CFG

Citizens Financial Group Inc

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Advanced Chart

49.195

-0.085(-0.172%)1D

Overview
Forecast
Valuation
Earnings

Line

Candle

YTD

High

49.420

Open

49.340

VWAP

48.88

Vol

2.36M

Mkt Cap

21.33B

Low

48.400

Amount

115.15M

EV/EBITDA(TTM)

11.62

Total Shares

455.02M

27.93B

EV/OCF(TTM)

P/S(TTM)

3.11

Citizens Financial Group, Inc. offers a range of retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations and institutions. The Company operates through two segments: Consumer Banking and Commercial Banking. Consumer Banking segment serves consumer customers and small businesses, with products and services that include deposits, mortgage and home equity lending, credit cards, small business loans, wealth management and investment services largely across its 14-state traditional banking footprint. Consumer Banking segment operates approximately 1,000 branches, including 143 in-store locations, and approximately 3,100 ATMs. Commercial Banking segment primarily serves companies and institutions with 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 syndicated loans, and others.

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2026Q1

FY2025Q4

FY2025Q3

2.12B

+9.81%

1.046

+35.9%

2.14B

+7.76%

1.105

+30.04%

2.10B

+10.21%

1.024

+29.64%

Estimates Revision

The market is revising Upward the revenue expectations for Citizens Financial Group, Inc. (CFG) for FY2025, with the revenue forecasts being adjusted by 0.15% over the past three months. During the same period, the stock price has changed by 34.25%.

Revenue Estimates for FY2025

Revise Upward

+0.15%

In Past 3 Month

EPS Estimates for FY2025

Revise Upward

+0.19%

In Past 3 Month

Stock Price

Go Up

+34.25%

In Past 3 Month

18 Analyst Rating

-3.10% Downside

Wall Street analysts forecast CFG stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for CFG is 47.67 USD with a low forecast of 41.00 USD and a high forecast of 57.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

11 Buy

7 Hold

0 Sell

Moderate Buy

-3.10% Downside

Current: 49.195

Low

41.00

Averages

47.67

High

57.00

-3.10% Downside

Current: 49.195

Low

41.00

Averages

47.67

High

57.00

Citi

NULL -> Buy

maintain

$57 -> $60

2025-07-21

New

Reason

Citi

Price Target

$57 -> $60

2025-07-21

New

maintain

NULL -> Buy

Reason

Citi raised the firm's price target on Citizens Financial to $60 from $57 and keeps a Buy rating on the shares following the Q2 report. The firm says the bank's Q3 guidance is better than expected on fees.

Evercore ISI

John Pancari

In Line -> Outperform

upgrade

$48 -> $55

2025-07-18

Reason

Evercore ISI

John Pancari

Price Target

$48 -> $55

2025-07-18

upgrade

In Line -> Outperform

Reason

Evercore ISI analyst John Pancari upgraded Citizens Financial to Outperform from In Line with a price target of $55, up from $48. The firm, which came away from Q2 results "incrementally confident" that Citizens' loan trends are poised to accelerate, expects favorable net interest margin dynamics, fee income upside, and positive operating leverage to drive steady improvement in Citizens' earnings trajectory, the analyst tells investors.

Barclays

Equal Weight

maintain

$49 -> $55

2025-07-18

Reason

Barclays

Price Target

$49 -> $55

2025-07-18

maintain

Equal Weight

Reason

Barclays raised the firm's price target on Citizens Financial to $55 from $49 and keeps an Equal Weight rating on the shares. The company reported a Q2 earnings beat and sees net interest income and fees higher with positive operating leverage, the analyst tells investors in a research note.

RBC Capital

Gerard Cassidy

Outperform

maintain

$44 -> $51

2025-07-18

Reason

RBC Capital

Gerard Cassidy

Price Target

$44 -> $51

2025-07-18

maintain

Outperform

Reason

RBC Capital analyst Gerard Cassidy raised the firm's price target on Citizens Financial to $51 from $44 and keeps an Outperform rating on the shares. RBC expects Citizens to drive its profitability to its medium-term return on common tangible common equity target of 16%-18% with higher levels of fee revenues combined with adroit capital management, the analyst tells investors in a research note.

TD Cowen

Buy

upgrade

$57 -> $65

2025-07-18

Reason

TD Cowen

Price Target

$57 -> $65

2025-07-18

upgrade

Buy

Reason

TD Cowen raised the firm's price target on Citizens Financial to $65 from $57 and keeps a Buy rating on the shares. The firm noted they reported 2Q25 core EPS of $0.91 with strong growth in fee income driving the beat. Importantly, with the transformation of the balance sheet progressing on schedule, a disruptor type management is now reimagining the bank via AI implementation.

DA Davidson

Buy

maintain

$49 -> $55

2025-07-18

Reason

DA Davidson

Price Target

$49 -> $55

2025-07-18

maintain

Buy

Reason

DA Davidson raised the firm's price target on Citizens Financial to $55 from $49 and keeps a Buy rating on the shares. DA Davidson has more confidence that Citizens Financial will hit its revenue guidance following the quarterly results, the analyst tells investors in a research note.

See All Ratings

Valuation Metrics

The current forward P/E ratio for Citizens Financial Group Inc (CFG.N) is 11.36, compared to its 5-year average forward P/E of 9.74. For a more detailed relative valuation and DCF analysis to assess Citizens Financial Group Inc 's fair value, click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.

Fair

5Y Average PE

9.74

Current PE

11.36

Overvalued PE

11.47

Undervalued PE

8.02

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.

N/A

5Y Average EV/EBITDA

0.00

Current EV/EBITDA

0.00

Overvalued EV/EBITDA

0.00

Undervalued EV/EBITDA

0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.

Fair

5Y Average PS

2.24

Current PS

2.48

Overvalued PS

2.68

Undervalued PS

1.80