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Citizens Financial Group CFG

Citizens Financial Group scores weak on business quality (3.2 of 10). Here is why, in plain words, and what our sealed record shows.

Last price$63.57Oct 9, 2026
Business qualityWeak
Next earningsOct 16, 2026, before the open
Insiders, 90 daysBuying

Why it matters

  1. What Citizens Financial Group does

    Citizens Financial Group provides retail and commercial banking services, generating revenue through net interest income and fee-based financial products for consumers and businesses. The firm is navigating a changing rate environment while maintaining its core banking operations across its regional footprint.

  2. What it does best

    Citizens maintains strong free cash flow margins relative to its sector peers, sitting in the top quartile at 64th percentile. This cash conversion strength provides consistent operational flexibility despite modest overall returns.

  3. The main risk

    Return on equity sits at a modest 8.1 percent, lagging several regional peers like Regions Financial and M&T Bank and pointing to lower capital efficiency.

Quality, check by check

Scored against its own industry, from company filings.

ProfitabilityWeak

Net margin sits at 22.7 percent, generating $2.0 billion in net income. Profitability remains constrained by lower relative returns on equity as scale expands.

MoatWeak

The company relies on regional banking relationships in its core markets, producing a weak moat profile reflected in its low 1.6 score due to intense banking competition.

GrowthSlow

Revenue grew 5.6 percent to $8.7 billion, showing stabilization after choppy historical periods but remaining in the bottom half of its sector at the 34th percentile.

Financial healthFair

Debt-to-equity is manageable at 0.35, while total debt stands at $9.3 billion. Free cash flow reached $2.4 billion, showing solid liquidity as the balance sheet softens.

Insiders

Executives and directors, from SEC Form 4 filings we read ourselves. Open market trades only; grants, option exercises and pre-planned sales left out.

1 insider bought $1K on the open market. 1 sold $9.3M outside pre-planned sales.

Our sealed record on CFG

Verdicts appear here 30 days after we publish them; members see today's. Each one is in the nightly ledger, fingerprinted the night it was made.

The first sealed verdicts appear here on Oct 11, 2026.

Questions

Is CFG a good business?

Citizens Financial Group scores weak on the Cluenex quality check (3.2 of 10), measured against its own industry. Profitability is weak, moat weak, growth slow and financial health fair.

Are insiders buying CFG?

In the last 90 days of SEC Form 4 filings: 1 insider bought $1K on the open market. 1 sold $9.3M outside pre-planned sales.

When does CFG report earnings?

Oct 16, 2026, before the open.

For members

See CFG today

  • Today's verdict on CFG, and why
  • Fair value with cautious, base and optimistic cases
  • The exact price that would change the verdict
  • Which stocks each signal names, the night it fires
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Cite this page: Cluenex, “Citizens Financial Group (CFG)”, https://cluenex.com/stocks/cfg/, data as of Oct 10, 2026.