— Know what they know.
/
Not Investment Advice

CFG

NYSE · USD
Citizens Financial Group, Inc.
Financial Services · Banks - Regional
CEO Bruce Winfield Van Saun Employees 17,398 R&D / revenue 0.0%
Last price
$63.36−0.11%last session
Market cap
$26.7B
P/E (TTM)
12.7x
From 52w high
−15.9%
From 52w low
+31.2%
1-year return
+32.1%
RSI 14 · vs SMA200
38.2 · −2.9%
IS score
55.2/ 100
Factor model across 8 sub-scores, ranked against 3,010 US stocks. Describes the business, not the outlook.
Download full factsheet (PDF)

One year, rebased to 100

CFG   SPY   XLF (sector ETF) · weekly closes
100120140Jan 26Apr 26Jul 26Oct 26CFG 132SPY 116XLF 107

Score DNA

Each bar is a 0-100 score within the scored universe
56
Profitability
52
Growth
88
Value
80
Momentum
50
Risk (safety)
76
Quality
44
Balance sheet
98
Earnings quality

Flags

Strengths
✓ Congress buying
Warnings
None of the computed warning flags fires for CFG (Altman, Beneish, accruals, FCF, dilution).
Observations
Moat model: None, Intangible AssetsPiotroski 7 / 9Beta 1.003 of 4 smart-money sources active

Smart-money strip

Each disclosure source on its own window. Filings coinciding is not coordination.
INSForm 4 · 180 days
Insider open-market buys
0
2 open-market sales, $9.7M
No Form 144 notices in 12 months
CONGSTOCK Act · 180 days
Congressional purchases
1
Last disclosed purchase 2026-09-04
Members disclose in ranges, 30-45 days after the trade
13F13F · quarter to 2026-06-30
Net change in institutional holders
+80
161 new holders, 71 closed
1,105 filers hold 98.1% · 475 added, 321 trimmed
ETFETF holdings · 30 days
Net funds accumulating
+148
1,019 funds adding shares
871 funds trimming · counts of funds, not dollars
DARKFINRA · daily
Short-sale share of off-exchange volume
54.9%
20-day avg 41.2%, 50-day avg 47.1%
Latest 13.7 pp over its 20-day average · a flow, not short interest

Key financials · FY2025

USD, fiscal year. Stock-based compensation is non-cash; shown against FCF.
Income statement
Revenue$11.1B
Revenue growth YoY−9.7%
Gross margin69.8%
Operating income$2.3B
Operating margin20.9%
Net income$1.8B
Net margin16.4%
EPS (diluted)$3.86
Cash flow
Operating cash flow$2.2B
Capital expenditure$174.0M
Free cash flow$2.0B
FCF conversion (FCF / OCF)92.1%
Stock-based compensation$120.0M
FCF less SBC$1.9B
Buybacks$1.0B
Dividends$888.0M
Balance sheet & returns
Cash & short-term investments$49.4B
Total debt$11.3B
Net cash$38.1B
Shareholders' equity$26.3B
Goodwill & intangibles$8.3B
Debt / equity0.71
ROE (TTM)8.7%
ROIC (TTM)4.6%
Operating margin by fiscal year
42.6%FY202129.3%FY202216.7%FY202315.3%FY202420.9%FY2025
Revenue $7.0B (FY2021) to $11.1B (FY2025), a 12.4% CAGR.

Valuation

P/E (TTM)12.7x
EV / EBITDA9.6x
Price / sales2.29x
Price / FCF11.3x
FCF yield8.82%
Buyback yield3.75%
SBC / revenue1.1%
Price / book1.06x
Forward P/E FY202612.0x
Forward P/E FY20279.8x
Forward P/E FY20288.4x
Forward multiples divide today's price by Street EPS estimates. Street mean target $81.00 across 10 analysts last quarter is theirs, not ours.

