CFG
Financial ServicesCitizens Financial Group, Inc. · Banks - Regional · $27B
What is Citizens Financial Group, Inc.?
Citizens Financial Group is a large US bank holding company headquartered in Providence, Rhode Island, serving individuals, small businesses, and corporations across roughly 1,200 branches in 14 states.
The company operates through two segments: Consumer Banking and Commercial Banking. Consumer Banking covers deposits, mortgages, credit cards, auto and education loans, and wealth management. Commercial Banking serves mid-market and institutional clients with lending, treasury management, capital markets, and risk management solutions.
Citizens Financial Group was established as a public company in 2014, with its banking roots running considerably deeper.
- Retail deposit and lending products
- Mortgage and home equity financing
- Commercial lending and treasury management
- Capital markets and M&A advisory services
Is CFG a Good Stock to Buy?
UQS Score rates CFG as Good overall.
The Quality and Risk pillars both register as Good, reflecting a banking operation that manages credit and operational risk at a level consistent with well-run regional peers. Valuation is rated Attractive, suggesting the market may not be fully pricing in the franchise's fundamentals.
The Moat and Growth pillars are both rated Weak, pointing to limited competitive differentiation and subdued near-term expansion prospects relative to sector peers.
See the exact pillar breakdown and full financial metrics by signing up for a Pro account at UQS Score. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does CFG pay dividends?
Yes — Citizens Financial Group, Inc. pays a dividend.
Citizens Financial Group pays a regular dividend, consistent with the income-oriented tradition of large regional banks. The dividend reflects the company's ability to return capital to shareholders while maintaining regulatory capital requirements.
When does CFG report earnings?
Citizens Financial Group reports earnings on a quarterly cadence, typical for US-listed bank holding companies.
Results tend to reflect trends in net interest income, loan growth, and credit quality across both consumer and commercial segments. Macro factors such as interest rate movements and credit conditions meaningfully influence quarterly outcomes.
For the most recent quarter's results, visit Citizens Financial Group's investor relations page directly.
CFG Price History
+59.9% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Citizens Financial Group, Inc.?
Based on Citizens Financial Group, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
Frequently Asked Questions
What does Citizens Financial Group do?
Citizens Financial Group operates Citizens Bank, offering retail and commercial banking services across roughly 1,200 branches in 14 states. Products span deposits, mortgages, auto and education loans, credit cards, and commercial lending and capital markets services for businesses and institutions.
Does CFG pay dividends?
Yes, Citizens Financial Group pays a regular dividend. This is consistent with the capital-return practices common among large regional US banks. Investors seeking income often consider dividend-paying banks like CFG as part of a diversified portfolio.
When does CFG report earnings?
CFG follows a standard quarterly earnings schedule. For precise dates, check the investor relations section of the Citizens Financial Group website, as schedules can shift slightly each quarter.
Is CFG a good stock to buy?
UQS Score rates CFG as Good overall, with Attractive Valuation and Good scores in Quality and Risk. However, Moat and Growth are both rated Weak. The complete pillar breakdown is available to Pro members on UQS Score.
Is CFG overvalued?
The UQS Valuation pillar rates CFG as Attractive, suggesting the stock may be trading at a reasonable or favorable price relative to its fundamentals. Full valuation metrics are available to Pro members.
How does CFG compare to its competitors?
CFG competes with regional banks such as Huntington Bancshares and Regions Financial, as well as international peers like Credicorp. Each has a distinct geographic footprint and product mix. UQS Score provides side-by-side pillar comparisons for Pro members.
What is CFG's market cap bracket?
Citizens Financial Group is classified as a large-cap company, placing it among the more substantial regional banking franchises in the United States.
Is CFG a long-term quality indicator?
From a quality standpoint, CFG's Good ratings in Quality and Risk suggest a reasonably well-managed institution. The Weak Moat rating, however, indicates limited structural advantages that could protect returns over the long term. Pro members can view the full analysis.
Unlock Full CFG Analysis
Sign in to unlock the detailed analysis behind the UQS Score.
- ✓View the exact UQS Score and all five pillar ratings
- ✓Access detailed financial metrics and trend data
- ✓Compare CFG side-by-side with regional bank peers
- ✓Get the complete analyst-style quality breakdown
Pro Analysis
CFG — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 21, 2026 | 55.8 | 66.0 | 28.0 | 39.7 | 69.1 | 93.7 | -0.1 |
| May 19, 2026 | 55.9 | 66.0 | 28.0 | 39.7 | 69.1 | 93.8 | 0.0 |
| May 16, 2026 | 55.9 | 66.0 | 28.0 | 39.7 | 69.1 | 93.9 | +0.1 |
| May 15, 2026 | 55.8 | 66.0 | 28.0 | 39.7 | 69.1 | 93.7 | -0.1 |
| May 14, 2026 | 55.9 | 66.0 | 28.0 | 39.7 | 69.1 | 93.8 | +0.1 |
| May 12, 2026 | 55.8 | 66.0 | 28.0 | 39.7 | 69.1 | 93.6 | 0.0 |
| May 11, 2026 | 55.8 | 66.0 | 28.0 | 39.7 | 69.1 | 93.4 | 0.0 |
| May 10, 2026 | 55.8 | 66.0 | 28.0 | 39.7 | 69.1 | 93.3 | +3.3 |
| May 9, 2026 | 52.5 | 66.0 | 28.0 | 24.9 | 69.1 | 91.3 | -3.3 |
| May 8, 2026 | 55.8 | 66.0 | 28.0 | 39.7 | 69.1 | 93.1 | +0.2 |
CFG — Pillar Breakdown
Quality
— 66.0/100 (25%)Citizens Financial Group, Inc. shows solid profitability with healthy returns on capital and reasonable margins.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 39.7/100 (20%)Citizens Financial Group, Inc. shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 69.1/100 (15%)Citizens Financial Group, Inc. maintains a reasonable risk profile with manageable debt levels.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 93.2/100 (15%)Citizens Financial Group, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 28/100 (25%)Citizens Financial Group, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for CFG.
Score Composition
Financial Data
More Stock Analysis
How is the CFG UQS Score Calculated?
The UQS (Unified Quality Score) for Citizens Financial Group, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Citizens Financial Group, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Citizens Financial Group, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.