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Citizens Financial Group, Inc. (CFG)

Financial Services | Banks - Regional | Providence, United States | NYSE
69.71 USD -0.47 (-0.670%) ⇩ (Aug. 28, 2026, 4 p.m. EDT)
After hours: 71.05 +1.34 (1.922%) ⇧ (Aug. 28, 2026, 7:58 p.m. EDT)
Short-term:★★★⯪☆Long-term:★★★⯪☆Dividends:★★★⯪☆
Hot Take ↕ | Aug. 22, 2026, 3:03 a.m. EDT

Citizens Financial Group presents a compelling value case with a forward P/E of roughly 10.7x and robust earnings growth of 41%, yet the stock remains trapped below its 200-day average, reflecting lingering institutional hesitation. The recent insider selling of $1.1 million adds a layer of caution, suggesting management sees limited immediate upside despite the attractive valuation. On the dividend front, the 2.64% yield is sustainable with a low payout ratio, though it lacks the aggressive growth needed to outpace inflation significantly. While the long-term fundamentals are solid with a fortress balance sheet and improving margins, the lack of a multi-year price surge keeps the long-term rating from reaching 'exceptional' status. For the short term, the technical setup is mixed; the stock is hovering near resistance, and while options flow hints at a push toward the $75-$80 zone, the weak statistical forecast and insider activity suggest a cautious approach rather than a high-conviction momentum play.
Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoTheta ✓0.094409
AutoETS0.106785
AutoARIMA0.106785
MSTL0.108854

Forecast horizon: 45 days | Selected: AutoTheta

Forecast Reliability
Score 41%
H-stat 6.11
Ljung-Box p 0.000
Jarque-Bera p 0.016
Excess Kurtosis 0.32
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-07-29
Last Dividend Date 2026-07-29
Revenue per Share 19.102
Market Cap 29,360,234,496
Trailing P/E 15.19
Forward P/E 10.68
Beta 1.01
Profit Margins 26.05%
Website https://www.citizensbank.com

As of Aug. 22, 2026, 3:03 a.m. EDT: Speculators are positioning for a moderate upside move, evidenced by heavy call volume at strikes 72.5 and 75.0 for the September expiration, where volume significantly exceeds open interest. However, there is a distinct defensive hedge layer with substantial put open interest at lower strikes (57.5, 65.0) for October and January expirations, suggesting a floor is expected around 60-65. Implied volatility is elevated for longer-dated contracts compared to near-term, indicating uncertainty about the path to the 80-90 analyst targets.

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.64% 2.95% 4.02% 4.14%
Dividend History
Date Dividend Yield %
2026-07-30 0.46 0.641294
2026-04-30 0.46 0.707148
2026-02-04 0.46 0.690691
2025-10-29 0.46 0.912155
2025-07-31 0.42 0.880134
2025-04-30 0.42 1.138520
2025-01-31 0.42 0.882909
2024-10-30 0.42 0.983607
2024-07-31 0.42 0.984298
2024-04-30 0.42 1.231310
2024-01-30 0.42 1.224133
2023-10-31 0.42 1.792574
2023-08-01 0.42 1.350482
2023-05-02 0.42 1.559599
2023-01-30 0.42 0.993143
2022-11-01 0.42 1.038576
2022-08-01 0.42 1.117616
2022-05-02 0.39 0.989848
2022-01-28 0.39 0.754352
2021-10-28 0.39 0.814196
2021-07-29 0.39 0.910152
2021-04-28 0.39 0.844521
2021-02-02 0.39 1.026046
2020-10-27 0.39 1.462866
2020-07-28 0.39 1.612903
2020-04-28 0.39 1.749663
2020-01-28 0.39 1.026046
2019-10-29 0.36 1.007557
2019-07-30 0.36 0.956429
2019-04-30 0.32 0.883978
2019-01-30 0.32 0.925658
2018-10-30 0.27 0.743187
2018-07-31 0.27 0.678733
2018-05-01 0.22 0.537241
2018-01-31 0.22 0.479303
2017-10-31 0.18 0.473560
2017-07-31 0.18 0.513113
2017-05-01 0.14 0.377054
2017-01-31 0.14 0.387061
2016-10-31 0.12 0.455581
2016-08-01 0.12 0.540541
2016-05-02 0.12 0.520382
2016-02-02 0.10 0.494805
2015-11-03 0.10 0.409500
2015-07-30 0.10 0.377501
2015-05-01 0.10 0.384911
2015-02-03 0.10 0.411692
2014-11-04 0.10 0.423729
Additional Data
dividendRate 1.84
dividendYield 2.62
exDividendDate 2026-07-30
trailingAnnualDividendRate 1.8
trailingAnnualDividendYield 0.025648331
lastDividendValue 0.46
lastDividendDate 2026-07-30
dividendDate 2026-08-13

