Citizens Financial (CFG) Stock Analysis

November 11, 2026

This is a peer-relative look at Citizens Financial (CFG): its performance, risk, profitability, growth, financial strength, dividend, and valuation are each measured against its Banks peers, so every number reads in context rather than in isolation.

Company Profile

Company profile fields for Citizens Financial (CFG)
Profile Item	CFG
Name	Citizens Financial Group Inc.
Country/Region	United States
GICS Sector	Financials
GICS Industry Group	Banks
GICS Industry	Banks
GICS Sub-Industry	Regional Banks
Market Capitalization	26.51 billion USD
Currency	USD
Exchange	NYSE
Listing Date	September 24, 2014
Security Type	Common Stock

Price Performance

Cumulative Growth

CFG

GSPC

Citizens Financial (CFG) vs. S&P 500 (GSPC): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Citizens Financial (CFG) and S&P 500 (GSPC). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Citizens Financial (CFG) and S&P 500 (GSPC). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Citizens Financial (CFG) metric values compared with Banks industry-group medians
Metric	Current stock: CFG	Industry group median
Total Return (1Y)	30.28%	30.28%
Total Return (3Y, Annualized)	42.95%	26.57%
Total Return (5Y, Annualized)	10.93%	9.43%

Risk Profile

Drawdown History

CFG

GSPC

Citizens Financial (CFG) vs. S&P 500 (GSPC): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Citizens Financial (CFG) and S&P 500 (GSPC). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Citizens Financial (CFG) metric values compared with Banks industry-group medians
Metric	Current stock: CFG	Industry group median
Volatility (1Y, Annualized)	25.87%	24.34%
Beta (5Y)	1.07	0.72
Max Drawdown (5Y)	-56.19%	-43.36%

Risk-Adjusted Performance

Risk-Return Positioning

Each dot is a stock plotted by 1-year volatility (risk) and 1-year return. CFG is highlighted; the dashed line is the Capital Allocation Line from the risk-free rate through the industry median — dots above it are stronger on a risk-adjusted basis.

Risk-Adjusted Metrics

Citizens Financial (CFG) metric values compared with Banks industry-group medians
Metric	Current stock: CFG	Industry group median
Sharpe Ratio (1Y)	1.00	1.08
Sortino Ratio (1Y)	1.50	1.61

Profitability

ROE (TTM)

Citizens Financial (CFG) posts ROE of 8.90%, in the lower peer quartile. Shareholders’ equity is not producing as much profit as it does at most peers, so margins, asset turns, or balance-sheet structure deserve a closer look.

CFG

Banks industry group

8.90%

Group distribution

Max: 19.84%
Q3: 13.67%
Median: 11.49%
Q1: 9.50%
CFG: 8.90%
Min: 3.64%

Largest peers

JPM: 18.01%
RY: 16.21%
HSBC: 14.22%
WFC: 12.91%
BAC: 10.73%
MUFG: 9.46%
CFG: 8.90%

Where Citizens Financial (CFG) stands on ROE within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Net Margin (TTM)

Citizens Financial (CFG) keeps 27.02% of revenue as net profit, in the lower peer quartile for net margin. More of each sales dollar is being absorbed by costs, financing, taxes, or other charges than at most peers.

CFG

Banks industry group

27.02%

Group distribution

Max: 47.19%
Q3: 35.25%
Median: 31.21%
Q1: 27.11%
CFG: 27.02%
Min: 14.93%

Largest peers

HSBC: 41.16%
JPM: 34.59%
RY: 33.87%
BAC: 28.06%
WFC: 27.64%
MUFG: 27.45%
CFG: 27.02%

Where Citizens Financial (CFG) stands on net margin within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Operating Margin (TTM)

operating margin is set aside for Citizens Financial (CFG) in Banks: the operating-income line is not a clean boundary for this business model, so net margin, ROE, FFO, or industry-specific measures may be more useful.

Profitability Metrics

Citizens Financial (CFG) metric values compared with Banks industry-group medians
Metric	Current stock: CFG	Industry group median
ROE (TTM)	8.90%	11.49%
ROA (TTM)	0.99%	1.24%
Net Margin (TTM)	27.02%	31.21%
Operating Margin (TTM)	--	--
Gross Margin (TTM)	--	--

Growth

Revenue Growth

Citizens Financial (CFG) grew revenue 5.61%, in the lower peer quartile. The top line is expanding more slowly than at most peers, which can reflect softer demand, lost share, or weaker pricing.

Citizens Financial (CFG): Revenue Growth across different time periods, set against Banks industry-group medians.

EPS Growth

Citizens Financial (CFG) grew earnings per share 27.39%, roughly around the peer group's normal range. Bottom-line momentum looks broadly typical for the industry.

