CITIZENS FINANCIAL GROUP INC/RI
At today's price, CITIZENS FINANCIAL GROUP INC/RI (CFG) is priced for 13.5% return on equity. boothcheck doesn't publish a fair value or a price target; it shows what the price assumes, so you can judge whether that bar is too high. Built from SEC EDGAR filings.
A bank is worth the return it earns on its capital, so CFG is priced off book value, not an operating multiple. At $67.04 the stock trades near 1.2x book, which prices a return on equity above the elite tier sustained long term, against a recent record that has been improving toward but not yet at that level. The earnings trajectory is the key fact. Q1 2026 ROTCE reached 12.2%, up from 11.20% for full-year 2025 and 9.81% in 2024, with net interest margin expanding to 3.14% and management guidin
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984 institutional managers reported holding CFG in 13F filings for the quarter ended 2026-03-31. Together they hold about 92% of the company; the top 10 hold 50%. 123 opened new positions that quarter. Held by Vanguard Group, BlackRock, Capital Group (American Funds), among others. On the short side, 16.0M shares were sold short as of the 2026-06-15 count, about 4% of shares outstanding (3.5 days of typical volume to cover).
Quarterly 13F filings arrive up to 45 days after quarter end, so the picture is never current (filed through 2026-05-29). Nothing here is investment advice.
CFG's share count is about flat over the past five years ($3.21B of repurchases, offset by issuance). It pays a dividend, and has paid one every year in our records (13 and counting); the current rate is $1.72 a share annually. Cash returned over the past three years: $2.12B in dividends and $2.19B in repurchases.
Share counts are split-adjusted; repurchase totals are gross of share issuance. Nothing here is investment advice.
Open-market insider buys at CFG over the trailing three years: 2023: 1 buy totaling $23k. 27 officers and directors are on file.
Code P open-market purchases from SEC Form 4 filings, non-derivative, excluding scheduled 10b5-1 plans. Nothing here is investment advice.
CFG's recent reports: the day-one move, then what the following quarter actually did.
| report | day one | next quarter |
|---|---|---|
| 2023-08-09 | +7.3% | -12.6% |
| 2023-11-07 | -8.2% | +29.1% |
| 2024-02-17 | -0.6% | +7.7% |
| 2024-05-07 | +0.4% | +2.0% |
Day-one is the close-to-close move around the filing. Nothing here is investment advice.
CFG's latest 8-K filings: 2026-07-16 (items 2.02, 7.01, 9.01); 2026-04-24 (items 5.07); 2026-04-16 (items 2.02, 7.01, 9.01); 2026-01-29 (items 8.01, 9.01); 2026-01-22 (items 8.01, 9.01).
Item codes are the SEC's own classification of what each report discloses. Nothing here is investment advice.
Last analyzed: June 27, 2026
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For informational and research purposes only. Not investment advice. Not a recommendation to buy, sell, or hold any security. boothcheck is not a registered investment adviser. Past performance does not guarantee future results.