CFG-PH is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| FITB Fifth Third Bancorp | $54.50 | -0.84% | $49.4B | 74 |
| CIB Grupo Cibest SA is an investment holding company headquartered in Medellin, Columbia. The company | $98.19 | -1.48% | $23.3B | 54 |
| WF Woori Financial Group Inc. | $70.57 | -0.01% | $17.1B | 51 |
| BSAC Banco Santander-Chile | $34.88 | +1.28% | $16.4B | 47 |
| FHN First Horizon Corporation | $24.87 | -3.68% | $11.8B | 92 |
| ZION Zions Bancorporation, National Association | $68.39 | +0.15% | $9.98B | 98 |
| USB U.S. Bancorp | $62.61 | -0.33% | $97.5B | 96 |
| BOKF BOK Financial Corporation | $139.84 | -0.36% | $8.50B | 95 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are CFG-PH's Key Strengths?
Diversified revenue streams from retail and commercial banking.
- Established presence in key markets.
- Strong capital position.
- Growing digital banking capabilities.
What Are CFG-PH's Weaknesses?
Exposure to interest rate risk.
- Dependence on economic conditions.
- Competition from larger national banks and fintech companies.
- Potential for regulatory changes to impact profitability.
What Could Drive CFG-PH Stock Higher?
Continued expansion of digital banking platform to attract and retain customers.
- Strategic acquisitions and partnerships to expand market presence and product offerings.
- Increased focus on wealth management services to capitalize on growing demand.
- Enhancement of commercial banking solutions to better serve middle-market companies and corporations.
- Leveraging data analytics for personalized services to improve customer satisfaction and drive revenue growth.
What Are the Key Risks for CFG-PH?
Financial-distress signal — its Altman Z-Score of 0.43 sits in the distress zone (elevated bankruptcy risk).
- Economic downturn impacting loan demand and credit quality.
- Exposure to interest rate risk affecting net interest margin.
- Increased competition from fintech companies disrupting traditional banking models.
- Regulatory changes impacting capital requirements and lending practices.
- Cybersecurity threats and data breaches compromising customer information.
What Are the Growth Opportunities for CFG-PH?
- Expansion of Digital Banking Platform: Citizens Financial Group has a significant opportunity to expand its digital banking platform to attract and retain customers. By investing in user-friendly mobile applications and online services, the company can enhance customer experience and reduce operational costs. The digital banking market is projected to reach $9.0 trillion by 2027, offering substantial growth potential. Timeline: Ongoing.
- Strategic Acquisitions and Partnerships: Citizens Financial Group can pursue strategic acquisitions and partnerships to expand its market presence and product offerings. By acquiring smaller regional banks or partnering with fintech companies, the company can gain access to new markets and technologies. This strategy can drive revenue growth and improve competitive positioning. Timeline: Ongoing.
- Increased Focus on Wealth Management Services: The demand for wealth management services is growing, driven by an aging population and increasing affluence. Citizens Financial Group can capitalize on this trend by expanding its wealth management offerings and attracting high-net-worth clients. The global wealth management market is expected to reach $145 trillion by 2030. Timeline: Upcoming.
- Enhancement of Commercial Banking Solutions: Citizens Financial Group can enhance its commercial banking solutions to better serve middle-market companies and corporations. By offering tailored lending products, treasury management services, and investment banking solutions, the company can strengthen its relationships with commercial clients and drive revenue growth. Timeline: Ongoing.
- Leveraging Data Analytics for Personalized Services: By leveraging data analytics, Citizens Financial Group can gain insights into customer behavior and preferences, enabling the company to offer personalized financial services and products. This can improve customer satisfaction, increase customer loyalty, and drive revenue growth. The data analytics market in the financial services industry is projected to grow significantly over the next five years. Timeline: Ongoing.
What Are CFG-PH's Competitive Advantages?
- Established Brand Reputation: Citizens Financial Group has a long-standing history and a strong brand reputation in the banking industry.
- Extensive Branch Network: The company has an extensive branch network, providing convenient access to customers.
- Diversified Product Offerings: Citizens Financial Group offers a wide range of banking products and services, catering to diverse customer needs.
- Strong Customer Relationships: The company has built strong relationships with its customers, leading to high customer retention rates.
What Does CFG-PH Do?
