Citizens Financial Group (CFG) Stock Price

Citizens Financial Group Price

NYSE·CLOSED
73.73USD-0.11 (-0.16 %)
Market closed

Over the last 14 years Citizens Financial Group grew revenue by 2.7% annually, reaching 7.34 B USD. Earnings per share have grown at 11.6% per year over the last 14 years. For Citizens Financial Group, the net margin of 25.0% is down versus 34.9% a few years ago. At today's price the dividend yield works out to roughly 2.33%. The payout ratio is around 41% of earnings. The dividend has grown at 29.5% per year over the past 11 years. The consensus 12-month price target for Citizens Financial Group is 72.42 USD, about 1.8% below where the stock trades today. Of 26 analysts, 23 rate the stock a buy — an overall Buy consensus. The stock trades about 58% above its 52-week low.

Citizens Financial Group stock price

Volume
Ex-Dividend
Details

Stock Price

ⓘ

How to Read This Chart

This chart tracks the historical stock price of Citizens Financial Group over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.

Total Return vs. Price Return

The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.

Intraday Price Data

When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how Citizens Financial Group stock reacts to market openings, earnings releases, or breaking news throughout the trading session.

What to Look For

Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing Citizens Financial Group's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.

Citizens Financial Group Stock Price History
DateCitizens Financial Group Price
8/5/202673.73 USD
8/4/202673.85 USD
8/3/202672.70 USD
7/31/202671.65 USD
7/30/202671.73 USD
7/29/202672.45 USD
7/27/202671.77 USD
7/23/202671.80 USD
7/22/202672.44 USD
7/21/202672.00 USD
7/20/202671.50 USD
7/17/202672.39 USD
7/16/202674.40 USD
7/15/202671.12 USD
7/14/202670.32 USD
7/13/202670.19 USD
7/10/202670.34 USD
7/9/202669.86 USD
7/8/202670.18 USD
7/7/202671.78 USD
7/6/202671.70 USD
7/2/202670.98 USD
7/1/202671.82 USD
6/30/202670.07 USD
6/29/202670.29 USD
6/26/202670.40 USD
6/25/202670.66 USD
6/24/202669.46 USD
6/23/202668.99 USD
6/22/202668.35 USD
6/18/202667.13 USD
6/17/202667.69 USD
6/16/202666.85 USD
6/15/202667.26 USD
6/12/202667.71 USD
6/11/202665.26 USD
6/10/202665.76 USD
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6/5/202664.49 USD
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5/29/202662.08 USD
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3/18/202657.05 USD
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3/15/202656.36 USD
3/13/202655.64 USD
3/12/202655.64 USD
3/11/202656.94 USD
3/10/202658.51 USD
3/9/202658.89 USD
3/8/202658.31 USD
3/6/202658.04 USD
3/5/202658.04 USD
3/4/202659.54 USD
3/3/202660.20 USD
3/2/202659.68 USD
3/1/202661.09 USD
2/27/202660.19 USD
2/26/202660.19 USD
2/25/202663.86 USD
2/24/202663.06 USD
2/23/202662.07 USD
2/22/202662.49 USD
2/20/202665.29 USD
2/19/202665.29 USD
2/18/202664.59 USD
2/17/202665.04 USD
2/16/202664.39 USD
2/13/202665.10 USD
2/12/202665.10 USD
2/11/202664.78 USD
2/10/202666.86 USD
2/9/202667.55 USD
2/8/202667.70 USD
2/6/202668.12 USD
2/5/202668.12 USD
2/4/202666.62 USD
2/3/202666.60 USD
2/2/202665.97 USD
2/1/202664.86 USD
1/30/202662.98 USD
1/29/202662.98 USD
1/28/202663.49 USD
1/27/202662.92 USD
1/26/202663.42 USD
1/25/202662.52 USD
1/23/202662.64 USD
1/22/202662.64 USD
1/21/202664.25 USD
1/20/202664.06 USD
1/19/202659.81 USD
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1/13/202659.93 USD
1/12/202659.78 USD
1/11/202660.20 USD
1/9/202660.53 USD
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1/7/202661.23 USD
1/6/202660.99 USD
1/5/202662.14 USD
1/4/202661.05 USD
1/2/202659.39 USD
1/1/202659.39 USD
12/31/202558.41 USD
12/30/202558.41 USD
12/29/202558.95 USD
12/28/202559.14 USD
12/26/202559.83 USD
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12/24/202559.86 USD
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12/22/202559.51 USD
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11/26/202553.98 USD
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11/21/202552.30 USD
11/20/202552.30 USD
11/19/202550.70 USD
11/18/202551.16 USD
11/17/202550.43 USD
11/16/202549.71 USD
11/14/202551.69 USD
11/13/202551.69 USD
11/12/202551.71 USD
11/11/202552.66 USD
11/10/202552.24 USD
11/9/202552.35 USD
11/7/202551.70 USD
11/6/202551.70 USD
11/5/202550.90 USD
11/4/202551.44 USD
11/3/202550.73 USD
11/2/202551.01 USD
10/31/202550.87 USD
10/30/202550.87 USD
10/29/202550.57 USD
10/28/202550.43 USD
10/27/202551.33 USD
10/26/202551.91 USD
10/23/202552.18 USD
10/22/202550.96 USD
10/21/202550.62 USD
10/20/202550.83 USD
10/19/202550.29 USD
10/16/202549.31 USD
10/15/202548.39 USD
10/14/202551.70 USD
10/13/202551.80 USD
10/12/202550.25 USD
10/9/202549.25 USD
10/8/202551.85 USD
10/7/202552.01 USD
10/6/202553.13 USD
10/5/202554.00 USD
10/2/202553.82 USD
10/1/202552.98 USD
9/30/202552.74 USD
9/29/202553.16 USD
9/28/202553.65 USD
9/25/202553.38 USD
9/24/202552.89 USD
9/23/202553.15 USD
9/22/202553.11 USD
9/21/202552.55 USD
9/18/202553.55 USD
9/17/202553.64 USD
9/16/202552.27 USD
9/15/202551.13 USD
9/14/202551.34 USD
9/11/202551.82 USD
9/10/202551.76 USD
9/9/202551.81 USD
9/8/202551.71 USD
9/7/202551.70 USD
9/4/202551.71 USD
9/3/202552.51 USD
9/2/202551.67 USD
9/1/202551.60 USD
8/28/202552.28 USD
8/27/202552.16 USD
8/26/202551.90 USD
8/25/202551.31 USD
8/24/202550.69 USD
8/21/202550.77 USD
8/20/202548.46 USD
8/19/202548.81 USD
8/18/202548.39 USD
8/17/202548.54 USD
8/14/202548.28 USD
8/13/202549.21 USD
8/12/202548.55 USD
8/11/202548.14 USD
8/10/202546.93 USD
8/7/202547.28 USD
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Citizens Financial Group Revenue, Pre-Provision Profit, Net Income

