CFG
Financial Services · Banks - Regional
Performance
CFG (CFG) Stock Analysis 2026
Rule-based · Updated daily · Not financial advice
CFG (CFG) operates in the Banks - Regional space within the Financial Services sector. With a market cap of $28.3B, it qualifies as a mid-cap company. The company is growing revenue strongly while maintaining healthy profitability — a combination that investors typically reward with a premium valuation.
- Forward P/E (10.5×) is lower than trailing P/E (15.9×) — analysts expect earnings to improve
- Revenue growth of 14% YoY shows solid business momentum
- Earnings grew 47% YoY — bottom-line is expanding fast
- Exceptional profit margin of 25.0% — the business retains a large share of each dollar earned
- Dividend yield of 2.76% provides consistent income on top of price appreciation
- Price is near its 52-week high — limited near-term upside, higher pullback risk
Verdict
Strong Buy
Multiple fundamental strengths with few red flags. Long-term buyers may find this compelling.
AI Insight
Powered by ClaudeAI-generated analysis for informational purposes only. Not financial advice.
Related Articles
Revenue & Results
Dividends
Current DY
2.76%
5Y Avg Annual
$1.5240
Last Payment
$0.4600
Ex-Date
04/30/2026
Annual dividends paid per share
| Ex-Date | Payment | Amount | Est. DY |
|---|---|---|---|
Latest04/30/2026 | 05/14/2026 | $0.4600 | 2.75% |
02/04/2026 | 02/18/2026 | $0.4600 | 2.75% |
10/29/2025 | 11/12/2025 | $0.4600 | 2.75% |
07/31/2025 | 08/14/2025 | $0.4200 | 2.51% |
04/30/2025 | 05/14/2025 | $0.4200 | 2.51% |
01/31/2025 | 02/14/2025 | $0.4200 | 2.51% |
10/30/2024 | 11/13/2024 | $0.4200 | 2.51% |
07/31/2024 | 08/14/2024 | $0.4200 | 2.51% |
Magic Number
Shares needed to self-fund your next purchase
$67.02
Price
$0.4600
Last div. (quarterly)
146
shares
Own 146 CFG shares ($9,784.92) and each quarterly dividend pays for 1 new share — the snowball runs on its own.
Investment target
$9,784.92
New shares / year
+4 shares
If You Had Invested…
Hypothetical return based on historical prices
* Dividend reinvestment calculated at ex-date price. For informational purposes only.
Earnings
Next Earnings
Jul 16, 2026
30
days
EPS (TTM)
$4.22
P/E (TTM)
15.9
Fwd P/E
10.5
Earnings History
SEC EDGAR · official filings
SEC Filings
Official EDGAR documents
Key Statistics
Valuation
Trading
Dividends
Profitability
Balance Sheet
Fair Value Estimates
Current price: $67.02
Graham Number
√(22.5 × EPS × Book Value)
$73.23
Benjamin Graham's intrinsic value formula. Assumes a fair stock trades at no more than 22.5× the product of EPS and book value per share.
Bazin Ceiling Price
Avg. Annual DPS (5Y) ÷ 6%
$27.53
Décio Bazin's dividend-based ceiling. The max price you should pay so that dividends alone deliver at least 6% annual yield on your cost basis.
These are simplified estimates. Not financial advice.
Buy & Hold Checklist
Quality criteria for long-term holding
7/10
88% score
Pays dividends
12Y hist.12+ years of dividend history
Dividend consistency (5Y+)
12 yrsUninterrupted dividend payments for at least 5 years
ROE above 10%
7.7%Return on equity — measures how efficiently capital is used
Positive profit margin
25.0%Net profit margin must be positive — company earns more than it spends
Revenue growth (annual)
+13.8%Annual revenue must be growing compared to the prior year
Earnings growth (annual)
+46.8%Annual earnings must be growing compared to the prior year
Debt/Equity below 2×
Low financial leverage reduces risk of distress
Current ratio above 1
Short-term assets must cover short-term liabilities
Daily liquidity above $5M
$297M/dayHigh trading volume ensures easy entry and exit
Dividend yield above 0%
2.76%Stock must distribute income to shareholders
Related Assets
Financial Services
About CFG
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.
Sector
Financial Services
Industry
Banks - Regional
Location
Providence, United States
Employees
17,380