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Company Analysis

Citizens Financial Group, Inc. CFG

A comprehensive view of key metrics, scores, and financial health for Citizens Financial Group, Inc.

Overview of Citizens Financial Group, Inc.

CFG NYQ
Financial Services Banks - Regional Large Cap
Citizens Financial Group, Inc. (CFG), is a Large Cap company, in the Banks - Regional industry, last closed at $55.64, about 3.8% undervalued vs fair value, +36.2% 1Y return, placing in the top 25% of its sector.
$55.64
-2.28%
As of March 13, 2026
Previous close • Vol 90d: 28.5%
52-Week Range
Market Cap
$23.90B
Enterprise Value
$21.49B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.citizensbank.com
HQ Providence, RI
Employees 17,398
Fiscal year Dec 31

Next Events

Earnings Apr 16 Call: Apr 16

Fair Value Snapshot

Bear Base Bull
$32
$58
$108
Current: $55.64 +4% vs base

Engine Room Money Flow™

Large Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$9.7B
-5.1%%
Interest Expense
$3.8B
Net Interest Income
$5.9B
3.9%%
Total Revenue
$8.2B
5.6%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
7.0%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$1.9B
111.8% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Citizens Financial Group, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
58
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
60
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing CFG's balance between Growth (21.9%), Profitability (44.0%), and Safety (34.1%). Growth 22% Safety 34% Profitability 44%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

24th percentile vs peers
25
Key Signals
Asset Growth YoY 4.1% 52p Rev Growth YoY 5.6% 14p Revenue CAGR 3Y 0.9% 9p
Strengths

No notable strengths identified for this axis.

Risks
  • Rev Growth Yoy in bottom 20% of peers (5.6%)
  • Growth below peer median (percentile: 24)

Profitability

49th percentile vs peers
50
Key Signals
Strengths
Risks
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Safety

38th percentile vs peers
38
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Citizens Financial Group, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$57.73
- - -
+3.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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