Key facts, as of
As of October 7, 2026, Citizens Financial (CFG) trades at $64.09, up 18.7% over the past year. Its 52-week range runs from $47.96 to $75.33; the price is 14.9% below that high. It is 14.9% below its all-time high of $75.33, reached in August 2026. Over the 10 years to the end of September 2026, with dividends reinvested, it returned +275.4%, against +312.9% for the S&P 500 (SPY). It sits 1.7% below its 200-day average of $65.21, the usual sign of a long-term downtrend. Its 30-day volatility is 22.2% annualized, which we rate medium risk. It has a trailing P/E of 14.0 and a dividend yield of 2.87%.
Cite: Portfolio Terminal, "Citizens Financial (CFG) stock analysis", 2026-10-07. https://portfolio-terminal.com/analyse/cfg
Where it trades today
trading 59% of the way up its 52-week range
How the price has moved
How far it is from its record
Citizens Financial (CFG) is 14.9% below its all-time high of $75.33, reached in August 2026. Over the 10 years to the end of September 2026, with dividends reinvested, it returned +275.4%, against +312.9% for the S&P 500 (SPY).
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 is valued near its sector range at 14.0x earnings versus 12.5x for peers, so the next move likely needs a real earnings or guidance catalyst.
- CFG carries a beta of 1.06, 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 14.9% 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.
- The view would need revisiting if peers such as JPM, BAC, WFC start winning the marginal flow or posting cleaner operating momentum.
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: Oct 7, 2026, 9:55 AM.
- 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 $79.26 versus $64.09 today (+23.7%). 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.
Which ETFs hold it
CFG is in 7 of the 30 ETFs we track. It weighs most in XLF: 0.35% of the fund, holding #54 of 76.
Famous investors who hold it
CFG is in the latest 13F of 2 of the 15 famous investors we follow. George Soros (Soros Fund Management) holds the most of it: 0.25% of the portfolio, position #111 of 261, as of Q2 2026.
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
Slipped under its 50-day average inside a longer uptrend.
weakening- Price is 7.8% below its 50-day average and 1.7% below its 200-day.
- RSI at 33 is neither stretched nor washed out.
- The nearest ceiling is $66.24 (+3.4%), the nearest floor $60.04 (-6.3%).
A description of the chart, not advice. Indicators describe what the price has done; none of them knows what it does next.
Questions people ask about it
Is CFG a good investment in 2026?
Citizens Financial trades at a P/E ratio of 14.0, with medium volatility (22.2% annualized). Recent trend shows weakness.
What is the risk level of CFG?
Based on 30-day volatility of 22.2%, CFG has MEDIUM risk. Beta of 1.06 indicates higher sensitivity to market movements than average.
Does CFG pay dividends?
Yes, Citizens Financial has a dividend yield of 2.87%.
How far is CFG from its all-time high?
Citizens Financial is 14.9% below its all-time high of $75.33, reached in August 2026. Over the 10 years to the end of September 2026, with dividends reinvested, it returned +275.4%, against +312.9% for the S&P 500 (SPY).
Which ETFs hold CFG?
7 of the 30 popular ETFs we track hold Citizens Financial. The largest weights: XLF (0.35%), VYM (0.12%), VTV (0.10%), VOO (0.04%) and SPY (0.04%). Measured on each issuer's full holdings file, dated August 31 to September 24, 2026.
How much of VOO is CFG?
0.04%, as of August 31, 2026: CFG is holding #316 of 505 in Vanguard's file for VOO. $1,000 in VOO puts about $0.44 in Citizens Financial.
Which famous investors own CFG?
George Soros (0.25% of Soros Fund Management's 13F) and Ray Dalio (0.24% of Bridgewater Associates's 13F), according to their latest Form 13F filings with the SEC (Q2 2026). A 13F lists US long positions 45 days after the quarter ends, so it can be out of date.
What is the analyst price target for CFG?
The average analyst price target for Citizens Financial (CFG) is $79.26 based on 17 analyst estimates, about 23.7% above the current price of $64.09. The published range runs from $70.00 to $89.00.
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.
Compare CFG with anything
Five years side by side: what $10,000 became, how far each fell, whether they move together.