  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Revenue
Pre-Provision Profit
Net Income
Details
Date
Revenue
Pre-Provision Profit
Net Income
Jan 1, 2022
8.02 B USD
3.13 B USD
2.07 B USD
Jan 1, 2023
8.22 B USD
2.72 B USD
1.61 B USD
Jan 1, 2024
7.79 B USD
2.56 B USD
1.51 B USD
Jan 1, 2025
7.34 B USD
2.03 B USD
1.83 B USD
Jan 1, 2026 (e)
9.18 B USD
0.00 USD
2.32 B USD
Jan 1, 2027 (e)
9.97 B USD
0.00 USD
2.84 B USD
Jan 1, 2028 (e)
10.53 B USD
0.00 USD
3.26 B USD
Jan 1, 2029 (e)
7.24 B USD
0.00 USD
2.51 B USD

Citizens Financial Group Income Statement, Balance Sheet, Cash Flow Statement

Last updated Aug 7, 2026, 3:13 PM
 
REVENUEB USD
REVENUE GROWTH%
GROSS MARGIN%
GROSS INCOMEB USD
Net Interest IncomeB USD
Non-Interest IncomeB USD
Loan Loss ProvisionsM USD
Pre-Provision Profit (PPOP)B USD
NET INCOMEB USD
NET INCOME GROWTH%
DIV.USD
DIV. GROWTH%
SHARESM
2014201520162017201820192020202120222023202420252026e2027e2028e2029e
5.055.285.766.457.358.077.686.999.0712.1912.3511.159.189.9710.537.24
-1.544.399.2311.9913.949.68-4.84-8.9929.8234.381.31-9.71-17.648.585.57-31.26
86.5185.7184.7883.4578.9075.6068.90101.0383.2261.8457.5669.7569.7569.7569.7569.75
4.374.524.895.395.806.105.297.067.557.547.117.786.406.957.345.05
3.303.403.764.174.534.614.594.516.016.245.635.85––––
1.681.421.501.531.601.882.322.142.011.982.161.49––––
319.00302.00369.00321.00326.00393.00693.00-411.00474.00687.00687.00608.00––––
1.591.571.902.232.512.641.992.573.132.722.562.03––––
0.870.841.051.651.721.791.062.322.071.611.511.832.322.843.262.51
-125.25-2.8924.4058.094.184.07-40.98119.39-10.61-22.43-6.1621.3426.4322.5514.91-23.10
0.400.400.460.640.981.361.561.561.621.681.681.721.841.881.91–
––15.0039.1353.1238.7814.71–3.853.70–2.386.982.171.60–
550.68530.28513.90493.79469.10436.50428.88426.87495.48468.16444.84435.47435.47435.47435.47435.47
Details

Income Statement Key Figures

ⓘ

Revenue and Revenue Growth

Revenue is the starting point of every income statement — it measures the total sales Citizens Financial Group generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.

Gross Margin

Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue Citizens Financial Group retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare Citizens Financial Group's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.

EBIT and EBIT Margin

EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.

Net Income and Earnings Per Share (EPS)

Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.

Shares Outstanding

The total number of shares Citizens Financial Group has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.

Analyst Estimates

The projected figures represent consensus estimates from professional analysts. Compare these forecasts against Citizens Financial Group's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.

Citizens Financial Group stock margins

The Citizens Financial Group margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Citizens Financial Group. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Citizens Financial Group.

  • 3 Years

  • 5 Years

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  • 25 Years

  • Max

Cost-Income Ratio
Profit margin
Details
Date
Cost-Income Ratio
Profit margin
Jan 1, 2021
61.40 %
34.89 %
Jan 1, 2022
60.99 %
25.84 %
Jan 1, 2023
66.96 %
19.55 %
Jan 1, 2024
67.15 %
19.36 %
Jan 1, 2025
72.38 %
24.95 %
Jan 1, 2026 (e)
0.00 %
25.22 %
Jan 1, 2027 (e)
0.00 %
28.46 %
Jan 1, 2028 (e)
0.00 %
30.97 %

Citizens Financial Group Revenue per Share, Earnings per Share

The Citizens Financial Group earnings per share therefore indicates how much revenue Citizens Financial Group has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Revenue per Share
Earnings per Share
Details
Date
Revenue per Share
Earnings per Share
Jan 1, 2021
15.57 USD
5.43 USD
Jan 1, 2022
16.19 USD
4.18 USD
Jan 1, 2023
17.57 USD
3.43 USD
Jan 1, 2024
17.52 USD
3.39 USD
Jan 1, 2025
16.85 USD
4.20 USD
Jan 1, 2026 (e)
21.02 USD
5.30 USD
Jan 1, 2027 (e)
22.82 USD
6.50 USD
Jan 1, 2028 (e)
24.09 USD
7.46 USD

Citizens Financial Group business model & stock analysis

Citizens Financial Group Inc is a bank holding company based in Providence, Rhode Island, USA. It was founded in 1828 and was originally known as High Street Bank. Since then, the bank has undergone numerous changes and is now one of the largest banks in the USA. The business model of Citizens Financial Group is focused on providing financial services and products to individuals, businesses, and institutions. The banking group is divided into two main business segments, namely consumer banking and commercial banking. Each of these business segments has a different focus and offers specific products and services. In consumer banking, Citizens Financial Group offers a variety of products and services for individuals. This includes checking and savings accounts, credit and debit cards, home loans, personal loans, online and mobile banking, and various types of insurance. In commercial banking, Citizens Financial Group specializes in business customers and offers various products and services for companies. This includes business loans, trade finance, cash management solutions, treasury services, and international transactions. Citizens Financial Group also operates an asset management division that helps its customers with the management and administration of their assets. Asset management includes asset management, fiduciary services, trust and investment management, and financial planning. Citizens Financial Group also has a student loans division. This division offers a range of student financing solutions, including private and federal loans, consolidation options, and even refinancing options for student loans taken out during studies. In addition to the above-mentioned products and services, Citizens Financial Group also operates an online bank called Citizens Access. This is a purely online bank that offers exclusively online services. Customers can open an account with Citizens Access through the website or mobile app and access various online services. Citizens Financial Group also operates a network of branches and ATMs located throughout the USA. Through this extensive network, the banking group offers its customers a convenient way to access all their financial services in one place. Overall, Citizens Financial Group offers a wide range of products and services that cater to the needs of individuals, businesses, and institutions. With a focus on customer orientation, service, and innovation, the banking group has received many awards and recognition over the years. Although the banking sector has undergone significant changes in recent years and continues to evolve, Citizens Financial Group continues to position itself as a strong and reliable banking group. With a strong focus on customer satisfaction, advanced technology, and a variety of products and services, Citizens Financial Group is an excellent choice for anyone seeking comprehensive financial solutions.

Citizens Financial Group SWOT Analysis

Strengths

Citizens Financial Group Inc has a strong market position and brand recognition in the financial industry. It has a wide range of products and services catering to various customer segments. The company has a robust customer base and a strong network of branches and ATMs.

Citizens Financial Group Inc also has a strong capital position and financial stability, enabling it to withstand economic downturns and invest in growth opportunities. The company has a talented workforce and emphasizes on building customer relationships and delivering high-quality services.

