How to buy Citizens Financial Group shares

Own Citizens Financial Group shares in just a few minutes. Share price changes are updated daily.

Fact checked

Citizens Financial Group, Inc (CFG) is a leading banks-regional business based in the US. Citizens Financial Group is listed on the NYSE and employs 17,584 staff. All prices are listed in US Dollars.

How to buy shares in Citizens Financial Group

  1. Choose a platform. If you're a beginner, our share-dealing table below can help you choose.
  2. Open your account. You'll need your ID, bank details and national insurance number.
  3. Confirm your payment details. You'll need to fund your account with a bank transfer, debit card or credit card.
  4. Search the platform for stock code: CFG in this case.
  5. Research Citizens Financial Group shares. The platform should provide the latest information available.
  6. Buy your Citizens Financial Group shares. It's that simple.
The whole process can take as little as 15 minutes.

Citizens Financial Group share price

Use our graph to track the performance of CFG stocks over time.

Citizens Financial Group shares at a glance

Information last updated 2021-01-23.
52-week range$13.4689 - $41.67
50-day moving average $36.9533
200-day moving average $29.5718
Wall St. target price$43.89
PE ratio 17.2928
Dividend yield $1.56 (4.06%)
Earnings per share (TTM) $2.22
Promoted
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Invest in Citizens Financial Group shares with 0% commission

Other fees may apply. Your capital is at risk.

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Share dealing platform comparison

Table: sorted by promoted deals first
Data indicated here is updated regularly
Name Product Price per trade Frequent trader rate Platform fees Brand description
Fineco
£2.95
£2.95
Zero platform fee
Your first 100 trades are free with Fineco, T&Cs apply.
Fineco Bank is good for share traders and investors looking for a complete platform and wide offer. Capital at risk.
eToro Free Stocks
0% commission, no markup, no ticket fee, no management fee
N/A
Withdrawal fee & GDP to USD deposit conversion
Capital at risk. 0% commission but other fees may apply.
Stake
£0
£0
Zero platform fee
Join and receive a free share worth up to £100
Access unlimited commission-free trading on 3,800+ US stocks and ETFs with Stake. Capital at risk.
IG
0% commission on US shares, and £3 on UK shares
From £5
£0 - £24 per quarter
IG is good for experienced traders, and offers learning resources for beginners, all with wide access to shares, ETFs and funds. Capital at risk.
Degiro Share Dealing
£1.75 + 0.022% (max £5.00)
£1.75 + 0.022% (max £5.00)
Portfolio transfer fees (in & out)
Degiro is widely seen as one of the best low-cost share brokers, for people who are looking to trade regularly. Capital at risk.
Hargreaves Lansdown Fund and Share Account
£11.95
£5.95
No fees
Hargreaves Lansdown is the UK's number one platform for private investors, with the depth of features you'd expect from an established platform. Capital at risk.
Interactive Investor
From £7.99 on the Investor Service Plan
From £7.99 on the Investor Service Plan
No transfer fees or exit fees. £9.99 a month on the Investor Service Plan
Open an ISA, Trading Account or SIPP you will get £100 of free trades to buy or sell any investment (new customers only).
Interactive Investor offers everything most investors need. Its flat fees makes it pricey for small portfolios, but cheap for big ones. Capital at risk.
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Compare up to 4 providers

Data indicated here is updated regularly
Name Product Minimum deposit Maximum annual fee Price per trade Brand description
Interactive Investor stocks and shares ISA
Any lump sum or £25 a month
£119.88
£7.99
Interactive Investor offers everything most investors need. Its flat fees makes it pricey for small portfolios, but cheap for big ones. Capital at risk.
Moneyfarm stocks and shares ISA
£1500
0.75%
£0
Moneyfarm helps you meet your investment goals with fully-managed portfolios designed around you. Capital at risk.
Hargreaves Lansdown stocks and shares ISA
£100
0.45%
£11.95
Hargreaves Lansdown is the UK's biggest wealth manager. It's got everything you'll need, from beginners to experienced investors. Capital at risk.
Nutmeg stocks and shares ISA
£100
0.75%
£0
Nutmeg offers three types of portfolios. Choose the one that goes with your investment style. Capital at risk.
Saxo Markets stocks and shares ISA
No minimum deposit requirement
0.12%
£8.00
Saxo Markets offers a wide access to a range of stocks, ETFs and funds. Capital at risk.
AJ Bell stocks and shares ISA
£500
0.25%
£9.95
AJ Bell is a good all-rounder for people who to choose between shares, funds, ISAs and pensions. Capital at risk.
Fidelity stocks and shares ISA
£1000 or a regular savings plan from £50
0.35%
£10.00
Fidelity is another good all-rounder, offering a good package at a decent price. Not suited for trading shares. Capital at risk.
Legal & General stocks and shares ISA
Legal & General stocks and shares ISA
£100 or £20 a month
0.61%
N/A
Legal & General is a big financial services company which offers insurance, lifetime mortgage, pensions and stocks and shares ISAs. Capital at risk.
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Compare up to 4 providers

