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    C

    Citizens Financial Group, Inc. (CFG)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NYSE

    $63.44
    +0.87 (+1.39%)

    Market Cap: $26.66B

    Last updated: Oct 16, 2026 at 1:54 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    92%(36/39)
    Avg Surprise
    +13.95%
    Streak
    11 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$1.39
    Range$1.32 - $1.43
    14 analysts
    EPS RevisionsNo revisions (7d)
    1
    0
    30d
    EPS Estimate DriftChange to current
    90d ago$1.38+0.7%
    60d ago$1.40-0.8%
    30d ago$1.41-1.2%
    7d ago$1.40-0.4%
    Current$1.39
    Revenue Consensus
    $2.3B
    Range$2.3B - $2.4B
    10 analysts
    Period ending Dec 31, 2026
    EPS Consensus$1.57
    Range$1.48 - $1.64
    15 analysts
    Revenue Consensus
    $2.4B
    Range$2.4B - $2.5B
    10 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$1.57---
    Sep 26EST
    		-$1.39---
    Jun 26
    Reported Jul 16
    		$1.30$1.25+4.00%Beat+41.3%
    Mar 26
    Reported Apr 16
    		$1.13$1.09+3.67%Beat+46.8%
    Dec 25
    Reported Jan 21
    		$1.13$1.11+1.80%Beat+32.9%
    Sep 25
    Reported Oct 15
    		$1.05$1.03+1.94%Beat+32.9%
    Jun 25
    Reported Jul 17
    		$0.92$0.88+4.55%Beat+12.2%
    Mar 25
    Reported Apr 16
    		$0.77$0.75+2.67%Beat-2.5%
    Dec 24
    Reported Jan 17
    		$0.85$0.83+2.41%Beat+0.0%
    Sep 24
    Reported Oct 16
    		$0.79$0.79+0.00%Beat-11.2%
    Jun 24
    Reported Jul 17
    		$0.82$0.79+3.80%Beat-21.2%
    Mar 24
    Reported Apr 17
    		$0.79$0.76+3.95%Beat-28.2%
    Dec 23
    Reported Jan 17
    		$0.85$0.84+1.19%Beat-35.6%
    Sep 23
    Reported Oct 18
    		$0.89$0.91-2.20%Miss-31.5%
    Jun 23
    Reported Jul 19
    		$1.04$1.00+4.00%Beat-8.8%
    Mar 23
    Reported Apr 19
    		$1.10$1.13-2.65%Miss+2.8%
    Dec 22
    Reported Jan 17
    		$1.32$1.32+0.00%Beat+4.8%
    Sep 22
    Reported Oct 19
    		$1.30$1.27+2.36%Beat+6.6%
    Jun 22
    Reported Jul 19
    		$1.14$1.02+11.76%Beat-21.9%
    Mar 22
    Reported Apr 19
    		$1.07$0.91+17.58%Beat-24.1%
    Dec 21
    Reported Jan 19
    		$1.26$1.13+11.50%Beat+21.2%
    Sep 21
    Reported Oct 20
    		$1.22$1.15+6.09%Beat+67.1%
    Jun 21
    Reported Jul 20
    		$1.46$1.14+28.07%Beat+165.5%
    Mar 21
    Reported Apr 16
    		$1.41$0.98+43.88%Beat+50.0%
    Dec 20
    Reported Jan 20
    		$1.04$0.88+18.18%Beat+5.1%
    Sep 20
    Reported Oct 16
    		$0.73$0.75-2.67%Miss-25.5%
    Jun 20
    Reported Jul 17
    		$0.55$0.15+266.67%Beat-42.7%
    Mar 20
    Reported Apr 17
    		$0.94$0.67+40.30%Beat+1.1%
    Dec 19
    Reported Jan 17
    		$0.99$0.95+4.21%Beat+1.0%
    Sep 19
    Reported Oct 18
    		$0.98$0.96+2.08%Beat+5.4%
    Jun 19
    Reported Jul 19
    		$0.96$0.94+2.13%Beat+9.1%
    Mar 19
    Reported Apr 18
    		$0.93$0.89+4.49%Beat+19.2%
    Dec 18
    Reported Jan 18
    		$0.98$0.94+4.26%Beat+38.0%
    Sep 18
    Reported Oct 19
    		$0.93$0.90+3.33%Beat+36.8%
    Jun 18
    Reported Jul 20
    		$0.88$0.85+3.53%Beat+39.7%
    Mar 18
    Reported Apr 20
    		$0.78$0.76+2.63%Beat+27.9%
    Dec 17
    Reported Jan 19
    		$0.71$0.67+5.97%Beat+29.1%
    Sep 17
    Reported Oct 20
    		$0.68$0.64+6.25%Beat-
    Jun 17
    Reported Jul 21
    		$0.63$0.59+6.78%Beat-
    Mar 17
    Reported Apr 20
    		$0.61$0.51+19.61%Beat-
    Dec 16
    Reported Jan 20
    		$0.55$0.52+5.77%Beat-

