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Founded in 1828 and headquartered in Providence, Rhode Island, Citizens Financial Group, Inc. (CFG) is a leading financial institution offering a broad range of banking services. With a market cap of $21.3 billion, Citizens operates across retail and commercial banking, providing innovative financial solutions to individuals, businesses, and institutions.
Shares of the bank have outperformed the broader market over the past 52 weeks. CFG has surged 53.2% over this time frame, while the broader S&P 500 Index ($SPX) has rallied 22.8%. In 2025, CFG stock is up 10.4%, compared to SPX’s 3.4% gain on a YTD basis.
Zooming in further, CFG stock has also outperformed the SPDR S&P Regional Banking ETF (KRE). The exchange-traded fund has gained about 39.5% over the past year and returned 8.5% on a YTD basis.
Shares of Citizens Financial have outperformed the broader market and peers due to strong earnings growth, higher net interest margins, and fee income expansion. On Jan. 17, CFG stock rose 1.6% following strong Q4 earnings results. Adjusted revenue reached $1.99 billion, exceeding analysts’ expectations of $1.96 billion. EPS surged 144.1% to $0.85, beating forecasts of $0.83. Net interest income (NII) rose 3%, driven by a 10-basis point increase in net interest margin (NIM) to 2.87%.
For the current fiscal year, ending in December, analysts expect CFG’s EPS to grow 21.3% year-over-year to $3.93. The company’s earnings surprise history is mixed. It beat the consensus estimates in two of the last four quarters while missing on other two occasions.
Among the 21 analysts covering the stock, the consensus rating is a “Moderate Buy.” That’s based on 11 “Strong Buy” ratings, one “Moderate Buy,” and nine “Holds.”
This configuration is slightly more bullish than three months ago when 10 analysts recommended a “Strong Buy” rating.
On Jan. 21, Truist raised CFG's price target to $54 from $49, citing improved net interest margins, fee growth, reserve releases, and share buybacks.
Citizens Financial’s mean price target of $52.75 represents a premium of 9.2% to current price levels. Meanwhile, the Street-high target of $60 suggests a potential upside of 24.2%.
