Citizens Financial Group (CFG)
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
$70.78-0.07%
Close 2026-09-04 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · CFG
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 1.6% |
| Our one-year growth estimate | diamond | 10.7% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 9.0 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 219 industry peers
CFG — capital allocation — Material Modification to Rights of Security Holders
Dated 2026-07-30
Material Modification to Rights of Security Holders. Upon issuance of the 6.750% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series J, liquidation preference of $1,000 per share (the “Series J Preferred Stock”) by Citizens Financial Group, Inc. (the “Registrant”) on July 30, 2026, the ability of the Registrant to declare or pay dividends on, or purchase, redeem or otherwise acquire, shares of its common stock or any shares of other stock of the Registrant that rank junior to th…
Why it matters: Low net charge-offs show strong credit quality. This supports financial health and investor trust.
Supportive ifNet charge-offs were below 0.40% in Q2. This reflects strong credit quality.
Worry ifNet charge-offs exceed 0.40% in Q2, raising concerns about credit risk.
Why it matters: A decline in net interest margin could hurt net interest income growth. This is crucial for profitability.
Worry ifNet interest margin is below 3.15%.
Less concerning ifNet interest margin remains at or above 3.15%.
Why it matters: A drop in Private Bank deposits may show less demand and hurt overall earnings.
Worry ifPrivate Bank deposits fall below $17 billion.
Less concerning ifPrivate Bank deposits are still over $17 billion.
Why it matters: A drop in capital markets fees may show less demand for investment banking.
Worry ifCapital markets fees in Q3 below $150 million.
Less concerning ifCapital markets fees in Q3 at or above $150 million.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$109 on $10,000 · ±1.1% | How much price usually moves either way. |
| Bad day | $249 loss on $10,000 · 2.5% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,832 loss on $10,000 · 18.3% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: A strong net interest margin helps make more money. A margin over 3.10% shows good asset management.
Supportive ifIn Q2, the net interest margin was above 3.10%. This shows continued strength.
Worry ifIn Q2, the net interest margin fell below 3.10%. This suggests possible weakness.
Why it matters: A lower efficiency ratio means better cost management. This is important for making more money.
Supportive ifThe efficiency ratio was below 62%. This shows better cost management.
Worry ifThe efficiency ratio stayed above 62%. This suggests ongoing cost challenges.
Why it matters: Strong net interest income growth shows the bank's ability to manage margins and asset growth. It confirms ongoing financial health.
Supportive ifQ3 net interest income grows over 4% from last quarter. This shows strong performance.
Worry ifQ3 net interest income growth is under 2% from last quarter. This suggests weak performance.
Why it matters: Lower growth means it may be hard to keep net interest income up. This could hurt overall earnings.
Worry ifQ3 net interest income growth below 4% compared to Q2.
Less concerning ifQ3 net interest income growth at or above 4% compared to Q2.
Why it matters: Slower growth may show weaker performance in Capital Markets and Wealth areas.
Worry ifNoninterest income growth below 8% YoY in Q3.
Less concerning ifNoninterest income growth at or above 8% YoY in Q3.
Why it matters: Weak growth may show problems in growing this important segment. This could hurt overall earnings.
Worry ifPrivate Bank deposits grow less than 5% QoQ in Q3.
Less concerning ifPrivate Bank deposits grow at or above 5% QoQ in Q3.
Why it matters: A higher efficiency ratio shows rising costs. This could hurt profits.
Worry ifEfficiency ratio above 62% in Q3.
Less concerning ifEfficiency ratio at or below 62% in Q3.