Weaknesses

One of the weaknesses of Citizens Financial Group Inc is its limited geographic presence compared to some of its competitors. This restricts its market reach and potential customer base, making it vulnerable to regional economic fluctuations. The company also faces intense competition from other financial institutions.

Additionally, Citizens Financial Group Inc may encounter operational inefficiencies due to its complex organizational structure, which can slow decision-making processes. It must continuously strive to improve efficiency and streamline operations to remain competitive.

Opportunities

Citizens Financial Group Inc can explore opportunities for expansion into new markets, either through acquisitions or organic growth. It can also leverage advancements in technology and digital banking to enhance its customer experience, attract tech-savvy customers, and improve operational efficiency.

The company can also focus on developing innovative financial products and services to cater to changing customer needs and preferences. Moreover, there may be opportunities for partnerships or collaborations with fintech companies to enhance its digital capabilities and extend its reach.

Threats

Citizens Financial Group Inc faces various external threats, including changing regulatory requirements and compliance costs. Economic instability and fluctuations in interest rates can also impact the company's profitability and asset quality. The increasing threat of cybersecurity breaches and data theft poses a risk to the company's reputation and customer trust.

Furthermore, the competitive landscape in the financial industry is evolving rapidly, with new entrants and disruptive technologies shaking up traditional banking models. Citizens Financial Group Inc needs to adapt to these changes and stay ahead of the competition to ensure long-term success.

Citizens Financial Group Employees

  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Citizens Financial Group Employees
Details
Date
Citizens Financial Group Employees
Jan 1, 2018
- Employees
Jan 1, 2019
- Employees
Jan 1, 2020
- Employees
Jan 1, 2021
- Employees
Jan 1, 2022
- Employees
Jan 1, 2023
- Employees
Jan 1, 2024
- Employees
Jan 1, 2025
- Employees

Citizens Financial Group Segments

Citizens Financial Group Revenue by Segment (1/4)

  • 3 Years

  • 5 Years

  • Max

Wealth fees
Trust and investment services fees
Details
Date
Wealth fees
Trust and investment services fees
Jan 1, 2015
0.00 USD
0.00 USD
Jan 1, 2016
0.00 USD
0.00 USD
Jan 1, 2019
0.00 USD
0.00 USD
Jan 1, 2020
0.00 USD
203.00 M USD
Jan 1, 2021
0.00 USD
239.00 M USD
Jan 1, 2022
0.00 USD
250.00 M USD
Jan 1, 2023
0.00 USD
259.00 M USD
Jan 1, 2024
294.00 M USD
0.00 USD

Citizens Financial Group Revenue by Segment (2/4)

  • 3 Years

  • 5 Years

  • Max

Capital markets fees
Service charges and fees
Card fees
Trust and investment services fees
Other banking fees
Details
Date
Capital markets fees
Service charges and fees
Card fees
Trust and investment services fees
Other banking fees
Jan 1, 2015
0.00 USD
0.00 USD
0.00 USD
0.00 USD
0.00 USD
Jan 1, 2016
0.00 USD
0.00 USD
0.00 USD
0.00 USD
0.00 USD
Jan 1, 2019
202.00 M USD
503.00 M USD
254.00 M USD
202.00 M USD
11.00 M USD
Jan 1, 2020
249.00 M USD
401.00 M USD
216.00 M USD
0.00 USD
11.00 M USD
Jan 1, 2021
419.00 M USD
407.00 M USD
248.00 M USD
0.00 USD
12.00 M USD
Jan 1, 2022
341.00 M USD
418.00 M USD
271.00 M USD
0.00 USD
19.00 M USD
Jan 1, 2023
293.00 M USD
409.00 M USD
291.00 M USD
0.00 USD
14.00 M USD
Jan 1, 2024
445.00 M USD
417.00 M USD
362.00 M USD
0.00 USD
15.00 M USD

Citizens Financial Group Revenue by Segment (3/4)

  • 3 Years

  • Max

Consumer Banking
Commercial Banking
Details
Date
Consumer Banking
Commercial Banking
Jan 1, 2015
0.00 USD
0.00 USD
Jan 1, 2016
0.00 USD
0.00 USD
Jan 1, 2019
0.00 USD
0.00 USD
Jan 1, 2020
0.00 USD
0.00 USD
Jan 1, 2021
757.00 M USD
568.00 M USD
Jan 1, 2022
0.00 USD
0.00 USD
Jan 1, 2023
783.00 M USD
482.00 M USD
Jan 1, 2024
869.00 M USD
639.00 M USD

Citizens Financial Group Revenue by Segment (4/4)

