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Citizens Financial Group

CFG
54
Banks - Regional · Financial Services
Also trades as: 0HYP.L GBP 0.65 (+0.60%)
Price
$65.24
+0.36 (+0.55%)
Market Cap
$27.48B
Winston Score
54
Winston is curious
Mixed quality — meaningful strengths and weaknesses.
Data as of Oct 23, 2026 · filings through Sep 30, 2026

§How the score breaks down

Bank Quality
Mixed
13/30
Growth
Strong
15/20
Capital Strength
Exceptional
9/10
Asset Quality
Good
5/10
Valuation
Strong
7/10
Ownership
Weak
2/15
Dividends
Good
3/5

54 of 100 counted points = Winston Score 54.

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Share count rising — dilution

+1.9% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 427.4M (2021) → 435.5M (2025)

§Winston Score History

The full picture

Citizens Financial Group is a large regional bank based in Providence, Rhode Island. It offers everyday banking services like checking accounts, savings accounts, mortgages, car loans, and credit cards to regular people, as well as loans and financial advice to businesses. It operates branches mainly across the northeastern and midwestern United States, with a growing presence in other regions.

Citizens makes money by charging interest on loans and collecting fees for banking services. It has roughly 1,000 branches and serves millions of customers, making it one of the larger regional banks in the country. Regional banks like Citizens sit between small community banks and giant national banks like JPMorgan Chase, which means they face competition from both sides. The key risk Citizens faces is interest rate sensitivity — when rates shift, the gap between what it earns on loans and what it pays on deposits can shrink, putting pressure on profits.

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Score breakdown

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Bank Quality

Return on owners' money
Return on Equity
8.0%
no trend
Weak — 8.0% return on equity

Standard mid-range return on equity. Acceptable.

Profit on lending
Net Interest Margin
3.22%
no trend
Wide spread — 3.22% net interest margin
Cost of running the bank
Efficiency Ratio
61.4%
no trend
Average — 61.4% efficiency ratio

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Growth

Sales growth
Sales YoY
-3.1%
Shrinking sales (-3.1% YoY)
Profit growth
EPS YoY
+38.9%
Earnings growing fast (+38.9% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is
EPS Consistency
8/8 quarters
Every recent quarter grew earnings vs last year

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Capital Strength

Safety cushion
Capital Ratio
12.1%
no trend
Fortress balance sheet — 12.1% CET1

A strong capital cushion. This bank is well padded against a bad year.

Asset Quality

Loans not being repaid
Non-Performing Loans
1.48%
no trend
Some stress — 1.48% non-performing loans

Between 1% and 2% of loans are struggling. Worth watching, but not alarming.

Loans written off
Net Charge-Offs
0.38%
no trend
Moderate — 0.38% net charge-offs

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Valuation

Price vs profit
P/E Ratio (TTM)
13.0x
Attractive valuation — P/E 13.0

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year
P/E vs Forward
+2.4
GROWING
Earnings expected to grow — slightly cheaper on forward P/E

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Dividends

Dividend
Dividend Yield
2.87%
Moderate income — 2.87% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend record
Dividend Growth
+9.5%
Dividend growing modestly (9.5% YoY)
Payout Ratio
40%
no trend
Pays out a modest share of profit and keeps the rest to reinvest. Room to keep paying through a weak year.

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