Citizens Financial (CFG)
Financials · NYSE · US
Price as at 1 Oct 2026, 12:19 UTC. Quotes are delayed.
Fundamentals
Valuation and ratings
Citizens Financial trades at $63.76, which is 143% below the $154.75 our fair value estimate puts on the business. On that measure alone it screens as undervalued, though a valuation model is an argument rather than a measurement, and the market is frequently right about why something is cheap.
Our moat model scores it 47 out of 100, which is a moat, but not a deep one. A moat is a structural reason competitors cannot take the profits away, and it matters more to a long holding period than any single quarter's numbers do.
It changes hands at 16.7 times earnings. Be careful reading that in isolation: for a cyclical business a low P/E arrives at the top of the cycle, when profits are peaking and about to fall, which is exactly when the shares look cheapest and are not.
CFG dividend history
Dividends per share by year
| Year | Total per share | Payments |
|---|---|---|
| 2026 (year to date) | $1.38 | 3 |
| 2025 | $1.72 | 4 |
| 2024 | $1.68 | 4 |
| 2023 | $1.68 | 4 |
| 2022 | $1.62 | 4 |
| 2021 | $1.56 | 4 |
| 2020 | $1.56 | 4 |
| 2019 | $1.36 | 4 |
| 2018 | $0.980 | 4 |
| 2017 | $0.640 | 4 |
| 2016 | $0.460 | 4 |
Split-adjusted amounts in the listing currency, grouped by the calendar year of the ex-dividend date, from the filed record. Growth and streak figures compare complete years only.
CFG earnings and analyst estimates
Recommendation mix, 18 published ratings
Estimates are the published analyst consensus and move often. An earnings date is scheduled, not certain, and a share tends to reprice most violently on the day itself.
About Citizens Financial
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.
Company profile, industry and headcount are as reported by our data provider and can lag a company's own filings by a reporting period. The annual report is the authority.
CFG passes 5 of our 30 screens today
Each screen prints the exact criteria it used, and the circumstances in which it is wrong.
Super investor ownership
18 of the funds we track reported a position in their latest SEC 13F filing. Largest first:
- Cliff Asness, AQR CAPITAL MANAGEMENT LLC$534.41M · 0.2% of book
- D. E. Shaw, D. E. Shaw & Co., Inc.$195.91M · 0.1% of book
- Ken Griffin, CITADEL ADVISORS LLC$190.03M · 0.0% of book
- Impax Asset Management, Impax Asset Management Group plc$77.49M · 0.5% of book
- Sarah Ketterer, CAUSEWAY CAPITAL MANAGEMENT LLC$75.47M · 0.8% of book
A word of warning on reading these figures: a 13F reports the market value of a holding, so a fund that traded nothing at all still appears to have sold when the price fell. We found 102 companies where the standard reading gives the opposite answer. Only the share count is honest.
Politician trades in CFG
We hold 9 disclosed trades in CFG by members of Congress and executive-branch officials. The latest 5:
- Donald J Trump · Executive branchBuy · $15,001 - $50,000 · traded 11 May 2026 · disclosed 1 Jul 2026
- Donald J Trump · Executive branchSell · $50,001 - $100,000 · traded 31 Jul 2024 · disclosed 22 Sept 2026
- Daniel Goldman · HouseSell · $15,001 - $50,000 · traded 12 Jul 2023 · disclosed 13 Aug 2023
- Daniel Goldman · HouseBuy · $15,001 - $50,000 · traded 10 Apr 2023 · disclosed 19 May 2023
- Dean Phillips · HouseSell · $1,001 - $15,000 · traded 18 Dec 2020 · disclosed 9 Jan 2021
A disclosure reports a value band, not an amount, and is due up to 45 days after the trade; some arrive later. Every filer we track, each with their own page, is on the Congress trading tracker.
CFG peers
The largest companies in the same industry, then in the same sector.
- INVE-B.ST Investor AB
- BRK-B Berkshire Hathaway Inc.
- JPM JPMorgan Chase & Co.
- V Visa Inc.
- DNB.OL DNB Bank
- MA Mastercard Inc.
- SEB-A.ST SEB
- 601398.SS ICBC
Every financials company we cover is on the Financials hub.
Common questions
Is Citizens Financial (CFG) undervalued?
Against our fair value estimate of $154.75, CFG at $63.76 is 143% below fair value. That is one model's answer, not a recommendation. It is built from normalized earning power with growth capped deliberately low, which understates companies whose value is mostly future growth.
Which funds own CFG?
18 of the institutions we track reported a position in CFG in their most recent SEC 13F filing. A 13F is filed up to 45 days after quarter end, so it tells you what a fund held then, not what it holds now.
What is CFG's P/E ratio?
CFG trades at 16.7 times earnings. A low P/E is not automatically cheap: on a cyclical company it is usually a warning that earnings are at a peak.
Does Citizens Financial (CFG) pay a dividend?
Yes. Citizens Financial yields 2.62% at the current share price. It has paid $1.84 per share over the trailing twelve months. It has paid a dividend in each of the last 12 complete calendar years. A dividend is declared by the board and can be cut at any time; a yield is a fact about the current price, not a promise.
Where does SteadyShares get its CFG data?
Fundamentals for CFG come from company filings and exchange data, as listed on NYSE; institutional ownership comes from SEC 13F filings. The share price shown was last refreshed on 1 Oct 2026, 12:19 UTC and is delayed. Metrics we do not hold are left out of the page rather than estimated.
The full research page for CFG, with financial statements, ownership detail, peer comparison and alerts, is free inside the app.
Data from company filings, exchange quotes and SEC EDGAR 13F disclosures. Quotes are delayed. Metrics we do not have are left out rather than estimated. Educational information, not financial advice.