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CFCFG

Citizens Financial Group, Inc.

$CFG·$27B·Banks - Regional·Financial Services
$62.76-0.9%YTD+8.5%1Y+30.9%
Price updated 10h ago·X counts updated 8d ago
CFCFG
$CFGCitizens Financial Group, Inc.
$62.76-0.95%275 posts1.1×
AI analysisFundamentalsVoices on X
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On X

Top X posts

The complete picture of $CFG on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

275X posts · last 7 days
Oct 2Oct 11
Chatter Meter
1.1×
QuietNormal · 1×Loud

How loud $CFG's conversation on X is versus its own normal — 1× is typical, higher means busier. Right now it's about its usual level, louder than 82% of tracked names.

Bullish sentimentAI analysisGenerated by AI from underlying data5 posts analyzed · as of 2026-09-16

$CFG posts are about Centrifuge, the RWA-tokenization protocol, not Citizens Financial. Traders point at Janus Henderson's Anemoy JAAA CLO fund running $687M across eight chains as the institutional signal, and set up $0.12 → $0.20 → $0.30 targets on a tightening weekly chart. The wider RWA thread frames September as the month tokenization moves from pilots to real capital. No pushback in the window.

Read what X is saying about $CFG

  • Bullish vs bearish call — with the AI summary of the day's posts
  • Divergence flag when the top-engagement posts argue the other side
  • How loud the conversation is versus this ticker's own normal
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AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $CFG — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Proven numbersStalledAI verdict · as of 2026-10-02

The move has stalled — likely just drifts unless something new shows up.

Citizens Financial up 22% YoY — regional bank with normalizing NII, X chatter is about a different asset.

Citizens Financial is the Rhode Island-headquartered regional bank — Consumer Banking, Commercial Banking, and Private Bank serving the Northeast and Mid-Atlantic. The stock is up 9% YTD, consolidating below the 50-day MA on 1.26x normal volume into the Oct 16 earnings print.

  • The P&L is quietly firming: revenue grew 4.5% YoY to $3.03B last quarter at a 22% operating margin and EPS $1.14 — the net interest income benefit from the rate curve is landing, and the Private Bank addition continues to extend fee revenue.
  • At 13.8x trailing earnings and 2.4x sales for a regional bank with 22% operating margins, Citizens is reasonably priced relative to the Big Four — Huntington's 2027 EPS cut (-5.6%) is a cohort warning, but Citizens's loan book is more diversified.
  • No insider trading of consequence, with Squarepoint and other systematic funds adding modest positions; the Oct 16 print is the main near-term catalyst.

Stalled holds until Oct 16 earnings confirm net interest income growth above 4% YoY and deposit cost stabilization. A soft NII print, or any specific commercial-real-estate charge-off commentary, is what tips this toward breaking-down; a NII beat plus Private Bank fee acceleration is what breaks the stalled tape higher.

Differs from X sentimentThe X $CFG thread is about Centrifuge, the RWA-tokenization protocol — Janus Henderson's $687M Anemoy fund, $0.12→$0.30 targets — not Citizens Financial the bank, whose own tape is driven by NII and the Oct 16 print the posters never mention.

What to watch: Oct 16 earnings — net interest income growth above 4% YoY, deposit cost trajectory, Private Bank fee revenue, and commercial real estate charge-off commentary. A soft NII print or wider CRE provisions is what breaks the stalled tape lower.

On the calendar: 2026-10-16 — Q3 FY26 earnings

Read the AI verdict on $CFG

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
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What it does

Plain-English summary of the business — what they sell and how they make money.

Mid-sized US retail and commercial bank serving consumers and businesses primarily in the Northeast and Midwest.

Industry overviewAI analysisGenerated by AI from underlying data

Where Banks - Regional sits in its cycle right now — and what that implies for $CFG.

Banks - Regional · Financial Services

No material change from last week — HDFC Bank securities fraud class action class deadline Sep 20 keeps litigation overhang on the India private banking thesis.

What this means for $CFG

Neutral — Mid-sized US retail and commercial bank serving consumers and businesses primarily in the Northeast and Midwest.