CFG vs industry median

909 companies in Banks - Regional
Gross margin 73.3% 71.3% Operating margin 24.8% 25.6% Net margin 19.5% 21.2% ROIC 4.6% 5.9%
CFG (TTM)Industry median Asset turnover 0.05 vs industry 0.05 · financial leverage 9.32

Earnings delivery

Next report 2027-01-21 · consensus EPS $1.49
67%
beat rate, 8 of 12 quarters
+2.2%
median EPS surprise
8
longest beat streak
-52-12-1-3+2+3+4+2+3+3+5+1
EPS surprise in % vs the consensus at the time, oldest (left) to newest, 2024-01-17 to 2026-10-16. Bars cap at ±60%.

Peers

Market-cap band, not the industry cohort above
CompanyMkt capP/EROENet marginRev growth12m return
CFG Citizens Financial Group, In $26.7B12.7x8.7%19.5%−9.7% +32.1%
FCNCA First Citizens BancShares, I $24.0B11.4x10.7%18.6%−1.3% +29.7%
RF Regions Financial Corporatio $23.4B10.6x11.9%24.0%+0.5% +18.7%
HBAN Huntington Bancshares Incorp $30.9B11.2x9.0%17.4%+18.5% +0.2%
MTB M&T Bank Corporation $31.1B11.2x10.7%24.3%−5.8% +21.4%
KEY KeyCorp $21.6B11.6x10.3%24.7%+13.5% —
EWBC East West Bancorp, Inc. $17.4B12.1x16.6%30.9%+4.7% —
FITB Fifth Third Bancorp $45.7B17.0x8.4%18.1%+15.9% —
12-month window: SPY +15.9%, sector ETF XLF +7.2%. Past returns describe history only.

Recent 8-K filings

No 8-K filings on file.

Context

Shares outstanding421,177,000
Free float99.1%
Institutional ownership98.1%
Beta1.00
Dividend yield2.90%
Last dividend$0.46 on 2026-07-30
50 / 200-day average$68.25 / $65.35
Large-cap Financial Services median P/E14.0x

Full factsheet

The PDF carries everything on this page plus the cash-allocation waterfall, Form 144 notices, 13F holder detail, dark-pool and short-flow history, seasonality and the moat assessment (None).

Read it in the browser Download (PDF)

All fundamentals · 140 measures in 13 categories

Percentile = where CFG sits among 257 scored companies in Banks - Regional (0 = lowest value, 100 = highest). It is a position, not a grade. Balance-sheet ratios built for operating companies are n/a for lenders and insurers.
ValuationProfitability (TTM)Returns on capitalGrowthMargin history & stabilityLiquidity (latest quarter)Leverage & solvency (latest quarter)EfficiencyCash flow & earnings qualityDividends & buybacksScores & forensic checksPer shareSize (TTM)

Valuation

MeasureCFGIndustry medianIndustry percentileSector median
P/E (TTM) 12.6x 11.7x
61st		 11.9x
PEG (P/E ÷ 3-yr EPS CAGR) 7.36 1.75
92nd		 1.04
Price / sales 2.3x 2.5x
37th		 2.5x
Price / book 1.0x 1.2x
25th		 1.3x
Price / tangible book 1.7x 1.5x
68th		 1.6x
Price / free cash flow n/a
Price / operating cash flow n/a
Enterprise value n/a
EV / sales n/a
EV / EBITDA n/a
EV / EBIT n/a
EV / free cash flow n/a
Earnings yield 8.0% 8.5%
41st		 7.9%
FCF yield n/a
Operating cash flow yield n/a
Graham number (per share) $82.94 $50.13
78th		 $50.71

Profitability (TTM)

MeasureCFGIndustry medianIndustry percentileSector median
Gross margin n/a
EBITDA margin n/a
Operating margin 23.6% 24.7%
44th		 23.3%
EBIT margin 23.6% 25.3%
42nd		 23.3%
Net margin 18.5% 21.8%
24th		 18.7%
NOPAT margin 18.5% 19.7%
42nd		 18.7%
FCF margin n/a
Operating cash flow margin n/a
R&D / revenue 0.0% 0.0%
0th		 0.0%
SG&A / revenue 28.0% 27.4%
54th		 20.1%
Stock comp / revenue 1.1% 0.8%
71st		 0.7%
Effective tax rate 21.6% 21.1%
54th		 21.0%

