cfg stock guide: Citizens Financial Group (CFG)

CFG (Citizens Financial Group, Inc.)

cfg stock refers to the publicly traded common shares of Citizens Financial Group, Inc., listed on the New York Stock Exchange under the ticker CFG. This article explains who Citizens Financial Group is, how the company is organized, recent fourth‑quarter 2025 results reported in January 2026, the stock’s market and trading information, typical financial metrics used to evaluate CFG stock, governance and ownership, key risks for a regional bank, and official resources where up‑to‑date filings and market data can be found. Read on to quickly locate the data points and sources you’ll need to monitor cfg stock and the company behind it.

As of January 20, 2026, per Yahoo Finance and Benzinga coverage of Citizens Financial Group’s quarterly release, Citizens reported better‑than‑expected fourth‑quarter results that included adjusted EPS of $1.13 and revenue/net interest income figures that modestly beat consensus estimates. These results and analyst reactions are summarized in this guide (see "Recent developments and news").

Company overview

Citizens Financial Group, Inc. (CFG) is a U.S. regional bank holding company that provides consumer and commercial banking services across retail branches, digital channels, and institutional platforms. The company operates primarily in the United States with a concentration of branches historically in the Northeast, and it provides deposit accounts, mortgages, consumer and commercial lending, credit card services, treasury and cash management, wealth management and capital markets capabilities.

Citizens traces roots back to early regional banking institutions and today operates as a multi‑product financial services firm focused on retail consumers, small and middle‑market businesses, and institutional clients. Headquarters: Providence, Rhode Island.

History

Citizens’ institutional lineage reaches back to the 19th century (community banking roots). Over the modern era the firm has undergone ownership and structural changes, including reorganizations and a public listing as Citizens Financial Group, Inc. Key milestones include the formation and expansion of the bank franchise, listing on the NYSE under CFG, and organic and acquisition‑driven growth that extended the geographic footprint to multiple U.S. states.

Notable corporate milestones commonly described in investor materials include IPO/listing events, regional branch expansion, and strategic investments in digital and wealth platforms. For a full, date‑stamped corporate timeline consult the company’s investor relations materials and SEC filings.

Business operations and segments

Citizens Financial Group reports revenue and results by operating segments that reflect how it serves clients across consumer and commercial needs. The principal segments are:

• Consumer/retail banking: deposit products (checking, savings), consumer lending including mortgages and home equity products, personal banking, and credit cards.
• Commercial banking: loans and treasury services for small and middle‑market companies, commercial real estate lending, and industry‑specific financing.
• Wealth and capital markets: wealth management advisory, brokerage, capital markets activities and institutional services that generate fee income and trading/underwriting revenue.

Distribution channels include the branch network (geographically concentrated), relationship managers for commercial and wealth clients, and digital platforms for retail customers. Non‑interest or fee income (wealth, capital markets, fees) complements net interest income derived from lending and deposit activities.

Financial profile

Banks like Citizens are evaluated using a mix of balance‑sheet and income‑statement metrics. The most relevant financial indicators for cfg stock include revenue, net income, net interest income (NII), net interest margin (NIM), provision for credit losses, return on assets (ROA), return on equity (ROE), tangible book value per share (TBVPS), efficiency ratio, and core capital ratios.

Quarterly 10‑Q and annual 10‑K filings provide audited and detailed numbers; investor presentations and earnings releases summarize results and management commentary. Analysts also track sequential trends in loan growth, deposit inflows, credit costs, and fee revenue mix to interpret near‑term performance.

Key financial metrics

Common summary metrics for cfg stock that are reported by markets and data providers include market capitalization, price‑to‑earnings (P/E) ratio, earnings per share (EPS), dividend yield, book value per share and tangible book value per share, total assets and loan book size, and capital ratios.

As of mid‑January 2026 reporting (company Q4 FY2025 results):

• Adjusted EPS (Q4 2025): $1.13 (reported vs consensus ~ $1.11) — reported Jan 2026 (source: company release and market summaries).
• Revenue / revenue net of interest expense (Q4 2025): approx. $2.16 billion (beat consensus by a small margin).
• Net income (Q4 2025): $528 million (reported by AP and company release).
• Tangible book value per share (year‑end): ~$38.07 (reported; see Seeking Alpha/Zacks summaries).
• Market capitalization (reported figure in analyst recap): approx. $25.69 billion (reported in Jan 2026 commentary).