  • 3 Years

  • 5 Years

  • 10 Years

  • Max

Consumer Banking
Commercial Banking
Other
Non-Core
Other Segments
Details
Date
Consumer Banking
Commercial Banking
Other
Non-Core
Other Segments
Jan 1, 2015
3.11 B USD
1.58 B USD
139.00 M USD
0.00 USD
0.00 USD
Jan 1, 2016
3.33 B USD
1.75 B USD
175.00 M USD
0.00 USD
0.00 USD
Jan 1, 2019
818.00 M USD
354.00 M USD
0.00 USD
0.00 USD
0.00 USD
Jan 1, 2020
690.00 M USD
390.00 M USD
0.00 USD
0.00 USD
0.00 USD
Jan 1, 2021
0.00 USD
0.00 USD
0.00 USD
0.00 USD
0.00 USD
Jan 1, 2022
769.00 M USD
526.00 M USD
0.00 USD
0.00 USD
0.00 USD
Jan 1, 2023
0.00 USD
0.00 USD
0.00 USD
0.00 USD
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Jan 1, 2024
0.00 USD
0.00 USD
0.00 USD
0.00 USD
0.00 USD

Citizens Financial Group Eulerpool Fair Value

Details

Fair Value Estimate

ⓘ

What Is Fair Value?

Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.

Earnings-Based Fair Value

Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.

Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021

Revenue-Based Fair Value

Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"

Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021

Dividend-Based Fair Value

Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.

Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021

How to Use This Chart

When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.

Citizens Financial Group historical P/E ratio, EBIT multiple, and P/S ratio

Citizens Financial Group annual returns

Details

Annual Return

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What This Chart Shows

This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.

Price Return

Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.

Dividend Return

Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.

What to Look For

Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.

Citizens Financial Group shares outstanding

The number of shares of Citizens Financial Group was 435.47 M in 2025. This indicates how many shares Citizens Financial Group is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.

  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Number of stocks
Details
Date
Number of stocks
Jan 1, 2021
426.87 M Stocks
Jan 1, 2022
495.48 M Stocks
Jan 1, 2023
468.16 M Stocks
Jan 1, 2024
444.84 M Stocks
Jan 1, 2025
435.47 M Stocks
Jan 1, 2026 (e)
435.47 M Stocks
Jan 1, 2027 (e)
435.47 M Stocks
Jan 1, 2028 (e)
435.47 M Stocks

Citizens Financial Group Dividend History

13 years of dividend payments

YearAnnual DividendYoY ChangePayments
20260.92USDYTD—2×
Feb 4, 20260.46USD 0.0%1/2
Apr 30, 20260.46USD 0.0%2/2
20251.72USD↑ 2.4%4×
Jan 31, 20250.42USD 0.0%1/4
Apr 30, 20250.42USD 0.0%2/4
Jul 31, 20250.42USD 0.0%3/4
Oct 29, 20250.46USD↑ 9.5%4/4
20241.68USD 0.0%4×
20231.68USD↑ 3.7%4×
20221.62USD↑ 3.8%4×
20211.56USD 0.0%4×
20201.56USD↑ 14.7%4×
20191.36USD↑ 38.8%4×
20180.98USD↑ 53.1%4×
20170.64USD↑ 39.1%4×

Citizens Financial Group dividend history and estimates

In 2025, Citizens Financial Group paid a dividend amounting to 1.72 USD. Dividend means that Citizens Financial Group distributes a portion of its profits to its owners.

  • Max

Dividend
Dividend (Estimate)
Details
Date
Dividend
Dividend (Estimate)
Jan 1, 2021
1.56 USD
0.00 USD
Jan 1, 2022
1.62 USD
0.00 USD
Jan 1, 2023
1.68 USD
0.00 USD
Jan 1, 2024
1.68 USD
0.00 USD
Jan 1, 2025
1.72 USD
0.00 USD
Jan 1, 2026 (e)
0.92 USD
0.92 USD
Jan 1, 2027 (e)
0.00 USD
1.88 USD
Jan 1, 2028 (e)
0.00 USD
1.91 USD

Citizens Financial Group dividend payout ratio

In 2025, Citizens Financial Group had a payout ratio of 40.91%. The payout ratio indicates the percentage of the company's profits that Citizens Financial Group distributes as dividends.

  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Payout ratio
Details
Date
Payout ratio
Jan 1, 2021
28.72 %
Jan 1, 2022
38.72 %
Jan 1, 2023
48.91 %
Jan 1, 2024
49.52 %
Jan 1, 2025
40.91 %
Jan 1, 2026 (e)
34.72 %
Jan 1, 2027 (e)
28.89 %
Jan 1, 2028 (e)
25.64 %

Current Citizens Financial Group forecasts and price targets in August 2026

Analyst Price Targets 2026
Δ MOM Price Target
0.00 %
Buy
88.46 % (23)
Hold
11.54 % (3)
Sell
0.00 % (0)
12M Price Target
72.42
Last Price
72.43
Currency
USD
12M Return Potential
-0.01 %
LTM Return
0 %

