CFG
Citizens Financial Group, Inc.
NYSEUSDEQUITY
Financial Services
DELAYED
Neutral
-7/100
Last price
64.09
▼ 0.22 (0.34%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
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H —
L —
Range —
Vol —
vs
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Open
64.32
Prev close
64.31
Day high
64.77
Day low
63.73
Volume
4.24M
Market cap
$26.99B
P/E (TTM)
14.02
52W range
47.96 – 75.33
Day trading desk
Gap from prior close
+0.02%
Prior close 64.31
VWAP
63.99
+0.16% from price
Relative volume
3.54×
Unusually busy
Session range
1.62%
63.73 – 64.76
Position in range
35%
Mid range
ATR (14D)
1.21
1.89% of price
Prior day high
64.97
PDH
Prior day low
63.92
PDL
Bid / ask spread
—
Quote not published
Session volume
13.89M
Avg 3.92M
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
+0.31%
-1.6%
1M
-9.45%
-10.6%
3M
-6.52%
-11.0%
6M
+4.04%
-14.1%
YTD
+9.72%
-4.5%
1Y
+19.08%
+2.7%
3Y
+139.14%
+56.9%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on CFG open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
-64.04K
Net selling
Buy transactions
35
71.38K shares
Sell transactions
2
135.42K shares
Net transactions
+37
Buys less sells
Sell : buy shares
1.9 : 1
Mixed
Insider-held shares
3.00M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Aug 13, 26 | CUMMING CHRISTINE M Director |
STOCK | 268 | $0 | Direct |
| Aug 13, 26 | CUMMINGS KEVIN Director |
STOCK | 134 | $0 | Direct |
| Aug 13, 26 | SWIFT CHRISTOPHER J Director |
STOCK | 162 | $0 | Direct |
| Aug 13, 26 | SIEKERKA MICHELE N Director |
STOCK | 134 | $0 | Direct |
| Aug 13, 26 | LEARY ROBERT G Director |
STOCK | 208 | $0 | Direct |
| Aug 13, 26 | LILLIS TERRANCE J Director |
STOCK | 246 | $0 | Direct |
| Aug 13, 26 | ZURAITIS MARITA Director |
STOCK | 268 | $0 | Direct |
| Aug 13, 26 | ATKINSON TRACY A Director |
STOCK | 78 | $0 | Direct |
| Aug 13, 26 | ALEXANDER LEE Director |
STOCK | 162 | $0 | Direct |
| Aug 13, 26 | WADE CLAUDE E. Director |
STOCK | 47 | $0 | Direct |
| Aug 13, 26 | KELLY EDWARD J. III Director |
STOCK | 246 | $0 | Direct |
| Jul 24, 26 | VAN SAUN BRUCE W Chief Executive Officer |
STOCK | 38.35K | $0 | Direct |
| Jul 24, 26 | VAN SAUN BRUCE W Chief Executive Officer |
SELL | 129.37K | $9.32M | Direct |
| May 14, 26 | CUMMING CHRISTINE M Director |
STOCK | 323 | $0 | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
COUGHLIN BRENDAN |
President | 284.93K | Stock Award(Grant) |
CUMMINGS KEVIN |
Director | 531.87K | Stock Award(Grant) |
JOHNSON ELIZABETH S |
Officer | 195.89K | Stock Award(Grant) |
LAMONICA SUSAN |
Officer | 165.97K | Sale |
MCCREE DONALD H III |
Officer | 396.69K | Stock Award(Grant) |
RUTTLEDGE MICHAEL |
Chief Technology Officer | 141.60K | Stock Award(Grant) |
STEIN RICHARD L |
Officer | 89.55K | Stock Award(Grant) |
SWIMMER THEODORE C |
Officer | 109.34K | Stock Award(Grant) |
VAN SAUN BRUCE W |
Chief Executive Officer | 1.12M | Stock Gift |
WOODS JOHN F |
Chief Financial Officer | 350.81K | Stock Award(Grant) |
Fundamentals
Market cap$26.99B
Enterprise value$31.59B
Revenue (TTM)$8.16B
Gross profit$8.16B
EBITDA—
Net income$1.98B
EPS (TTM)$4.57
Free cash flow—
Total cash$13.87B
Total debt$16.35B
Book value / share$56.95
Shares outstanding421.18M
Float417.04M
Short % of float4.65%
Dividend yield2.86%
Beta (5Y)1.06
Valuation & profitability ratios
Trailing P/E14.02
Forward P/E9.80
PEG ratio1.65
Price / sales—
