Each point was worked out with the data available that day. Scale 0-10: 5 is the index average and 10 is the cap (+3 standard deviations), not perfection. The vertical axis zooms to fit this company, so two charts are not comparable by eye.
Market and Valuation
Price & Market
Prev Close Price:$64.93
Open:$64.67
Day's Low:$64.20
Day's High:$65.28
Bid / Ask:-
Market Cap:26.98B
Enterprise Value:33.70B
52-Week Range
52-Week Low:$49.00
52-Week High:$75.33
Current position in 52-week range
52w Low-52w High
50-Day Avg:$66.34
200-Day Avg:$65.61
Volume
Volume Today:3,528,095
Avg Volume (3m):3,918,984
Avg Volume (10d):4,471,580
52-Week Change:+27.99%
vs S&P 500, 52 weeks:-
Beta:1.10
Valuation Multiples
P/E (trailing):12.98
Diluted EPS for the last 12 months: the four quarters ended Sep 30, 2026, from the accounts filed with the SEC on Oct 28, 2026. The P/E is the price divided by that EPS.
P/E (forward):9.92
PEG Ratio:1.65
Price / Book:1.18
Price / Sales (TTM):3.21
EV / Revenue:4.02
EV / EBITDA:-
Dividends
Current yield:3.20%
Annual Dividend Rate:$2.08
Dividend Trailing:$1.84
Yield Trailing:2.83%
5-Year Avg Yield:3.82%
Payout Ratio:37.17%
Last Ex-Dividend Date:-
Valuation Context
P/E vs sector (indicative)
Most Recent Quarter:-
Fiscal Year (Next):-
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Date
Open
High
Low
Close
Volume
Financial Statements TTM (Trailing 12 Months)
Income Statement
Total Revenue (TTM):8.39B
Gross Profit:8.39B
EBITDA:-
Net Income (TTM):2.13B
Rev Growth (YoY):+11.90%
Earnings Growth (YoY):+34.30%
Quarterly earnings growth (YoY):+28.70%
Margins
Gross Margin:-
EBITDA Margin:-
Operating Margin:-
Net Margin:-
Per Share
EPS Trailing (TTM):$4.96
Diluted EPS for the last 12 months: the four quarters ended Sep 30, 2026, from the accounts filed with the SEC on Oct 28, 2026. The P/E is the price divided by that EPS.
EPS Forward (Est.):$6.49
Revenue Per Share:$19.77
Cash Per Share:-
Book Value:$54.49
Last Dividend:-
Ex-Dividend Date:-
Last Split:-
Balance Sheet & Liquidity
Total cash:13.56B
Total Debt:17.83B
Net Debt (Debt - Cash):4.27B
Debt / Equity:-
Current Ratio:-
Quick Ratio:-
Cash Flows
Operating Cash Flow:1.26B
Free Cash Flow (FCF):-
FCF Yield (FCF / Market Cap):-
Enterprise Value:33.70B
EV / Revenue:4.02
EV / EBITDA:-
Profitability
ROE (Return on Equity):8.90%
ROA (Return on Assets):0.99%
P/E (trailing):12.98
P/E (forward):9.92
Price / Book:1.18
PEG Ratio:1.65
52-Week Change:+27.99%
S&P 500 change, 52 weeks:+11.37%
Historical Evolution (Last 4 Years)
Income Statement
Balance Sheet
Cash Flow
EPS and Earnings Per Share
Key EPS Metrics
EPS Trailing (TTM):$4.96
Diluted EPS for the last 12 months: the four quarters ended Sep 30, 2026, from the accounts filed with the SEC on Oct 28, 2026. The P/E is the price divided by that EPS.
EPS Forward (Est.):$6.49
P/E (forward):9.92
PEG Ratio:1.65
Growth and Margins
Earnings Growth YoY:-
Quarterly Earnings Growth YoY:-
Rev Growth YoY:-
Net Margin:-
Gross Margin:-
EBITDA Margin:-
Per Share
Revenue Per Share:$19.77
Cash Per Share:-
Book Value:$54.49
Cash Flows (TTM)
Free Cash Flow:-
Operating Cash Flow:1.26B
EBITDA:-
Total Revenue (TTM):8.39B
Net Income (TTM):2.13B
Fiscal Year (Last):-
EPS Surprise History - Last 4 Quarters
Actual vs. Analyst Estimates · Green = beat expectations · Red = missed
Quarter
Period
Actual EPS
Estimated EPS
Difference
Surprise %
Currency
Ownership Structure
Ownership Distribution
% Insiders:-
% Institutional:-
% Inst. (of Float):-
No. of Institutions:-
Visual distribution
InsidersInstitutionalFree Float
Shares & Short Interest
Shares Outstanding:419,195,029
Float (free shares):415,053,382
Short interest (shares):23,895
Short % of float:-
Short Ratio (days to cover):0.01
Short interest, prior month:-
Short Interest Date:-
Governance Score (1=Best, 10=Worst)
Overall risk:-
Audit Risk:-
Board risk:-
Compensation Risk:-
Shareholder rights risk:-
Top Institutional Holders
Position Change: ▲ Increased · ▼ Reduced · = Unchanged
Organization
Report Date
% Shares
No. Shares
Value (USD)
Change %
Top Mutual Funds
Position Change: ▲ Increased ▼ Decreased = Unchanged
Fund
Report Date
% Shares
No. Shares
Value (USD)
Change %
Recent Insider Trades
Executive / Insider
Title
Date
Action
Shares
Options Chain
CALLS
Strike
Last
Bid
Ask
Vol.
