CFG- Citizens Financial Group, Inc.
Financial Services · Banks - Regional
Price & Performance
Performance
Analysis & Verdict
Analyst Ratings
BuyWall Street consensus from 17 analysts
12-Month Price Target
$81.47
Based on analyst estimates; price targets are opinions, not guarantees.
Fair Value Estimates
Current price: $70.54
Graham Number
√(22.5 × EPS × Book Value)
$76.69
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%
8.3%Return on equity - measures how efficiently capital is used
Positive profit margin
26.1%Net profit margin must be positive - company earns more than it spends
Revenue growth (annual)
+14.7%Annual revenue must be growing compared to the prior year
Earnings growth (annual)
+41.3%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
$285M/dayHigh trading volume ensures easy entry and exit
Dividend yield above 0%
2.61%Stock must distribute income to shareholders
Financials
Revenue & Results
Key Statistics
Earnings
Next Earnings
Oct 16, 2026
31
days
EPS (TTM)
$4.59
P/E (TTM)
15.4
Fwd P/E
10.8
SEC Filings & Reported Financials
Earnings History
SEC EDGAR · official filings
SEC Filings
Official EDGAR documents
Insider Transactions
SEC Form 4 · officers, directors & 10% owners
Dividends & Income
Dividends
Current DY
2.61%
5Y Avg Annual
$1.6160
Last Payment
$0.4600
Ex-Date
07/30/2026
Annual dividends paid per share
| Ex-Date | Payment | Amount | Est. DY |
|---|---|---|---|
Latest07/30/2026 | 08/13/2026 | $0.4600 | 2.61% |
04/30/2026 | 05/14/2026 | $0.4600 | 2.61% |
02/04/2026 | 02/18/2026 | $0.4600 | 2.61% |
10/29/2025 | 11/12/2025 | $0.4600 | 2.61% |
07/31/2025 | 08/14/2025 | $0.4200 | 2.38% |
04/30/2025 | 05/14/2025 | $0.4200 | 2.38% |
01/31/2025 | 02/14/2025 | $0.4200 | 2.38% |
10/30/2024 | 11/13/2024 | $0.4200 | 2.38% |
Magic Number
Shares needed to self-fund your next purchase
$70.54
Price
$0.4600
Last div. (quarterly)
154
shares
Own 154 CFG shares ($10,863.16) and each quarterly dividend pays for 1 new share - the snowball runs on its own.
Investment target
$10,863.16
New shares / year
+4 shares
Dividend Calculator
2.61% yieldEstimate CFG dividend income at the current rate.
Per year
$260.84
Per month
$21.74
≈ 141.8 shares at $1.84/share a year. Estimate only - dividends can be cut or raised.
Tools & Simulators
CFG vs Peers, Indexes & Commodities
?Click a card below to plot it on the chart
Loading history…
Parameters
Final value
$426,404.61
Total invested
$130,000.00
Total interest
$296,404.61
Balance over time
Period breakdown
| Period | Balance | Invested | Interest |
|---|---|---|---|
| Start | $10,000.00 | $10,000.00 | $0.00 |
| Year 1 | $17,270.27 | $16,000.00 | $1,270.27 |
| Year 2 | $25,267.56 | $22,000.00 | $3,267.56 |
| Year 3 | $34,064.59 | $28,000.00 | $6,064.59 |
| Year 4 | $43,741.32 | $34,000.00 | $9,741.32 |
| Year 5 | $54,385.72 | $40,000.00 | $14,385.72 |
| Year 6 | $66,094.55 | $46,000.00 | $20,094.55 |
| Year 7 | $78,974.28 | $52,000.00 | $26,974.28 |
| Year 8 | $93,141.97 | $58,000.00 | $35,141.97 |
| Year 9 | $108,726.44 | $64,000.00 | $44,726.44 |
| Year 10 | $125,869.35 | $70,000.00 | $55,869.35 |
| Year 11 | $144,726.56 | $76,000.00 | $68,726.56 |
| Year 12 | $165,469.48 | $82,000.00 | $83,469.48 |
| Year 13 | $188,286.70 | $88,000.00 | $100,286.70 |
| Year 14 | $213,385.63 | $94,000.00 | $119,385.63 |
| Year 15 | $240,994.47 | $100,000.00 | $140,994.47 |
| Year 16 | $271,364.18 | $106,000.00 | $165,364.18 |
| Year 17 | $304,770.87 | $112,000.00 | $192,770.87 |
| Year 18 | $341,518.22 | $118,000.00 | $223,518.22 |
| Year 19 | $381,940.31 | $124,000.00 | $257,940.31 |
| Year 20 | $426,404.61 | $130,000.00 | $296,404.61 |
What is compound interest?
