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61.16 USD
P/E
14.49
EPS
4.22
Yield
2.96%
Safety Score
100
P/B
1.08
ROE
7.74
Beta
1.04
Target Price
73.15 USD
Citizens Financial Group, Inc. logo

Citizens Financial Group, Inc.

🧾 Earnings Recap – Q1 2026

Citizens Financial Group posted a solid start to 2026 with 47% YoY EPS growth, driven by record fee performance and NIM expansion, amid a challenging macro backdrop.

  • EPS of $1.13 and ROTCE of 12.2%, supported by 24 bp NIM expansion and positive operating leverage of 7%
  • Net interest income increased 1.6% QoQ, aided by favorable margin dynamics and loan growth
  • Record first quarter fee income, up 11% YoY, with strength in capital markets, M&A, and wealth segments
  • Private Bank profitability grew, contributing $0.11 EPS, with continued deposit growth and strategic expansion
  • Balance sheet remains robust with CET1 at 10.5% and prudent credit positioning, as credit trends stay favorable
📅
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Key Metrics
Earnings dateJuly 16, 2026
P/E14.49
EPS4.22
Book Value56.48
Price to Book1.08
% Insiders0.730%
Growth
Revenue Growth0.14%
Earnings Growth0.47%
Estimates
Forward P/E9.57
Forward EPS6.39
Target Mean Price73.15
Dividend
Dividend Yield2.96%
Annual dividends1.80 USD
Ex-Div. DateApril 30, 2026
Payout45.77%
5y avg Yield4.49%

DCF Valuation

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DCF Result

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Citizens Financial Group, Inc. Logo Citizens Financial Group, Inc. Analysis (CFG)

United States Financials Official Website Stock

Is Citizens Financial Group, Inc. a good investment? Citizens Financial Group, Inc. (CFG) is currently trading at 61.16 USD. Market analysts have a consensus price target of 73.15 USD. This suggests a potential upside from current levels.

In terms of valuation, the stock trades at a P/E ratio of 14.49. This relatively low multiple may signal that Citizens Financial Group, Inc. is undervalued compared to historical market norms.

Earnings Schedule: Citizens Financial Group, Inc. is expected to release its next earnings report on July 16, 2026. The market consensus estimate for Forward EPS is 6.39.

For income investors, Citizens Financial Group, Inc. pays a dividend yield of 2.96%. With a payout ratio of 46%, the dividend appears sustainable.

Investor FAQ

Does Citizens Financial Group, Inc. pay a dividend?

Yes, it pays an annual dividend of 1.80 USD (2.96% yield).

What asset class is Citizens Financial Group, Inc.?

Citizens Financial Group, Inc. is classified as a Stock. You can compare it against its peer in the "Related Symbols" list.

When is the next earnings date?

The next earnings date is projected to be July 16, 2026. The company currently has a trailing EPS of 4.22.

Company Profile

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.

Exchange Ticker
NYQ (United States) CFG
Dividend Yield

2.96% (5y avg: 4.49%)

Annual Dividends

1.80 USD

Next ex. div date

April 30, 2026

Payout Ratio

45.77%

Historical Dividends
Year Total Dividends
2027 0.47 USD
2026 1.81 USD
2025 1.72 USD
2024 1.68 USD
2023 1.68 USD
2022 1.62 USD
2021 1.56 USD
2020 1.56 USD
2019 1.36 USD
2018 0.98 USD
2017 0.64 USD
2016 0.46 USD
2015 0.40 USD
2014 0.10 USD

Yearly aggregated dividends

Dividends

Citizens Financial Group, Inc.
May 14, 2026 Paid
Dividend
0.46 USD
Citizens Financial Group, Inc.
Feb 18, 2026 Paid
Dividend
0.46 USD
Citizens Financial Group, Inc.
Nov 12, 2025 Paid
Dividend
0.46 USD
Citizens Financial Group, Inc.
Aug 14, 2025 Paid
Dividend
0.42 USD

Historical Split Corporate Actions

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