Citizens Financial Group, Inc. (CFG)

Citizens Financial Group's stock has shown an increase of 1.47% over the last six months and a 15.07% rise in the past month as of July 2025. In Q1 2025, the company reported EPS of $0.77, surpassing expectations, and announced an agreement to sell non-core education loans. In Q2 2025, the company reported EPS of $0.92, exceeding expectations, driven by strong performance in net interest income and fee income. Analysts have shown positive sentiment, with increasing price targets and upgrades from firms like Evercore ISI Group. The company increased its common share repurchase authorization to $1.5 billion and announced a quarterly dividend of $0.42 per share.

Citizens Financial Group's products and services experience some demand seasonality, impacting non-interest income and deposit flows. Non-interest income, including capital markets and card fees, can be subject to seasonal impacts. The first quarter is typically a seasonally down quarter for deposits, though Citizens has shown an ability to grow deposits even in these periods. Management has noted periods of low demand for business loans, but anticipates a resumption of modest net loan growth.

Citizens Financial Group, Inc. operates in the financial sector, offering retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations, and institutions. The Consumer Banking segment provides deposit products, lending, credit cards, and wealth management services, emphasizing accessibility through digital channels. The Commercial Banking segment offers financial solutions such as lending, treasury management, foreign exchange, and corporate finance services, serving various industries and organizations.

Citizens Financial Group operates across 14 states, primarily in the Northeastern, Mid-Atlantic, and Midwestern United States, including Connecticut, Delaware, Florida, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, Virginia, and Washington, D.C. As of August 31, 2023, the company operated 1,078 branches and over 3,200 ATMs under the Citizens Bank brand.

Citizens Financial Group maintains a strong brand reputation, recognized for its customer service and as an employer, with Forbes including it in various lists. However, a settlement with the CFPB in May 2023, related to billing errors affecting a small subset of credit card customers, impacted its reputation. Citizens self-identified these errors in 2015, reported them to the CFPB, and voluntarily began remediation efforts, which were completed shortly after discovery.

Citizens Financial Group has a diverse ownership structure, with institutional investors holding a significant majority of the company's stock, approximately 93.88% to 96.23%. Major institutional owners include Vanguard Group Inc., BlackRock, Inc., and Capital World Investors. Individual investors own a smaller percentage of the company's shares, typically around 4.79% to 11.48%. Company insiders also hold a portion of the shares, with some recent insider selling activity observed.