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CompareEarnings: May 31, 2026

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% undervalued
Profile
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) Company Profile

GoodMoat Analysis

Based on data as of March 26, 2026

Citizens Financial is a traditional regional bank with a stable business model, but it shows limited evidence of a durable competitive moat according to the GoodMoat framework. A value investor might be interested in its reasonable valuation and 8.0% free cash flow yield, but must weigh this against its moderate profitability and sensitivity to economic cycles.

Read full analysis
Citizens Financial Group Inc is a regional bank that provides traditional banking services like taking deposits, making loans (commercial and consumer), and offering wealth management. Its customers are primarily individuals and businesses in its geographic footprint in the Northeastern and Midwestern United States. When assessing its competitive moat using the GoodMoat framework, it scores low on most criteria. Its primary advantages are likely local scale and regulatory barriers, as banking is a heavily licensed industry, but it lacks the strong network effects, proprietary data, or pricing power typical of high-moat businesses. Key risks to watch, as outlined in the Red Flags section, include macro sensitivity, as its profitability is closely tied to interest rates and economic health, and potential margin compression. The current operating margin of 30.5% is healthy, but a decline would be a caution signal. A value investor might find the stock's current metrics of interest: a P/E of 15.1 is reasonable, the free cash flow yield of 8.0% is attractive, and the debt level is moderate with a Debt/Equity ratio of 0.43. However, the Return on Equity of 6.4% is below the high-quality threshold of 15-20%, indicating room for improved profitability. The investment case hinges on whether the current price offers a sufficient margin of safety given the bank's cyclical nature and lack of a wide moat. Analysis based on data as of 2024-05-15.

CFG Company Information

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.

Sector

Financial Services

Industry

Banks - Regional

Exchange

NYSE

Country

Rhode Island, USA

CFG Key Officers

Key officers data coming soon

CFG Company Profile

Citizens Financial Group Inc (CFG) is a Financial Services company in the Banks - Regional industry, listed on NYSE. Headquartered in Rhode Island, USA.

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.

Market capitalization: $26.19B. Shares outstanding: 429.5M. Dividend yield: 2.88%.

View the complete company profile for Citizens Financial Group Inc on GoodMoat, including key officers, financial metrics, sector classification, and investment analysis tools. Use the profile alongside GoodMoat's DCF calculator, fair value models, and quality score to evaluate whether CFG is a sound investment opportunity.