CFG
Neutral signalScored 2026-07-29 Drivers: Congress, fundamentals. Moteurs : Congrès, fondamentaux.
Research, not advice.
À propos
Citizens Financial Group, Inc.
- Nom
- Citizens Financial Group, Inc.
- Secteur
- Financial Services
- Industrie
- Banks - Regional
- Bourse
- NYSE
- Capitalisation
- $27.5B
- Employés
- 17,398
- PDG
- Bruce Winfield Van Saun
- Site web
- https://www.citizensbank.com
- Marché
- CBSHFCNCAFITBHBANKEYMTB
Citizens Financial Group, Inc. (CFG) functions as the holding company for Citizens Bank, National Association, a major financial institution offering a comprehensive suite of retail and commercial banking solutions across the United States. It serves a broad spectrum of clients, from individual consumers and small enterprises to large corporations and various institutions. Its business is segmented into two primary divisions: Consumer Banking and Commercial Banking. The Consumer Banking division delivers a robust array of products, encompassing deposit accounts, mortgage and home equity lending, credit cards, and business loans for smaller entities. It also provides wealth management, investment services, and specialized financing for areas like auto, education, and point-of-sale purchases, alongside digital deposit solutions. Clients engage with this segment through contact centers and its advanced online and mobile banking platforms. Conversely, the Commercial Banking segment provides sophisticated financial solutions designed for corporate and institutional clients. These include a wide range of lending and leasing products, treasury and deposit management services, foreign exchange, and risk mitigation tools for interest rates and commodities. Additionally, it offers syndicated loans, corporate finance advice, merger and acquisition (M&A) assistance, and capital markets services for debt and equity. Its client roster spans numerous industries, such as government, non-profit, healthcare, technology, professional services, energy (oil and gas), asset and franchise finance, asset-based lending, commercial real estate, private equity, and sponsor finance. The company boasts a substantial physical presence, operating approximately 1,200 branches across 14 states and the District of Columbia. Complementing these are 114 non-branch retail and commercial offices in key national markets and a network of roughly 3,300 automated teller machines. Founded in 1828, Citizens Financial Group, Inc. is headquartered in Providence, Rhode Island. It adopted its current name in April 2014, having previously operated as RBS Citizens Financial Group, Inc.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
VENTE TOTALE: 129 369 titres (~9 323 623,83 $ US)
- Insiders
- VAN SAUN BRUCE
- Total bought
-
—
Avg buy (VWAP, 90d window) $37.20 vs last close —
- Total sold
-
$9,323,624
Avg sell (VWAP, 90d window) $72.07 vs last close —
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
- Last activity
- 2026-07-24
- Last synced
-
2026-10-19 22:02:11
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-07-24 | VAN SAUN BRUCE | Sell · S | 129,369 | $72.07 | $9,323,624 | Form 4 |
| 2025-06-02 | Swift Christopher | Buy · P | 20 | $40.06 | $801 | Form 4 |
| 2024-02-06 | Swift Christopher | Buy · P | 10 | $31.47 | $315 | Form 4 |
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
Recent trades
| Date | Representative | Type | Amount |
|---|---|---|---|
| 2026-09-04 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2025-10-22 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2025-10-08 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2025-04-07 | Jefferson Shreve | Sale (Full) | $15,001 - $50,000 |
| 2024-01-23 | Kathy E. Manning | Purchase | $15,001 - $50,000 |
| 2024-01-23 | Kathy E. Manning | Purchase | $1,001 - $15,000 |
| 2023-12-12 | Kathy E. Manning | Sale | $1,001 - $15,000 |
| 2023-12-12 | Kathy E. Manning | Sale (Full) | $15,001 - $50,000 |
| 2023-11-03 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2023-10-31 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2023-10-02 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2023-07-20 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2023-07-12 | Daniel Goldman | Sale (Full) | $15,001 - $50,000 |
| 2023-06-29 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2023-05-19 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2023-04-28 | Kathy E. Manning | Purchase | $1,001 - $15,000 |
| 2023-04-28 | Kathy E. Manning | Purchase | $1,001 - $15,000 |
| 2023-04-25 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2023-04-10 | Daniel Goldman | Purchase | $15,001 - $50,000 |
| 2023-03-24 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2023-03-14 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2022-09-08 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2022-09-06 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2022-08-01 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2022-07-27 | Kathy E. Manning | Purchase | $1,001 - $15,000 |
| 2022-07-27 | Kathy E. Manning | Purchase | $1,001 - $15,000 |
| 2022-06-16 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2022-05-23 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2022-04-11 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2021-01-15 | Kathy E. Manning | Sale (Partial) | $1,001 - $15,000 |
| 2020-04-02 | Dean Phillips | Purchase | $1,001 - $15,000 |
| 2020-03-18 | Gilbert Cisneros | Purchase | $1,001 - $15,000 |
| 2019-03-25 | Bill Flores | Purchase | $1,001 - $15,000 |
| 2018-08-28 | Carlos Curbelo | Purchase | $1,001 - $15,000 |
Signal
Neutral signalScored 2026-07-29 Drivers: Congress, fundamentals. Moteurs : Congrès, fondamentaux.