Citizens Financial (CFG): EPS Growth across different time periods, set against Banks industry-group medians.

Growth Metrics

Citizens Financial (CFG) metric values compared with Banks industry-group medians
Metric	Current stock: CFG	Industry group median
Revenue Growth (YoY)	5.61%	11.23%
Revenue Growth (3Y CAGR)	0.93%	6.33%
EPS Growth (YoY)	27.39%	16.14%
EPS Growth (3Y CAGR)	-1.99%	3.15%

Financial Strength

Current Ratio (MRQ)

current ratio is set aside for Citizens Financial (CFG) in Banks: these balance sheets are not best read through a current/non-current split, so regulatory, funding, or liquidity-coverage measures usually matter more.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for Citizens Financial (CFG) in Banks: leverage is part of the business model itself, so capital adequacy, funding mix, and regulatory measures are usually better risk gauges.

Financial Strength Metrics

Citizens Financial (CFG) metric values compared with Banks industry-group medians
Metric	Current stock: CFG	Industry group median
Current Ratio (MRQ)	--	--
Debt / Equity (MRQ)	--	--
Net Debt / EBITDA	--	--

Dividends

Dividend Yield (TTM)

Citizens Financial (CFG) has dividend yield of 2.88%, in the industry’s normal income range. It provides a meaningful dividend without the red flag of an unusually high headline yield.

CFG

Banks industry group

2.88%

Group distribution

Max: 5.79%
Q3: 3.18%
CFG: 2.88%
Median: 2.39%
Q1: 1.20%
Min: 0.00%

Largest peers

MUFG: 406.81%
RY: 3.23%
CFG: 2.88%
BAC: 2.33%
WFC: 2.19%
JPM: 1.82%
HSBC: 0.86%

Where Citizens Financial (CFG) stands on dividend yield within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Dividend Payout Ratio (TTM)

Citizens Financial (CFG) has payout ratio of 37.17%, within the industry’s typical payout band. The dividend shares profits with investors while leaving earnings coverage that looks normal for the peer group.

CFG

Banks industry group

37.17%

Group distribution

Max: 70.75%
Q3: 41.28%
CFG: 37.17%
Median: 29.26%
Q1: 18.98%
Min: 0.00%

Largest peers

HSBC: 53.57%
RY: 41.49%
CFG: 37.17%
MUFG: 34.74%
BAC: 27.62%
WFC: 26.09%
JPM: 25.80%

Where Citizens Financial (CFG) stands on payout ratio within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Dividend Metrics

Citizens Financial (CFG) metric values compared with Banks industry-group medians
Metric	Current stock: CFG	Industry group median
Dividend Yield (TTM)	2.88%	2.39%
Dividend Payout Ratio (TTM)	37.17%	29.26%

Valuation

P/E Ratio (TTM)

Citizens Financial (CFG) trades at P/E ratio of 12.78, near the industry’s usual earnings multiple. The stock is not showing a clear peer discount or premium on trailing earnings.

CFG

Banks industry group

12.78

Group distribution

Max: 18.16
Q3: 13.75
CFG: 12.78
Median: 11.81
Q1: 10.64
Min: 6.49

Largest peers

RY: 17.58
JPM: 14.03
MUFG: 13.71
CFG: 12.78
WFC: 11.84
BAC: 11.79
HSBC: 11.38

Where Citizens Financial (CFG) stands on P/E ratio within its Banks peer group — the box is the group’s distribution and the dots its largest members.

P/S Ratio (TTM)

P/S ratio is not assessed for Citizens Financial (CFG) in Banks: the revenue line is driven by spread economics rather than conventional product or service sales, so book value or earnings usually carry more weight.

P/B Ratio (MRQ)

Citizens Financial (CFG) trades at 1.16 on P/B ratio, roughly in line with the industry’s normal price-to-book range. Its balance sheet is not being priced at a clear discount or premium versus peers.

CFG

Banks industry group

1.16

Group distribution

Max: 2.28
Q3: 1.58
Median: 1.32
CFG: 1.16
Q1: 1.10
Min: 0.59

Largest peers

HSBC: 6.87
RY: 2.92
JPM: 2.53
MUFG: 1.64
WFC: 1.59
BAC: 1.26
CFG: 1.16

Where Citizens Financial (CFG) stands on P/B ratio within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Valuation Metrics

Citizens Financial (CFG) metric values compared with Banks industry-group medians
Metric	Current stock: CFG	Industry group median
P/E Ratio (TTM)	12.78	11.81
P/S Ratio (TTM)	--	--
P/B Ratio (MRQ)	1.16	1.32
Free Cash Flow Yield (TTM)	--	--