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CFG · Citizens Financial Group Inc/Ri

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$74.73 +0.62 (+0.84%) At close · Aug 14
Market Cap
$31.47B
Shares
421.18M

Price & Indicators

Indicators
Price
Panels
Event markers
20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$74.73 Open$73.86 Day$73.62–74.86 52W close$48.28–74.73 Avg vol 30d4.3M Short int19.2M · 4.5% float · 4.0d Short vol44% Last earningsJul 16, 2026 DataJan 2020–Aug 2026 Filing10-Q · Aug 3

Up next

Next earnings call
Oct 15, 2026 Est · unconfirmed · in 9 wks
FQ3-26 quarter ends
~Sep 30, 2026 Est
Latest filing: 10-Q
filed Aug 3, 2026

AI Brief

TL;DR.

Bullish
    Bearish

      AI-generated from the earnings call and 8-K · may contain errors · not investment advice

      Ask ALVIS about this →

      Equibles Rating

      blended score · not investment advice
      Overall
      Buy
      SellHoldBuy
      Technical Strong Buy Momentum Very Strong Sentiment Neutral Fundamentals Strong Quant / Vol Low
      Market backdrop VIX 14.3 · calm Equity put/call 0.52
      Technical
      price trend
      Strong Buy
      50 / 200-day cross No cross
      Price vs 200-day avg +19%
      above
      Price vs 50-day avg +6%
      above
      RSI (14) 64
      neutral
      MACD trend Positive
      52-week position 100%
      near high
      Volume (OBV) Confirms
      volume backs price
      Momentum
      relative strength
      Very Strong
      1-month return +3%
      trailing
      6-month return +20%
      trailing
      YTD return +28%
      this year
      Relative strength +6%
      vs S&P · 6-mo
      Sentiment
      smart money
      Neutral
      Trend (MA cross) No cross
      50d $70 › 200d $63 — 50d above 200d
      Institutional flow Accumulating
      +5% holders QoQ · +152 funds added
      Insider flow Distributing
      Net -$9.3M over 90 days · 100% sells
      Short interest Rising
      4.55% of float · ▲ +18.1% MoM · 4.0 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      1,083 holders — near 3-yr high, broad support
      Squeeze score 63
      elevated · 0–100
      Fundamentals
      Strong
      Revenue growth +6%
      Y/Y
      EPS growth +27%
      Y/Y
      Free cash flow $2.1B
      Valuation P/E 16.3
      rich
      Buyback $775.0M
      remaining
      Balance sheet $7.2B
      net debt
      Quant / Vol
      risk profile
      Low
      Volatility 27%
      annualized · 1-yr
      Max drawdown −18%
      past year
      ATR 2.0%
      of price · 14-day

      Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

      Guidance & track record

      Latest guidance · from the 8-K filed Jan 21, 2026
      medium term
      ROE 20% – 25%
      ROTCE 16% – 18%
      by year-end 2028
      Pre-tax run-rate benefit $450M
      4Q26
      NIM (4Q26 target) 3.25%
      FY2026
      Average loans Initiated 2.5% – 3.5%
      Noninterest income Initiated 6% – 8%
      Noninterest expense Initiated 4.5%
      Share repurchases Initiated $700M – $850M
      CET1 ratio Initiated 10.5% – 10.6%
      Tax rate Initiated 22%
      Prior guidance period ended · from the 8-K filed Jan 21, 2026
      Noninterest expense · 1Q26 2% – 2.5%
      CET1 ratio · 1Q26 10.5% – 10.6%

      Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

      Technicals

      trend & momentum for long-term holders Strong Buy
      0 · 3 · 4
      50 / 200-day cross
      No cross Neutral
      Price vs 200-day avg
      +19% Bullish
      Price vs 50-day avg
      +6% Bullish
      RSI (14)
      64 Neutral
      MACD trend
      Positive Bullish
      52-week position
      100% Bullish
      Volume (OBV)
      Confirms Neutral
      Market signals — smart money & positioning
      Mixed
      Trend (MA cross) No cross
      50d $70 › 200d $63 — 50d above 200d
      Institutional flow Accumulating
      +5% holders QoQ · +152 funds added
      Insider flow Distributing
      Net -$9.3M over 90 days · 100% sells
      Short interest Rising
      4.55% of float · ▲ +18.1% MoM · 4.0 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      1,083 holders — near 3-yr high, broad support
      Price context
      position in its 52-week range
      Range low $48 Now $75 · 100% Range high $75
      vs 200-day avg +19% vs 50-day avg +6%

      Illustrative technical + ownership context — a signal mix, not investment advice.