Top industry ETF

$KRESPDR S&P Regional Banking ETF
+6.4%YTD
+14.4%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
13.8How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
0.9%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
22.3%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
9.2%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
2.4Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
7.6%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
71.1%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
0.5Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q3 2026Oct 16, 2026$1.41$1.39+1.4%
Q2 2026Jul 16, 2026$1.30$1.24+4.8%
Q1 2026Apr 16, 2026$1.13$1.09+3.7%
Q4 2025Jan 21, 2026$1.13$1.10+2.7%
Next earningsThu, Jan 21·consensus EPS $1.49

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q1 FY26$3.0B+4.5%67.0%21.5%$1.14$237.0M
Q4 FY25$2.2B-28.7%100%31.4%$1.13$-250.0M
Q3 FY25$3.1B+0.5%63.6%20.4%$1.06$1.7B
Q2 FY25$3.0B-3.7%62.3%18.4%$0.93$853.0M

Forward consensus

4-year forecast · up to 8 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$9.2B$9.1B – $9.2B$5.30$5.24 – $5.358
FY27$10.0B$9.9B – $10.0B$6.49$6.26 – $6.818
FY28$10.6B$10.5B – $10.9B$7.55$7.33 – $8.195
FY29$7.2B$7.2B – $7.3B$5.74$5.67 – $5.812

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.1.8×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.53%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.-7.5%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.-4.0%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

β1.065-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

SellJul 24Van Saun BruceCEO129.4K sh$9.3MSellMay 12Michelle MoosallyChief Legal Officer6.0K sh$376K
+ 36 other (33 awards · 2 inkinds · 1 gift) in window

See when $CFG insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
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SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

8-KPress release / Reg FDOct 168-K — Item 2.02: Earnings release · Item 7.01: Press release / Reg FD
8-KCharter amendmentOct 88-K — Item 5.03: Charter amendment
3New insider — initial holdingsAug 253
AI summary

Citizens Financial Group, Inc. (CFG) filed a Form 3 initial beneficial ownership statement for Matthew Boss, Head of Consumer Banking, as of August 20, 2026, at 600 Washington Blvd., Stamford, CT. The filing establishes Boss's initial equity ownership baseline as a new Section 16 reporting officer. This is an administrative filing for a new division head at the major US retail bank; no material investment implications.

8-KCharter amendmentJul 318-K — Item 3.03 · Item 5.03: Charter amendment · Item 8.01: Other event
AI summary

CFG (CFG) filed an 8-K on 2026-07-31 disclosing a material modification to security holder rights under Item 3.03, relating to the issuance of 5.000% Fixed-Rate Non-Cumulative Perpetual Preferred Stock. Upon issuance of the 6.750% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series J, liquidation preference of $1,000 per share (the “Series J Preferred Stock”) by Citizens Financial Group, Inc. (the “Registrant”) on July 30, 2026, the ability of the Registrant to declare or pay dividend This is a capital structure event; the modification typically restricts dividends on common/junior stock until preferred dividends are current.

8-KPress release / Reg FDJul 168-K — Item 2.02: Earnings release · Item 7.01: Press release / Reg FD
AI summary

Citizens Financial Group (CFG) announced Q2 2026 earnings on July 16, 2026 via press release and an investor presentation, both furnished as exhibits. The 8-K body contains no specific financial figures; detail is in the attached press release (Exhibit 99.1), investor presentation (99.2), and financial supplement (99.3). Routine quarterly earnings and Reg FD investor presentation disclosure.

8-KShareholder voteApr 248-K — Item 5.07: Shareholder vote
AI summary

CFG (CFG) disclosed the results of its annual meeting of shareholders in an 8-K filing under Item 5.07. Shareholders voted on an advisory say-on-pay resolution, ratification of the independent auditor, shareholder proposals. All management-sponsored proposals were approved by majority shareholder vote. Annual meeting results are a routine disclosure that confirms shareholder ratification of the board's composition and compensation practices.

+ 10 other (5 13Gs · 2 13Fs · 2 10-Qs · 1 routine 8-K) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Citizens Financial Analysts Slash Their Forecasts Following Q3 Resultsbenzinga.com·15h agoCitizens Financial: 3 Key Takeaways for Long-Term Investorsfool.com·2d agoDividend Announcements: October 10-16, 2026seekingalpha.com·2d agoCitizens Financial Group: Reassessing Preferred Securities In A Dynamic Market Environmentseekingalpha.com·2d agoWhat Citizens Financial Group (CFG) Said on Its Q3 Earnings Calldefenseworld.net·2d ago

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TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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