Citizens Financial Group CFG
Citizens Financial Group is a US regional bank offering retail and commercial banking, loans, credit cards, and wealth management to individuals and businesses in the northeastern and midwestern United States. Citizens Financial Group shows solid financial health (ROE 8.27%) and excellent business quality (operating margin 35.13%), with earnings growth of 41.30% and an attractive valuation (P/E 14.28).
Detailed metrics
Market and fundamental data as of the analysis date.
Full AI report
Generated automatically from the metrics, the macro context and the company's news.
Citizens Financial Group is a US regional bank offering retail and commercial banking, loans, credit cards, and wealth management to individuals and businesses in the northeastern and midwestern United States. Citizens Financial Group shows solid financial health (ROE 8.27%) and excellent business quality (operating margin 35.13%), with earnings growth of 41.30% and an attractive valuation (P/E 14.28).
Score by category
| Category | Score |
|---|---|
| Financial health | 3.6 |
| Quality / Moat | 8.7 |
| Valuation | 5.1 |
| Growth | 8.2 |
| Dividend | 7.2 |
| Momentum | 7.2 |
| Risk & Context | 5.9 |
OVERALL SCORE: 6.2/10
Context and risks
Moderate regulatory risk in the US banking sector. Pressure on net interest income, evidenced by Huntington's outlook cut, is a sector risk affecting CFG.
News considered in the analysis
- Huntington Shares Tumble 5.6% on 2026 NII and 2027 EPS Outlook Cut — La rebaja de perspectivas de un competidor directo (Huntington) sobre ingresos netos por intereses y BPA para 2026-27 es una señal negativa para el sector de bancos regionales, sugiriendo presión en márgenes que también afecta a CFG.
- 3 Regional Bank Stocks to Watch If Fed Rates Stay Higher for Longer — El artículo menciona a CFG como uno de los bancos regionales a vigilar si la Fed mantiene los tipos altos, lo que podría ser un viento de cola para el margen de intereses, aunque la probabilidad de que esto se materialice es incierta.
- Citizens Financial Stock: Is CFG Outperforming the Financial Sector? — Titular sin información nueva; es una comparación genérica de rendimiento sin datos concretos.
- U.S. Bancorp Eyes Strong Q3 as NII & Fee Revenues Gain Momentum — Noticia sobre un competidor (U.S. Bancorp) sin impacto directo en CFG.
- Can M&T Bank's Loan Growth & AI Push Drive Earnings Momentum? — Noticia sobre otro competidor (M&T Bank) sin impacto directo en CFG.
Verdict: Hold, with a positive bias due to its solid quality and valuation, but watching sector pressure on net interest income.
Main risk: The main risk is pressure on net interest margin in the regional banking sector, as evidenced by Huntington's downward revision of 2026-27 outlook, which could affect CFG's future profitability.
Other Financial Services companies
Neighbours in the sector ranking, to compare without going back to the index.
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