      Key metrics

      the company's own KPIs, from written earnings releases and filings
      Metric Latest Period YoY
      Allowance for credit losses to nonaccrual loans and leases 152% 2Q26 —
      Average basic common shares outstanding 422.9M 2Q26 —
      Average diluted common shares outstanding 426.7M 2Q26 —
      Common equity tier 1 capital ratio 10.4% 2Q26 —
      Effective income tax rate 22.3% 2Q26 —
      Loan-to-deposit ratio (spot) 79.5% 2Q26 —
      Net interest margin 3.16% 2Q26 —
      Nonaccrual loans and leases to loans and leases 0.97% 2Q26 —
      Return on average tangible common equity 13.9% 2Q26 —
      Return on average total tangible assets 1.06% 2Q26 —
      TBV/Share $38.29 2Q26 —
      Tier 1 leverage ratio 9.2% 2Q26 —
      Total capital ratio 13.6% 2Q26 —
      CET1 10.5% 1Q26 —
      ROTCE 12.2% 1Q26 —

      Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

      Versus peers

      Banks - Regional — same industry group
      Open screener →
      Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
      CFG
      Citizens Financial Group Inc/Ri
      this stock
      		$31.47B +27.9% +5.6% 16.3 4.5%
      MFG
      Mizuho Financial Group Inc
      		 $132.42B +48.5% — — 0.1%
      HDB
      Hdfc Bank Ltd
      		 $120.05B -36.0% +15.2% — 0.5%
      IBN
      Icici Bank Ltd
      		 $108.39B -0.2% — — 0.5%
      PNC
      Pnc Financial Services Group, Inc.
      		 $102.52B +23.1% +7.2% 14.1 1.8%

      Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

      At a glance

      key data from every section
      Ownership
      Institutional Holders Accumulating
      Holders
      1,083
      % held
      97.6%
      Net QoQ
      +9.5M sh
      Top holder
      BlackRock, Inc.
      Held Float
      View
      Held by Funds
      Fund positions
      797
      View
      Short & Settlement
      Short Interest Rising
      Shares short
      19.2M
      Days to cover
      4.0d
      Change
      +2.9M sh
      View
      Short Volume
      Short vol %
      44%
      As of
      Aug 14, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      59
      Value
      $4.2K
      As of
      Jul 6, 2026
      View
      Off-Exchange
      Off-exchange %
      43.0%
      Week of
      Jul 6, 2026
      Off-exch Lit
      View
      Smart Money
      Insider Trades Net selling
      Net (90d)
      -$9.3M
      Buyers / Sellers
      0 / 1
      Buyers Sellers
      View
      Congressional Trades Sell
      Member
      Jefferson Shreve
      Amount
      $15.0K–$50.0K
      Traded
      Apr 7, 2025
      View
      Financials
      Financials
      Revenue (FY)
      $8.2B
      Net income (FY)
      $1.8B
      EPS diluted
      $3.86
      View
      Buybacks
      Authorized
      $850.0M
      Remaining
      $775.0M
      Spent Remaining
      View
      Filings
      SEC Filings
      Latest
      10-Q
      Filed
      Aug 3, 2026
      This year
      12
      View
      Proposed Sales
      Value
      $9.3M
      Shares
      129.4K
      Filed
      Jul 24, 2026
      View
      Earnings & Events
      Earnings Calls
      Last call
      Jul 16, 2026
      View

      Performance

      5D 20D 120D MTD YTD
      CFG +2.8% +3.2% +19.6% +4.3% +27.9%
      SPY +0.4% +4.5% +13.8% +3.9% +13.9%
      vs SPY +2.4% -1.2% +5.8% +0.4% +14.1%

      Capital returns

      Latest dividend
      $0.46 / share · ex Jul 30, 2026
      Raised 9.5%
      Paid (TTM)
      $1.84 / share · 4 payouts
      Dividend yield (TTM, derived)
      2.46%
      Buyback program · as of Jun 30, 2026
      Authorized
      $850.00M
      Spent (derived)
      $75.00M
      Remaining
      $775.00M
      Spent Remaining

      Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

      Key facts CIK 759944 CUSIP 174610105 13F (30d) 1018 filings 959 filers Visit website Investor relations

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