All market metrics change intraday; for the latest figures consult market data providers and the company’s investor relations updates. Sources used in this article include the company investor relations statements, Nasdaq, Yahoo Finance, TradingView, Seeking Alpha, Finviz, GuruFocus, and Zacks.

Stock information

Ticker: CFG Exchange: New York Stock Exchange (NYSE) ISIN: US1773761002 (commonly cited by market platforms; verify in company filings or exchange records)

Listing and trading data (e.g., IPO/listing date) can be confirmed in historical investor materials or the NYSE/SEC records. Market data pages such as Yahoo Finance, Nasdaq quote pages, TradingView charts and broker platforms provide live quotes, historical charts and downloadable data for cfg stock.

Trading and liquidity

Liquidity for cfg stock is reflected in average daily volume, public float, and market capitalization. Options chains and derivatives for CFG are available on major options markets and through broker platforms; these show implied volatility, open interest, and expirations for investors and risk managers tracking the stock’s derivatives.

Typical data points to watch when judging trading dynamics:

• Average daily traded shares (volume): available on market data pages and updated daily.
• Float and outstanding shares: reported in company filings and updated by market data aggregators.
• Options liquidity and implied volatility: shown on options chain tools on broker and market sites.

For active monitoring of cfg stock price action and technical charts, investors often use charting sites such as TradingView or data aggregators like Yahoo Finance and Nasdaq.

Dividends and corporate actions

Citizens Financial Group historically has paid common dividends and, if applicable, may have preferred securities with separate dividend terms. Dividend policy (frequency, amount, declaration cadence) is disclosed with each dividend declaration and in annual reports.

Corporate actions that affect shareholders — share repurchases, stock splits, dividend changes, spin‑offs, mergers or large acquisitions — are communicated through press releases and SEC filings (8‑K). When tracking cfg stock, check the company’s investor relations page and SEC filings for up‑to‑date corporate action notices.

Shareholders and ownership

Shareholder composition for cfg stock typically includes institutional investors, mutual funds and ETFs, insider holdings (executives and directors), and retail investors. Major holders and institutional ownership percentages are reported on platforms like Nasdaq and in 13F filings for institutional managers.

To see which institutions are largest holders, consult data aggregators that compile 13F filings and institutional ownership reports; proxy statements also disclose significant insider and director holdings.

Corporate governance and management

Citizens Financial Group is governed by a board of directors and led by executive management headed by the CEO and CFO. Governance documents such as the corporate charter, committee charters, code of conduct, and related policies are typically published on the company’s investor relations site.

Notable executives (as of Jan 2026) and board composition are listed in the company’s proxy statement and in public investor materials. For current names and biographies, consult the latest proxy or investor relations “Leadership” page.

Market performance and analyst coverage

CFG is covered by sell‑side analysts across the banking and financial services sector. In the wake of the Q4 2025 results (reported in January 2026), several analysts updated price targets and reiterated ratings:

• Keefe, Bruyette & Woods maintained an Outperform rating and raised the price target from $68 to $70.
• RBC Capital maintained an Outperform rating and raised the target from $60 to $67.
• DA Davidson kept a Buy rating and raised the price target from $65 to $73.

As of Jan 20, 2026, cfg stock traded near the mid‑$60s per share in market summaries; for example, some reports cited prices around $65.10–$65.15 following the earnings release. Analyst changes after earnings are common and can influence near‑term price movement. Historical performance drivers for the stock include net interest margin trends, credit cost movements, deposit growth or outflows, and macro developments that affect regional banking fundamentals.

Risks and regulatory environment

Principal risk factors for a regional bank like Citizens include:

• Credit risk: deterioration in borrower credit quality, concentrated loan exposures (e.g., commercial real estate), and higher loan loss provisions.
• Interest‑rate risk: changes in rate curves that compress or widen net interest margins and alter economic value of assets/liabilities.
• Liquidity risk: deposit volatility or wholesale funding market stress that could challenge short‑term liquidity management.
• Market risk: mark‑to‑market movements in investment portfolios or trading positions that affect capital and earnings.
• Operational risk and cybersecurity: data breaches, fraud, or operational outages.
• Regulatory and compliance risk: changes in bank regulation, supervisory actions or fines, and capital requirements.

The company’s SEC filings (10‑K and 10‑Q) include a detailed risk factors section that lists and describes these items; investors and analysts review these disclosures to assess potential downside exposures.