CFG shows genuine liquidity improvement and deleveraging progress in 2025, but the interest coverage ratio of 0.61 remains critically low, exposing the company to serious debt-servicing risk if operating conditions…
The first sentence of the analysis written for CFG on 2026-07-29 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Pulls against a bullish reading. Selling cluster — sale value, no purchase value
- Congress Unavailable or mixed. 1 purchase disclosure year to date, a thin reading
- Narrative Unavailable or mixed. Stored narrative reading is in the neutral band
- Timing Unavailable or mixed. No stored price series
- Financial indicators Supports a bullish reading. Current ratio 1.04 · operating margin 21%
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 69.8% | 57.6% | 61.8% | 83.2% | 101.0% | |
| Ebit Margin | 20.9% | 15.3% | 16.7% | 29.3% | 42.6% | |
| Ebitda Margin | 25.2% | 19.3% | 20.6% | 35.5% | 51.6% | |
| Operating Profit Margin | 20.9% | 15.3% | 16.7% | 29.3% | 42.6% | |
| Pretax Profit Margin | 20.9% | 15.3% | 16.7% | 29.3% | 42.6% | |
| Continuous Operations Profit Margin | 16.4% | 12.2% | 13.2% | 22.9% | 33.2% | |
| Net Profit Margin | 16.4% | 12.2% | 13.2% | 22.9% | 33.2% | |
| Bottom Line Profit Margin | 15.1% | 11.1% | 12.2% | 21.6% | 31.6% | |
| Current Ratio | 1.043 | 0.254 | 0.241 | 0.199 | 0.236 | |
| Quick Ratio | 1.043 | 0.254 | 0.241 | 0.199 | 0.236 | |
| Solvency Ratio | 0.012 | 0.010 | 0.011 | 0.013 | 0.018 | |
| Cash Ratio | 0.069 | 0.064 | 0.068 | 0.060 | 0.061 | |
| Price To Earnings Ratio | 14.977 | 14.395 | 10.554 | 9.556 | 9.122 | |
| Price To Earnings Growth Ratio | 0.529 | -4.520 | -0.444 | -0.467 | 0.068 | |
| Forward Price To Earnings Growth Ratio | 0.529 | -4.520 | -0.444 | -0.467 | 0.068 | |
| Price To Earnings Diluted Ratio | 15.132 | 14.442 | 10.588 | 9.602 | 9.157 | |
| Price To Earnings Diluted Growth Ratio | 0.552 | -4.520 | -0.448 | -0.467 | 0.069 | |
| Price To Book Ratio | 0.957 | 0.813 | 0.647 | 0.791 | 0.859 | |
| Price To Sales Ratio | 2.260 | 1.597 | 1.292 | 2.066 | 2.879 | |
| Price To Free Cash Flow Ratio | 12.369 | 10.496 | 5.645 | 4.693 | 9.350 | |
| Price To Operating Cash Flow Ratio | 11.396 | 9.856 | 5.317 | 4.549 | 8.841 | |
| Debt To Assets Ratio | 0.050 | 0.057 | 0.063 | 0.070 | 0.037 | |
| Debt To Equity Ratio | 0.429 | 0.511 | 0.574 | 0.671 | 0.299 | |
| Debt To Capital Ratio | 0.300 | 0.338 | 0.365 | 0.401 | 0.230 | |
| Long Term Debt To Capital Ratio | 0.299 | 0.300 | 0.356 | 0.401 | 0.228 | |
| Financial Leverage Ratio | 8.601 | 8.968 | 9.119 | 9.571 | 8.045 | |
| Working Capital Turnover Ratio | -0.180 | -0.093 | -0.087 | -0.069 | -0.061 | |
| Operating Cash Flow Ratio | 0.012 | 0.011 | 0.017 | 0.023 | 0.015 | |
