CFG · Citizens Financial Group Inc
Price
Snapshot
50 fields · last close| Market Cap | $29.83B |
| P/E | 13.82 |
| Float | 419.4M |
| Beta | 1.10 |
| Volatility | 27.5% |
| Exchange | NYSE |
| Sector | Banking |
| Cap tier | Large cap |
| Macro sensitivity | Moderate |
| Clavix score | 81 |
| Price | 71.09 |
| Change | +0.37% |
| Prev Close | 70.83 |
| Open | 69.01 |
| Day Low | 69.01 |
| Day High | 71.18 |
| Avg Vol | 3 |
| Avg $ Vol | $215.3M |
| 52W High | 75.33 |
| 52W Low | 47.95 |
| 52W Pos | 84.5% |
| From High | −5.63% |
| From Low | +48.24% |
| Max DD 1Y | −18.32% |
| Spread | 0.10% |
| Liquidity | Normal |
| SMA 20 | −0.38% |
| SMA 50 | −0.54% |
| SMA 200 | +11.25% |
| RSI (14) | 49.8 |
| Vol 30D | 21.4% |
| Vol 90D | 24.5% |
| 1Y Range | 48–75 |
| Daily bars | 506 |
| Perf Week | +0.93% |
| Perf Month | −3.76% |
| Perf Quarter | +10.85% |
| Perf Half Y | +18.96% |
| Perf Year | +37.08% |
| Perf YTD | +19.70% |
| Prev Day | +0.37% |
| Clavix | A- |
| Debt / Eq | 0.43 |
| Curr Ratio | n/abank |
| Int Cover | n/abank |
| FCF Margin | n/abank |
| Rev Growth | +0.1% |
| Profit | Profitable |
| Leverage | Low |
| Sector rank | 21 / 29 |
What CFG does
Citizens Financial Group, Inc. operates as the bank holding company that provides retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations, and institutions in the United States.
The company operates through two segments, Consumer Banking and Commercial Banking. The Consumer Banking segment offers deposit products, mortgage and home equity lending products, credit cards, business loans, and wealth management services; and education and point-of-sale finance loans, as well as digital deposit products.
This segment serves its customers through telephone service centers, as well as through its online and mobile platforms.
The Commercial Banking segment provides various financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange, and interest rate and commodity risk management solutions, as well as syndicated loans, corporate finance, mergers and acquisitions, and debt and equity capital markets services.
The company serves customers and small businesses, high- and ultra-high-net-worth individuals and families, as well as investors, entrepreneurs, and companies and institutions, as well as multifamily, office, industrial, retail, healthcare, and hospitality sectors.
The company was formerly known as RBS Citizens Financial Group, Inc. and changed its name to Citizens Financial Group, Inc. in April 2014.
Citizens Financial Group, Inc. was founded in 1828 and is headquartered in Providence, Rhode Island.
Clavix risk grade
regraded every trading dayCFG grades A-, 81 of 100. Steadiest on News Sentiment (68), most exposed on Sector Resilience (54, mixed). 0 of the 4 weighted dimensions sit above the Banking median. Ranks 21 of 29 in Banking by Clavix score.
How rough the ride is
| CFG | Banking median | |
|---|---|---|
| Betavs the overall market · lower is steadier | 1.10 | 0.92 |
| Volatilityannualized | 27.5% | 23.1% |
| Max drawdown, past yearworst peak-to-trough fall | −18.3% | — |
| Typical daily movemedian absolute daily change | 0.95% | — |
| Days beyond ±3%of the last 252 sessions | 166% | — |
How its days are spread
Daily returns over the last 252 sessions in 1% bins. Moves beyond ±6% land in the end bins.
52-week range
The bar runs from the lowest to the highest close of the last 252 sessions; the marker is the latest close.
Drawdown from the 1-year peak
Percent below the running high over the last 12 months. Zero is a fresh high.
Market sensitivity
| CFG | Banking median | |
|---|---|---|
| Beta to the markethow much it swings with the S&P 500 · lower is safer | 1.10 | 0.92 |
| Macro sensitivityrate, dollar and credit exposure bucket | Moderate | Moderate93% of 30 |
Where it sits on the macro scale
Low means rates, the dollar and credit spreads barely move it. Very High means they drive a large share of its swings. The counts are how many Banking names sit in each bucket.
