Citizens Financial Group Inc
Exchange: NYSESector: Financial ServicesIndustry: Banks - Regional
Citizens Financial Group, Inc. is one of the nation’s oldest and largest financial institutions, with $220.1 billion in assets as of March 31, 2025. Headquartered in Providence, Rhode Island, Citizens offers a broad range of retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations and institutions. Citizens helps its customers reach their potential by listening to them and by understanding their needs in order to offer tailored advice, ideas and solutions. In Consumer Banking, Citizens provides an integrated experience that includes mobile and online banking, a full-service customer contact center and the convenience of approximately 3,100 ATMs and approximately 1,000 branches in 14 states and the District of Columbia. Consumer Banking products and services include a full range of banking, lending, savings, wealth management and small business offerings. In Commercial Banking, Citizens offers a broad complement of financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange, interest rate and commodity risk management solutions, as well as loan syndication, corporate finance, merger and acquisition, and debt and equity capital markets capabilities.
Did you know?
Holds 1.2x more cash than debt — a strong balance sheet.
Current Price
$60.99
+0.69%GoodMoat Value
$85.16
39.6% undervaluedProfile
Valuation (TTM)
Market Cap$26.19B
P/E15.52
EV$22.50B
P/B1.00
Shares Out429.49M
P/Sales3.43
Revenue$7.64B
EV/EBITDA8.93
Citizens Financial Group Inc (CFG) Stock Analysis
GoodMoat Analysis
Citizens Financial Group is a regional bank with a potentially durable moat, scoring 6 out of 14 on our framework, and is trading at a price that suggests a favourable margin of safety. Its valuation appears attractive with a P/E of 15.1x and a GoodMoat Target implying significant upside. The combination of a passing moat score and a strong valuation case makes it a candidate for deeper due diligence.
Read full analysis
Citizens Financial Group (CFG) operates as a regional bank in the financial services sector. Applying the GoodMoat Investment Framework, the company demonstrates a potentially durable competitive advantage, achieving a Moat Score of 6 out of 14. Key moat criteria likely include regulatory barriers inherent to the banking industry, a degree of scale privilege in its regional footprint, and established customer relationships that create switching costs. This score passes the initial gate of the Decision Framework, which requires a score of 5 or higher to proceed. The company also shows solid financial health with a strong operating margin of 30.5% and a reasonable debt-to-equity ratio of 0.43. However, an ROE of 6.4% is below the framework's high-quality threshold of 15-20%, indicating room for improvement in returns. The valuation case is compelling. The current price of $59.42 compares to a GoodMoat Target of $85.16, implying a margin of safety well above the 40% threshold considered 'Deeply Undervalued'. Supporting this, the stock trades at a P/E of 15.1x and offers a free cash flow yield of 8.0%. For a value investor, CFG presents an interesting profile: it clears the fundamental hurdle of having an identifiable moat and is priced at a level that offers a significant discount to its estimated intrinsic value, warranting further investigation into its specific business drivers and risk factors. Analysis based on data as of 2024-05-15.
Market Cap$26.19B
Current Price$60.99
P/E Ratio15.52
Forward P/E—
PEG Ratio0.43
EPS$3.86
Book Value$61.28
P/B Ratio1.00
CFG Financial Charts
FCF vs CAPEX
FCFCAPEX
Forward estimates use 4.1% FCF growth (CAGR)
Cash vs Debt
Net Cash: 2.4B
Revenue
6.1B
FY19
5.3B
FY20
7.1B
FY21
7.5B
FY22
7.5B
FY23
7.1B
FY24
7.6B
FY25
Net Income
1.7B
FY19
950M
FY20
2.2B
FY21
2.0B
FY22
1.5B
FY23
1.4B
FY24
1.7B
FY25
CFG 52-Week Range
$33.18
$68.12
50-Day MA: $61.52200-Day MA: $53.85
Did you know?
Profit margin of 22.1% — that's well above average.
Citizens Financial Group Inc (CFG) Financial Summary
Citizens Financial Group Inc (CFG) is a Financial Services company in the Banks - Regional industry, listed on NYSE. The stock currently trades at $60.99 with a market capitalization of $26.19B.
Key valuation metrics include a P/E ratio of 15.52, price-to-book ratio of 1.00, and EPS of $3.86. The company reports a profit margin of 22.1% and return on equity of 6.4%.
CFG Key Financial Metrics
| Metric | Value |
|---|---|
| Market Cap | $26.19B |
| P/E Ratio | 15.52 |
| EPS | $3.86 |
| P/B Ratio | 1.00 |
| P/S Ratio | 3.43 |
| EV/EBITDA | 8.93 |
| Dividend Yield | 2.88% |
| Profit Margin | 22.1% |
| Return on Equity | 6.4% |
| Debt/Equity | 0.43 |
CFG Revenue & Earnings History
| Year | Revenue | Net Income |
|---|---|---|
| FY19 | $6.10B | $1.72B |
| FY20 | $5.29B | $950.00M |
| FY21 | $7.06B | $2.21B |
| FY22 | $7.55B | $1.96B |
| FY23 | $7.54B | $1.49B |
| FY24 | $7.12B | $1.37B |
| FY25 | $7.64B | $1.69B |
Citizens Financial Group Inc (CFG) Valuation
Based on GoodMoat's DCF model, Citizens Financial Group Inc has a fair value estimate of $85.16. At the current price of $60.99, the stock appears 28.4% undervalued relative to our intrinsic value estimate.
CFG Quality Indicators
Citizens Financial Group Inc maintains a profit margin of 22.1% and an operating margin of 30.5%. Return on equity stands at 6.4%. Debt-to-equity ratio is 0.43.
About Citizens Financial Group Inc
Citizens Financial Group, Inc. is one of the nation’s oldest and largest financial institutions, with $220.1 billion in assets as of March 31, 2025. Headquartered in Providence, Rhode Island, Citizens offers a broad range of retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations and institutions. Citizens helps its customers reach their potential by listening to them and by understanding their needs in order to offer tailored advice, ideas and solutions. In Consumer Banking, Citizens provides an integrated experience that includes mobile and online banking, a full-service customer contact center and the convenience of approximately 3,100 ATMs and approximately 1,000 branches in 14 states and the District of Columbia. Consumer Banking products and services include a full range of banking, lending, savings, wealth management and small business offerings. In Commercial Banking, Citizens offers a broad complement of financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange, interest rate and commodity risk management solutions, as well as loan syndication, corporate finance, merger and acquisition, and debt and equity capital markets capabilities.
CFG Free Cash Flow
Citizens Financial Group Inc generated $2.04B in trailing twelve-month free cash flow, representing an FCF yield of 7.78%. This strong FCF yield suggests the company generates substantial cash relative to its market value.
CFG Shares Outstanding
Citizens Financial Group Inc has 0.43 billion shares outstanding at a share price of $60.99, giving it a market capitalization of $26.19B.
CFG Recent Insider Trades
Recent insider transactions at Citizens Financial Group Inc include:
| Insider | Type | Shares | Value |
|---|---|---|---|
| LaMonica Susan (Chief Human Resources Officer) | SELL | 13,258 | $769494.32 |