| Operating Cash Flow Sales Ratio | 0.198 | 0.162 | 0.243 | 0.454 | 0.326 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.921 | 0.939 | 0.942 | 0.969 | 0.945 | |
| Debt Service Coverage Ratio | 0.597 | 0.307 | 0.467 | 2.510 | 7.128 | |
| Interest Coverage Ratio | 0.611 | 0.415 | 0.512 | 2.533 | 8.782 | |
| Short Term Operating Cash Flow Coverage Ratio | 38.121 | 1.007 | 5.863 | 1,373.000 | 30.743 | |
| Operating Cash Flow Coverage Ratio | 0.196 | 0.161 | 0.212 | 0.259 | 0.325 | |
| Capital Expenditure Coverage Ratio | 12.707 | 16.402 | 17.215 | 32.690 | 18.347 | |
| Dividend Paid And Capex Coverage Ratio | 2.082 | 1.952 | 2.692 | 4.046 | 2.508 | |
| Dividend Payout Ratio | 0.485 | 0.598 | 0.577 | 0.430 | 0.338 | |
| Enterprise Value Multiple | 8.464 | 8.754 | 7.051 | 7.385 | 4.899 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 69.8% | ▲12.2% | ▼-4.9% |
| Ebit Margin | 20.9% | ▲5.6% | ▼-4.1% |
| Ebitda Margin | 25.2% | ▲5.9% | ▼-5.3% |
| Operating Profit Margin | 20.9% | ▲5.6% | ▼-4.1% |
| Pretax Profit Margin | 20.9% | ▲5.6% | ▼-4.1% |
| Continuous Operations Profit Margin | 16.4% | ▲4.2% | ▼-3.1% |
| Net Profit Margin | 16.4% | ▲4.2% | ▼-3.1% |
| Bottom Line Profit Margin | 15.1% | ▲4.0% | ▼-3.2% |
| Current Ratio | 1.043 | ▲0.789 | ▲0.649 |
| Quick Ratio | 1.043 | ▲0.789 | ▲0.649 |
| Solvency Ratio | 0.011 | ▲0.001 | ▼-0.001 |
| Cash Ratio | 0.069 | ▲0.006 | ▲0.005 |
| Price To Earnings Ratio | 14.977 | ▲0.582 | ▲3.256 |
| Price To Earnings Growth Ratio | 0.529 | ▲5.049 | ▲1.496 |
| Forward Price To Earnings Growth Ratio | 0.529 | ▲5.049 | ▲1.496 |
| Price To Earnings Diluted Ratio | 15.132 | ▲0.690 | ▲3.348 |
| Price To Earnings Diluted Growth Ratio | 0.552 | ▲5.073 | ▲1.515 |
| Price To Book Ratio | 0.957 | ▲0.144 | ▲0.144 |
| Price To Sales Ratio | 2.260 | ▲0.663 | ▲0.241 |
| Price To Free Cash Flow Ratio | 12.369 | ▲1.873 | ▲3.858 |
| Price To Operating Cash Flow Ratio | 11.396 | ▲1.540 | ▲3.404 |
| Debt To Assets Ratio | 0.050 | ▼-0.007 | ▼-0.006 |
| Debt To Equity Ratio | 0.429 | ▼-0.083 | ▼-0.068 |
| Debt To Capital Ratio | 0.300 | ▼-0.038 | ▼-0.027 |
| Long Term Debt To Capital Ratio | 0.299 | ▼-0.001 | ▼-0.018 |
| Financial Leverage Ratio | 8.601 | ▼-0.367 | ▼-0.260 |
| Working Capital Turnover Ratio | -0.180 | ▼-0.087 | ▼-0.082 |
| Operating Cash Flow Ratio | 0.012 | ▲0.001 | ▼-0.004 |
| Operating Cash Flow Sales Ratio | 0.198 | ▲0.036 | ▼-0.078 |
| Free Cash Flow Operating Cash Flow Ratio | 0.921 | ▼-0.018 | ▼-0.022 |
| Debt Service Coverage Ratio | 0.597 | ▲0.290 | ▼-1.605 |
| Interest Coverage Ratio | 0.611 | ▲0.196 | ▼-1.960 |
| Short Term Operating Cash Flow Coverage Ratio | 38.121 | ▲37.114 | ▼-251.626 |
