Citizens Financial Group
Regional bank pairing broad consumer banking with private wealth and corporate finance.
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Profile
Provides consumer, small-business, private, wealth, and commercial banking through a regional branch network and national digital or specialty businesses. Deposit funding supports lending, while treasury, capital-markets, advisory, card, mortgage, and wealth fees diversify revenue; net interest income remains the largest source.
Operates Consumer Banking and Commercial Banking for individuals, small businesses, middle-market companies, corporations, and institutions. Consumer Banking spans deposits, cards, mortgages, home equity, education and auto lending, small-business services, Citizens Access, and Citizens Private Bank and Private Wealth. Commercial Banking provides lending, leasing, treasury management, foreign exchange, risk-management products, syndication, corporate finance, and capital-markets and M&A advisory.
Combines roughly 1,000 branches concentrated in New England, the Mid-Atlantic, and the Midwest with digital and national businesses. Private Bank offices also reach California and Florida. Recent execution has produced Private Bank and wealth-fee growth, strong capital-markets activity, and a new consumer mobile platform.
Earns most revenue from net interest income, linking results to loan yields, deposit costs, Federal Reserve policy, credit performance, and banking-capital, liquidity, and consumer-protection rules.
Company facts
Categories
Key statistics
Year to date +17.3% · Average volume (30d) 3.1M
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Aug 19, 2026 | Cantor Fitzgerald | Reiterate | Overweight | $84 | ||
| Jul 29, 2026 | Argus Research | Target | $72 | $80 | ||
| Jul 21, 2026 | Truist Financial | Reiterate | Hold | $72 | $80 | |
| Jul 17, 2026 | DA Davidson | Reiterate | Buy | $74 | $85 | |
| Jul 17, 2026 | Stephens | Target | $60 | $70 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 16, 2026Q2 FY26 | $1.25 | $1.30 | +4.0% | $2.25B | $2.28B | +1.4% | −2.70% |
| Apr 16, 2026Q1 FY26 | $1.10 | $1.13 | +2.7% | $2.16B | $2.17B | +0.2% | +0.06% |
| Jan 21, 2026Q4 FY25 | $1.10 | $1.13 | +2.7% | $2.15B | $2.16B | +0.3% | +0.30% |
| Oct 15, 2025Q3 FY25 | $1.03 | $1.05 | +1.9% | $2.10B | $2.12B | +0.9% | −6.40% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $2.90B | $3.01B | $3.09B | $2.16B | $3.03B | $3.20B | |
| Gross profit | $1.78B | $1.87B | $1.96B | $2.16B | $2.03B | $2.15B | |
| Operating income | $468.0M | $554.0M | $629.0M | $677.0M | $650.0M | $755.0M | |
| Net income | $373.0M | $436.0M | $494.0M | $528.0M | $517.0M | $587.0M | |
| Diluted EPS | $0.77 | $0.92 | $1.05 | $1.12 | $1.13 | $1.30 | |
| Gross margin | 61.5% | 62.3% | 63.6% | 100.0% | 67.0% | 67.3% | |
| Operating margin | 16.2% | 18.4% | 20.4% | 31.4% | 21.5% | 23.6% |
Fiscal years (4-quarter sums)FY21 $6.99B · FY22 $9.07B · FY23 $12.19B · FY24 $12.35B · FY25 $11.15B
Revenue by product · Q1 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $12.76B · Total debt $16.35B · Total assets $233.84B · Shareholders' equity $26.18B
Dividends
Raised for 10 straight years — most recently to $0.46 from $0.42 in Oct 2025. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Jul 30, 2026 | Jul 30 | Aug 13 | $0.46 | |
| Apr 30, 2026 | Apr 30 | May 14 | $0.46 | |
| Feb 4, 2026 | Feb 4 | Feb 18 | $0.46 | |
| Oct 29, 2025 | Oct 29 | Nov 12 | $0.46 | raised from $0.42 |
| Jul 31, 2025 | Jul 31 | Aug 14 | $0.42 | |
| Apr 30, 2025 | Apr 30 | May 14 | $0.42 | |
| Jan 31, 2025 | Jan 31 | Feb 14 | $0.42 | |
| Oct 30, 2024 | Oct 30 | Nov 13 | $0.42 |
Ownership
A 13F quarter can total more than the shares outstanding — sub-advisers file the same block twice, and a filer's own share count can be a quarter stale. No split is drawn from it.
Shares outstanding 422.88M · Float 419.00M · 99.1% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 48.74M | 11.53% | 13F | Aug 7, 2026 |
| Vanguard Capital Management LLC | 26.91M | 6.36% | 13F | Aug 13, 2026 |
| Capital World Investors | 23.27M | 5.50% | 13F | Aug 12, 2026 |
| Invesco Ltd. | 22.15M | 5.24% | 13F | Aug 14, 2026 |
| State Street Corp | 21.24M | 5.02% | 13F | Aug 7, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Jun 2, 2025 | Christopher Swift | director | +20 | $40.06 |
| Feb 6, 2024 | Christopher Swift | director | +10 | $31.47 |
| Jul 24, 2026 | Bruce van Saun | director, officer: Chairman and CEO | −129,369 | $72.07 |
| May 12, 2026 | Michelle Moosally | officer: Chief Legal Officer | −6,050 | $62.16 |
| Mar 11, 2026 | Susan LaMonica | officer: Chief Human Resources Officer | −13,258 | $58.04 |
Peers
- M&T Bank
Most direct Northeast and NY Metro peer; #3 bank by Northeast branches.
- PNC Financial Services Group
Closest scale super-regional; direct Mid-Atlantic and commercial overlap.
- KeyCorp
Northeast and Midwest peer; commercial banking and capital markets overlap.
- U.S. Bancorp
Fifth-largest U.S. bank; payments leader; bought CFG's Chicago branches in 2014.
- Truist Financial
Top-10 super-regional; contests middle-market commercial and capital markets.
- Fifth Third
Midwest super-regional; named peer in commercial banking, payments, and wealth.
- Huntington Bancshares
Midwest super-regional with PA overlap; named peer in consumer and commercial.
- Regions Financial
SE-anchored named peer; commercial banking and business-model competition.
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Citizens Financial Group | $71.05 | +1.96% | $29.48B | 15.2 | 11.9 | 2.6 | +12.1% |
| M&T Bank | $237.29 | −0.08% | $34.39B | 12.5 | 11.9 | 2.8 | +5.7% |
| PNC Financial Services Group | $256.30 | +5.78% | $96.65B | 13.3 | 11.9 | 2.7 | +21.4% |
| KeyCorp | $21.91 | +0.07% | $23.65B | 12.7 | 11.2 | 2.3 | +7.3% |
| U.S. Bancorp | $62.47 | +0.01% | $97.31B | 12.5 | 11.5 | 2.2 | +10.6% |
| Truist Financial | $53.13 | +5.37% | $62.83B | 12.0 | 10.6 | 2.1 | +6.5% |
| Fifth Third | $54.60 | +0.14% | $49.43B | 18.6 | 11.9 | 3.3 | +45.2% |
| Huntington Bancshares | $16.95 | +0.18% | $34.19B | 12.6 | 9.8 | 2.4 | +47.4% |
| Regions Financial | $30.33 | +0.02% | $25.88B | 12.4 | 11.1 | 2.7 | +2.2% |
| Median | 12.6 | 11.3 | 2.5 | +8.9% |