Citizens Financial Group (CFG)
NYSEFinancialsBanks - RegionalSnapshot 2026-07-07
$71.80-0.43%
Close 2026-07-07 · 1-day change
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Track CFG free→Citizens Financial Group grows revenue about 11% a year. Profit margins improved to 3.14% net interest margin. Noninterest income rose from $544M to $606M. Efficiency ratio improved from 67.9 to 63.6, showing better cost control.
Protests in New Jersey may hurt customer trust and operations. The bank trades at a premium PE of 16.97 versus peers at 11.98. Revenue growth could slow below expectations.
The price is about 17% above our fair value near $62. Analysts expect 11% revenue growth. Our fair value is 15% below the Street median, so the market partly prices in optimistic growth.
Breaks if: efficiency ratio rises above 67.9%
Focus on improving the efficiency ratio through cost management and operational efficiency.
Stated in 2 of last 2 quarters. Efficiency ratio improved from 67.9 in 2025-Q1 to 63.6 in 2026-Q1, indicating progress in cost management and operational efficiency. The trajectory is delivering on this priority.
Breaks if: net interest margin falls below 2.90%
Focus on sustaining a strong net interest margin through strategic asset and liability management.
Stated in 3 of last 3 quarters. Net interest margin increased from 2.90% in 2025-Q1 to 3.14% in 2026-Q1, reflecting strategic asset and liability management. The trajectory is delivering on management's stated priority.
Breaks if: noninterest income falls below $544M
Increase noninterest income through growth in Capital Markets and Wealth Management fees.
Stated in 3 of last 3 quarters. Noninterest income increased from $544M in 2025-Q1 to $606M in 2026-Q1, driven by growth in Capital Markets and Wealth Management fees. The trajectory shows delivering on this priority.
Standing thesis, reviewed periodically — not a price target or advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“Efficiency ratio improved to 63.6 from 67.9 YoY.”
“Efficiency ratio improvement remains a focus.”
“NIM continues to expand, up 7 bps to 3.14%; NII up 12%, NIM up 24 bps YoY.”
“NIM expansion of 7 bps sequentially and 24 bps versus a year ago.”
“NIM continues to expand, contributing to strong financial results.”
“Fees up 11% YoY driven by Capital Markets and Wealth.”
“Noninterest income increased, driven by Capital Markets and Wealth fees.”
“Strong performance in Capital Markets and Wealth Management.”