Returns on capital

MeasureCFGIndustry medianIndustry percentileSector median
ROE (on average equity) 8.3% 11.0%
18th		 11.9%
ROA 0.9% 1.2%
17th		 1.4%
ROIC n/a
ROCE n/a
Return on tangible assets 1.2% 1.5%
32nd		 2.0%
Cash ROIC (OCF / invested capital) n/a
Gross profitability (GP / assets) n/a
ROIC, 3-yr average n/a
ROIC, 5-yr average n/a
ROE, 5-yr average 7.5% 10.4%
14th		 10.7%
Incremental ROIC n/a

Growth

MeasureCFGIndustry medianIndustry percentileSector median
Revenue growth (TTM YoY) -4.5% 3.8%
21st		 7.1%
Revenue growth (QoQ) 5.6% 2.0%
73rd		 2.8%
Revenue CAGR, 3 yr 0.8% 10.9%
5th		 10.8%
Revenue CAGR, 5 yr 9.7% 14.1%
28th		 11.3%
Gross profit CAGR, 3 yr n/a
Operating income CAGR, 3 yr -2.4% 4.2%
30th		 8.8%
Net income growth (TTM YoY) 33.5% 22.8%
61st		 24.7%
Net income CAGR, 3 yr -2.3% 6.9%
17th		 9.4%
EPS growth (TTM YoY) 36.6% 22.0%
68th		 25.1%
EPS CAGR, 3 yr 1.7% 4.2%
35th		 7.3%
EPS CAGR, 5 yr 1.0% 4.3%
24th		 4.2%
FCF growth (TTM YoY) n/a
FCF CAGR, 3 yr n/a
Operating cash flow CAGR, 3 yr n/a
Book value CAGR, 3 yr 7.8% 8.9%
37th		 8.9%
Dividend CAGR, 3 yr 5.2% 1.1%
84th		 1.9%
Sustainable growth rate 4.7% 7.8%
16th		 8.3%

Margin history & stability

MeasureCFGIndustry medianIndustry percentileSector median
Gross margin, 3-yr average n/a
Operating margin, 3-yr average 17.9% 22.5%
28th		 21.4%
Net margin, 3-yr average 14.2% 18.0%
21st		 16.5%
FCF margin, 3-yr average n/a
Revenue stability (0-1) 0.64 0.90
14th		 0.86
Earnings stability (0-1) 0.03 0.35
18th		 0.37
Margin stability (0-1) 0.81 0.82
47th		 0.81

Liquidity (latest quarter)

MeasureCFGIndustry medianIndustry percentileSector median
Cash & short-term investments n/a
Net cash (− = net debt) n/a
Working capital n/a
Current ratio n/a
Quick ratio n/a
Cash ratio (cash + ST investments / current liabilities) n/a
Defensive interval (days) n/a

Leverage & solvency (latest quarter)

MeasureCFGIndustry medianIndustry percentileSector median
Total debt n/a
Debt / equity n/a
Net debt / equity n/a
Debt / assets n/a
Debt / capital n/a
Debt / EBITDA n/a
Net debt / EBITDA n/a
Interest coverage (EBIT / interest) n/a
Cash interest coverage n/a
Debt payback (years of OCF) n/a
Liabilities / assets 88.8% 88.6%
56th		 86.2%
IS credit model rating A- — —
Implied credit spread (bps) 175 150
51st		 175

Efficiency

MeasureCFGIndustry medianIndustry percentileSector median
Asset turnover n/a
Fixed asset turnover n/a
Inventory turnover n/a
Receivables turnover n/a
Days sales outstanding n/a
Days inventory outstanding n/a
Days payables outstanding n/a
Cash conversion cycle (days) n/a
Capex / revenue n/a
Capex / depreciation n/a
Operating expense ratio n/a

Cash flow & earnings quality

MeasureCFGIndustry medianIndustry percentileSector median
Operating cash flow / net income n/a
FCF / net income n/a
FCF / operating cash flow n/a
Capex / operating cash flow n/a
Accruals ratio n/a
Sloan accruals ratio n/a
Earnings quality score (0-1) n/a