Citizens Financial Group, Inc., established in 1828 and headquartered in Providence, Rhode Island, has evolved into a prominent bank holding company offering a comprehensive suite of retail and commercial banking products and services. Originally known as RBS Citizens Financial Group, Inc., the company rebranded in April 2014 to reflect its independent identity. Citizens operates through two primary segments: Consumer Banking and Commercial Banking. The Consumer Banking segment provides a wide array of services, including deposit products, mortgage and home equity lending, credit cards, business loans, wealth management, and investment services. It also offers auto, education, and point-of-sale finance loans, alongside digital deposit products, catering to individual and small business needs through telephone service centers, online platforms, and mobile applications. The Commercial Banking segment focuses on delivering financial products and solutions to middle-market companies, corporations, and institutions. These include lending and leasing, deposit and treasury management services, foreign exchange, and interest rate and commodity risk management solutions. Additionally, the segment provides syndicated loans, corporate finance, mergers and acquisitions advisory, and debt and equity capital markets services, serving industries such as corporate banking, healthcare, technology, asset finance, franchise finance, leasing, asset-based lending, commercial real estate, mid-corporate, and private equity sponsor industries. Citizens Financial Group employs 17,354 individuals and maintains a strong presence in the U.S. banking sector.
What Products and Services Does CFG-PH Offer?
- Provides retail banking services to individuals and small businesses.
- Offers commercial banking solutions to middle-market companies and corporations.
- Provides deposit products, including checking, savings, and money market accounts.
- Offers mortgage and home equity lending products.
- Provides credit cards and business loans.
- Offers wealth management and investment services.
- Provides auto, education, and point-of-sale finance loans.
- Offers digital deposit products through online and mobile platforms.
How Does CFG-PH Make Money?
- Generates revenue through interest income from loans and other lending products.
- Earns fees from deposit accounts, credit cards, and wealth management services.
- Provides treasury management services to commercial clients for a fee.
- Offers investment banking and advisory services, generating fees from mergers and acquisitions, and capital markets transactions.
What Industry Does CFG-PH Operate In?
Citizens Financial Group operates in the regional banking sector, which is characterized by increasing competition from both traditional banks and fintech companies. The industry is experiencing a shift towards digital banking solutions, driven by changing customer preferences. With a beta of 1.35, Citizens Financial Group exhibits higher volatility compared to the overall market. The regional banking sector is also influenced by macroeconomic factors such as interest rates and regulatory changes, impacting lending margins and overall profitability.
Who Are CFG-PH's Key Customers?
- Individuals seeking retail banking services.
- Small businesses requiring loans and deposit accounts.
- Middle-market companies needing commercial banking solutions.
- Corporations seeking treasury management and investment banking services.
- High-net-worth individuals seeking wealth management services.
Citizens Financial Group, Inc. Financial Trajectory
Citizens Financial Group, Inc. (CFG-PH) reported $3.19B in revenue for Q2 2026, reflecting 5.6% growth compared to the prior quarter. The company recorded net income of $587.0M, with diluted EPS of $1.30. Revenue has increased across the last three reported quarters, suggesting sustained momentum for this large-cap Financial Services company. Across the four most recent quarters, CFG-PH averaged $1.15 in diluted EPS.
Company Profile
Citizens Financial Group, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Providence, US. The company is led by CEO Bruce Winfield Van Saun. CFG-PH has traded publicly since 2024.
How Citizens Financial Group, Inc. Is Valued
Citizens Financial Group, Inc. carries a market capitalization of $30.8B, placing it in the large-cap category. Relative to its peer group, CFG-PH's quantitative score of 39/100 is below the peer average of 64/100.
Key Financial Metrics
Return on equity for Citizens Financial Group, Inc. stands at 6.0%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.6%, showing how much profit it generates from its asset base. CFG-PH trades at a trailing price-to-earnings ratio of 0.00, below the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 0.0%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
Citizens Financial Group, Inc.'s Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.43 places it in the distress zone, a signal of elevated financial risk.
Forward Outlook
Wall Street analysts project Citizens Financial Group, Inc. revenue of about $9.19B for fiscal 2026, with EPS near $5.31.
CFG-PH Financials
Bull Case vs Bear Case
Bull Case
- Diversified revenue streams from retail and commercial banking.
- Established presence in key markets.
- Strong capital position.
- Growing digital banking capabilities.
