Valuation dashboard for Citizens Financial Group, Inc. (CFG) with P/E 12.86, P/B 1.07, EV/EBITDA 9.70 and dividend yield 2.98%. DCF, Graham Number, EPS growth, peer multiples and dividend discount models plus sector comparison against other Financial Services companies.
Citizens Financial Group, Inc. (CFG) functions as the holding company for Citizens Bank, National Association, a major financial institution offering a comprehensive suite of retail and commercial banking solutions across the United States. It serves a broad spectrum of clients, from individual consumers and small enterprises to large corporations and various institutions. Its business is segmented into two primary divisions: Consumer Banking and Commercial Banking.
Analysis Summary
Citizens Financial Group, Inc. reported revenue of $11.15B in the most recent fiscal year, growing at a 5-year CAGR of 7.7%. Net income reached $1.83B, with a 11.6% 5-year CAGR.
Trailing-twelve-month margins: gross margin 73.3%, operating margin 24.8%, net margin 19.5%.
At $63.81 (closing price, October 30, 2026), CFG trades at a P/E of 12.86 and an ROE of 8.74%. Market capitalisation stands at $26.9B, placing it among large-cap names.
Balance sheet quality for CFG: current ratio of 1.0. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Valuation Ratios
| P/E Ratio | 12.86 |
| Price / Book | 1.07 |
| EV / EBITDA | 9.70 |
| Dividend Yield | 2.98% |
Valuation Models
| DCF Fair Value | $322.94 |
| vs Current Price | +406.1% |
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| CFG | Citizens Financial Group, Inc. | $26.9B | 12.86 | 1.07 | 8.7% |
| FITB | Fifth Third Bancorp | $48.9B | 18.45 | 1.47 | 8.3% |
| HBAN | Huntington Bancshares Incorporated | $31.8B | 12.52 | 0.99 | 8.2% |
| FCNCA | First Citizens BancShares, Inc. | $26.1B | 12.06 | 1.23 | 10.9% |
| CBSH | Commerce Bancshares, Inc. | $7.8B | 13.17 | 1.87 | 14.4% |
| PNC | The PNC Financial Services Group, Inc. | $90.5B | 12.13 | 1.47 | 12.6% |
| USB | U.S. Bancorp | $92.6B | 11.59 | 1.39 | 12.6% |
| MTB | M&T Bank Corporation | $31.9B | 11.51 | 1.13 | 10.7% |
Price
| Price | $63.81 (closing price, October 30, 2026) |
| Market Cap | $26.9B |
| Exchange | NYSE |
| Country | US |
Profitability
| Return on Equity | 8.74% |
| Return on Invested Capital | 4.61% |
| Return on Assets | 0.97% |
| Gross Margin | 73.25% |
| Operating Margin | 24.78% |
| Net Margin | 19.47% |
Related companies: FITB · HBAN · FCNCA · CBSH · PNC · USB · MTB · RF
Explore sector: Financial Services · Banks - Regional
More sections of CFG: Overview · Financials · Statistics · Estimates · Technical · Ownership · News · Events
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