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Citizens Financial Group, Inc. (CFG) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated today

Citizens Financial Group, Inc.

CFGMarket cap $27BPrice $64.1

Country🇺🇸United States

SectorFinancials

IndustryBanks

Runs one of the largest regional banks in the US, serving millions through retail branches, commercial lending, and wealth management. Born from the 2014 RBS spinoff, it's now a major player betting big on Northeast and Midwest growth.

In Bastion Portfolios?

52W Return+33%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+0%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+12%–

Rev CAGR (5y)+5%5

Earnings Forecast

EPS Growth Y+1+39%9

EPS Growth Y+2+20%8

EPS Growth Y+3+15%7

Quality

Margins

EBIT Margin0%4

Net Income Margin26%8

Free Cash Flow Margin29%9

Debt

Net Debt/EBITDAna–

Efficiency

ROE8%4

ROA1%3

Earnings Stability44

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)118

P/E Ratio (Forward 3y)99

P/BV1.19

EV Multiples

EV/EBITDA Fwd08

EV/EBIT Fwd08

Yield

Free Cash Flow Yield0.0%8

Dividend Yield2.9%7

Momentum

Short term

1 month return-9%3

3 month return-10%3

YTD return+12%7

Mid term

Price vs 52wHigh85%6

1 year return+24%7

Long term

3 year return+176%9

5 year return+62%6

Risk Shield

Price Risk

Beta1.13

Volatility27%8

Free Cash Flow

Free Cash Flow Margin29%9

Free Cash Flow Yield0.0%8

Quality

ROCE6%3

Earnings Stability44

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

CFGCitizens Financial Group

Revenue FY25$8.2B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+0%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+12%–

Revenue, next 5Y, CAGR+5%5

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+39%9

EPS growth, FY27E+20%8

EPS growth, FY28E+15%7

GROWTH ASSESSMENT

STRENGTHS

Revenue held flat over the last 3 years and is set to grow 12%/yr from here.

Earnings are set to grow faster than sales (EPS about 20%/yr vs revenue 12%/yr), so margins should widen.

WATCH

Revenue is set to grow 12%/yr over the next 3 years, in line with the market.5/10

Over five years revenue is set to grow 5%/yr, about average versus companies worldwide.5/10

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's speeding up. The one thing to watch: forward revenue growth is only about average.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE49 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-9%3

3-month return-10%3

YTD return+12%7

MID & LONG-TERM▾SCORE

% of 52-week high85%6

1-year return+24%7

3-year return+176%9

5-year return+62%6

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +176% over three years and +62% over five, ahead of 70% of the market.

It's up 24% over the past year, but 15% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming so far this year (+12%).

WATCH

None flagged.

WEAKNESSES

The stock is underperforming over the past month (-9%) and over three months (-10%).

BOTTOM LINE

Long-Term Winner, Cooling Off

Multi-year returns are elite even though the latest weeks are quieter. Often a quality compounder taking a breather rather than breaking down. The one thing to watch: the stock is underperforming over the past month and over three months.

04Value

Are you paying a fair price for it?

Stop guessing on Citizens. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

CFGCitizens Financial Group

Revenue FY25$8.2B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+0%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+12%–

Revenue, next 5Y, CAGR+5%5

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+39%9

EPS growth, FY27E+20%8

EPS growth, FY28E+15%7

GROWTH ASSESSMENT

STRENGTHS

Revenue held flat over the last 3 years and is set to grow 12%/yr from here.

Earnings are set to grow faster than sales (EPS about 20%/yr vs revenue 12%/yr), so margins should widen.

WATCH

Revenue is set to grow 12%/yr over the next 3 years, in line with the market.5/10

Over five years revenue is set to grow 5%/yr, about average versus companies worldwide.5/10

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's speeding up. The one thing to watch: forward revenue growth is only about average.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE49 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-9%3

3-month return-10%3

YTD return+12%7

MID & LONG-TERM▾SCORE

% of 52-week high85%6

1-year return+24%7

3-year return+176%9

5-year return+62%6

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +176% over three years and +62% over five, ahead of 70% of the market.

It's up 24% over the past year, but 15% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming so far this year (+12%).

WATCH

None flagged.

WEAKNESSES

The stock is underperforming over the past month (-9%) and over three months (-10%).

BOTTOM LINE

Long-Term Winner, Cooling Off

04Value

Are you paying a fair price for it?

Stop guessing on Citizens. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community