Citizens Financial Group, Inc.

Citizens Financial Group, Inc.

CFGยทNYSE

$61.53

-1.3%
Financial ServicesBanks - Regional

Citizens Financial Group, Inc. operates as the bank holding company for Citizens Bank, National Association that provides retail and commercial banking products and services to individuals, small businesses, middle-market companies, corporations, and institutions in the United States. The company operates in two segments, Consumer Banking and Commercial Banking. The Consumer Banking segment offers deposit products, mortgage and home equity lending products, credit cards, business loans, wealth management, and investment services; and auto, education, and point-of-sale finance loans, as well as digital deposit products. This segment serves its customers through telephone service centers, as well as through its online and mobile platforms. The Commercial Banking segment provides various financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange, and interest rate and commodity risk management solutions, as well as syndicated loans, corporate finance, mergers and acquisitions, and debt and equity capital markets services. This segment serves government banking, not-for-profit, healthcare, technology, professionals, oil and gas, asset finance, franchise finance, asset-based lending, commercial real estate, private equity, and sponsor finance industries. It operates approximately 1,200 branches in 14 states and the District of Columbia; 114 retail and commercial non-branch offices in national markets; and approximately 3,300 automated teller machines. The company was formerly known as RBS Citizens Financial Group, Inc. and changed its name to Citizens Financial Group, Inc. in April 2014. Citizens Financial Group, Inc. was founded in 1828 and is headquartered in Providence, Rhode Island.

At a Glance

Live Snapshot
Market Cap$26.02B
EPS3.9000
P/E Ratio15.78
Earnings Date07/16/2026
Citizens Financial Group, Inc.

Citizens Financial Group, Inc. Fair Value Envelope

CFG ยท NYSE

Our analysis suggests that CFG has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $61.53, this represents a potential HIDDEN relative to our calculated worth for Citizens Financial Group, Inc..

Intrinsic Value
Current Price: $61.53

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$60.6B
+ Cash & Equivalents$12.7B
Firm Value$73.4B
- Debt$11.3B
Equity Value$62.1B
/ Shares Outstanding429,487,177B
DCF Value$145
UNDERVALUED BY 135%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$2.4B
$2.6B
$2.8B
$3.1B
$3.3B
$3.6B
$3.9B
$4.2B
$4.6B
$5.0B
Maintenance CapEx
-$37.7M
-$40.9M
-$44.3M
-$48.1M
-$52.1M
-$56.5M
-$61.2M
-$66.4M
-$72.0M
-$78.0M
Owner Earnings
$2.4B
$2.6B
$2.8B
$3.0B
$3.3B
$3.5B
$3.8B
$4.2B
$4.5B
$4.9B
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$2.2B
$2.2B
$2.2B
$2.2B
$2.2B
$2.2B
$2.2B
$2.2B
$2.3B
$2.3B
Terminal Value represents 63.4% of Enterprise Value