Touchstone
Last syncNov 1, 2026, 6:55 PM ET

CFG

Citizens Financial Group Inc/ri Financials State Commercial Banks S&P 500Russell 3000
$63.81Close $27.4BMarket cap $48.69 – $74.7352-week range Jan 15, 2027Next report · estimated

Highlights

Strengths

  • Earnings growing EPS +32% year on year

Cautions

  • Not in an uptrend 4 of 8 trend conditions
  • Lagging the market RS 46 · weaker than 54% of stocks over 12 months

Price

Filing Results Screen pick 52-week high and low Adjusted prices

Key figures

FY to Dec 31, 2025 · filed Oct 28, 2026
Off 12-month high 15%
1wk down 1.3% price change
1mo up 0.9% price change
12-month return up 29% market up 11% · its own up 18%
F-score — — Not assessed
Altman Z — Unknown
P/E 15.0× price / earnings
PEG 0.58 P/E / EPS growth
P/B 1.0× price / book
Earnings yield — EBIT / enterprise value
Cheaper than — of the market · not assessed
Revenue growth up 7% year on year
EPS growth up 32% latest quarter · -6 pts
Sales growth up 2% latest quarter · -16 pts
ROE up 7% return on equity
Free cash margin —
D/E 0.43 long-term debt / equity
Net debt / EBITDA —
Interest cover —EBIT / interest
Piotroski tests

Repair signals

  • Long-term debt down 9% ($12.4B → $11.2B)

Trade setup

ATR% 2.2% $1.40 a day · 2×ATR $61.01
RS 46 / 99 vs the universe
Trend 4 / 8 trend template
Relative volume 0.8× vs 50-day average
Up/down volume 0.72 50 sessions
Implied move — no scheduled report
Trend template · 4 of 8
  • Price above the 150 and 200-day averages: fails
  • 150-day average above the 200-day: passes
  • 200-day average rising for a month: passes
  • 50-day average above the 150 and 200-day: fails
  • Price above the 50-day average: fails
  • At least 30% above the 52-week low: passes
  • Within 25% of the 52-week high: passes
  • RS rank 70 or higher: fails

Screen verdict

Did not qualify for any screen.

Warning signs

none flagged
  • No restatement or impairment
  • Equity positive
  • No material dilution
  • Margins and revenue not shrinking
Last reported Oct 16, 2026
Results reaction Oct 16, 20260% vs market2 sessions after results
Options $155,78826.3% IV · activity

Financials

6 fiscal years · from filings
Revenue What customers paid the company over its fiscal year, before any cost, as filed in its annual report. The change is against the year before. Methodology $1.6B +7% on FY2024
$0 $2B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $1.1B FY2021 · $1.3B FY2022 · $1.3B FY2023 · $1.3B FY2024 · $1.5B FY2025 · $1.6B
Net income Profit left after every cost, interest and tax for the year. A column below the line is a loss. Methodology $1.8B +21% on FY2024
$0 $2.5B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $1.1B FY2021 · $2.3B FY2022 · $2.1B FY2023 · $1.6B FY2024 · $1.5B FY2025 · $1.8B
Margins Each as a share of revenue. Gross: left after the direct cost of what was sold. Net: left after every cost. Free cash: free cash flow over revenue. A margin rising over years means the business keeps more of each dollar it sells. Methodology
  • Net 112%
0% 200% FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Net 98% FY2021 · Net 175% FY2022 · Net 160% FY2023 · Net 127% FY2024 · Net 98% FY2025 · Net 112%
Cash and long-term debt Cash on the balance sheet at the year's end beside debt due after a year. Net cash is cash less that debt; net debt is the shortfall. Debt some filers do not tag shows as a gap, not as zero. Methodology
  • Cash
  • Long-term debt
$0 $20B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Cash $12.7B · Long-term debt $8.3B FY2021 · Cash $9.2B · Long-term debt $6.9B FY2022 · Cash $10.5B · Long-term debt $15.9B FY2023 · Cash $11.6B · Long-term debt $13.5B FY2024 · Cash $10.6B · Long-term debt $12.4B FY2025 · Cash $12.7B · Long-term debt $11.2B
Shares outstanding Shares in issue at the year's end. A rising count means each share owns a smaller slice of the company (stock pay, share sales); a falling one, buybacks. The chart's scale is fitted to the count, so a small change looks large: read the percentage. Methodology 429.24m +0.5% since FY2020
492.28m 422.14m FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · 427.21m FY2021 · 422.14m FY2022 · 492.28m FY2023 · 466.42m FY2024 · 440.54m FY2025 · 429.24m
  FY2020Dec 31, 2020 FY2021Dec 31, 2021 FY2022Dec 31, 2022 FY2023Dec 31, 2023 FY2024Dec 31, 2024 FY2025Dec 31, 2025
Revenue $1.1B $1.3B $1.3B $1.3B $1.5B $1.6B
Net income $1.1B $2.3B $2.1B $1.6B $1.5B $1.8B
Net margin 98% 175% 160% 127% 98% 112%
Earnings per share $2.47 $5.43 $4.34 $3.37 $3.33 $4.19
Cash $12.7B $9.2B $10.5B $11.6B $10.6B $12.7B
Long-term debt $8.3B $6.9B $15.9B $13.5B $12.4B $11.2B
Shareholders' equity $22.7B $23.4B $23.7B $24.3B $24.3B $26.3B
Shares outstanding 427.21m 422.14m 492.28m 466.42m 440.54m 429.24m