Dividends & buybacks

MeasureCFGIndustry medianIndustry percentileSector median
Dividend yield 2.9% 2.6%
60th		 2.3%
Dividend per share (TTM) $1.84 $0.97
82nd		 $1.03
Payout ratio (dividends / net income) 43.1% 29.2%
76th		 30.0%
Dividends / FCF n/a
Dividend growth (YoY) 5.5% 5.5%
50th		 6.4%
Buyback yield 4.2% 1.1%
81st		 1.7%
Shareholder yield (dividends + buybacks) 7.7% 4.1%
81st		 5.2%
Share count change (YoY) -2.3% 0.2%
24th		 -0.3%
Buybacks, last 5 years $5.2B $48.0M
98th		 $85.3M

Scores & forensic checks

MeasureCFGIndustry medianIndustry percentileSector median
IS score 55 54
56th		 53
IS profitability 56 62
39th		 59
IS growth 52 56
41st		 57
IS value 88 82
85th		 77
IS momentum 80 78
58th		 76
IS risk (safety) 50 65
5th		 65
IS quality 76 75
55th		 71
IS balance sheet 44 49
34th		 51
IS earnings quality 98 90
86th		 74
IS cash flow 72 73
47th		 71
Piotroski F-score (0-9) 7 6
54th		 6
Altman Z-score —
Beneish M-score —
Ohlson O-score −6.80 −5.12
3rd		 −6.00
IS credit score 67 71
41st		 68

Per share

MeasureCFGIndustry medianIndustry percentileSector median
EPS, diluted (TTM) $4.98 $3.36
68th		 $3.36
Book value per share $61.36 $32.34
87th		 $28.13
Tangible book per share $39.99 $27.09
73rd		 $21.49
Revenue per share $26.87 $15.66
80th		 $17.62
FCF per share n/a
Operating cash flow per share n/a
Cash per share n/a

Size (TTM)

MeasureCFGIndustry medianIndustry percentileSector median
Market cap $26.7B $1.5B
96th		 $2.5B
Revenue $11.5B $558.9M
95th		 $1.0B
EBITDA $3.2B $153.7M
95th		 $269.3M
Net income $2.1B $113.4M
94th		 $168.0M
Free cash flow n/a
Total assets $233.8B $9.5B
95th		 $8.5B
Shareholders' equity $26.2B $1.2B
96th		 $1.5B
Employees 17,398 930
94th		 1,392

Insider transactions, last 6 months

Form 4 · most recent 12
DateInsiderTypeSharesPriceValueOwned after
2026-09-01Boss Matthew
Head of Consumer Banking
 Tax withholding 10,778$68.87$742,28173,824
2026-08-13Cumming Christine M
Director
 Award / grant 269——52,933
2026-08-13Siekerka Michele N
Director
 Award / grant 134——66,456
2026-08-13Leary Robert G
Director
 Award / grant 208——33,782
2026-08-13Kelly Edward J Iii
Director
 Award / grant 246——39,909
2026-08-13Swift Christopher
Director
 Award / grant 162——26,289
2026-08-13Zuraitis Marita
Director
 Award / grant 269——58,062
2026-08-13Wade Claude E.
Director
 Award / grant 47——7,654
2026-08-13Lillis Terrance
Director
 Award / grant 246——39,909
2026-08-13Alexander Lee
Director
 Award / grant 162——26,289
2026-08-13Atkinson Tracy A
Director
 Award / grant 78——12,716
2026-08-13Cummings Kevin
Director
 Award / grant 134——473,949

Shares acquired vs disposed, by month

acquired disposed · all Form 4 types
MarAprMayJunJulAugSep

By transaction type, 6 months

TypeDirectionFilingsSharesValue
Award / grantAcquired3332,998—
GiftDisposed238,350—
Open-market saleDisposed2135,419$9.7M
Tax withholdingDisposed215,691$1.1M
—Disposed10—
Awards, option exercises and tax withholding are compensation mechanics; open-market buys and sales are the discretionary ones.

