/CFG
CFG Stock - Citizens Financial Group, Inc.
Financial Services|Banks - RegionalNYSE
$59.19+1.34%
+$0.78 (+1.34%) • Dec 19
69
GoAI Score
GoAI Score
Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.HOLD
Medium Confidence
Momentum
Momentum Score
Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.95
Sentiment
Sentiment Score
Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).57
Risk Score
Risk Score
Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.76
Price Target
Price Target
Average analyst price target from the last quarter. Shows expected upside/downside from current price.+3.5%upside
Target: $61.26
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ENTRY ZONE$58.60 – $59.78
TARGET (TP)$61.25
STOP LOSS$54.45
RISK/REWARD1:0.4
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Price Chart
Financial Statements
Revenue & Profitability Trend
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Revenue
Net Income (Profit)
Net Loss
Key Metrics
Market CapN/A
P/E RatioN/A
Beta1.11
52W High$59.33
52W Low$32.60
Avg VolumeN/A
Income Statement (Fiscal Year)
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $12.35B | $12.19B | $9.07B | $6.99B | $7.68B |
| Gross Profit | $7.11B | $7.54B | $7.55B | $7.06B | $5.29B |
| Gross Margin | 57.6% | 61.8% | 83.2% | 101.0% | 68.9% |
| Operating Income | $1.89B | $2.03B | $2.65B | $2.98B | $1.30B |
| Net Income | $1.51B | $1.61B | $2.07B | $2.32B | $1.06B |
| Net Margin | 12.2% | 13.2% | 22.9% | 33.2% | 13.8% |
| EPS | $3.04 | $3.14 | $4.12 | $5.18 | $2.22 |
Company Overview
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. The company operates in two segments, Consumer Banking and Commercial Banking. The Consumer Banking segment offers deposit products, mortgage and home equity lending products, credit cards, business loans, wealth management, and investment services; and auto, 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. This segment serves government banking, not-for-profit, healthcare, technology, professionals, oil and gas, asset finance, franchise finance, asset-based lending, commercial real estate, private equity, and sponsor finance industries. It operates approximately 1,200 branches in 14 states and the District of Columbia; 114 retail and commercial non-branch offices in national markets; and approximately 3,300 automated teller machines. 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.
Visit WebsiteRating Distribution
Strong Buy
1
6%
Buy / Outperform
9
50%
Hold / Neutral
8
44%
Sell / Underperform
0%
Analyst Consensus🟡 Mixed
10 Bullish8 Neutral/Bearish
Price Targets
$47
Average Target
↓ 20.0% Downside
Now
$26
Low
$47
Average
$71
High
Based on 23 analysts
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| December 11th 2025 | Robert W. Baird | Downgrade | Neutral | $60 |
| October 9th 2025 | BofA Securities | Upgrade | Buy | $65 |
| September 29th 2025 | Morgan Stanley | Upgrade | Overweight | $71 |
| September 10th 2025 | Cantor Fitzgerald | Initiation | Overweight | $61 |
| August 1st 2025 | JP Morgan | Upgrade | Overweight | $52 |
| July 18th 2025 | Evercore ISI | Upgrade | Outperform | $55 |
| July 9th 2025 | Keefe Bruyette | Upgrade | Outperform | $57 |
| May 21st 2025 | Jefferies | Initiation | Buy | $50 |
| May 15th 2025 | TD Cowen | Initiation | Buy | $57 |
| December 18th 2024 | Raymond James | Upgrade | Strong Buy | $55 |
| July 11th 2024 | Raymond James | Initiation | Market Perform | - |
| April 26th 2024 | Piper Sandler | Upgrade | Overweight | $41← $35 |
| February 5th 2024 | Citigroup | Upgrade | Buy | $36 |
| January 2nd 2024 | Barclays | Downgrade | Equal Weight | $40← $38 |
| December 4th 2023 | Morgan Stanley | Downgrade | Equal Weight | $31 |
Earnings History & Surprises
CFGBeat Rate
47%
Last 15 quarters
Avg Surprise
-5.0%
EPS vs Estimate
Beats / Misses
7/8
Last 12 quarters
Latest EPS
$1.05
Q4 2025
EPS Surprise History
Q1 24
-52.1%
$0.34vs$0.71
Q2 24
-12.2%
$0.65vs$0.74
Q3 24
-1.3%
$0.78vs$0.79
Q4 24
-2.5%
$0.77vs$0.79
Q1 25
+2.4%
$0.85vs$0.83
Q2 25
+2.8%
$0.77vs$0.75
Q3 25
+4.2%
$0.92vs$0.88
Q4 25
+1.9%
$1.05vs$1.03
Beat Estimate
Missed Estimate
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q1 2027 | Jan 20, 2027 | — | — | — | — |
Q4 2026 | Oct 16, 2026 | — | — | — | — |
Q3 2026 | Jul 16, 2026 | — | — | — | — |
Q2 2026 | Apr 16, 2026 | — | — | — | — |
Q1 2026 | Jan 16, 2026 | $1.12 | — | — | — |
Q4 2025 | Oct 15, 2025 | $1.03 | $1.05 | +1.9% | ✓ BEAT |
Q3 2025 | Jul 17, 2025 | $0.88 | $0.92 | +4.2% | ✓ BEAT |