Compound interest means that the interest you earn in one period is added to your principal, so in the next period you earn interest on a larger base. This creates exponential growth: the longer your time horizon, the more dramatic the effect.
Which rate should I use?
The S&P 500 has historically returned ~10%/year before inflation over long periods - use this for an all-equity US index fund scenario. A balanced growth portfolio (stocks + bonds) is closer to 7%. High-yield savings accounts (HYSA) are currently paying around 4-5% with FDIC insurance and zero market risk. Bonds historically return ~4% annualized.
Formula used
FV = PV × (1+r)^n + PMT × ((1+r)^n − 1) / rwhere r is the monthly rate, n is the number of months, PV is the initial investment, and PMT is the monthly contribution. Annual rates are converted to monthly viar = (1 + annual%)^(1/12) − 1.
For educational purposes only. Not financial advice. Past returns do not guarantee future results.
Discussion
Sign in to join the discussionSign inLoading…
Discover
Related Assets
Financial Services
Related Articles
About Citizens Financial Group, Inc.
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
17,727
Stock Market ROI Pro
All features, zero ads- web & app
Unlock every feature, ad-free, across our website and iOS app.
Citizens Financial Group, Inc. (CFG) stock trades at $70.54, up 0.09% on the day. With a market capitalization of $29.71 billion, CFG is a large-cap financial services stock. It trades at a price-to-earnings (P/E) ratio of 15.4, a forward P/E of 10.8 and earnings per share (EPS) of $4.59. Over the most recent period the company reported 15% year-over-year revenue growth and a net profit margin of 26.1%. Below you'll find CFG's full fundamentals, fair-value estimates, dividend history, earnings and our buy, hold or avoid verdict for 2026.
CFG - Frequently Asked Questions
Is Citizens Financial Group, Inc. (CFG) a good stock to buy in 2026?
Citizens Financial Group, Inc. (CFG) shows strengths such as revenue growth of 15% and a strong 26% net margin. Whether CFG is a good buy in 2026 depends on your time horizon and risk tolerance - review the full bull case, bear case and fair-value estimates above. This is informational analysis, not financial advice.
What is CFG's stock price today?
Citizens Financial Group, Inc. (CFG) trades at $70.54, up 0.09% on the session. Prices on this page update throughout the trading day.
Does CFG pay a dividend?
Yes. Citizens Financial Group, Inc. pays an annual dividend of $1.84 per share, a dividend yield of 2.61%. The most recent ex-dividend date was July 30, 2026. Its payout ratio is about 39% of earnings.
Is CFG overvalued?
With a P/E ratio of 15.4×, CFG trades at a roughly market-average valuation for the financial services sector. Its PEG ratio is 1.65. See the Fair Value Estimates section above for Graham Number and dividend-based price targets.
What is CFG's market cap?
Citizens Financial Group, Inc. (CFG) has a market capitalization of $29.71 billion, classifying it as a large-cap stock in the Financial Services sector.
Disclaimer: This page - including any buy/hold/avoid view, fair value or price estimate - is generated from market data for informational and educational purposes only and does not constitute financial, investment or trading advice. Data may be delayed or inaccurate. Always do your own research and consult a licensed financial advisor before making any investment decision.