Form 144 notices

FiledFilerShares proposedEst. proceeds
None on file.
A Form 144 is notice of a proposed sale, not a confirmed one.

Congress trades

12 months: House 2 trades (2 purchases) · Senate 0 (0 purchases)
TradedMemberChamberTypeAmountDisclosed
2026-09-04Ro KhannaHousePurchase$1,001 - $15,0002026-10-09
2025-10-22Ro KhannaHousePurchase$1,001 - $15,0002025-11-14
2025-04-07Jefferson ShreveHouseSale$15,001 - $50,0002025-05-09
2025-04-06Jefferson ShreveHouseSale (Full)$15,001 - $50,0002025-05-09
2024-01-19Tommy TubervilleSenateSale (Full)$15,001 - $50,0002024-02-14
2024-01-19Tommy TubervilleSenateSale (Full)$15,001 - $50,0002024-02-13
2024-01-19Thomas Hawley TubervilleSenateSale (Full)$15,001 - $50,0002024-02-13
2023-06-12Tommy TubervilleSenatePurchase$1,001 - $15,0002023-07-14
STOCK Act disclosures, in ranges, filed up to 45 days after the trade.

Largest 13F holders

Quarter to 2026-06-30, the latest most managers have filed
ManagerSharesValue% of shares out
BlackRock, Inc.48,737,629$3.4B11.57%
VANGUARD CAPITAL MANAGEMENT LLC26,906,653$1.9B6.39%
Capital World Investors23,269,185$1.6B5.52%
Invesco Ltd.22,154,682$1.6B5.26%
STATE STREET CORP21,241,311$1.5B5.04%
VANGUARD PORTFOLIO MANAGEMENT LLC20,567,346$1.4B4.88%
GEODE CAPITAL MANAGEMENT, LLC11,815,760$824.8M2.81%
MORGAN STANLEY8,476,453$593.9M2.01%
Ninety One UK Ltd7,851,457$550.2M1.86%
NORDEA INVESTMENT MANAGEMENT AB7,260,023$509.0M1.72%
Sixth Street Partners Management Company, L.P.6,411,132$449.2M1.52%
CHARLES SCHWAB INVESTMENT MANAGEMENT INC6,411,132$449.2M1.52%
NORGES BANK5,926,803$415.3M1.41%
LSV ASSET MANAGEMENT5,748,864$402.8M1.36%
DIMENSIONAL FUND ADVISORS LP4,778,809$334.9M1.13%

Institutional ownership by quarter

2023-092026-0698.1%
% of shares held by 13F filers
2023-092026-061,105
Number of 13F filers holding

Holder changes by quarter

QuarterHoldersOwnershipNewIncreasedReducedClosed
2026-06-301,10598.1%16147532171
2026-03-311,02594.1%14643630874
2025-12-3197297.3%18736029763
2025-09-3086395.3%14330629080
2025-06-3081397.7%110288312119
2025-03-3183597.7%12131229394
2024-12-3182197.9%13628330195
2024-09-3080298.7%11128430365
2024-06-3076497.0%10329326154
2024-03-31726100.7%9424828077
2023-12-31716102.9%13121229458
2023-09-30652104.6%5722227590

Schedule 13D / 13G filers

FiledFormFiler% of classShares
None on file.
Required above 5% of a class; 13G is the passive form.

ETFs with the largest holding

ETFWeight in fundHolding value
VITSX0.03%$809.6M
VTSAX0.03%$809.6M
VTI0.03%$809.6M
VSMPX0.03%$809.6M
VFIAX0.04%$705.3M
VFFSX0.04%$705.3M

