Citizens Financial Group, Inc. (CFG) AI Stock Analysis

Citizens Financial Group, Inc. operates as the holding company for Citizens Bank, National Association, delivering retail and commercial banking services to individuals, small businesses, middle-market companies, corporations, and institutions. Its operations are organized into Consumer Banking and Commercial Banking segments. Consumer Banking offers deposit accounts, mortgages, home equity loans, credit cards, business loans, wealth management, investment services, and digital banking platforms. Commercial Banking provides lending, leasing, treasury management, foreign exchange, and risk management solutions across industries such as healthcare, technology, and commercial real estate through a network of approximately 1,200 branches in 14 states and the District of Columbia.

For FY2025, annual revenue fell 9.7% to $11.15B, down from $12.35B in FY2024 and $12.19B in FY2023. Operating margin improved to 20.9% in FY2025 compared to 15.3% in FY2024, while net margin increased to 16.4%, lifting net income to $1.83B and EPS to $3.87. Over a five-year period from FY2020 to FY2025, revenue grew at a CAGR of 7.7%. In the latest quarter ended September 30, 2026, revenue increased 14.7% year-over-year, and quarterly earnings grew 41.3% year-over-year, contributing to trailing twelve-month revenue of $8.16B and an operating margin of 35.1%.

As of September 30, 2026, Citizens Financial Group held $57.89B in cash and short-term investments against total debt of $17.83B, resulting in net cash of $40.05B. Shareholders' equity stood at $25.16B with total assets of $234.46B, a debt-to-equity ratio of 0.71, and a current ratio of 0.32. Operating cash flow in FY2025 reached $2.21B, supporting $2.04B in free cash flow after $174.0M in capital expenditures. Cash deployment in FY2025 included $1.00B spent on share buybacks and $888.0M distributed in dividends.

CFG trades at a trailing P/E of 13.8x and a forward P/E of 9.9x, both below the median of its S&P 500 Financial Services peers at 14.2x and 12.6x, respectively. Its price-to-sales multiple is 3.3x, compared to the peer median of 3.1x, and it trades at a price-to-book multiple of 1.1x. Over the past year, CFG delivered a total return of 34.9%, outperforming the SPY return of 16.8%, while its five-year return of 61.8% trailed the SPY return of 83.0%.

Citizens Financial Group pays a forward annual dividend of $1.84 per share, translating to a dividend yield of 2.90% with a payout ratio of 30.6%. The company has paid dividends for 13 consecutive years and posted an annualized 5-year dividend growth rate of 2.0%. Dividends are distributed on a quarterly schedule, with the last ex-dividend date occurring on July 30, 2026.

Wall Street coverage includes 12 Strong Buy, 5 Buy, and 3 Hold recommendations, with 0 Sell or Strong Sell ratings. The mean price target is $78.03, representing a 23.1% upside from the last closing price of $63.36 on October 16, 2026. For the fiscal year ending December 31, 2026, analysts estimate EPS of $5.28 on revenue of $9.18B. The company beat EPS estimates in each of the last 4 quarters, and its next earnings release is scheduled for January 20, 2027.

This page is an AI-written research summary of Citizens Financial Group, Inc. (CFG). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: CFG income statement, CFG balance sheet, CFG key metrics, CFG analyst forecast, CFG chart. See the CFG stock overview for the latest quote and news.