Stock Scorecard
Stock Summary for Citizens Financial Group Inc (CFG) - $53.82 as of 10/3/2025 9:02:19 PM EST
Total Score
13 out of 30
Safety Score
75 out of 100
Currently on the following lists
None
Tim's Recommendation
Possible Buy
Growth List Algorithm Criteria for CFG
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for CFG
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for CFG
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for CFG
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for CFG (75 out of 100)
| Stock Price Rating (Max of 10) | 9 |
| Historical Stock Price Rating (Max of 10) | 8 |
| Stock Price Trend (Max of 10) | 9 |
| Book Value (Max of 10) | 9 |
| Book Value to Price (Max of 10) | 0 |
| Analyst Buy Ratings (Max of 5) | 5 |
| Analyst Strong Buy Ratings (Max of 5) | 5 |
| Dividend Yield Percentage (Max of 10) | 6 |
| Operating Margin (Max of 10) | 6 |
| Trading Volume (Max of 10) | 10 |
| Price to Earnings (Max of 10) | 8 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for CFG
Financial Details for CFG
Company Overview |
|
|---|---|
| Ticker | CFG |
| Company Name | Citizens Financial Group Inc |
| Country | USA |
| Description | Citizens Financial Group, Inc. is a leading American bank headquartered in Providence, Rhode Island, providing a wide range of financial services across retail and commercial banking sectors. With a commitment to serving both individual and business customers, the bank offers products such as loans, mortgages, and investment services, leveraging its extensive network of branches and digital platforms. As a prominent player in the Northeastern U.S. banking landscape, Citizens Financial Group is well-positioned for growth, supported by a strong capital base and a customer-centric approach that emphasizes innovation and service excellence. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 6/30/2025 |
| Next Earnings Date | 10/15/2025 |
Stock Price History |
|
| Last Day Price | 53.82 |
| Price 4 Years Ago | 39.93 |
| Last Day Price Updated | 10/3/2025 9:02:19 PM EST |
| Last Day Volume | 6,809,498 |
| Average Daily Volume | 4,178,380 |
| 52-Week High | 54.50 |
| 52-Week Low | 31.96 |
| Last Price to 52 Week Low | 68.40% |
Valuation Measures |
|
| Trailing PE | 16.15 |
| Industry PE | 17.20 |
| Sector PE | 24.26 |
| 5-Year Average PE | 13.42 |
| Free Cash Flow Ratio | 2.72 |
| Industry Free Cash Flow Ratio | 5.48 |
| Sector Free Cash Flow Ratio | 43.16 |
| Current Ratio Most Recent Quarter | 0.25 |
| Total Cash Per Share | 19.82 |
| Book Value Per Share Most Recent Quarter | 53.43 |
| Price to Book Ratio | 0.99 |
| Industry Price to Book Ratio | 1.11 |
| Sector Price to Book Ratio | 2.28 |
| Price to Sales Ratio Twelve Trailing Months | 3.17 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.09 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.93 |
| Analyst Buy Ratings | 12 |
| Analyst Strong Buy Ratings | 5 |
Share Statistics |
|
| Total Shares Outstanding | 431,349,000 |
| Market Capitalization | 23,215,203,180 |
| Institutional Ownership | 98.14% |
Dividends |
|
| Ex-Dividend Date | 7/31/2025 |
| Previous Dividend Amount | 0.4200 |
| Current Dividend Amount | 0.4200 |
| Total Years Dividend Increasing | 0 |
| Trailing Annual Dividend Rate | 1.68 |
| Trailing Annual Dividend Yield | 3.12% |
| Forward Annual Dividend Rate | 1.68 |
| Forward Annual Dividend Yield | 3.12% |
| 5-Year Dividend Payments Count | 20 |
| 3-Year Average Dividend Yield | 3.95% |
| 5-Year Average Dividend Yield | 4.50% |
| 1-Year Dividend Growth Rate Percentage | 0.00% |
| 3-Year Dividend Growth Rate Percentage | 0.00% |
| 5-Year Dividend Growth Rate Percentage | 1.87% |
| All-Time Dividend Growth Rate Percentage | 17.29% |
| Dividend Payout Ratio | 51.22% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 17.90% |
| Annual Earnings Growth | -6.16% |
| Reported EPS 12 Trailing Months | 3.28 |
| Reported EPS Past Year | 1.69 |
| Reported EPS Prior Year | 3.25 |
| Net Income Twelve Trailing Months | 1,592,000,000 |
| Net Income Past Year | 1,509,000,000 |
| Net Income Prior Year | 1,608,000,000 |
| Quarterly Revenue Growth YOY | 5.20% |
| 5-Year Revenue Growth | 8.89% |
| Operating Margin Twelve Trailing Months | 29.60% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 8,548,000,000 |
| Total Cash Past Year | 11,236,000,000 |
| Total Cash Prior Year | 12,033,000,000 |
| Net Cash Position Most Recent Quarter | -2,436,000,000 |
| Net Cash Position Past Year | 823,000,000 |
| Long Term Debt Past Year | 10,413,000,000 |
| Long Term Debt Prior Year | 13,467,000,000 |
| Total Debt Most Recent Quarter | 10,984,000,000 |
| Equity to Debt Ratio Past Year | 0.70 |
| Equity to Debt Ratio Most Recent Quarter | 0.70 |
| Total Stockholder Equity Past Year | 24,254,000,000 |
| Total Stockholder Equity Prior Year | 24,342,000,000 |
| Total Stockholder Equity Most Recent Quarter | 25,234,000,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 1,157,000,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 2.68 |
| Free Cash Flow Past Year | 1,879,000,000 |
| Free Cash Flow Prior Year | 2,789,000,000 |
Options |
|
| Put/Call Ratio | 1.67 |
| Has Options | Options Chain |
| Liquidity Rating | |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.00 |
| MACD Signal | 0.00 |
| 20-Day Bollinger Lower Band | 0.00 |
| 20-Day Bollinger Middle Band | 0.00 |
| 20-Day Bollinger Upper Band | 0.00 |
| Beta | 1.14 |
| RSI | 0.00 |
| 50-Day SMA | 0.00 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 0.00 |
System |
|
| Modified | 10/3/2025 8:10:19 PM EST |