What options price now

Expected 1-month range The at-the-money straddle for the expiry nearest a month out, as a share of the price: the move, either way, the option market is pricing by then. The range is the price plus and minus that move; the stock ends inside it a little more often than not. Methodology
$60 – $67 ±5.2% by Nov 20, 2026
Swings expected vs recent The daily swings the options are priced for (implied volatility) against the swings the stock actually had over the last 20 sessions (realised volatility). Bigger means options charge for more movement than the stock has been delivering; smaller, less. On a contract row, that contract's own implied volatility over the stock's realised. Methodology
Bigger 26.3% priced · 17.6% recent
Next month vs later At-the-money implied volatility for 8-45 day expiries over 46-90 day ones: whether options price the coming month as choppier or calmer than the two after it. Ahead of a report it usually reads choppier, and the extra comes out once the report is out. Methodology
Choppier
Crash protection What options that pay off in a fall cost against options that pay off in a rise (the 25-delta skew), compared with this company's own normal - the median of its stored nightly readings, once there are 20 - and with five sessions ago. Protection costs a little more than upside on most shares. More than usual means readers of the chain are paying up to insure against a drop; it does not say which way the stock will go. Methodology
past week: costs more
Positioning
Premium traded
$155,788 calls $79,062 · puts $76,725 · latest session
Puts against calls, by premium Money spent on puts divided by money spent on calls. Measured in dollars rather than contracts on purpose: counting contracts treats a hundred cheap lottery tickets as more meaningful than one large position, which is backwards. Methodology
0.97× +0.67 over the week
Open interest added The change over five sessions in option positions left open overnight, calls and puts. A rise means positions were added. It cannot say whether they were bought or sold, so more calls is not a vote for a rise: a call is as often sold against shares already held. Methodology
calls -1.08k · puts +514 past week

For options traders: ATM IV 26.3% (+0.8% 1w) · 1m ÷ 3m IV 1.07 · 25Δ skew 4.9 pts · Net GEX $1.4M

Most traded contracts

No contract passed the liquidity filters this week.

Filings

SEC EDGAR
FiledReportPeriod to Lag
Oct 28, 2026 Quarterly ↗ Sep 30, 2026 28d
Aug 3, 2026 Quarterly ↗ Jun 30, 2026 34d
May 4, 2026 Quarterly ↗ Mar 31, 2026 34d
Feb 12, 2026 Annual ↗ Dec 31, 2025 43d
Nov 3, 2025 Quarterly ↗ Sep 30, 2025 34d
Aug 4, 2025 Quarterly ↗ Jun 30, 2025 35d
May 1, 2025 Quarterly ↗ Mar 31, 2025 31d
Feb 13, 2025 Annual ↗ Dec 31, 2024 44d
Nov 4, 2024 Quarterly ↗ Sep 30, 2024 35d
Aug 6, 2024 Quarterly ↗ Jun 30, 2024 37d
May 6, 2024 Quarterly ↗ Mar 31, 2024 36d
Feb 16, 2024 Annual ↗ Dec 31, 2023 47d

Current reports

FiledDisclosed
Oct 30, 2026 Auditor change ↗
Oct 16, 2026 Results · Regulation FD ↗
Oct 8, 2026 Charter or bylaws ↗
Jul 31, 2026 Holder rights changed · Charter or bylaws · Other events ↗
Jul 21, 2026 Other events ↗
Jul 16, 2026 Results · Regulation FD ↗
Apr 24, 2026 Shareholder vote ↗
Apr 16, 2026 Results · Regulation FD ↗
Jan 29, 2026 Other events ↗
Jan 22, 2026 Other events ↗
Jan 21, 2026 Results · Regulation FD ↗
Oct 15, 2025 Results · Regulation FD ↗