    Dividends

    Dividend Metrics

    Forward Yield2.90%
    Forward Annual Dividend$1.84
    Payout Ratio36.60%
    FrequencyQuarterly
    Pay MonthsFeb, May, Aug, Nov

    Growth

    3Y CAGR+2.02%
    5Y CAGR+1.97%
    CFG dividend history and ex-dividend datesRun CFG in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio13.76EV/EBITDA9.64x
    Price/FCF11.40xFCF Yield8.77%
    Profitability
    Profit Margin26.10%Operating Margin35.10%
    ROE8.27%ROIC5.00%
    Financial Health
    Debt/Equity0.62xInterest Coverage0.74x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta1.06Avg Volume4.38M
    52-Week High$75.3352-Week Low$46.89

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$63.67
    SMA 20$64.38
    SMA 50$68.25
    SMA 200$64.82
    EMA 10$63.69
    EMA 20$64.69
    EMA 50$66.76
    EMA 200$63.75

    MACD

    Line: -1.42Signal: -1.50Hist: 0.09

    ADX

    ADX: 37.4+DI: 18.5-DI: 32.9

    Aroon & PSAR

    Aroon Up12.0
    Aroon Down60.0
    PSAR$64.60

    Bollinger Bands

    Upper Band$66.81
    Lower Band$61.95
    %B Position755%(Upper)
    Band Width0.31

    RSI (14-Day)

    Neutral
    38.6

    Momentum Oscillators

    Stoch %K34.6
    Stoch %D37.4
    Williams %R-54.0
    ROC (10d)-0.4%
    Momentum-0.26
    CCI (20d)-81.8
    MFI (14d)42.0

    Volatility Measures

    ATR (14d)$1.40(2.2%)
    StdDev (20d)1.22
    Hist Vol18.0%(Low)

    Volume Flow

    VWAP$63.20
    OBV207.1M
    AD Line-3.3B
    CMF (20d)0.036

    Volume Metrics

    Avg Vol (20d)4.4M
    Vol Ratio0.9x
    VWMA (20d)$64.37

    Pivot Points

    R3$63.57
    R2$63.11
    R1$62.84
    Pivot Point$62.37
    S1$62.10
    S2$61.64
    S3$61.37

    Advanced Oscillators

    TSI-30.71
    Ultimate Osc52.5
    KST-78.40

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$2.28B$2.17B$2.16B$2.12B$2.04B$1.94B$1.99B$1.90B$1.96B$1.96B$1.99B$2.01B
    Cost of RevenueN/A$998.00MN/A$1.12B$1.13B$1.11B$1.21B$1.34B$1.35B$1.34B$1.36B$1.25B
    Gross ProfitN/A$2.03B$2.16B$1.96B$1.87B$1.78B$1.81B$1.73B$1.78B$1.79B$1.82B$1.84B
    Operating Expenses$1.39B$1.38B$1.34B$1.33B$1.32B$1.31B$1.32B$1.26B$1.30B$1.36B$1.61B$1.29B
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$650.00M$677.00M$629.00M$554.00M$468.00M$508.00M$470.00M$480.00M$430.00M$205.00M$549.00M
    Interest Income$2.54B$2.42B$2.45B$2.46B$2.41B$2.35B$2.46B$2.54B$2.58B$2.61B$2.68B$2.60B
    Interest Expense$912.00M$858.00M$909.00M$970.00M$970.00M$961.00M$1.05B$1.17B$1.17B$1.17B$1.19B$1.07B
    Income Before Tax$755.00M$650.00M$677.00M$629.00M$554.00M$468.00M$508.00M$470.00M$480.00M$430.00M$205.00M$549.00M
    Income Tax Expense$168.00M$133.00M$149.00M$135.00M$118.00M$95.00M$107.00M$88.00M$88.00M$96.00M$16.00M$119.00M
    Net Income$587.00M$517.00M$528.00M$494.00M$436.00M$373.00M$401.00M$382.00M$392.00M$334.00M$189.00M$430.00M
    EBITDA$854.00M$763.00M$789.00M$748.00M$678.00M$591.00M$632.00M$599.00M$623.00M$532.00M$331.00M$671.00M
    EBIT$755.00M$650.00M$677.00M$629.00M$554.00M$468.00M$508.00M$470.00M$480.00M$430.00M$205.00M$549.00M
    * Some calculated fields are derived from available data when not provided by source