Share structure

Shares outstanding421,177,000
Float417,418,838
Free float99.1%

Income statement

Fiscal years, USD
FY2021FY2022FY2023FY2024FY2025
Revenue$7.0B$9.1B$12.2B$12.3B$11.1B
Cost of revenue−$72.0M$1.5B$4.7B$5.2B$3.4B
Gross profit$7.1B$7.5B$7.5B$7.1B$7.8B
R&D$0$0$0$0$0
SG&A$2.3B$2.8B$3.0B$3.0B$3.1B
Operating income$3.0B$2.7B$2.0B$1.9B$2.3B
EBITDA$3.6B$3.2B$2.5B$2.4B$2.7B
Pretax income$3.0B$2.7B$2.0B$1.9B$2.3B
Income tax$658.0M$582.0M$422.0M$379.0M$497.0M
Net income$2.3B$2.1B$1.6B$1.5B$1.8B
EPS, diluted$5.16$4.10$3.13$3.03$3.86
Diluted shares427.4M477.8M476.7M453.5M435.5M

Balance sheet

FY2021FY2022FY2023FY2024FY2025
Cash & short-term investments$34.9B$34.6B$41.7B$43.8B$49.4B
Receivables$1.5B$1.5B$1.1B$1.0B$141.9B
Inventory$0$0$0$0$0
Total current assets$36.4B$36.0B$42.8B$44.9B$191.3B
PP&E, net$768.0M$844.0M$895.0M$875.0M$915.0M
Goodwill & intangibles$7.2B$8.4B$8.3B$8.3B$8.3B
Total assets$188.4B$226.7B$222.0B$217.5B$226.4B
Accounts payable$0$0$0$0$0
Total current liabilities$154.4B$180.7B$177.8B$176.8B$183.4B
Long-term debt$6.9B$15.9B$13.5B$10.4B$11.2B
Total liabilities$165.0B$203.0B$197.6B$193.3B$200.0B
Shareholders' equity$23.4B$23.7B$24.3B$24.3B$26.3B

Cash flow statement

Outflows are negative
FY2021FY2022FY2023FY2024FY2025
Net income$2.3B$2.1B$1.6B$1.5B$1.8B
Depreciation & amortization$625.0M$565.0M$478.0M$498.0M$478.0M
Stock-based compensation$59.0M$84.0M$87.0M$97.0M$120.0M
Change in working capital−$962.0M−$858.0M$273.0M−$571.0M−$306.0M
Operating cash flow$2.3B$4.1B$3.0B$2.0B$2.2B
Capital expenditure−$124.0M−$126.0M−$172.0M−$122.0M−$174.0M
Free cash flow$2.2B$4.0B$2.8B$1.9B$2.0B
Investing cash flow−$10.5B−$12.6B$5.2B$3.0B−$6.0B
Net debt issued / repaid−$1.5B$4.8B−$1.9B−$1.6B−$1.2B
Buybacks−$295.0M−$153.0M−$906.0M−$1.4B−$1.0B
Dividends paid−$783.0M−$892.0M−$928.0M−$903.0M−$888.0M

Ratio history

Margins on the fiscal-year (TTM at Q4) basis; multiples at each year end
FY2021FY2022FY2023FY2024FY2025
Gross margin101.0%83.2%61.8%57.6%69.8%
Operating margin42.6%29.3%16.7%15.3%20.9%
Net margin33.2%22.9%13.2%12.2%16.4%
FCF margin30.8%44.0%22.9%15.2%18.3%
ROE10.1%8.8%6.7%6.2%7.2%
ROIC-51.8%41.5%-47.5%-21.0%-15.5%
ROA1.2%1.0%0.7%0.7%0.8%
Debt / equity0.300.670.570.510.43
Interest coverage8.8x2.5x0.5x0.4x0.6x
Current ratio0.240.200.240.251.04
Revenue growth−9.0%+29.8%+34.4%+1.3%−9.7%
EPS growth+120.4%−23.0%−17.9%−1.2%+23.9%
P/E at year end7.3x8.2x8.9x12.4x13.9x
EV / EBITDA at year endn/mn/mn/mn/mn/m
FCF yield at year end12.73%23.50%19.51%10.02%8.01%
Dividend payout33.8%43.0%57.7%59.8%48.5%

Revenue by segment

FY2021FY2022FY2023FY2024FY2025
Service Charges and Fees$407.0M$418.0M$409.0M$417.0M$442.0M
Card Fees$248.0M$271.0M$291.0M$362.0M$335.0M
Trust and Investment Services Fees$239.0M$250.0M$259.0M——