Price / book1.13
EV / revenue3.87
EV / EBITDA—
Gross margin0.00%
Operating margin35.13%
Profit margin26.05%
Return on equity8.27%
Return on assets0.94%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $8.25B | $7.81B | $8.22B | $8.02B | +5.6% |
| Operating revenue | $8.25B | $7.81B | $8.22B | $8.02B | +5.6% |
| Selling, general & admin | $3.12B | $2.99B | $2.95B | $2.81B | +4.4% |
| Pre-tax income | $2.33B | $1.89B | $2.03B | $2.65B | +23.3% |
| Tax provision | $497.00M | $379.00M | $422.00M | $582.00M | +31.1% |
| Net income | $1.83B | $1.51B | $1.61B | $2.07B | +21.3% |
| Net income to common | $1.69B | $1.37B | $1.49B | $1.96B | +23.0% |
| Basic EPS | 3.90 | 3.05 | 3.14 | 4.12 | +27.9% |
| Diluted EPS | 3.86 | 3.03 | 3.13 | 4.10 | +27.4% |
| Basic shares | 433.17M | 450.68M | 475.09M | 475.96M | -3.9% |
| Diluted shares | 436.89M | 453.51M | 476.69M | 477.80M | -3.7% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $13.69B | $11.24B | $12.03B | $10.85B | — | +21.8% |
| Accounts receivable | — | — | — | — | $506.00M | — |
| Property, plant & equipment | $915.00M | $875.00M | $895.00M | $844.00M | — | +4.6% |
| Goodwill & intangibles | $8.30B | $8.33B | $8.35B | $8.37B | — | -0.4% |
| Total assets | $226.35B | $217.52B | $221.96B | $226.73B | — | +4.1% |
| Current debt | $2.05B | $1.99B | $505.00M | $3.00M | — | +3.0% |
| Long-term debt | $9.23B | $10.41B | $13.47B | $15.89B | — | -11.3% |
| Total debt | $11.28B | $12.40B | $13.97B | $15.89B | — | -9.0% |
| Total liabilities | $200.03B | $193.27B | $197.62B | $203.04B | — | +3.5% |
| Retained earnings | $11.35B | $10.41B | $9.82B | $9.16B | — | +9.0% |
| Shareholder equity | $26.32B | $24.25B | $24.34B | $23.69B | — | +8.5% |
| Net tangible assets | $18.02B | $15.92B | $16.00B | $15.32B | — | +13.2% |
| Shares issued | 652.24M | 650.07M | 647.83M | 645.22M | — | +0.3% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $1.83B | $1.51B | $1.61B | $2.07B | +21.3% |
| Depreciation & amortisation | $478.00M | $498.00M | $478.00M | $565.00M | -4.0% |
| Stock-based compensation | $120.00M | $97.00M | $87.00M | $84.00M | +23.7% |
| Change in working capital | -$306.00M | -$571.00M | $273.00M | -$858.00M | +46.4% |
| Operating cash flow | $2.21B | $2.00B | $2.96B | $4.12B | +10.5% |
| Capital expenditure | -$174.00M | -$122.00M | -$172.00M | -$126.00M | -42.6% |
| Investing cash flow | -$5.97B | $2.99B | $5.25B | -$12.64B | -299.8% |
| Share buybacks | -$1.00B | -$1.35B | -$906.00M | -$153.00M | +25.9% |
| Dividends paid | -$888.00M | -$903.00M | -$928.00M | -$892.00M | +1.7% |
| Financing cash flow | $5.88B | -$6.01B | -$7.13B | $9.91B | +197.8% |
| Free cash flow | $2.04B | $1.88B | $2.79B | $3.99B | +8.4% |
| End cash position | $12.73B | $10.60B | $11.63B | $10.55B | +20.1% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $2.28B | $2.17B | $2.16B | $2.12B | $2.04B | +5.3% |
| Operating revenue | $2.28B | $2.17B | $2.16B | $2.12B | $2.04B | +5.3% |
| Selling, general & admin | $826.00M | $829.00M | $802.00M | $781.00M | $764.00M | -0.4% |
| Pre-tax income | $755.00M | $650.00M | $677.00M | $629.00M | $554.00M | +16.2% |
| Tax provision | $168.00M | $133.00M | $149.00M | $135.00M | $118.00M | +26.3% |
| Net income | $587.00M | $517.00M | $528.00M | $494.00M | $436.00M | +13.5% |
| Net income to common | $554.00M | $484.00M | $489.00M | $457.00M | $402.00M | +14.5% |
| Basic EPS | 1.31 | 1.14 | 1.14 | 1.06 | 0.93 | +14.9% |