Citizens Financial Group Analyst Rating Actions

DateFirmActionRatingReliability
7/29/2026
JP Morgan
JP Morgan
MaintainedOverweight80
7/21/2026
Truist Securities
Truist Securities
MaintainedHold–
7/20/2026
Citigroup
Citigroup
MaintainedBuy48
7/17/2026
Stephens & Co.
Stephens & Co.
MaintainedEqual Weight–
7/17/2026
RBC Capital
RBC Capital
MaintainedOutperform52
7/17/2026
Keefe, Bruyette & Woods
Keefe, Bruyette & Woods
MaintainedOutperform–
7/17/2026
Evercore ISI Group
Evercore ISI Group
MaintainedOutperform62
7/17/2026
DA Davidson
DA Davidson
MaintainedBuy–
7/17/2026
Barclays
Barclays
MaintainedOverweight33
7/17/2026
Baird
Baird
MaintainedNeutral–

Eulerpool Reliability Score (0–100): measures how often a firm’s bullish or bearish calls were directionally correct three months later, blended with the average return following its calls. Every rating we record is stored permanently and scores update continuously; firms with fewer than 3 measured calls are not scored yet.

Citizens Financial Group Earnings Calls

2025

Citizens Financial Group Earnings Estimates & Surprises

DateEPS estimateEPS ActualRevenue EstimatePrice reactionQuarterly report
7/16/20261.25USD-2.27 BUSD-2026 Q2
4/16/20261.10USD-2.18 BUSD-2026 Q1
1/21/20261.12USD-2.18 BUSD-2025 Q4
4/17/20240.79USD-1.98 BUSD-2024 Q1
1/17/20240.76USD-2.01 BUSD-2023 Q4
7/19/20231.29USD-2.31 BUSD-2023 Q2
4/19/20231.25USD-2.24 BUSD-2023 Q1
1/17/20231.33USD-2.26 BUSD-2022 Q4
10/19/20221.24USD-2.17 BUSD-2022 Q3
7/19/20220.84USD-2.02 BUSD-2022 Q2

EESG©

Eulerpool ESG Scorecard© for the Citizens Financial Group stock

81/100
76
Environment
83
Social
85
Governance
E

Environment

20
Scope 1 - Direct Emissions8,765
Scope 2 - Indirect emissions from purchased energy32,783
Scope 3 - Indirect emissions within the value chain18,033
Total CO₂ emissions41,548
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather—
Pesticides—
Palm Oil—
Tobacco
Genetically modified organisms
Climate concept—
Sustainable forestry—
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency
S

Social

20
Percentage of female employees56
Percentage of women in management—
Percentage of Asian employees—
Share of Asian management—
Percentage of Hispanic/Latino employees—
Hispano/Latino Management share—
Percentage of Black employees—
Black Management Share—
Percentage of white employees66.3
White Management Share75.9
Adult content
Alcohol
Weapons—
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept—
Occupational health and safety
Catholic
G

Governance (Corporate Governance)

4
Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

Citizens Financial Group shareholder structure

% Name
11.69338%
The Vanguard Group, Inc.
The Vanguard Group, Inc.
10.68919%
BLACKROCK, INC.
BLACKROCK, INC.
8.44301%
Capital World Investors
Capital World Investors
6.43514%
BlackRock Institutional Trust Company, N.A.
BlackRock Institutional Trust Company, N.A.
6.38696%
CAPITAL WORLD INVESTORS
CAPITAL WORLD INVESTORS
6.14910%
VANGUARD CAPITAL MANAGEMENT LLC
VANGUARD CAPITAL MANAGEMENT LLC
...

Citizens Financial Group Beneficial Ownership Filings (SEC 13D/G)

Free Float
99.0%
Float Shares
-
Shares Outstanding
-
StakeHolderFiling
11.50%
The Vanguard Group - 23-1945930
The Vanguard Group - 23-1945930
SEC ↗
10.80%
(1) BlackRock, Inc.
(1) BlackRock, Inc.
SEC ↗
8.90%
BlackRock, Inc.
BlackRock, Inc.
SEC ↗
7.80%
95-1411037
95-1411037
SEC ↗
7.34%
Vanguard Capital Management
Vanguard Capital Management
SEC ↗
6.60%
Capital World Investors
Capital World Investors
SEC ↗
5.60%
98-0557567
98-0557567
SEC ↗
4.80%
STATE STREET CORPORATION
STATE STREET CORPORATION
SEC ↗
0.20%
Wellington Management Group LLP
Wellington Management Group LLP
SEC ↗

Citizens Financial Group Executives and Management Board

24 members · avg. age 62 · 29 % women

BC

Mr. Brendan Coughlin

President

16.52 M USD

Management

BS

Mr. Bruce Van Saun (67)

Chairman of the Board, Chief Executive Officer · since 2013

10.63 M USD
SM

Ms. Susan La Monica (63)