Where it ranks in its sector
Rank by Clavix score within the sector. Right is the top of the sector.
Price performance
| CFG | |
|---|---|
| 1 week | +0.9% |
| 1 month | −3.8% |
| Year to date | +19.7% |
| 1 year | +37.1% |
Context for the rank, not itself a risk measure.
Recent coverage, scored
| CFG | |
|---|---|
| Articles scoredthe most recent scored coverage, up to 30 | 30since 27 Jun |
| Average score0 most bearish, 100 most bullish | 61 |
| Bullish · bearisharticles above 60 · below 40 | 20 · 2 |
| Directionarticles whose tone is improving vs worsening | 20 ↑ 2 ↓ |
Where the article scores land
Each bar is a 10-point band of article scores. Below 40 reads bearish, above 60 bullish.
Balance sheet, against the sector
The shaded band is the middle half of the 30 Banking names Clavix covers; the tick is the sector median.
Current ratio, FCF margin and interest coverage are not shown for CFG: a deposit bank has no split of current assets and liabilities, and its operating cash flow swings with deposits and trading books rather than with the business.
Growth
| CFG | |
|---|---|
| Revenue growthyear over year | +0.1% |
Financial Health is shown but does not count toward the grade. Why
0–100, higher is safer. The tick on each bar is the Banking median. Click a dimension for the evidence behind it. Financial Health is shown but does not count toward the grade.
Against Banking
30 companies| Metric | CFG | Sector spread | Median |
|---|---|---|---|
| Beta | 1.10 | 0.92 | |
| Volatility | 27.5% | 23.1% | |
| P/E | 13.82 | 12.70 | |
| Debt / equity | 0.43 | 0.68 |
Recent news
most recent scored articles · the chip is the article’s score · click to openCitizens Financial Group reported strong Q2 2026 results, with net interest income up 14% and net income up 35%, supported by momentum in capital markets and private banking. The bank's actual return on tangible common equity came in at 13.9%, still below the 16-18% target, but the stock trades at a 13% discount to sector peers on a price-to-book basis, which an analyst uses to support a BUY rating.
Citizens Bank has hired a wealth management team overseeing about $1 billion in client assets from Northern Trust for its Tampa market, marking a notable recruiting win as the bank begins expanding locally.
Man Group plc opened a new position in Citizens Financial Group during the second quarter, buying 938,595 shares worth roughly $65.77 million for a 0.22% stake, according to an SEC disclosure.
The piece is a valuation opinion, not a company announcement.
CFG says its multi-year "Reimagine the Bank" cost-cutting program is expected to deliver about $100 million in annual pre-tax savings by the end of 2026, more than $200 million by 2027, and more than $450 million by 2028. The program is meant to simplify operations, boost productivity, and improve the customer experience.
Nearest peers by size
Banking| Ticker | Company | Grade | Mkt cap | P/E | Beta | |
|---|---|---|---|---|---|---|
| BAP | Credicorp Ltd | B | $30.56B | 13.92 | 0.82 | Compare |
| RF | Regions Financial Corp | A- | $25.93B | 11.57 | 1.05 | Compare |
| HBAN | Huntington Bancshares Inc | A- | $34.47B | 14.37 | 1.00 | Compare |
| MTB | M&T Bank Corp | A- | $34.67B | 11.36 | 0.66 | Compare |
| FCNCA | First Citizens BancShares Inc (Delaware) | B+ | $24.50B | 10.28 | 0.64 | Compare |
| KEY | KeyCorp | A- | $23.60B | 11.58 | 1.09 | Compare |
| EWBC | East West Bancorp Inc | A- | $17.90B | 12.22 | 1.01 | Compare |
| FITB | Fifth Third Bancorp | A- | $49.85B | 22.89 | 1.02 | Compare |
You just read one holding. Clavix reads the whole portfolio.
Every position you own, graded on the same five dimensions, with an alert when a grade moves. Three months free on iPhone.