| Diluted EPS | 1.30 | 1.13 | 1.13 | 1.05 | 0.92 | +15.0% |
| Basic shares | 422.87M | 425.34M | 429.48M | 431.37M | 433.64M | -0.6% |
| Diluted shares | 426.68M | 429.89M | 434.08M | 435.47M | 436.54M | -0.7% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $13.87B | $13.16B | $13.69B | $12.34B | $9.23B | +5.4% |
| Property, plant & equipment | $873.00M | $874.00M | $915.00M | $857.00M | $855.00M | -0.1% |
| Goodwill & intangibles | $8.32B | $8.33B | $8.30B | $8.31B | $8.32B | -0.1% |
| Total assets | $233.84B | $227.92B | $226.35B | $222.75B | $218.31B | +2.6% |
| Current debt | $1.66B | $2.04B | $2.05B | $2.20B | $2.24B | -18.8% |
| Long-term debt | $14.69B | $10.27B | $9.23B | $8.45B | $10.54B | +43.0% |
| Total debt | $16.35B | $12.31B | $11.28B | $10.65B | $12.78B | +32.8% |
| Total liabilities | $207.65B | $201.75B | $200.03B | $196.92B | $193.08B | +2.9% |
| Retained earnings | $11.99B | $11.63B | $11.35B | $11.06B | $10.78B | +3.1% |
| Shareholder equity | $26.18B | $26.17B | $26.32B | $25.83B | $25.23B | +0.0% |
| Net tangible assets | $17.86B | $17.84B | $18.02B | $17.52B | $16.92B | +0.1% |
| Shares issued | 422.68M | 653.83M | 652.24M | 652.11M | 651.91M | -35.4% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Net income | $587.00M | $517.00M | $528.00M | $494.00M | $436.00M | — | +13.5% |
| Depreciation & amortisation | $99.00M | $113.00M | $112.00M | $119.00M | $124.00M | — | -12.4% |
| Stock-based compensation | $49.00M | $33.00M | $23.00M | $23.00M | $43.00M | — | +48.5% |
| Change in working capital | -$116.00M | -$326.00M | -$628.00M | $670.00M | $188.00M | — | +64.4% |
| Operating cash flow | $726.00M | $237.00M | -$158.00M | $1.70B | $886.00M | — | +206.3% |
| Capital expenditure | — | — | -$92.00M | -$35.00M | -$33.00M | -$14.00M | — |
| Investing cash flow | -$5.46B | -$1.80B | -$1.93B | -$1.50B | -$1.43B | — | -203.1% |
| Share buybacks | -$225.00M | -$300.00M | -$525.00M | -$75.00M | -$200.00M | — | +25.0% |
| Dividends paid | -$231.00M | -$236.00M | -$233.00M | -$217.00M | -$218.00M | — | +2.1% |
| Financing cash flow | $5.17B | $1.17B | $3.17B | $2.90B | -$2.45B | — | +342.2% |
| Free cash flow | $705.00M | $237.00M | -$250.00M | $1.66B | $853.00M | — | +197.5% |
| End cash position | $12.76B | $12.33B | $12.73B | $11.65B | $8.55B | — | +3.5% |
Options analytics
Put / call volume
0.06
Call-heavy session
Put / call open interest
7.84
Positioning, not flow
Max pain
52.50
-18.1% from spot
ATM implied vol
3.1%
Nearest strike to spot
Skew (10% OTM)
0.0%
Calls bid over puts
Call volume
780
Contracts, this expiry
Put volume
48
Contracts, this expiry
Heaviest call OI
52.50
41 contracts
Heaviest put OI
52.50
433 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 1.25 | 1.30 | +4.4% |
| Mar 2026 | 1.09 | 1.13 | +3.7% |
| Dec 2025 | 1.11 | 1.13 | +2.2% |
| Sep 2025 | 1.03 | 1.05 | +2.3% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 1.39 | 14 | $2.34B | +10.4% |
| Next quarter | 1.48 | 14 | $2.39B | +10.9% |
| Current year | 5.29 | 15 | $9.18B | +11.3% |
| Next year | 6.53 | 15 | $9.97B | +8.6% |
Analyst targets & ownership
Mean target$79.26
High target$89.00
Low target$70.00
Implied upside23.68%
Analyst count17
ConsensusBUY
Strong buy / Buy5 / 10
Hold3
Sell / Strong sell0 / 0
Held by insiders0.71%
Held by institutions100.21%
Institutions holding1.51K
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
64.38