| Operating Cash Flow Coverage Ratio | 0.196 | ▲0.035 | ▼-0.035 |
| Capital Expenditure Coverage Ratio | 12.707 | ▼-3.695 | ▼-6.765 |
| Dividend Paid And Capex Coverage Ratio | 2.082 | ▲0.130 | ▼-0.574 |
| Dividend Payout Ratio | 0.485 | ▼-0.113 | ▼-0.001 |
| Enterprise Value Multiple | 8.464 | ▼-0.289 | ▲1.154 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $25.20B | $19.72B | $15.74B | $18.74B | $20.11B | |
| Enterprise value | $23.75B | $20.89B | $17.68B | $23.78B | $17.64B | |
| EV / Sales | 2.13x | 1.69x | 1.45x | 2.62x | 2.53x | |
| EV / Op. cash flow | 10.74x | 10.44x | 5.97x | 5.77x | 7.76x | |
| EV / Free cash flow | 11.66x | 11.12x | 6.34x | 5.96x | 8.20x | |
| EV / EBITDA | 8.46x | 8.75x | 7.05x | 7.38x | 4.90x | |
| Net debt / EBITDA | -0.52x | 0.49x | 0.77x | 1.56x | -0.69x | |
| Current ratio | 1.04x | 0.25x | 0.24x | 0.20x | 0.24x | |
| Income quality | 1.21x | 1.33x | 1.84x | 1.99x | 0.98x | |
| Graham number | $76 | $64 | $62 | $70 | $82 | |
| Graham net-net | -$102 | -$330 | -$326 | -$352 | -$303 | |
| Tax burden | 78.7% | 79.9% | 79.2% | 78.1% | 77.9% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | $7.96B | -$131.89B | -$135.00B | -$144.68B | -$117.99B | |
| Invested capital | $17.18B | -$122.68B | -$125.76B | -$135.47B | -$110.05B | |
| Return on assets | 0.8% | 0.7% | 0.7% | 0.9% | 1.2% | |
| Operating ROA | 1.0% | 0.9% | 0.9% | 1.3% | 1.6% | |
| Return on tangible assets | 0.8% | 0.7% | 0.8% | 0.9% | 1.3% | |
| Return on equity | 7.0% | 6.2% | 6.6% | 8.8% | 9.9% | |
| Return on invested capital | 4.3% | 3.5% | 3.6% | 4.5% | 6.8% | |
| Return on capital employed | 5.4% | 4.6% | 4.6% | 5.8% | 8.8% | |
| Earnings yield | 7.3% | 7.7% | 10.2% | 11.1% | 11.5% | |
| Free cash flow yield | 8.1% | 9.5% | 17.7% | 21.3% | 10.7% | |
| Capex / Op. cash flow | 7.9% | 6.1% | 5.8% | 3.1% | 5.5% | |
| Capex / Depreciation | 36.4% | 24.5% | 36.0% | 22.3% | 19.8% | |
| Capex / Sales | 1.6% | 1.0% | 1.4% | 1.4% | 1.8% | |
| SG&A / Sales | 27.8% | 24.2% | 24.2% | 31.0% | 33.1% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 1.1% | 0.8% | 0.7% | 0.9% | 0.8% | |
| Intangibles / Total assets | 3.7% | 3.8% | 3.8% | 3.7% | 3.8% | |
| Days sales outstanding | 4648d | 30d | 34d | 59d | 80d | |
| Days payables outstanding | 0d | 0d | 0d | 0d | 0d | |
| Operating cycle | 4648d | 30d | 34d | 59d | 80d | |
| Cash conversion cycle | 4648d | 30d | 34d | 59d | 80d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years
Employee count
Peer market caps
Recent news
- 2026-10-19 Citizens Financial Analysts Slash Their Forecasts Following Q3 Results Citizens Financial Group (NYSE:CFG) reported better-than-expected earnings for the third quarter.
