Citizens Financial Group Inc is a bank holding company headquartered in Providence, Rhode Island. Through its subsidiaries, it offers various retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations, and institutions. The group's reportable business segments are: Consumer Banking and Commercial Banking. The majority of its revenue is generated from the Consumer Banking segment, which serves consumer customers and small businesses, offering traditional banking products and services, including deposits, mortgage and home equity lending, credit cards, small business loans, education loans, point-of-sale finance loans, and wealth management solutions, among others, through a network of branches and ATMs.
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The chart shows the growth of an initial investment of $10,000 in Citizens Financial Group, Inc., comparing it to the performance of the S&P 500 index.
All prices have been adjusted for splits and dividends.
Citizens Financial Group, Inc. (CFG) has returned 4.33% so far this year and 82.06% over the past 12 months. Looking at the last ten years, CFG has achieved an annualized return of 11.09%, underperforming the Benchmark (SPY), which averaged 12.23% per year.
The table below presents the monthly returns of Citizens Financial Group, Inc. (CFG) with color gradation from worst to best to easily spot seasonal factors.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 7.73% | -4.49% | 1.39% | 0.23% | ||||||||
| 2025 | 8.16% | -0.80% | -10.74% | -9.29% | 9.08% | 11.40% | 6.76% | 10.83% | 3.42% | -4.49% | 6.54% | 8.31% |
| 2024 | -0.30% | -4.47% | 16.76% | -5.72% | 3.04% | 1.01% | 17.84% | 1.06% | -3.93% | 3.59% | 13.81% | -9.10% |
| 2023 | 9.67% | -2.88% | -26.89% | 1.08% | -13.84% | -0.15% | 22.52% | -11.15% | -5.47% | -12.18% | 16.24% | 21.97% |
| 2022 | 6.43% | 1.39% | -12.24% | -13.96% | 4.63% | -13.67% | 6.93% | -1.40% | -6.15% | 17.43% | 3.47% | -7.39% |
| 2021 | 1.17% | 18.01% | -0.76% | 4.94% | 6.46% | -9.53% | -9.04% | 3.33% | 7.14% | 0.32% | -1.38% | -2.64% |
| 2020 | -8.45% | -15.74% | -40.63% | 28.09% | 11.42% | 3.36% | -1.66% | 4.31% | -1.21% | 7.03% | 18.29% | 6.08% |
| 2019 | 15.26% | 8.39% | -12.68% | 10.30% | -9.95% | 8.87% | 4.11% | -8.98% | 6.09% | -1.43% | 8.03% | 5.07% |
| 2018 | 8.38% | -5.27% | -3.58% | -1.07% | -0.61% | -6.17% | 2.79% | 2.82% | -6.50% | -3.74% | -3.30% | -19.43% |
| 2017 | -0.74% | 2.27% | -10.07% | 5.98% | -7.81% | 4.11% | -2.26% | -6.33% | 13.79% | 1.28% | 6.52% | 2.64% |
| 2016 | 9.23% | 3.11% | -14.18% | 12.32% | 11.33% | -0.60% | 7.20% | 26.36% | 5.20% |
The charts below present risk-adjusted performance metrics for Citizens Financial Group, Inc. (CFG) and compare them to a Benchmark (SPY). These indicators evaluate an investment's returns against its associated risks.
The Sharpe ratio helps investors understand how much return they're getting for the level of risk taken. A higher Sharpe ratio indicates better risk-adjusted performance, meaning more reward for each unit of risk.
These values reflect how efficiently the investment has delivered returns relative to its volatility over different time periods. All figures are annualized and based on daily total returns.
The chart below shows the rolling Sharpe ratio of CFG compared to the benchmark. This view highlights how the investment's risk-adjusted performance has changed over time.
The current Citizens Financial Group, Inc. volatility is 1.65%, representing the standart deviation of percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.
The Drawdowns chart displays portfolio losses from any high point along the way. It shows the maximum percentage drop from a peak to a trough over a specified period, indicating the risk of significant losses.