Info Dump

Attribute Value
52 Week Change 0.3600775
Address1 One Citizens Plaza
All Time High 75.33
All Time Low 14.12
Ask 69.96
Ask Size 300
Audit Risk 3
Average Analyst Rating 1.6 - Buy
Average Daily Volume10 Day 2,577,520
Average Daily Volume3 Month 4,235,240
Average Volume 4,235,240
Average Volume10Days 2,577,520
Beta 1.006
Bid 69.95
Bid Size 200
Board Risk 6
Book Value 56.951
City Providence
Compensation As Of Epoch Date 1,483,142,400
Compensation Risk 6
Country United States
Crypto Tradeable 0
Currency USD
Current Price 69.71
Custom Price Alert Confidence HIGH
Date Short Interest 1,786,665,600
Day High 70.945
Day Low 69.67
Display Name Citizens Financial
Dividend Date 1,786,579,200
Dividend Rate 1.84
Dividend Yield 2.62
Earnings Call Timestamp End 1,792,180,800
Earnings Call Timestamp Start 1,792,180,800
Earnings Growth 0.413
Earnings Quarterly Growth 0.346
Earnings Timestamp 1,792,153,800
Earnings Timestamp End 1,792,153,800
Earnings Timestamp Start 1,792,153,800
Ebitda Margins 0.0
Enterprise To Revenue 4.16
Enterprise Value 33,953,232,896
Eps Current Year 5.30312
Eps Forward 6.52472
Eps Trailing Twelve Months 4.59
Esg Populated 0
Ex Dividend Date 1,785,369,600
Exchange NYQ
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 71.3314
Fifty Day Average Change -1.6213989
Fifty Day Average Change Percent -0.022730509
Fifty Two Week Change Percent 36.00775
Fifty Two Week High 75.33
Fifty Two Week High Change -5.6200027
Fifty Two Week High Change Percent -0.07460511
Fifty Two Week Low 47.955
Fifty Two Week Low Change 21.754997
Fifty Two Week Low Change Percent 0.45365438
Fifty Two Week Range 47.955 - 75.33
Financial Currency USD
First Trade Date Milliseconds 1,411,565,400,000
Five Year Avg Dividend Yield 4.1
Float Shares 417,028,197
Forward Eps 6.52472
Forward P E 10.683983
Full Exchange Name NYSE
Full Time Employees 17,727
Fullday Change -0.470001
Fullday Change Percent -0.669708
Fullday Price 71.05
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,785,542,400
Gross Margins 0.0
Gross Profits 8,160,999,936
Has Pre Post Market Data 1
Held Percent Insiders 0.00715
Held Percent Institutions 1.00457
Implied Shares Outstanding 421,176,788
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 0
Language en-US
Last Dividend Date 1,785,369,600
Last Dividend Value 0.46
Last Fiscal Year End 1,767,139,200
Long Business Summary Citizens Financial Group, Inc. operates as the bank holding company that provides retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations, and institutions in the United States. The company operates through two segments, Consumer Banking and Commercial Banking. The Consumer Banking segment offers deposit products, mortgage and home equity lending products, credit cards, business loans, and wealth management services; and education and point-of-sale finance loans, as well as digital deposit products. This segment serves its customers through telephone service centers, as well as through its online and mobile platforms. The Commercial Banking segment provides various financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange, and interest rate and commodity risk management solutions, as well as syndicated loans, corporate finance, mergers and acquisitions, and debt and equity capital markets services. The company serves customers and small businesses, high- and ultra-high-net-worth individuals and families, as well as investors, entrepreneurs, and companies and institutions, as well as multifamily, office, industrial, retail, healthcare, and hospitality sectors. The company was formerly known as RBS Citizens Financial Group, Inc. and changed its name to Citizens Financial Group, Inc. in April 2014. Citizens Financial Group, Inc. was founded in 1828 and is headquartered in Providence, Rhode Island.
Long Name Citizens Financial Group, Inc.
Market us_market
Market Cap 29,360,234,496
Market State CLOSED
Max Age 86,400
Message Board Id finmb_46051729
Most Recent Quarter 1,782,777,600
Net Income To Common 1,984,000,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 29,558,186,981
Number Of Analyst Opinions 17
Open 70.65
Operating Cashflow 2,500,999,936
Operating Margins 0.35132998
Overall Risk 6
Payout Ratio 0.39220002
Peg Ratio 1.65
Phone 203 900 6715
Post Market Change 1.340004
Post Market Change Percent 1.922255
Post Market Price 71.05
Post Market Time 1,787,961,537
Previous Close 70.18
Price Eps Current Year 13.145091
Price Hint 2
Price To Book 1.2240347
Price To Sales Trailing12 Months 3.5976272
Profit Margins 0.26051
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key buy
Recommendation Mean 1.61111
Region US
Regular Market Change -0.470001
Regular Market Change Percent -0.669708
Regular Market Day High 70.945
Regular Market Day Low 69.67
Regular Market Day Range 69.67 - 70.945
Regular Market Open 70.65
Regular Market Previous Close 70.18
Regular Market Price 69.71
Regular Market Time 1,787,947,203
Regular Market Volume 2,375,901
Return On Assets 0.0094
Return On Equity 0.08270001
Revenue Growth 0.147
Revenue Per Share 19.102
Sand P52 Week Change 0.20504117
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 7
Shares Outstanding 421,176,788
Shares Percent Shares Out 0.0001
Shares Short 43,115
Shares Short Previous Month Date 1,784,073,600
Shares Short Prior Month 51,861
Short Name Citizens Financial Group, Inc.
Short Percent Of Float 0.0001
Short Ratio 0.01
Source Interval 15
State RI
Symbol CFG
Target High Price 90.0
Target Low Price 70.0
Target Mean Price 80.82353
Target Median Price 81.0
Total Cash 13,866,999,808
Total Cash Per Share 32.924
Total Debt 16,348,999,680
Total Revenue 8,160,999,936
Tradeable 0
Trailing Annual Dividend Rate 1.8
Trailing Annual Dividend Yield 0.025648331
Trailing Eps 4.59
Trailing P E 15.187363
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 63.46555
Two Hundred Day Average Change 6.2444496
Two Hundred Day Average Change Percent 0.09839117
Type Disp Equity
Volume 2,375,901
Website https://www.citizensbank.com
Zip 2,903