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    News

    US regional banks join bigger peers in signaling resilient economy as lending holds firm

    US regional banks reported strong third-quarter earnings, driven by robust loan demand from businesses, indicating economic resilience despite rising borrowing costs. This trend mirrors that of larger banks...

    The Mighty 790 KFGO•10/16/26•Somewhat-Bullish

    What Citizens Financial Group (CFG) Said on Its Q3 Earnings Call

    Citizens Financial Group (CFG) reported record third-quarter revenue, with EPS rising 34% year-over-year to $1.41 and ROTCE improving to 15.1%. The bank raised its quarterly dividend by 13% to $0.52 per share...

    MarketBeat•10/16/26•Bullish

    Raymond James reiterates Strong Buy on Citizens Financial stock By Investing.com

    Raymond James has reiterated a "Strong Buy" rating and a $77.00 price target on Citizens Financial Group (NYSE:CFG) stock...

    Investing.com Canada•10/16/26•Bullish

    Keefe Bruyette cuts Charles Schwab stock price target on estimate revision

    Keefe Bruyette & Woods has reduced its price target for Charles Schwab Corp. (NYSE:SCHW) to $115 from $125, while maintaining an Outperform rating. This adjustment follows the company's recent earnings report...

    Investing.com•10/16/26•Neutral

    Citizens Financial Group Q3 2026 Earnings Call Transcript

    Citizens Financial Group reported strong Q3 2026 results, with EPS growth of 8.5% sequentially and 34% year-over-year, and an improved ROTCE of 15.1%. The company achieved record total revenues...

    Benzinga•10/16/26•Bullish

    CFG Valuation and Fair Value

    P/E
    13.8x
    Forward P/E
    9.9x
    EV/EBITDA
    9.6x
    P/FCF
    11.4x
    PEG
    1.6x
    P/B
    1.1x
    See GNG's fair value

    CFG Profitability: Margins, ROIC and FCF

    Operating margin
    35.1%
    Net margin
    26.1%
    ROIC
    5.0%
    ROE
    8.3%
    FCF margin
    27.0%
    FCF yield
    8.8%

    CFG Competitors

    CompanyTicker
    W. R. Berkley CorpWRB
    Cincinnati Financial CorporationCINF
    Willis Towers Watson PLCWTW
    Synchrony FinancialSYF
    Nomura Holdings Inc ADRNMR
    Tradeweb Markets IncTW
    Prudential PLC ADRPUK
    First Citizens BancShares, Inc.FCNCA

    Sector: Financial Services

    CFG Analyst Ratings

    Consensus
    Buy
    Analysts
    18
    Strong Buy
    5
    Buy
    10
    Hold
    3
    Sell
    0
    Strong Sell
    0

    CFG Bull Case vs Bear Case

    Bull case

    • CFG converts 27.0% of revenue into free cash flow.
    • CFG has a 26.1% net profit margin.
    • CFG beat EPS estimates in 87.5% of its last 8 reported quarters.

    CFG Earnings: Beat Rate and Next Report

    Beat rate
    7 of 8 quarters (87.5%)
    Average surprise
    2.6%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $1.39
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    1 up, 0 down

    CFG Dividend

    Forward yield
    2.9%
    Payout ratio
    36.6%
    3Y DPS growth
    2.0%
    5Y DPS growth
    2.0%
    Pay months
    Feb, May, Aug, Nov
    CFG dividend history

    Frequently Asked Questions About CFG

    What is CFG's current dividend yield?

    Citizens Financial Group, Inc. (CFG) has a forward dividend yield of 2.90%.

    Does CFG pay dividends?

    Yes, Citizens Financial Group, Inc. pays dividends with a forward dividend yield of 2.90%.

    What is CFG's P/E ratio?

    Citizens Financial Group, Inc. has a price-to-earnings (P/E) ratio of 13.76.

    What is CFG's market cap?

    Citizens Financial Group, Inc. (CFG) has a market capitalization of $26.66B with a current stock price of $63.44.

    Related stocks

    Sector: Financial Services

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