Citizens Financial Group, Inc. (CFG)

Citizens Financial Group's stock has shown strong performance, outperforming the wider regional banking space and the S&P 500 in 2025. The company's shares have returned over 30% since summer 2025. Key events impacting CFG's stock price include a Q3 2025 earnings beat, upcoming Q4 and full year 2025 earnings, analyst rating changes, a prime rate change, strategic initiatives and growth presentations, and overall stock performance with a 52-week high of $62.16 and a closing price of $60.20 as of January 12, 2026.

Direct information specifically detailing the demand seasonality for Citizens Financial Group's overall products and services was not found. However, as a diversified financial institution, demand for certain services may exhibit seasonal patterns typical of the banking industry. For example, mortgage lending might see increased activity in warmer months, while student loan applications typically peak around academic cycles. Business lending and capital markets activities could be influenced by economic cycles and corporate budgeting periods.

Citizens Financial Group, Inc. operates in the Financials sector, offering retail and commercial banking products and services. Its major products and services are categorized into Consumer Banking and Commercial Banking. In Consumer Banking, Citizens provides deposit products, mortgage and home equity lending, credit cards, small business loans, education loans, auto financing, point-of-sale finance loans, wealth management, and investment services. The Commercial Banking segment offers lending and leasing, deposit and treasury management services, foreign exchange, interest rate and commodity risk management solutions, loan syndication, corporate finance, merger and acquisition (M&A) advisory, and debt and equity capital markets capabilities. Citizens also has a notable market share in the Property, Casualty, and Direct Insurance industry.

Citizens Financial Group, Inc. operates through its bank, Citizens Bank, N.A., across 14 states and Washington, D.C. As of August 31, 2023, it maintained 1,078 branches and over 3,200 ATMs. The states where it has a presence include Connecticut, Delaware, Florida, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, and Virginia. The company has expanded its footprint through strategic acquisitions, such as Investors Bancorp, Inc. in April 2022 and 80 HSBC branches in various states.

Citizens Financial Group has received recognition for its performance and strategic direction, including being named one of Fortune's "World's Most Admired Companies" in February 2023 and "U.S. Bank of the Year" by The Banker in 2022. However, customer sentiment, as measured by its Net Promoter Score (NPS), indicates areas for improvement, with an NPS of -68 and 82% of customers categorized as Detractors. Recent surveys conducted by Citizens also highlight its engagement with customer needs and business sentiment.

Citizens Financial Group, Inc. is predominantly owned by institutional investors, who collectively control over 93% of the company's shares as of July 2025. Major institutional owners include The Vanguard Group Inc., BlackRock, Inc., Capital World Investors, Invesco Ltd., and State Street Corp. Individual insider ownership accounts for a smaller percentage, approximately 0.96% of total shares outstanding as of January 6, 2026. Key individual insider holders include Bruce Van Saun, Kevin Cummings, and John F Woods.