Although chart shows positive values, it represents the percentage drop from the peak, so a value of 10% means the portfolio has dropped 10% from its highest point.
The income statement provides a summary of a company's revenues, expenses, and profits over a specific period. It shows how much money the company earned (revenues) and how much it spent (expenses), leading to the net income or profit. This statement is crucial for understanding a company's financial performance and profitability.
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Liabilities And Equity (USD) | 226.35B | 217.52B | 221.96B | 226.73B | 188.41B | 183.35B | 165.73B | 160.52B | 152.34B | 149.52B | 138.21B | 132.86B |
| Equity Attributable To Parent (USD) | 26.32B | 24.25B | 24.34B | 23.69B | 23.42B | 22.67B | 22.20B | 20.82B | 20.27B | 19.75B | 19.65B | 19.27B |
| Equity Attributable To Noncontrolling Interest (USD) | - | - | - | - | - | - | - | - | - | - | - | - |
| Equity (USD) | 26.32B | 24.25B | 24.34B | 23.69B | 23.42B | 22.67B | 22.20B | 20.82B | 20.27B | 19.75B | 19.65B | 19.27B |
| Long-term Debt (USD) | 11.22B | 12.40B | 13.47B | 15.89B | 6.93B | 8.35B | 14.05B | 14.43B | 11.77B | 12.79B | 9.89B | 4.64B |
| Noncurrent Liabilities (USD) | - | - | - | - | - | - | - | - | - | - | - | - |
| Current Liabilities (USD) | 200.03B | 193.27B | 197.62B | 203.04B | 164.99B | 160.68B | 143.53B | 139.70B | 132.07B | 129.77B | 118.56B | 113.59B |
| Liabilities (USD) | 200.03B | 193.27B | 197.62B | 203.04B | 164.99B | 160.68B | 143.53B | 139.70B | 132.07B | 129.77B | 118.56B | 113.59B |
| Fixed Assets (USD) | 915.00M | 875.00M | 895.00M | 844.00M | 768.00M | 759.00M | 761.00M | 791.00M | 685.00M | 601.00M | 595.00M | 595.00M |
| Noncurrent Assets (USD) | - | - | - | - | - | - | - | - | - | - | - | - |
| Current Assets (USD) | 226.35B | 217.52B | 221.96B | 226.73B | 188.41B | 183.35B | 165.73B | 160.52B | 152.34B | 149.52B | 138.21B | 132.86B |
| Assets (USD) | 226.35B | 217.52B | 221.96B | 226.73B | 188.41B | 183.35B | 165.73B | 160.52B | 152.34B | 149.52B | 138.21B | 132.86B |
The article compares current market volatility to 2008 and 2023, arguing that 2026 is more likely to resemble 2023's brief dip followed by recovery rather than a prolonged crisis. It highlights the John Hancock Financial Opportunities Fund (BTO), a closed-end fund focused on regional banks, as a buying opportunity trading at a discount to net asset value. The fund has delivered strong long-term returns (10.7% annualized over the last decade) and currently yields 7.7%.
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Citizens Financial reported strong Q2 earnings, with revenue up 4% year-over-year, net income rising 11%, and stock price climbing 5%. The bank demonstrated improved efficiency, asset quality, and positive financial outlook.
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HSBC plans to double the size of its Canadian private client business over the next few years, capitalizing on Canada's reputation for socioeconomic stability and growing pool of high-net-worth individuals. The bank aims to expand its private wealth management hubs and attract international clients, including new immigrants and those looking to invest in Canada.
Citizens Financial Group's Q3 earnings are expected to decline due to lower net interest income, but fee income is likely to provide support. The company's lending book may have been positively impacted by improvement in commercial loans, while subdued real estate loan demand could offset growth. Non-interest income is expected to rise, driven by higher mortgage banking fees and trust and investment services fees.
Citizens Financial (CFG) expands share repurchase plan by $656 million following the stress test results. Given the company's solid balance sheet and decent liquidity profile, this seems sustainable.
UBS Group (UBS) is setting up new units to transform its wealth management business. This aligns with the company's cost-saving business restructuring strategies.