- 2026-10-18 Citizens Financial: 3 Key Takeaways for Long-Term Investors Net interest margin is projected to be in the range of 3.23% to 3.26% in the fourth quarter. Private bank deposits reached $18.5 billion at the end of Q3.
- 2026-10-18 Dividend Announcements: October 10-16, 2026 I track dividend announcements across 1,200+ stocks. This week, I''m highlighting 12 dividend increases and 2 specials. LECO stands out with a 10.13% dividend increase, the highest Quality Score (8.54), and a 30-year streak, though it trades at fair value. IBKR posted a 71.43% dividend hike and leads in Dividend Safety (9.2), but offers a low 0.73% forward yield and weak financial strength.
- 2026-10-18 Citizens Financial Group: Reassessing Preferred Securities In A Dynamic Market Environment Citizens Financial Group preferred Series E is upgraded to buy due to its ~7.25% yield and significant discount to par, mitigating call risk. CFG.PR.I and CFG.PR.H are both rated hold; Series I''s yield is not compelling given its moderate duration exposure, while Series H lacks both standalone and relative appeal. CFG''s strong CET1 ratio (~10.5%) and robust preferred dividend coverage reinforce the credit quality of its preferred shares.
- 2026-10-18 What Citizens Financial Group (CFG) Said on Its Q3 Earnings Call Citizens Financial Group (NYSE: CFG) reported record revenue and higher profitability for the third quarter of 2026, supported by net interest income growth, continued margin expansion and expense discipline. The company also raised its quarterly dividend, expanded its share-repurchase authorization and projected further earnings momentum in the fourth quarter. Chairman and CEO Bruce Van Saun said
- 2026-10-16 CFG Stock Up as Q3 Earnings Top Estimates on NII Growth, Dividend Hiked Citizens Financial stock gains nearly 1% in early trading as Q3 earnings beat estimates on higher NII and improved credit quality, while its dividend rose 13%.
- 2026-10-16 Citizens Financial Group, Inc. (CFG) Q3 2026 Earnings Call Transcript Citizens Financial Group, Inc. (CFG) Q3 2026 Earnings Call Transcript
- 2026-10-16 Crude Oil Jumps 3%; Citizens Financial Earnings Top Views U.S. stocks traded lower midway through trading, with the S&P 500 falling around 1% on Friday.
- 2026-10-16 What Citizens Financial Group (CFG) Said on Its Q3 Earnings Call Citizens Financial Group NYSE: CFG reported record revenue and higher profitability for the third quarter of 2026, supported by net interest income growth, continued margin expansion and expense discipline. The company also raised its quarterly dividend, expanded its share-repurchase authorization and projected further earnings momentum in the fourth quarter.
- 2026-10-16 First Week of Q3 Earnings in the Books The Dow looks to close higher for its second-straight week, while the Nasdaq hopes to avoid its worst trading week since July.