Chief Human Resources Officer, Executive Vice President

2.67 M USD
AB

Mr. Aunoy Banerjee (47)

Chief Financial Officer, Executive Vice President

–
CS

Mr. Christopher Schnirel (53)

Executive Vice President, Chief Accounting Officer, Controller

–
MR

Mr. Michael Ruttledge (61)

Executive Vice President, Chief Information Officer, Head of Enterprise Security and Technology · since 2023

–
RS

Mr. Richard Stein (55)

Executive Vice President, Chief Risk Officer

–

Board of Directors

DM

Mr. Donald Mccree (63)

Senior Vice Chairman of the Executive Board, Chair of Commercial Banking

4.36 M USD
EK

Mr. Edward Kelly (72)

Lead Independent Director

323,313.00 USD
CC

Ms. Christine Cumming (72)

Independent Director

304,980.00 USD
WH

Mr. William Hankowsky (73)

Independent Director

276,647.00 USD
TA

Ms. Tracy Atkinson (60)

Independent Director

275,911.00 USD
LA

Mr. Lee Alexander (57)

Independent Director

274,980.00 USD

Citizens Financial Group Supply Chain

Citizens Financial Group Supply Chain

Correlation: how closely stock prices move together

Same directionNo relationOpposite
7 companies
#Nameβ 1YTrend
1
Cineplex
Supplier·Entertainment·CA
0.25
0.56
0.43
0.33
0.09
0.83
—
2
BTS Group B
Supplier·SE
0.21
0.25
-0.54
-0.35
-0.05
0.77
—
3
Visa Inc.
Customer·IT Services·US
-0.17
0.30
-0.11
0.10
-0.21
0.59
-0.17
#Nameβ 1YTrend
1
Cardtronics plc
Supplier·US
-0.05
-0.52
-0.84
-0.10
0.21
—
—
2
Mullen Automotive
Customer·Automobiles·US
0.32
0.74
0.44
0.25
-0.12
-0.24
—
3
Pegasystems
Supplier·Software·US
-0.26
0.80
0.74
0.66
0.11
-0.13
0.21
4
Bottomline Technologies
Supplier·Software·US
0.57
0.44
-0.35
0.01
0.19
0.07
—

Frequently asked questions about Citizens Financial Group

The business model of Citizens Financial Group Inc revolves around providing a wide range of banking and financial services to individuals, businesses, and institutions. As a commercial bank, Citizens Financial Group focuses on offering various banking products, including checking accounts, savings accounts, loans, mortgages, and credit cards. The company also provides wealth management, investment advisory, and insurance services to cater to its customers' financial needs. By combining extensive industry expertise, personalized solutions, and a customer-centric approach, Citizens Financial Group Inc aims to establish long-term relationships and help individuals and businesses achieve their financial goals.

Citizens Financial Group Inc is primarily active in the banking and financial services industry.

The main competitors of Citizens Financial Group Inc in the market include Bank of America, JPMorgan Chase, Wells Fargo, and PNC Financial Services.

Citizens Financial Group Inc. is a renowned financial institution with a rich history and impressive background. Originally established in 1828 as the High Street Bank in Providence, Rhode Island, the company has grown exponentially over the years. In 1871, it merged with Industrial National Bank, leading to further expansion and an enhanced presence within the banking industry. Today, Citizens Financial Group Inc. stands as one of the largest financial services companies in the United States, offering a comprehensive range of banking and financial solutions to customers nationwide. With its long-standing heritage and commitment to excellence, Citizens Financial Group Inc. is a trusted name in the banking sector.

Citizens Financial Group Inc has achieved several significant milestones. In 2020, the company marked its fifth consecutive year of record earnings, demonstrating its strong financial performance. Additionally, the bank has made notable strides in enhancing its digital capabilities, including the launch of seamless mobile banking services. Citizens Financial Group Inc has also prioritized customer-centric initiatives, such as improving accessibility and expanding branch networks. Furthermore, the company has successfully completed strategic acquisitions to broaden its reach and strengthen its position in the market. These achievements solidify Citizens Financial Group Inc as a leading financial institution dedicated to providing exceptional services to its customers.

Citizens Financial Group Inc is primarily present in the United States, serving customers across various regions. As a leading bank and financial services company, Citizens operates through its subsidiaries, including Citizens Bank, Charter One, and Citizens One. With a strong presence in major US markets, such as New England, the Mid-Atlantic, and the Midwest, Citizens Financial Group Inc offers a wide range of banking and financial solutions to individuals, businesses, and institutions across these regions.