O.I.
IV
PUTS
Strike
Last
Bid
Ask
Vol.
O.I.
IV
Sentiment Metrics
Put/Call Ratio (Volume):-
Put/Call Ratio (O.I.):-
Max Pain (estimated):-
Total O.I. Calls:-
Total O.I. Puts:-
Expected move
Average IV (Calls ATM):-
Average IV (Puts ATM):-
Days to Expiration:-
Expected move (±):-
Citizens Financial Group, Inc. (CFG) SEC filings: 10-K, 10-Q and 8-K
Direct links to financial reports filed with the SEC.
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.
Executive VP, Chief Information Officer and Head of Enterprise Security & Technology
61
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Ms. Michelle Moosally
Executive Vice President, General Counsel and Chief Legal Officer
49
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Citizens Financial Group, Inc. (CFG): Quantitative Analysis
Citizens Financial Group, Inc. (CFG) — Financial Services — Banks - Regional. CFG is in the S&P 500 today. Model factor scores and market data, recalculated every trading day.
So far in 2026, CFG has returned +13.5% against +11.4% for the S&P 500 (SPY): total return, dividends included on both sides, from Dec 31, 2025 to Nov 3, 2026.
CFG ranks 114 of 461 on today's multifactor score, and 18 of the 58 Financial Services companies that score. Its strongest factor is value (Z 0.87, ranked 53 of 489); its weakest is growth (Z -0.49, ranked 416 of 489). Each factor ranks only the companies with data for it, and the multifactor score only those with all four: that is why the totals differ.
Factor scores
The Z-Score is how many standard deviations the company sits from the index average: 0 is average, positive is better than average, negative is worse.
Frequently asked questions about Citizens Financial (CFG)
When does Citizens Financial report earnings?
Citizens Financial has no announced date in the Nasdaq public calendar checked (Nov 3, 2026 to Dec 7, 2026). Of its last 12 earnings announcements: 12 before the open (SEC filings through Oct 16, 2026). CFG earnings dates and times, quarter by quarter →
What is Citizens Financial's P/E ratio?
Citizens Financial's P/E (price over earnings per share for the last twelve months) is 13.0 at the Nov 3, 2026 close. That EPS is the 12-month diluted figure from the SEC, the four quarters ended Sep 30, 2026. The median of the 68 Financial Services companies with a P/E is 14.2, and the S&P 500's, 23.5: Citizens Financial is below its sector median. Financial Services stocks, company by company →
Where does Citizens Financial rank on Quant500?
In the Nov 3, 2026 multi-factor ranking, Citizens Financial ranks 114 of 461, and 18 of the 58 Financial Services companies that score. The ranking orders S&P 500 companies by the average of four factors (momentum, value, quality and growth) and is recalculated every trading day. It is a model output, not investment advice. The full ranking →How it is calculated →
Have Citizens Financial insiders bought or sold shares?
The latest open-market purchase of Citizens Financial shares filed with the SEC (Form 4) was on Jun 2, 2025, by a director, for $801. The latest sale was on Jul 24, 2026, by a director who is also an officer, for $9.3M. In total, from August 2025 through Nov 3, 2026: 2 purchases and 3 sales by directors, officers and large shareholders. All CFG insider trades →
Does Citizens Financial pay a dividend?
Yes. Its dividend yield is 3.20% at the Nov 3, 2026 close (annual dividend of $2.08 per share). The latest recorded ex-dividend date is Oct 30, 2026.
What sector is Citizens Financial in, and which index?
Citizens Financial is classified in the Financial Services sector (industry: Banks - Regional), per the data provider's classification (similar to GICS, not identical). It is in the S&P 500 today. It is one of the 70 S&P 500 companies in that sector. Financial Services stocks →
What is behind these numbers
The concepts on this page, explained from scratch in the Academy. Free, no account.
Quality and low volatilityWhere the quality score comes from, and why it is the factor with the most competing definitions, all of them called the same thing.
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