Where it trades today
trading 70% of the way up its 52-week range
How the price has moved
What to weigh before acting
What Matters Now
- Credit quality, deposit stability, and how management navigates the rate cycle usually drive the next rerating.
- CFG trades at 14.6x earnings, well above the financial services average of 12.5x, so the market is already pricing in above-consensus execution.
- CFG carries a beta of 1.00, which means the stock should be judged on how it affects total portfolio swings, not just on standalone upside.
- CFG remains in a bearish short-term trend and sits 11.0% below its high, which raises the bar for any thesis that depends on fast multiple expansion.
Portfolio Use Case
- CFG is more relevant for investors who want some income support alongside price appreciation, not just pure growth exposure.
- The risk profile looks balanced enough for a diversified core-plus portfolio, provided the position size reflects sector concentration.
- The stock becomes more useful when paired with an explicit catalyst watchlist, because sector sentiment can shift quickly around policy, rates, or pipeline news.
What Would Change the View
- A reset in earnings expectations or a faster peer catch-up could compress the premium valuation currently embedded in CFG.
- A recovery in price alone would not be enough to improve the view; the thesis needs confirmation from improving business or valuation signals.
- Volatility is already above the sector norm, so even a correct long-term thesis can be painful if the position size is too aggressive.
Methodology
- Price, market cap, beta, yield, and liquidity fields for CFG come from Yahoo Finance quote and summary data.
- 30-day volatility is calculated from recent daily returns and annualized using a 252-trading-day convention.
- Sector context uses stored benchmark averages for Financial Services so each page compares the ticker against a stable peer baseline rather than against the whole market.
- Peer comparisons use the Portfolio Terminal coverage set and highlight nearby listed alternatives such as JPM, BAC, WFC.
Sources
- Yahoo Finance quote dataopen →
Live quote, valuation, beta, yield, and volume fields used for CFG. Last refresh: Sep 18, 2026, 10:56 PM.
- Portfolio Terminal methodologyopen →
Explains how analytics, refresh cadence, and portfolio interpretation work across the product.
- Peer set and coverage context
Comparative context for this page is anchored around nearby tracked names such as JPM, BAC, WFC.
What Citizens Financial does
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.…
What analysts expect
CFG carries a buy consensus from 17 analysts, with an average price target of $81.47 versus $67.04 today (+21.5%). Targets are estimates and can move quickly after earnings.
Consensus aggregated by Yahoo Finance. Targets are estimates, not forecasts.
How the business is doing
CFG generated $8.16B in trailing revenue (14.7% year over year), with a 26.1% net margin, against $2.48B of net debt.
The numbers, year by year
| Fiscal year | Revenue | Gross profit | Operating income | Net income | EPS | Free cash flow |
|---|---|---|---|---|---|---|
| 2025 | $8.25B | — | — | $1.83B | $3.90 | $2.04B |
| 2024 | $7.81B | — | — | $1.51B | $3.05 | $1.88B |
| 2023 | $8.22B | — | — | $1.61B | $3.14 | $2.79B |
| 2022 | $8.02B | — | — | $2.07B | $4.12 | $3.99B |
When it reports next
Estimates aggregated by Yahoo Finance. Dates move and estimates change until the report lands.
How it sits in financial services
Sector covering banks, insurance, asset management, and fintech companies.
The companies it competes with
CFG beside the financial services names it is usually measured against.
What the chart is saying
Citizens Financial trades at $67.04, 11.0% below its 52-week high. With a beta of 1.00, it shows about average sensitivity to what the wider market does.
Questions people ask about it
Is CFG a good buy right now?
Citizens Financial trades at 14.6x earnings. This is below market average, potentially undervalued. Current risk level is Medium based on 24.6% volatility.
Does CFG pay dividends?
Yes, Citizens Financial offers a dividend yield of 2.73%. That is roughly $1.83 per share a year.
How volatile is CFG?
With 30-day annualized volatility of 24.6% and beta of 1.00, CFG is classified as Medium risk. The stock tends to be more stable than the market average.
What is the analyst price target for CFG?
The average analyst price target for Citizens Financial (CFG) is $81.47 based on 17 analyst estimates, about 21.5% above the current price of $67.04. The published range runs from $70.00 to $90.00.
How much revenue does CFG generate?
Citizens Financial reported $8.16B in trailing twelve-month revenue. Revenue growth is running at 14.7% year over year. Net margin sits at 26.1%. Figures are aggregated from company filings by Yahoo Finance and refresh on an hourly cadence.