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TickerTalks›$CFG
CFCFG

Citizens Financial Group, Inc.

$CFG·$30B·Banks - Regional·Financial Services
$70.78-0.1%YTD+26.0%1Y+34.8%
Mentions · last 7 days
2026-08-28: 49 posts2026-08-29: 26 posts2026-08-30: 16 posts2026-08-31: 36 posts2026-09-01: 38 posts2026-09-02: 48 posts2026-09-03: 51 posts264
Price updated 11h ago·X counts updated 1d ago
CFCFG
$CFGCitizens Financial Group, Inc.
$70.78-0.07%264 posts
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Top X posts

Today's AI verdict on what's driving $CFG, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Proven numbersAcceleratingAI verdict · as of 2026-09-04

The move is getting stronger, with heavier trading behind it.

Regional bank grinding higher on steady EPS beats and a preferred-stock refi that cleans up the capital stack.

Citizens Financial Group is the Providence-based regional bank whose stock has quietly compounded to $70.83, up 26% year-to-date and sitting in the 84th percentile of its 52-week range.

  • Earnings per share of $1.30 in Q2 2026 beat the $1.24 consensus, extending a four-quarter beat streak, and analysts are modelling $5.30 of EPS this year rising to $6.50 next year on continued net-interest-income normalization.
  • The company just announced full redemption of its 4% Series G preferred stock on October 6, funded by a new 6.75% reset-rate Series J preferred issued in late July — a modest coupon step-up in exchange for extending capital flexibility.
  • A new Head of Consumer Banking, Matthew Boss, joined in August (Form 3 filed as a new Section 16 reporting officer), and the usual quarterly director stock awards were the only other insider activity — no open-market buying or selling on either side.

At 13.8x trailing earnings and a 9.2% free-cash-flow yield, the multiple is undemanding and the Oct 16 print is the next test of the growth cadence Wall Street has already priced in.

What to watch: Oct 16 earnings for net-interest-income run-rate and consumer-banking loan-growth trend under the new head; whether the Series J coupon step-up materially compresses net-interest margin.

On the calendar: 2026-10-16 earnings

X sentiment

What the X crowd is saying right now — descriptive, summarised from the day’s posts.

Mixed sentiment⚠17 posts analyzed · as of 2026-09-04 · top-engagement diverged

$CFG (Centrifuge) chatter is genuinely mixed. Bulls: RWA narrative worth trillions, Centrifuge is one of strongest with $1.71B TVL, $5.47M annualized earnings ($0 incentives), $60M annualized fees. Named in Crypto Hulk's '3 Kings of RWA infrastructure.' Bulls flag CFG building same bottom structure as 2022/2023. Bears: aggressive 'dead project' name-calling — 'going to rug CFG holders soon.' 'Each green candle is precious chance to SHORT shitcoin CFG.' Genuinely divergent.

Read the AI verdict + X sentiment for $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)
  • X crowd read with bullish/bearish call + post volume
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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

Net interest margin is the primary earnings lever; the rate curve shape determines the spread between deposit costs and loan yields. Credit quality in commercial real estate remains the headline risk — office exposure is the most closely watched segment.

What this means for $CFG

Partial — net interest margin and credit quality are the primary earnings drivers; Citizens Financial Group, Inc.

Top industry ETF

$KRESPDR S&P Regional Banking ETF
+19.9%YTD
+13.8%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
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%
Q3 2025Oct 15, 2025$1.05$1.03+1.9%
Next earningsFri, Oct 16·consensus EPS $1.40

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 7 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$9.2B$9.1B – $9.2B$5.30$5.24 – $5.386
FY27$10.0B$9.9B – $10.1B$6.50$6.33 – $6.807
FY28$10.5B$10.4B – $10.7B$7.46$7.26 – $7.792
FY29$7.2B$7.2B – $7.3B$5.74$5.67 – $5.801

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.0.6×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.83%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.-1.0%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.+10.6%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatHigh float · 419.0M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today0.4% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β1.015-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$376KSellMar 11Susan LamonicaChief Human Resources Officer13.3K sh$769K
+ 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
Free, forever. No credit card.

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

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.

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

CFG (CFG) reported financial results for first quarter in an 8-K filed under Item 2.02. The filing includes key financial metrics including revenue, operating income, and per-share results. Results of operations disclosures under Item 2.02 typically accompany an earnings press release furnished as an exhibit, making them available concurrently with the earnings call. These filings provide the market with transparent, timely financial performance data for investment analysis.

+ 14 other (6 13Gs · 2 13Fs · 2 10-Qs · 2 proxys) in window

Recent news

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

Citizens Financial Group Announces Redemption of All Outstanding Shares of its Series G Preferred Stockgurufocus.com·4d agoCitizens Financial Group Announces Redemption of All Outstanding Shares of its Series G Preferred Stockbusinesswire.com·4d agoCitizens Financial Group: Diversified Growth Supports Q2 2026 Earningsseekingalpha.com·4d ago5 Top Goldman Sachs Stock Picks Pay Big Dividends (One Yields Over 6%)247wallst.com·4d ago51,373 Shares in Citizens Financial Group, Inc. $CFG Purchased by Bank of Nova Scotiadefenseworld.net·10d 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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