Citizens Financial Group, Inc. operates as the bank holding company that provides retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations, and institutions in the United States. The company operates through two segments, Consumer Banking and Commercial Banking. The Consumer Banking segment offers deposit products, mortgage and home equity lending products, credit cards, business loans, and wealth management services; and education and point-of-sale finance loans, as well as digital deposit products. This segment serves its customers through telephone service centers, as well as through its online and mobile platforms. The Commercial Banking segment provides various financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange, and interest rate and commodity risk management solutions, as well as syndicated loans, corporate finance, mergers and acquisitions, and debt and equity capital markets services. The company serves customers and small businesses, high- and ultra-high-net-worth individuals and families, as well as investors, entrepreneurs, and companies and institutions, as well as multifamily, office, industrial, retail, healthcare, and hospitality sectors. The company was formerly known as RBS Citizens Financial Group, Inc. and changed its name to Citizens Financial Group, Inc. in April 2014. Citizens Financial Group, Inc. was founded in 1828 and is headquartered in Providence, Rhode Island.
Market Valuation | Barclays maintains an Equal Weight rating with price targets ranging from $49 to $56, reflecting cautious optimism despite the challenging interest rate environment affecting net interest income. |
Asset Quality Trends | Explore how Citizens' 12% reduction in criticized loans and 20% decrease in commercial real estate exposure strengthens its risk profile and positions it for future growth opportunities. |
Strategic Efficiency | Delve into CFG's "Reimagine the Bank" initiative, a transformative program expected to deliver over $400 million in benefits through operational optimization and portfolio management. |
Resilient Banking | Citizens Financial Group demonstrates resilience amid interest rate challenges, balancing strategic initiatives with operational efficiency while maintaining solid fundamentals despite market headwinds. |

Metrics to compare | CFG | Sector Sector - Average of metrics from a broad group of related Financials sector companies | Relationship RelationshipCFGPeersSector | |
|---|---|---|---|---|
P/E Ratio | 16.4x | 12.6x | 9.9x | |
PEG Ratio | 0.59 | 0.58 | 0.03 | |
Price / Book | 1.1x | 1.0x | 1.0x | |
Price / LTM Sales | 3.6x | 3.7x | 2.9x | |
Upside (Analyst Target) | 13.2% | 10.8% | 14.5% | |
Fair Value Upside | Unlock | 11.3% | 1.7% | Unlock |