Citizens Financial Group (CFG)
Regional bank pairing broad consumer banking with private wealth and corporate finance.
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Provides consumer, small-business, private, wealth, and commercial banking through a regional branch network and national digital or specialty businesses. Deposit funding supports lending, while treasury, capital-markets, advisory, card, mortgage, and wealth fees diversify revenue; net interest income remains the largest source.
Operates Consumer Banking and Commercial Banking for individuals, small businesses, middle-market companies, corporations, and institutions. Consumer Banking spans deposits, cards, mortgages, home equity, education and auto lending, small-business services, Citizens Access, and Citizens Private Bank and Private Wealth. Commercial Banking provides lending, leasing, treasury management, foreign exchange, risk-management products, syndication, corporate finance, and capital-markets and M&A advisory.
Combines roughly 1,000 branches concentrated in New England, the Mid-Atlantic, and the Midwest with digital and national businesses. Private Bank offices also reach California and Florida. Recent execution has produced Private Bank and wealth-fee growth, strong capital-markets activity, and a new consumer mobile platform.
Earns most revenue from net interest income, linking results to loan yields, deposit costs, Federal Reserve policy, credit performance, and banking-capital, liquidity, and consumer-protection rules.
Company facts
Target rangeAs of Sep 22, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Sep 23, 2026 | Truist Financial | Reiterate | Rating: —Target: $80 | Target: $77 |
| Sep 8, 2026 | Morgan Stanley | Target | Target: $73 | Target: $90 |
| Aug 19, 2026 | Cantor Fitzgerald | Reiterate | Rating: —Target: — | Target: $84 |
| Jul 29, 2026 | Argus Research | Target | Target: $72 | Target: $80 |
| Jul 21, 2026 | Truist Financial | Reiterate | Rating: —Target: $72 | Target: $80 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $12.76B · Total debt $16.35B · Total assets $233.84B · Shareholders' equity $26.18B
- Revenue
- $3.20B
- Operating income
- $755.0M
- Net income
- $587.0M
HistoryDividendAnnual yield
| Institutions | 98.45% | 414.65M shares | |
|---|---|---|---|
| 1,137 holders · as of Jun 30, 2026 | |||
| Insiders | 0.66% | 2.79M shares | |
| 26 holders · as of Sep 3, 2026 | |||
| Other | 0.89% | 3.74M shares | |
| remainder | |||
421.18M company shares as of Sep 23, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
BlackRock, Inc.Institution | 11.57% | 48.74M | as of Jun 30, 2026 |
Vanguard Capital Management LLCInstitution | 6.39% | 26.91M | as of Jun 30, 2026 |
Capital World InvestorsInstitution | 5.52% | 23.27M | as of Jun 30, 2026 |
Invesco Ltd.Institution | 5.26% | 22.15M | as of Jun 30, 2026 |
State Street CorpInstitution | 5.04% | 21.24M | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Jun 2, 2025 | Christopher Swift | director | +20 | $40.06 |
| Feb 6, 2024 | Christopher Swift | director | +10 | $31.47 |
| Jul 24, 2026 | Bruce van Saun | director, officer: Chairman and CEO | −129,369 | $72.07 |
| May 12, 2026 | Michelle Moosally | officer: Chief Legal Officer | −6,050 | $62.16 |
| Mar 11, 2026 | Susan LaMonica | officer: Chief Human Resources Officer | −13,258 | $58.04 |
- M&T Bank
Most direct Northeast and NY Metro peer; #3 bank by Northeast branches.
- PNC Financial Services Group
Closest scale super-regional; direct Mid-Atlantic and commercial overlap.
- KeyCorp
Northeast and Midwest peer; commercial banking and capital markets overlap.
- U.S. Bancorp
Fifth-largest U.S. bank; payments leader; bought CFG's Chicago branches in 2014.
- Truist Financial
Top-10 super-regional; contests middle-market commercial and capital markets.
- Fifth Third
Midwest super-regional; named peer in commercial banking, payments, and wealth.
- Huntington Bancshares
Midwest super-regional with PA overlap; named peer in consumer and commercial.
- Regions Financial
SE-anchored named peer; commercial banking and business-model competition.
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Citizens Financial Group | $65.22 | −0.42% | $27.69B | 14.2 | 11.1 | 2.4 | +12.1% |
| M&T Bank | $220.93 | −1.12% | $32.38B | 11.8 | 11.1 | 2.6 | +5.7% |
| PNC Financial Services Group | $225.92 | −0.89% | $90.96B | 12.5 | 11.1 | 2.6 | +21.4% |
| KeyCorp | $20.42 | −0.32% | $22.11B | 11.9 | 10.5 | 2.1 | +7.3% |
| U.S. Bancorp | $58.94 | −0.85% | $92.59B | 11.9 | 10.9 | 2.1 | +10.6% |
| Truist Financial | $47.60 | −0.99% | $59.89B | 11.4 | 10.1 | 2.0 | +6.5% |
| Fifth Third | $52.38 | −0.72% | $47.82B | 18.0 | 12.1 | 3.2 | +45.2% |
| Huntington Bancshares | $15.56 | −0.86% | $31.70B | 11.7 | 9.4 | 2.2 | +47.4% |
| Regions Financial | $27.67 | −0.88% | $23.82B | 11.4 | 10.2 | 2.5 | +2.2% |
| Median | 11.8 | 10.7 | 2.3 | +8.9% |