Reading the tape
NYSE: CFG
Citizens Financial Group, Inc.
Financial Services · Banks - Regional
Market Cap
$27.38B
52w High
$68.79
52w Low
$37.93
P/E
13.77
Volume
2.18M
Outstanding Shares
424.99M
Price vs Fundamentals
Why The Stock Is Moving
Mixed / unclearLow confidence
1Y Price: 72.75%Revenue (TTM): -6.94%FCF (TTM): 8.41%P/FCF: 69th pct
What changed
The stock rose 72.75% over the last year. Revenue declined 6.94% over the trailing twelve months. Operating margin moved from 15.89% to 22.26%. Free cash flow grew 8.41% over the trailing twelve months.
What the market seems to be pricing
The stock has moved higher against modestly improving underlying metrics. The operating data does not yet tell a clear story — the move may reflect sentiment, sector rotation, or macro factors rather than company-specific earnings power.
What would invalidate this read
Operating margin currently stands at 22.26%. A decisive move in revenue — currently down 6.94% — would be the clearest signal to resolve the ambiguity.
Company profile
Citizens Financial Group, Inc. operates as the bank holding company for Citizens Bank, National Association that provides retail and commercial banking products and services to individuals, small businesses, middle-market companies, corporations, and institutions in the United States.
CEOBruce Winfield Van Saun
SectorFinancial Services
IndustryBanks - Regional
Employees17,315
IPO dateSep 24, 2014
Valuation
Forward P/E—
EV/EBITDA8.82
Enterprise value$23.75B
Price / Book1.04
Stock splits
No stock splits recorded for this ticker.
Profitability & growth
Standard profitability metrics can be misleading for financial/insurance companies. GAAP requires unrealized investment gains/losses in net income (affecting ROE), and margins are blended across diverse business segments.
Income growth13.8%
Gross marginN/A
Operating margin29.94%▲12.70%vs FY2024
ROE6.96%▲11.83%vs FY2024
Analyst consensus
RatingBuy
Target price$72.42▲12.42%
31
Buy
6
Hold
1
Sell
Analyst ratings tend to be lagging indicators. Use as one signal among many.
Earnings
Full quarter-by-quarter history of actuals vs estimates. Switch into compare mode to inspect one metric year-over-year.
Next report
Jul 16, 2026
Q3 FY26 · EPS est $1.25 · Revenue est $2.25B
View
Dividends
$1.80/shareQuarterlyDividend Achiever · 10yrCFG pays a dividend with a 2.79% dividend yield, 10 consecutive years of growth.
Dividend Yield
2.79%
Annual Div / Share
$1.80
5yr CAGR
+2.9%
Payout Ratio
44.96%
Bank — specialized metrics apply
Dividend Growth Rate
3yr CAGR
+2.33%
5yr CAGR
+2.9%
10yr CAGR
+15.67%
Dividend History
Annualized dividend cycles per share
YearAnnual DivYoY
2026$1.80+7.1%
2025$1.68+0.0%
2024$1.68+0.0%
2023$1.68+7.7%
2022$1.56+0.0%
2021$1.56+4.0%
2020$1.50+27.1%
Income Projection
Invest
$
Growth rate:
Reinvest dividends
Today
$28/yr
$2/mo
In 5 yrs
$28/yr
$2/mo
In 10 yrs
$28/yr
$2/mo
| Today | In 5 yrs | In 10 yrs |
|---|---|---|
$28/yr $2/mo | $28/yr $2/mo | $28/yr $2/mo |
5yr and 10yr income use the current dividend with no growth assumption because bank payout growth depends on earnings cycles, regulation, and capital policy.
Analysis
Dividend Strengths
Dividend Achiever
CFG has raised its dividend for 10 consecutive years — qualifying as a Dividend Achiever, demonstrating long-term commitment to shareholder income.
Risks to Watch
No strong risk signal stands out from the latest period pair.