Street estimates by fiscal year

Next report 2027-01-21 · consensus EPS $1.49 · these are analysts' numbers, not ours
Fiscal yearRevenue (mean)Revenue rangeEPS (mean)EPS rangeAnalystsP/E on mean EPS
2026$9.2B$9.1B – $9.2B$5.30$5.24 – $5.351512.0x
2027$10.0B$9.9B – $10.0B$6.49$6.26 – $6.81149.8x
2028$10.6B$10.5B – $10.9B$7.55$7.33 – $8.19118.4x

Reported vs expected, every quarter on file

ReportedEPS expectedEPS actualEPS surpriseRevenue expectedRevenue actualRevenue surprise
2026-10-16$1.39$1.41+1.4%$2.3B$2.3B−0.7%
2026-07-16$1.24$1.30+4.8%$2.3B$2.3B+1.4%
2026-04-16$1.10$1.13+2.7%$2.2B$2.2B+0.2%
2026-01-21$1.10$1.13+2.7%$2.2B$2.2B+0.3%
2025-10-15$1.03$1.05+1.9%$2.1B$2.1B+0.9%
2025-07-17$0.88$0.92+4.2%$2.0B$2.0B+1.4%
2025-04-16$0.75$0.77+2.8%$1.9B$1.9B−0.1%
2025-01-17$0.83$0.85+2.4%$2.0B$2.0B+0.8%
2024-10-16$0.79$0.77−2.5%$1.9B$1.9B−1.7%
2024-07-17$0.79$0.78−1.3%$1.9B$2.0B+0.6%
2024-04-17$0.74$0.65−12.2%$2.0B$2.0B+0.1%
2024-01-17$0.71$0.34−52.1%$2.0B$2.0B−0.4%
2023-10-18$0.91$0.85−6.6%$2.0B$2.0B−1.3%
2023-07-19$1.01$0.92−8.9%$2.1B$2.1B−0.2%
2023-04-19$1.13$1.00−11.5%$2.1B$2.1B−0.6%
2023-01-17$1.31$1.25−4.6%$2.2B$2.2B+0.4%
2022-10-19$1.22$1.23+0.8%$2.1B$2.2B+2.0%
2022-07-19$1.02$1.14+11.8%$2.0B$2.0B−1.0%
2022-04-19$0.92$0.93+1.1%$1.6B$1.6B+0.6%
2022-01-19$1.13$1.17+3.5%$1.7B$1.7B+2.8%
2021-10-20$1.16$1.18+1.7%$1.6B$1.7B+0.8%
2021-07-20$1.11$1.44+29.7%$1.6B$1.6B−2.4%
2021-04-16$0.97$1.37+41.2%$1.6B$1.7B+3.1%
2021-01-20$0.91$0.99+8.8%$1.6B$1.7B+9.6%

Off-exchange (dark pool) volume, weekly

FINRA ATS, $ billions · through the week of 2026-08-31 (FINRA publishes with a delay)
0.206-150.306-220.306-290.507-060.607-130.307-200.407-270.308-030.208-100.308-170.208-240.308-31
Week ofNotionalSharesTrades
2026-08-31$255.7M3,674,88273,178
2026-08-24$163.0M2,324,04256,450
2026-08-17$250.3M3,466,95977,980
2026-08-10$222.4M3,022,67061,869
2026-08-03$258.0M3,524,97176,752
2026-07-27$355.9M4,961,04792,745

Short-sale share of off-exchange volume

daily 20-day average
07-2310-1554.9%
DateShort shareShort volumeTotal volume
2026-10-1554.9%828,8131,509,550
2026-10-1440.4%452,5991,121,381
2026-10-1344.6%514,9411,154,177
2026-10-1249.4%442,648895,911
2026-10-0946.4%410,097883,064
2026-10-0838.5%818,3472,123,168
2026-10-0739.2%472,7931,207,432
2026-10-0633.9%418,7171,234,497
2026-10-0546.8%547,0241,168,786
2026-10-0247.0%584,8621,244,633
A daily flow measure from FINRA, not short interest.