-0.44% from price
SMA 20
66.41
-3.49% from price
SMA 50
69.52
-7.82% from price
SMA 100
68.43
-6.34% from price
SMA 200
65.21
-1.71% from price
EMA 12
65.00
-1.40% from price
EMA 26
66.65
-3.84% from price
EMA 50
67.91
-5.63% from price
RSI (14)
33.3
Neutral
MACD (12,26,9)
-1.65
Hist -0.08
ATR (14)
1.21
1.89% of price
Realised vol 30D
21.4%
Annualised
Bollinger upper
71.20
20, 2σ
Bollinger lower
61.61
20, 2σ
50 / 200 cross
Golden
69.52 vs 65.21
Trend bias
Below 200
-1.71%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.99
Less volatile than market
Correlation to SPY
0.48
Loosely linked
Realised vol 30D
21.4%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-18.3%
Peak to trough
Max drawdown 5Y
-59.4%
Peak to trough
ATR 14
1.21
1.89% of price
Beta (reported)
1.06
5Y monthly, from filing
Short interest
Shares short
16.97M
Prior 15.74M
Change vs prior
+7.8%
Shorts adding
% of float
4.65%
Normal
% of shares out
4.03%
Against total outstanding
Days to cover
5.4
Crowded exit
Float
417.04M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Oct 5, 26 | UBS | MAINTAINED | Buy | Buy |
| Oct 2, 26 | JP Morgan | MAINTAINED | Overweight | Overweight |
| Oct 1, 26 | Evercore ISI Group | MAINTAINED | Outperform | Outperform |
| Sep 28, 26 | Morgan Stanley | MAINTAINED | Overweight | Overweight |
| Sep 23, 26 | Truist Securities | MAINTAINED | Hold | Hold |
| Aug 19, 26 | Cantor Fitzgerald | MAINTAINED | Overweight | Overweight |
| Jul 29, 26 | JP Morgan | MAINTAINED | Overweight | Overweight |
| Jul 21, 26 | Truist Securities | MAINTAINED | Hold | Hold |
| Jul 20, 26 | Citigroup | MAINTAINED | Buy | Buy |
| Jul 17, 26 | DA Davidson | MAINTAINED | Buy | Buy |
| Jul 17, 26 | Stephens & Co. | MAINTAINED | Equal-Weight | Equal-Weight |
| Jul 17, 26 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
Dividends & splits
Forward rate$1.84 / yr
Forward yield2.86%
5-year avg yield3.83%
Payout ratio39.22%
Ex-dividend dateJul 30, 2026
Next pay dateAug 13, 2026
Last split—
Split date—
SEC filings
Periodic Financial Reports
10-Q · 2026-08-03
Corporate Changes & Voting Matters
8-K · 2026-07-31
Corporate Changes & Voting Matters
8-K · 2026-07-16
Periodic Financial Reports
10-Q · 2026-05-04
Corporate Changes & Voting Matters
8-K · 2026-04-24
Corporate Changes & Voting Matters
8-K · 2026-04-16
Proxy Statements
DEF 14A · 2026-03-09
Periodic Financial Reports
10-K · 2026-02-12
Headlines
Citizens Financial Group to Participate at the BancAnalysts Association of Boston Conference
Business Wire · 12h ago
Autonomous Research Adjusts Price Target on Citizens Financial to $74 From $76, Maintains Outperform Rating
MT Newswires · 15h ago
Citizens Reinforces Workforce Development Commitment as New Research Highlights Growing Demand for Skills Development and Workforce Pathways
Business Wire · 17h ago
NACD New England Welcomes Five New Board Members
Business Wire · 2d ago
Goldman Sachs Adjusts Citizens Financial Group PT to $81 From $84, Maintains Buy Rating
MT Newswires · 2d ago
A Las Vegas Theater Chain Put $1,000 on Kalshi Against Hollywood. Here’s How the Hedge Would Pay Off
24/7 Wall St. · 4d ago
JPMorgan Adjusts Price Target on Citizens Financial Group to $72.50 From $78, Keeps Overweight Rating
MT Newswires · 5d ago
Evercore ISI Adjusts Citizens Financial Price Target to $78 From $85, Maintains Outperform Rating
MT Newswires · 6d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.