Citizens Financial Group Inc represents strong values and a clear corporate philosophy. As a leading financial institution, Citizens is committed to delivering exceptional customer service, fostering relationships built on trust and integrity. The company focuses on innovation, providing innovative banking solutions, and leveraging technology to enhance the customer experience. Citizens aims to empower individuals and businesses, enabling them to achieve their financial goals and aspirations. With a customer-centric approach, Citizens prioritizes accountability and transparency, striving to maintain ethical standards in all its operations. Overall, Citizens Financial Group Inc is dedicated to making a positive impact on the financial well-being of its customers and the communities it serves.

Analysts currently set an average price target of 73.82 USD for the Citizens Financial Group stock (median: 72.42 USD), implying +1.9 % versus the latest price. The consensus is based on 26 analyst ratings.

Citizens Financial Group Analyst Price Targets 2026

26 analysts currently rate the Citizens Financial Group stock: 23 recommend buying, 3 holding and 0 selling. For 2026, analysts expect Citizens Financial Group to generate revenue of 9.18 B USD and earnings per share of 5.32 USD.

Citizens Financial Group Analyst Price Targets 2026

Converted at the current exchange rate, the Citizens Financial Group share trades at 63.95 EUR (73.73 USD).

The Citizens Financial Group share (CFG) is listed on 6 stock exchanges, including: NYSE (CFG-PE), Frankfurt (1C5.F), Düsseldorf (1C5.DU), London (0HYP.L), London (0HYP.L), SIX (Zürich) (1C5.SW).

Citizens Financial Group Inc is a US-based bank that offers a variety of financial services and products. The company operates in various divisions, including consumer banking, commercial banking, mortgage banking, wealth management, and investment banking. The consumer banking division provides a wide range of banking services, including checking accounts, savings accounts, credit cards, personal loans, and mortgages. It also offers mobile banking services to make it easier for customers to access their accounts. This division primarily caters to individuals and small businesses. The commercial banking division specializes in customized solutions for medium and large businesses. It provides solutions for payments, operating deposits, credit and financial services, and working capital management. This division caters to the needs of businesses in various industries such as real estate, construction, healthcare, and agriculture. The mortgage banking division offers a wide range of mortgage loans, including fixed rate mortgages, adjustable rate mortgages, jumbo mortgages, and refinancing. This division enables customers to purchase and build homes and also offers solutions for purchasing condominiums. The wealth management division offers a comprehensive range of financial services for asset management, including investment management, trust services, financial planning, and asset management. This division targets wealthy families, individuals, and institutions. The investment banking division focuses on the needs of companies and provides capital market financing, mergers and acquisitions, restructuring, and advisory services. This division enables companies to expand their business through strategic decision-making and efficient financing. Citizens Financial Group Inc aims to provide its customers with a seamless and highly reliable experience, regardless of the division they are in. The company has a customer-centric strategy that aims to offer targeted solutions and services to meet the requirements. The company also utilizes the latest technologies and innovative solutions to effectively serve its customers. Citizens Financial Group Inc has invested in mobile banking services, digital communication, and cloud computing to ensure its competitiveness. Overall, Citizens Financial Group Inc offers a comprehensive range of financial services and products to meet the needs of its customers and improve their business and finances. The company has a wide range of services, allowing it to target a larger audience and markets.

The expected revenue of Citizens Financial Group is 9.18 B USD. This figure is based on current financial data and reflects the company's business performance.

The expected profit of Citizens Financial Group is 2.32 B USD. The net profit reflects the company's profitability after deducting all expenses.

The price-to-earnings ratio (P/E) of Citizens Financial Group is currently 13.87. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the Citizens Financial Group stock.

The price-to-sales ratio (P/S) of Citizens Financial Group is currently 3.50. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the Citizens Financial Group stock.

The Eulerpool Quality Score for Citizens Financial Group is 5/10.

The ISIN of Citizens Financial Group is US1746101054. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.

The WKN of Citizens Financial Group is A12BD3. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.

The ticker of Citizens Financial Group is CFG. The ticker symbol is used to trade Citizens Financial Group shares on the stock exchange.

Over the past 12 months, Citizens Financial Group paid a dividend of 1.72 USD . This corresponds to a dividend yield of about 2.33 %. For the coming 12 months, Citizens Financial Group is expected to pay a dividend of 1.88 USD.

The current dividend yield of Citizens Financial Group is 2.33 %.

Citizens Financial Group pays a dividend, distributed in the months of , , , .

Citizens Financial Group paid dividends every year for the past 12 years.

For the upcoming 12 months, dividends amounting to 1.88 USD are expected. This corresponds to a dividend yield of 2.54 %.

Citizens Financial Group is assigned to the 'Finance' sector.

In the year 2025, Citizens Financial Group distributed 1.68 USD as dividends.

The dividends of Citizens Financial Group are distributed in USD.

All fundamentals and in-depth analysis of Citizens Financial Group

Our stock analysis for Citizens Financial Group stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Citizens Financial Group. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.

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