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CFG

BUY

Citizens Financial Group, Inc. · Financial Services · United States · $30.4B · Avg Vol: $367M/d

72
StockRank
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Q
54
V
41
M
71
P/E (TTM)
15.8x
ROE
8.3%
D/E
0.4x
Dividend %
2.5%
Dir. Trades · 180d
−$1.1M →
Buybacks · 180d
$525M →

COMPANY DESCRIPTION

Citizens Financial Group, Inc. is one of the largest regional banks in the United States, offering a comprehensive range of retail and commercial banking products and services. With a substantial branch network and digital capabilities, it serves individuals, small businesses, and large corporations primarily across the New England, Mid-Atlantic, and Midwest regions. Its diversified deposit base and loan portfolios contribute to a stable financial position.

FINANCIAL SUMMARY (USD)

Year2022202320242025CAGRTTM2026E2027EFwd CAGR
Revenue8.0B8.2B7.8B8.2B0.9%8.2B9.2B10.0B10.0%
EPS4.123.143.053.90-1.8%4.535.356.5729.8%
Shares492.3M466.4M440.5M429.2M-12.8%422.7M———
Debt15.9B14.0B12.4B11.3B-10.8%16.3B———
Equity23.7B24.3B24.3B26.3B3.6%————
Op CF4.1B3.0B2.0B2.2B-18.7%2.2B———
Inv CF-12.6B5.2B3.0B-6.0B—————
Fin CF9.9B-7.1B-6.0B5.9B—————
Loading 1Y...
PRICE (1Y)+9.4%
66.6568.5970.5372.4674.40Jun 15Jul 8Jul 28
SMA 50SMA 200
Close
$72.94
RSI (14)
66.7
52W High
$74.70
From 52W High
1.0%

SCORE BREAKDOWN

Quality
54
ROIC (ROA)
0.9%*35.5
ROE
8.3%42.2
GP/Assets
3.6%N/A
Op. Margin
35.1%53.6
FCF/Assets
1.1%N/A
Piotroski
797.0
Int. Cover
—50.0
D/E Ratio
0.43xN/A
Current Ratio
bankN/A
Value
41
P/E (TTM)
15.8x37.8
EV/EBITDA
bankN/A
P/FCF
12.1xN/A
P/B
1.3x44.5
P/S
3.7x51.3
Div Yield
2.5%29.9
Momentum
71
52W High %
98%60.3
RS 6M
11%70.5
SMA 50/200
1.11x79.2
EPS Rev 4W
+1.5%90.7
EPS Rev 12W
+1.9%74.9
EPS Improve
+44%69.1
Q Growth
35%67.0

FUNDAMENTALS

Market Cap
$30.4B
P/E (Forward)
11.0x
Gross Margin
—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of CFG are excluded.

TickerCompanyMkt CapStockRankSignal
CFGCitizens Financial Group, Inc.(you)$30.4B72BUY
RFRegions Financial Corporation$26.3B70BUY
KEYKeyCorp$24.3B67BUY
MTBM&T Bank Corporation$36.2B79BUY
EWBCEast West Bancorp, Inc.$17.9B74BUY
FCNCAFirst Citizens BancShares, Inc.$24.6B62HOLD
TFCTruist Financial Corporation$63.2B66BUY
CFRCullen/Frost Bankers, Inc.$10.3B72BUY
FITBFifth Third Bancorp$52.0B59HOLD
SSBSouthState Bank Corporation$10.3B67BUY

Peer medians: ROE 9.5% · P/E 13.9x · Gross margin 100.0%

Citizens Financial Group, Inc. (CFG) — Stock Score Summary

Citizens Financial Group, Inc. (CFG) has a MoatMap StockRank of 72/100 based on Quality (54/100), Value (41/100), and Momentum (71/100) factor scores. The current signal is BUY.

Citizens Financial Group, Inc. is one of the largest regional banks in the United States, offering a comprehensive range of retail and commercial banking products and services. With a substantial branch network and digital capabilities, it serves individuals, small businesses, and large corporations primarily across the New England, Mid-Atlantic, and Midwest regions. Its diversified deposit base and loan portfolios contribute to a stable financial position.

Key Financial Metrics

Price$72.94
Market Cap$30.4B
P/E (TTM)15.78
P/E (Forward)10.99
Price/Book1.27
Return on Equity8.3%
Debt/Equity0.43x
Operating Margin35.1%
Revenue Growth14.7%
Dividend Yield2.5%
Free Cash Flow$2.5B

Citizens Financial Group, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Citizens Financial Group, Inc.’s (CFG) StockRank?
MoatMap’s StockRank for Citizens Financial Group, Inc. (CFG) is 72/100, with a Buy signal. It is a composite of Quality (54), Value (41), and Momentum (71) factor ranks across MoatMap’s 20,000+ stock universe.
Does Citizens Financial Group, Inc. have an economic moat?
Citizens Financial Group, Inc. (CFG) has a Quality factor score of 54/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Citizens Financial Group, Inc. a buy, hold, or sell?
MoatMap’s current signal for Citizens Financial Group, Inc. (CFG) is Buy, based on a StockRank of 72/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Citizens Financial Group, Inc. in?
Citizens Financial Group, Inc. (CFG) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).
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