profit from every $100 of sales.
$0$100
Citizens Financial Group
$65.26+0.62% today
+26.2% in 1 year
1-year low $49.711-year high $74.73
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2020 to 2025.
0%20% a year
You pay $14.94 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Citizens Financial Group sold, what it kept, and what it did with the cash.
Sales went from $8.02 billion in 2022 to $8.25 billion in 2025, with $1.83 billion of profit last year.
SalesProfit
Citizens Financial Group handed back 93% of the cash it generated last year.
Buybacks $1.0B$888M
Free cash flow 2025$2.0B
Bought back its own shares$1.0B
Paid as dividends$888M
Cash vs. debt$13.7B vs. $11.3B
Citizens Financial Group vs. similar companies
Citizens Financial Group grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Citizens Financial Group | 14.9× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Citizens Financial Group's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| 6,905 | 6,647 | 8,021 | 8,224 | 7,809 | 8,247 | |
| – | – | – | – | – | – | |
| – | – | – | – | – | – | |
| 2,647 | 3,941 | 4,268 | 6,471 | – | – | |
| 1,057 | 2,319 | 2,073 | 1,608 | 1,509 | 1,831 | |
| 2.22 | 5.16 | 4.10 | 3.13 | 3.03 | 3.86 | |
| – | – | – | – | – | – | |
| – | – | – | – | – | – | |
| 15.3% | 34.9% | 25.8% | 19.6% | 19.3% | 22.2% |
Balance sheet
| In millions of USD | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| Total assets | 183,349 | 188,409 | 226,733 | 221,964 | 217,521 | 226,351 |
| Cash | – | – | 10,850 | 12,033 | 11,236 | 13,688 |
| Total debt | 8,589 | 7,006 | 15,890 | 13,972 | 12,401 | 11,282 |
| Total liabilities | 160,676 | 164,989 | 203,043 | 197,622 | 193,267 | 200,034 |
| 22,673 | 23,420 | 23,690 | 24,342 | 24,254 | 26,317 | |
| 428 | 427 | 478 | 477 | 454 | 437 | |
| 5.2% | 8.6% | 7.4% | 12.4% | – | – | |
| 4.7% | 9.9% | 8.8% | 6.6% | 6.2% | 7.0% |
Cash flow
| In millions of USD | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| 111 | 2,275 | 4,119 | 2,961 | 2,001 | 2,211 | |
| – | – | 126 | 172 | 122 | 174 | |
| – | – | 3,993 | 2,789 | 1,879 | 2,037 | |
| Dividends paid | – | – | 892 | 928 | 903 | 888 |
| – | – | 153 | 906 | 1,350 | 1,000 | |
| 48 | 59 | 84 | 87 | 97 | 120 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 14.9×
- 12.6×
- 1.28
- 1.0×
- 3.3×
- 6.7%
- 2.9%
Profitability
- 22.2%
- 0.9%
- 5.2%
- 7.6%
- 0.9%
Growth
- +3.6%
- +11.7%
- +2.0%
- +0.3%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 23%of 854
Bottom 49%of 733
Bottom 44%of 876
Bottom 31%of 878
Top 42%of 929
What analysts expect
- Average price target
- $72.42
- Range
- $65.00 – $80.00
- 5 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 16, 2026 | 1.13 | 1.10 | +2.7% |
| Jan 21, 2026 | 1.13 | 1.10 | +2.7% |
| Oct 15, 2025 | 1.05 | 1.03 | +1.9% |
| Jul 17, 2025 | 0.92 | 0.88 | +4.2% |
| Apr 16, 2025 | 0.77 | 0.75 | +2.8% |
| Jan 17, 2025 | 0.85 | 0.83 | +2.4% |
| Oct 16, 2024 | 0.77 | 0.79 | −2.5% |
| Jul 17, 2024 | 0.78 | 0.79 | −1.3% |
2.9%of the share price, paid each year
On $1,000 invested$29a year at today's yield, before tax
+2.0%2020 to 2025
Raised1 yearin a row, in our data
Paid per share, each year
$0.40 in 2015 → $1.72 in 2025
How safe it looks
48.5% of its profit
Room to growStretchedMore than it earns: 43.6%
News
Citizens Holding reports Q3 resultsSeeking Alpha · Nov 3, 2026Omega Healthcare Investors raised to Buy-equivalent at Citizens after stock cools from 52-week highSeeking Alpha · Oct 22, 2026First Citizens (FCNCA): Is the SVB-Boosted Bank Still Undervalued for the S&P 500 Index?Yahoo Finance · Oct 20, 2026First Citizens BancShares (FCNCA): Buy, Sell, or Hold Post Q2 Earnings?Yahoo Finance · Oct 16, 2026Peoples Bancorp gets regulatory green light for Citizens National mergerSeeking Alpha · Sep 29, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
5/7Passes 5 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
62Pass
Benjamin Graham
82Pass
Philip Fisher
70Pass
Peter Lynch
56No pass
Joel Greenblatt
15No pass
Charlie Munger
60Pass
Terry Smith
60Pass
Questions about Citizens Financial Group
Is Citizens Financial Group a good stock to buy?
A strong, very profitable business, and the price looks low. 5 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Citizens Financial Group AI analysis
What does Citizens Financial Group do?
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. It is in Banks - Regional, based in Providence, RI, United States, with 17,380 employees.
Does Citizens Financial Group pay a dividend?
Yes. At today's price the dividend is 2.9% a year, about 48% of its yearly profit. In 2025 it paid out $888 million in dividends.
Is Citizens Financial Group stock halal?
No. Citizens Financial Group does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Citizens Financial Group stock done over the past year?
Up 26.2% over the past twelve months, to $65.26. It traded between $49.71 and $74.73 and is 12.7% below its high.
Who are Citizens Financial Group's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Citizens Financial Group's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.