Seasonality

Average return by calendar month
+2.2Jan-0.8Feb-9.1Mar+4.0Apr+1.1May-1.2Jun+5.4Jul+1.4Aug+0.7Sep+3.0Oct+8.8Nov+1.2Dec
MonthAvg returnUp yearsYears
Jan+2.2%67%12
Feb−0.8%42%12
Mar−9.1%17%12
Apr+4.0%73%11
May+1.1%64%11
Jun−1.2%55%11
Jul+5.4%73%11
Aug+1.4%55%11
Sep+0.7%58%12
Oct+3.0%67%12
Nov+8.8%83%12
Dec+1.2%67%12
History, not a forecast.

Indicators

as of 2026-10-16
RSI 1438.2
MFI51.6
ADX35.8
Stochastic %K / %D37.6 / 36.4
Williams %R-52.6
CCI-39
TSI / signal-29.8 / -30.3
Chaikin money flow-0.02
ATR$1.45
Bollinger width6.4%
Volume vs 20-day avg1.79x
SupertrendDown

Moving averages and bands

level (price vs level)
SMA 20$64.19 (−1.3%)
SMA 50$68.07 (−6.9%)
SMA 200$65.28 (−2.9%)
EMA 21$64.66 (−2.0%)
EMA 50$66.66 (−5.0%)
EMA 200$64.22 (−1.3%)
Bollinger upper$66.26 (−4.4%)
Bollinger lower$62.13 (+2.0%)
Parabolic SAR$61.91 (+2.3%)
Open the live chart, 110+ indicators

About Citizens Financial Group, Inc.

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.

https://www.citizensbank.com

Key executives

NameTitlePayBorn
Bruce Winfield Van SaunChief Executive Officer & Chairman of the Board$4.5M1957
Theodore C. SwimmerExecutive VP & Head of Commercial Banking$3.7M1969
Brendan CoughlinPresident and Head of Consumer, Private Banking & Wealth$2.2M1980
Aunoy BanerjeeExecutive Vice President & Chief Financial Officer$1.6M1978
Susan LaMonicaExecutive Vice President & Chief Human Resources Officer$1.2M1962
Chris EmersonHead of Investor Relations$805,200—
Michael RuttledgeExecutive Vice President, Chief Information Officer & Head of Enterprise Security and Technology—1964
Michelle MoosallyExecutive Vice President, General Counsel and Chief Legal Officer—1976

Executive pay, latest proxy

ExecutiveYearSalaryStock awardsIncentiveTotal
Bruce Van Saun, Chairman & Chief Executive Officer2014$1.5M$4.9M$3.3M$10.5M
Robert D. Matthews, Jr., Head of Commercial Banking2014$750,000$1.7M$1.4M$4.5M
John J. Fawcett, Chief Financial Officer2014$700,000$1.1M$1.1M$3.4M
Brad L. Conner, Head of Consumer Banking2014$700,000$1.2M$823,375$3.3M
Nancy L. Shanik, Chief Risk Officer2014$575,000$1.2M$768,650$3.0M
Stephen T. Gannon, General Counsel2014$219,231$20,078$0$2.6M

Employees

18k201818k20195k202017k202119k202218k202317k202417k2025

Dividends

Ex-dateAmountPaid
2026-07-30$0.462026-08-13
2026-04-30$0.462026-05-14
2026-02-04$0.462026-02-18
2025-10-29$0.462025-11-12
2025-07-31$0.422025-08-14
2025-04-30$0.422025-05-14
2025-01-31$0.422025-02-14
2024-10-30$0.422024-11-13

Moat model

None · Intangible Assets · 2026-06-30
Cost advantage32
Intangibles55
Switching costs22
Network effect42
Efficient scale52
Our component scores (0-100) and overall 39.8; a model of the business, not a call on the stock.
InsiderStreet reports findings from filings and market data. Nothing on this page is a recommendation to buy or sell.Every figure is computed in code · data as of 2026-10-17

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