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Earnings transcript
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CFG
Citizens Financial Group, Inc.
$60.99
0.42
(0.69%)
| Exchange: | NYSE |
| Market Cap: | 26.194B |
| Shares Outstanding: | 559.998M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Bruce Winfield Van Saun | |||||
| Full Time Employees: | 17315 | |||||
| Address: |
| |||||
| Website: | https://www.citizensbank.com |
Citizens Financial Group, Inc. operates as the bank holding company for Citizens Bank, National Association that provides retail and commercial banking products and services to individuals, small businesses, middle-market companies, corporations, and institutions in the United States. The company operates in two segments, Consumer Banking and Commercial Banking. The Consumer Banking segment offers deposit products, mortgage and home equity lending products, credit cards, business loans, wealth management, and investment services; and auto, 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. This segment serves government banking, not-for-profit, healthcare, technology, professionals, oil and gas, asset finance, franchise finance, asset-based lending, commercial real estate, private equity, and sponsor finance industries. It operates approximately 1,200 branches in 14 states and the District of Columbia; 114 retail and commercial non-branch offices in national markets; and approximately 3,300 automated teller machines. 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.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 12,187,000 | 12,347,000 | 11,148,000 |
| Gross Profit | 7,537,000 | 7,107,000 | 7,776,000 |
| EBITDA | 2,508,000 | 2,386,000 | 2,694,000 |
| Operating Income | 2,030,000 | 1,888,000 | 2,328,000 |
| Net Income | 1,608,000 | 1,509,000 | 1,831,000 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 221,964,000 | 217,521,000 | 226,351,000 |
| Total Liabilities | 197,622,000 | 193,267,000 | 200,034,000 |
| Total Stockholders Equity | 24,342,000 | 24,254,000 | 26,317,000 |
| Total Debt | 13,972,000 | 12,401,000 | 11,282,000 |
| Cash and Cash Equivalents | 12,033,000 | 11,236,000 | 12,727,000 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 2,961,000 | 2,001,000 | 0 |
| Capital Expenditure | -172,000 | -122,000 | 0 |
| Free Cash Flow | 2,789,000 | 1,879,000 | 0 |
| Net Income | 1,608,000 | 1,509,000 | 1,831,000 |
| Net Change in Cash | 1,081,000 | -1,027,000 | 2,126,000 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 10,297,512.963 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 10,315,802.809 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 10,306,657.886 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 3,112,638.295 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 3,118,166.783 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 3,115,402.539 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 2,961,013.644 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 3,299,410.226 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 3,130,211.935 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 2,888,286.629 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 2,893,416.637 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 2,890,851.633 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 7.150 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 7.580 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 6.800 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 2 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 4 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Robust Financial Performance: CFG reported strong Q3 2025 results in the latest earnings call, with key financial metrics such as revenue and net income showing positive trends. This performance reflects effective operational execution and positions CFG favorably within the financial sector.
- Solid Free Cash Flow: Analysis of cash flow statements indicates consistent free cash flow generation, supported by strong operating cash flow figures. This provides CFG with financial flexibility for reinvestment or debt management.
- Strategic Execution: The Q3 2025 earnings call summary highlights successful strategic initiatives, contributing to growth and operational efficiency. This demonstrates management's ability to adapt and drive value in a competitive industry.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates CFG intrinsic value between $51.10 – $60.96 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about CFG valuation
Is Citizens Financial Group, Inc. (CFG) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Citizens Financial Group, Inc. (CFG) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is CFG a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether CFG trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is CFG’s P/E ratio?
You can see CFG’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for CFG?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is CFG a good long-term investment?
Whether CFG fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
CFG
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
0.69
Trading Metrics:
| Open: | 59.74 | Previous Close: | 60.57 | |
| Day Low: | 59.11 | Day High: | 61.05 | |
| Year Low: | 32.6 | Year High: | 68.79 | |
| Price Avg 50: | 61.6 | Price Avg 200: | 54.4 | |
| Volume: | 2.866M | Average Volume: | 5.341M |
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YouTube Video Transcript: Comprehensive Stock Analysis of Citizens Financial Group (CFG) Hey everyone, welcome back to the channel! I’m thrilled to dive into another deep-dive stock analysis with you today. We’re focusing on Citizens Financial Group, ticker symbol CFG, a major player in the regional banking space. If you’re looking for actionable insights into whether CFG is a buy, hold, or sell for your portfolio, stick around because we’re going to unpack everything from financials to valuation, recent performance, and…