Q2 2025 | Apr 16, 2025 | $0.75 | $0.77 | +2.8% | ✓ BEAT |
Q1 2025 | Jan 17, 2025 | $0.83 | $0.85 | +2.4% | ✓ BEAT |
Q4 2024 | Oct 16, 2024 | $0.79 | $0.77 | -2.5% | ✗ MISS |
Q3 2024 | Jul 17, 2024 | $0.79 | $0.78 | -1.3% | ✗ MISS |
Q2 2024 | Apr 17, 2024 | $0.74 | $0.65 | -12.2% | ✗ MISS |
Q1 2024 | Jan 17, 2024 | $0.71 | $0.34 | -52.1% | ✗ MISS |
Q4 2023 | Oct 18, 2023 | $0.91 | $0.85 | -6.6% | ✗ MISS |
Q3 2023 | Jul 19, 2023 | $1.01 | $0.92 | -8.9% | ✗ MISS |
Q2 2023 | Apr 19, 2023 | $1.13 | $1.00 | -11.5% | ✗ MISS |
Q1 2023 | Jan 17, 2023 | $1.31 | $1.25 | -4.6% | ✗ MISS |
Q4 2022 | Oct 19, 2022 | $1.22 | $1.23 | +0.8% | ✓ BEAT |
Q3 2022 | Jul 19, 2022 | $1.02 | $1.14 | +11.8% | ✓ BEAT |
Q2 2022 | Apr 19, 2022 | $0.92 | $0.93 | +1.1% | ✓ BEAT |
Latest News
Keefe, Bruyette & Woods Maintains Outperform on Citizens Financial Group, Raises Price Target to $68
📈 PositiveBenzinga•Dec 17, 2025, 05:55 PM
Baird Downgrades Citizens Financial Group to Neutral, Maintains Price Target to $60
➖ NeutralBenzinga•Dec 11, 2025, 11:47 AM
Shares of stocks in the broader financial sector are trading higher amid overall market strength following the Fed's rate cut announcement.
📈 PositiveBenzinga•Dec 10, 2025, 08:41 PM•Also: , ,
Shares of banks and financial services stocks are trading higher after Fed Governor Waller called for a December rate cut.
📈 PositiveBenzinga•Nov 24, 2025, 06:36 PM•Also: , ,
Shares of banks and financial services stocks are trading higher after NY Fed President Williams indicated he sees room for a further policy adjustment in the near term. This has lifted overall market sentiment.
📈 PositiveBenzinga•Nov 21, 2025, 06:35 PM•Also: , ,
Shares of broader financial services stocks are trading higher amid a broader market rebound after Senate leaders approved a deal clearing the path to end the US government shutdown.
📈 PositiveBenzinga•Nov 10, 2025, 07:43 PM•Also: , ,
Citizens Financial Servs Q3 EPS $2.09 Beats $1.76 Estimate, Sales $28.994M Beat $25.000M Estimate
📈 PositiveBenzinga•Oct 30, 2025, 01:00 PM
Truist Securities Maintains Hold on Citizens Financial Group, Lowers Price Target to $56
➖ NeutralBenzinga•Oct 17, 2025, 01:47 PM
Barclays Maintains Equal-Weight on Citizens Financial Group, Raises Price Target to $56
➖ NeutralBenzinga•Oct 16, 2025, 11:55 AM•Also:
Citizens Financial Group Q3 Adj. EPS $1.05 Beats $1.03 Estimate, Sales $2.118B Beat $2.100B Estimate
📈 PositiveBenzinga•Oct 15, 2025, 10:21 AM
B of A Securities Upgrades Citizens Financial Group to Buy, Raises Price Target to $65
📈 PositiveBenzinga•Oct 9, 2025, 10:59 AM
UBS Maintains Buy on Citizens Financial Group, Raises Price Target to $62
📈 PositiveBenzinga•Oct 7, 2025, 04:44 PM
Truist Securities Maintains Hold on Citizens Financial Group, Raises Price Target to $58
📈 PositiveBenzinga•Oct 3, 2025, 02:51 PM
Evercore ISI Group Maintains Outperform on Citizens Financial Group, Raises Price Target to $61
📈 PositiveBenzinga•Sep 30, 2025, 05:10 PM
Morgan Stanley Upgrades Citizens Financial Group to Overweight, Raises Price Target to $71
📈 PositiveBenzinga•Sep 29, 2025, 05:57 PM
Citigroup Maintains Buy on Citizens Financial Group, Raises Price Target to $65
📈 PositiveBenzinga•Sep 19, 2025, 05:33 PM•Also:
Evercore ISI Group Maintains Outperform on Citizens Financial Group, Raises Price Target to $57
📈 PositiveBenzinga•Sep 17, 2025, 03:17 PM
Citizens Commits $20M Over The Next 3-Years To Workforce Development Programs And Long-Term Economic Growth
📈 PositiveBenzinga•Sep 16, 2025, 03:39 PM
Cantor Fitzgerald Initiates Coverage On Citizens Financial Group with Overweight Rating, Announces Price Target of $61
📈 PositiveBenzinga•Sep 10, 2025, 01:14 PM
Frequently Asked Questions about CFG
What is CFG's current stock price?
Citizens Financial Group, Inc. (CFG) is currently trading at $59.19 per share. The stock has moved +1.34% today.
What is the analyst price target for CFG?
The average analyst price target for CFG is $61.25, based on 1 analyst.
What sector is Citizens Financial Group, Inc. in?
Citizens Financial Group, Inc. operates in the Financial Services sector, specifically within the Banks - Regional industry. The company is traded on the NYSE exchange.
What is CFG's market cap?
Citizens Financial Group, Inc. has a market capitalization of $25.42 billion, making it a large-cap company.
Does CFG pay dividends?
No, Citizens Financial Group, Inc. does not currently pay a dividend to shareholders.
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