Recent developments and news

As of January 20, 2026, Citizens Financial Group reported fourth‑quarter 2025 results that modestly exceeded analysts’ consensus estimates. Key items reported in the quarter and summarized by market outlets included:

• Adjusted EPS of $1.13, above consensus ~$1.11 (reported by the company and covered by AP and market news services).
• Revenue (net of interest expense) of about $2.16 billion, a narrow beat versus expectations; net interest income and net interest margin (NIM) were highlighted as stable to improving.
• Net income for the quarter was reported as $528 million (AP recap of the earnings release dated Jan 2026).
• Management commentary emphasized improved fee growth (capital markets and wealth) and positive operating leverage; the CEO noted continued improvement in net interest margin and credit costs trending favorably.
• Analysts updated price targets and maintained constructive ratings: Keefe Bruyette & Woods (target $70), RBC Capital (target $67), DA Davidson (target $73).
• Market reaction included a modest intraday share move (press accounts referenced ~+1.6% to trade near $65.10 after the release in some summaries).

Sources for these points included company press releases, AP reporting, Benzinga and Yahoo Finance summaries, and analyst notes discussed in financial news coverage. Example dated lines: "As of January 16–20, 2026, per market reports and the company earnings release, Citizens posted Q4 results beating EPS and revenue expectations by small margins."

Note: market prices and analyst views evolve quickly; readers should consult live market pages and the company’s investor relations site for the latest statements and filings.

Investor resources and filings

Primary sources for authoritative information about cfg stock:

• Citizens Financial Group — Investor Relations materials (earnings releases, investor presentations, governance documents).
• SEC filings: annual reports (Form 10‑K), quarterly reports (Form 10‑Q), current reports (Form 8‑K), and proxy statements.
• Market data pages: Yahoo Finance (CFG), Nasdaq quote pages (CFG), TradingView (NYSE: CFG), Seeking Alpha, Finviz, GuruFocus, and Zacks for analyst and metric summaries.

When verifying numbers reported in news summaries, cross‑check the company press release and the relevant 8‑K or 10‑Q/10‑K on SEC EDGAR.

See also

• Regional banking sector overview and regulation
• NYSE listed bank holding companies
• Peers and comparable tickers (other U.S. regional banks; consult peer lists on market sites)
• Bank financial metrics glossary (NIM, TBVPS, efficiency ratio, ROE)

References

This guide summarizes publicly available information reported by major market data providers and news outlets. Key sources used in compiling this article include the Citizens Financial Group investor relations release for Q4 FY2025, AP reporting on the earnings release (January 2026), Yahoo Finance market coverage, Benzinga market recap of earnings and analyst reactions, Seeking Alpha and Zacks summaries, TradingView / Nasdaq / Finviz market pages, and GuruFocus company metrics. Specific date references in the article use January 16–20, 2026 reporting by these sources.

• As of January 20, 2026, per company release and AP: Q4 net income $528M, EPS $1.13, revenue net of interest expense ~$2.16B.
• As of Jan 16–20, 2026, analyst target updates and market wraps were reported by Benzinga and Yahoo Finance.

For verification, consult the company’s SEC filings (10‑K/10‑Q/8‑K) and investor relations archives.

External links (official resources to visit)

• Citizens Financial Group — Investor Relations page (company earnings, presentations, governance documents)
• SEC EDGAR — Citizens Financial Group filings (10‑K, 10‑Q, 8‑K)
• Market quote pages: Yahoo Finance (CFG), Nasdaq (CFG), TradingView (NYSE:CFG)

(Note: above are titles of official pages and data sources; search for these names in your preferred market data platform to access the latest content.)

Practical checklist to follow cfg stock

• Review the latest earnings release and the related 8‑K on the company IR page the day results are posted.
• Check consensus analyst estimates and read analyst notes after results to understand revisions to targets or ratings.
• Monitor key metrics: net interest income, net interest margin, credit costs/provisions, loan growth, deposit trends, and tangible book value per share.
• Track liquidity and options market signals for short‑term volatility if trading occurs around events.
• Use trusted market pages (Yahoo Finance, Nasdaq, TradingView) for live quotes and historical charts.

How to follow cfg stock on Bitget

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Further exploration

If you want timely notifications about Citizens’ releases, earnings dates, and subsequent analyst commentary, set alerts on your market data platform and check the company’s investor relations calendar. For broader sector context, compare cfg stock metrics against peer regional banks using market data pages and public filings.

For more on using Bitget to track equities and to connect market alerts with advanced charting, explore Bitget’s platform resources and Bitget Wallet for secure asset management.

Thank you for reading this cfg stock guide. For updates, consult the official investor relations pages and the latest SEC filings cited above.