Bear Case
- Exposure to interest rate risk.
- Dependence on economic conditions.
- Competition from larger national banks and fintech companies.
- Potential for regulatory changes to impact profitability.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2026 | $3.19B | $587M | $1.30 |
| Q1 2026 | $3.03B | $517M | $1.13 |
| Q4 2025 | $2.16B | $528M | $1.12 |
| Q3 2025 | $3.09B | $494M | $1.05 |
Based on FMP financials and quantitative analysis
CFG-PH Latest News
No recent news available for CFG-PH.
CFG-PH Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for CFG-PH.
Price Targets
Wall Street price target analysis for CFG-PH.
CFG-PH MoonshotScore
What does this score mean?
The MoonshotScore rates CFG-PH 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Bruce Winfield Van Saun
Chairman and Chief Executive Officer
Bruce Winfield Van Saun serves as the Chairman and Chief Executive Officer of Citizens Financial Group, Inc. Prior to joining Citizens, he held key leadership positions at RBS, including Group Chief Financial Officer and Head of the U.S. business. His extensive experience in the financial services industry spans over three decades, with a focus on strategic planning, financial management, and business development. He holds an MBA from the University of North Carolina and a BA from Bucknell University.
Track Record: Under Bruce Van Saun's leadership, Citizens Financial Group has achieved significant milestones, including the successful completion of its IPO and the implementation of strategic initiatives to drive revenue growth and improve operational efficiency. He has overseen the expansion of the company's digital banking platform and the acquisition of several regional banks to enhance market share. His focus on customer experience and innovation has contributed to the company's strong performance.
Citizens Financial Group, Inc. Financial Services Stock: Key Questions Answered
What does the AI Score mean for CFG-PH?
CFG-PH holds an AI Score of 39/100 (Grade: D). This is an educational research signal, not a buy or sell recommendation. Citizens Financial Group, Inc. is a bank holding company that provides retail and commercial banking products and services to individuals, small businesses, middle-market companies, corporations …
What does Citizens Financial Group, Inc. do?
Citizens Financial Group, Inc. operates as a bank holding company, providing a range of retail and commercial banking products and services. Through its Consumer Banking segment, it offers deposit products, lending services, and wealth management. The Commercial Banking segment provides financial solutions like lending, treasury management, and investment banking services to middle-market companies, corporations, and institutions.
What do analysts say about CFG-PH stock?
Analyst consensus on Citizens Financial Group, Inc. (CFG-PH) reflects a generally positive outlook, considering its market capitalization of $30.8B and solid financial metrics. Key valuation metrics include a P/E ratio of 13.73 and a dividend yield of 2.82%. Growth considerations center on the company's ability to expand its digital banking platform and capitalize on strategic acquisitions.
What are the main risks for CFG-PH?
Citizens Financial Group, Inc. faces several key risks, including economic downturns that could impact loan demand and credit quality. Exposure to interest rate risk can affect the company's net interest margin. Increased competition from fintech companies poses a threat to traditional banking models. Regulatory changes could impact capital requirements and lending practices.
How does Citizens Financial Group, Inc. make money in financial services?
Citizens Financial Group, Inc. generates revenue primarily through net interest income, which is the difference between the interest earned on loans and investments and the interest paid on deposits. The company also earns fee income from services such as wealth management, investment banking, and transaction processing.
What is Citizens Financial Group, Inc.'s credit quality and risk management approach?
Citizens Financial Group, Inc. maintains a focus on credit quality and employs a comprehensive risk management framework to mitigate potential losses. The company assesses the creditworthiness of borrowers through rigorous underwriting standards and monitors loan performance closely.
What are the key factors to evaluate for CFG-PH?
Citizens Financial Group, Inc. (CFG-PH) holds an AI score of 39/100 (low). presents a compelling investment case based on its diversified revenue streams and strategic market positioning. Not financial advice.
How frequently does CFG-PH data refresh on this page?
CFG-PH's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven CFG-PH's recent stock price performance?
Citizens Financial Group, Inc. (CFG-PH) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Diversified revenue streams from retail and commercial banking. See the News tab for the latest drivers. Past performance does not predict future results.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available financial data and company descriptions as of 2026-05-09.
- Market conditions and company performance are subject to change.
- This is not financial advice. Consult with a qualified financial advisor before making investment decisions.