Citizens Financial Group, Inc. (CFG)

FairStock Score: 56/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

Citizens Financial is a plain regional bank, and I judge banks first on durable returns and credit safety. FairStock labels it a Stalwart from filed annual results, with profit growth of 11.6% a year over five years and revenue growth of 8.6%; that is respectable. But FairStock's 2026-10-26 calculations show an 8.90% ROE and 0.99% ROCE, which are modest for a bank, while P/B is 1.20 and P/E is 14.24 at the $65.37 close. The 3.18% dividend yield and PEG of 0.37 suggest the price may not be demanding, but cheapness alone is not enough if returns are mediocre. Filed results show fiscal Q2 2026, the quarter ended 2026-06-30, had net income of $587.0M and diluted EPS of $1.30, versus $436.0M and $0.92 in fiscal Q2 2025; revenue was $451.0M versus $383.0M, as filed. FY2025 had revenue of $1.6B, net income of $1.8B and diluted EPS of $3.86; FY2024 had $1.5B, $1.5B and $3.03. The rebound is real, but FY2023 net income of $1.6B and EPS of $3.13 show lumpiness. A Piotroski F-score of 6/9 is only adequate. The big missing pieces are bank-specific: CET1 capital, net interest margin, credit costs, nonperforming loans, reserve coverage and efficiency ratio are not in the data, so I cannot fully judge underwriting risk. At 1.20 times book and 14.24 times earnings, Citizens looks reasonably priced, not a fat bargain. I would want more evidence of high, consistent returns before calling it a wonderful business.

In plain English: Citizens Financial Group is a regional bank that takes deposits and makes loans to consumers and businesses. Recent reported profit has been rising, but the company earns only a moderate return on shareholder money. At the recent $65.37 close, the shares look roughly fair to modestly inexpensive compared with reported earnings and the value of its net assets.

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Data as of 2026-10-26 close · note generated 2026-10-28 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer