Citizens Financial Group, Inc. (CFG)

Citizens Financial Group's (CFG) stock price has experienced fluctuations in the past six months. As of June 25, 2025, the stock was down 1.65% over the last six months, but it had risen by 10.54% over the last month. The 52-week high for CFG stock was $49.25, reached on November 25, 2024, while its 52-week low was $32.60, recorded on April 4, 2025. For the first quarter of 2025, Citizens Financial Group reported net income of $373 million and an EPS of $0.77, surpassing the consensus estimate of $0.75. Fees were down 3.5% quarter-over-quarter, primarily due to seasonality and uncertain market conditions impacting Capital Markets, although wealth fees and foreign exchange and derivatives revenue showed strong growth. Expenses increased by 1.7% linked-quarter, mainly reflecting seasonal impacts. In the fourth quarter of 2024, fees were up 5.6% linked-quarter, driven by improvements in capital markets. The company also announced an increase in its common share repurchase authorization to $1.5 billion in June 2025.

Demand seasonality impacts Citizens Financial Group's products and services, particularly in its capital markets and commercial banking segments. Capital markets fees can be affected by seasonality, with lower M&A and loan syndication activity observed in certain quarters. The fourth quarter can see strong loan syndication activity and a pickup in M&A, benefiting from seasonality. Commercial deposits and mortgage fees can also experience seasonal decreases.

Citizens Financial Group, Inc. operates as a bank holding company within the Financials sector, specifically in the Banking industry, focusing on Major Banks. The company delivers a comprehensive suite of retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations, and institutions. The Consumer Banking segment offers deposit and checking accounts, savings accounts, mortgage loans, home equity loans, personal loans, auto loans, credit cards, student loans, education finance, point-of-sale finance loans, business loans for small businesses, wealth management, investment services, and trust and estate services. The Commercial Banking segment provides commercial lending, treasury management services, capital markets solutions, advisory services, foreign exchange, interest rate and commodity risk management solutions, syndicated loans, corporate finance, mergers and acquisitions, and debt and equity capital markets services.

Citizens Financial Group primarily operates across 14 states and Washington, D.C., with a significant concentration in the Northeastern, Mid-Atlantic, and Midwestern United States. As of December 31, 2024, the company maintained approximately 1,000 branches and 3,000 ATMs. Its network spans states including Connecticut, Delaware, Florida, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, and Virginia.

Citizens Financial Group has emphasized its commitment to ESG initiatives, including reducing its carbon footprint and supporting community development. The company also focuses on enhancing customer experience and expanding its digital capabilities. A settlement with the CFPB in May 2023 resolved a complaint related to certain billing errors. As of May 22, 2025, Sustainalytics assessed Citizens Financial Group with a "Medium Risk" ESG Risk Rating. The Better Business Bureau (BBB) recorded 467 complaints closed for Citizens Financial Group in the last 12 months.

The ownership of Citizens Financial Group, Inc. is primarily distributed among institutional investors, who hold a significant portion of CFG's shares, accounting for 88.75% of the ownership. Individual investors own a smaller percentage, approximately 9.98%. Major institutional shareholders include Vanguard Group Inc, BlackRock, Inc., Capital World Investors, State Street Corp, Invesco Ltd., and Geode Capital Management, Llc. Company insiders also hold a portion of the company's shares, though this represents a smaller percentage (0.65%).