Data indicated here is updated regularly
Name Product Minimum investment Choose from Annual fee Brand description
Interactive Investor Pension
Any lump sum or £25 a month
Over 3,000 funds
£10/month
interactive investor is a flat-fee platform, which makes it cost effective for larger portfolios. Capital at risk.
Moneyfarm Pension
£1,500 (initial investment)
7 funds
0.35%-0.75%
Moneyfarm has pensions that are matched against your risk appetite, goals and planned retirement date. Capital at risk.
AJ Bell Pension
£1,000
Over 2,000 funds
0.05-0.25%
AJ Bell has two different pension options, a self managed pension and one that is managed for you. Capital at risk.
PensionBee Pension
No minimum
7 funds
0.5% - 0.95%
Pension Bee is a newbie in the pension market. It helps consolidate your pension plans into one place. Capital at risk.
Hargreaves Lansdown Pension
£100 or £25 a month
2,500 funds
0-0.45%
Hargreaves Lansdown is the UK's biggest wealth manager. It's got three different retirement options. Capital at risk.
Saxo Markets Pension
Saxo Markets Pension
£10
Over 11,000 funds
No annual fee
Saxo Markets gives flexibility and control over your investment strategy. Capital at risk.
Penfold
Penfold
No minimum
4 portfolios
0.75-0.88%
Moneybox Pension
£1
3 funds
0.15% - 0.45% charged monthly
Manage your money with an easy-to-use Moneybox app. Capital at risk.
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All investing should be regarded as longer term. The value of your investments can go up and down, and you may get back less than you invest. Past performance is no guarantee of future results. If you’re not sure which investments are right for you, please seek out a financial adviser. Capital at risk.

Is it a good time to buy Citizens Financial Group stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

Is Citizens Financial Group under- or over-valued?

Valuing Citizens Financial Group stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Citizens Financial Group's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

Citizens Financial Group's P/E ratio

Citizens Financial Group's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 17x. In other words, Citizens Financial Group shares trade at around 17x recent earnings.

That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.

Citizens Financial Group's PEG ratio

Citizens Financial Group's "price/earnings-to-growth ratio" can be calculated by dividing its P/E ratio by its growth – to give 0.94. A low ratio can be interpreted as meaning the shares offer better value, while a higher ratio can be interpreted as meaning the shares offer worse value.

The PEG ratio provides a broader view than just the P/E ratio, as it gives more insight into Citizens Financial Group's future profitability. By accounting for growth, it could also help you if you're comparing the share prices of multiple high-growth companies.

Citizens Financial Group financials

Revenue TTM $5.3 billion
Operating margin TTM 26.91%
Gross profit TTM $5.3 billion
Return on assets TTM 0.61%
Return on equity TTM 4.71%
Profit margin 19.99%
Book value $48.488
Market capitalisation $16.4 billion

TTM: trailing 12 months

How to short and sell Citizens Financial Group shares

  1. Create a CFD or spread betting account.
  2. Search for the stock code. E.g. "CFG.US"
  3. Choose your position size.
  4. Select "sell" rather than "buy".
  5. Confirm your position and keep tabs on it. You may wish to set limits on your position.

There are currently 6.5 million Citizens Financial Group shares held short by investors – that's known as Citizens Financial Group's "short interest". This figure is 23.3% down from 8.5 million last month.

There are a few different ways that this level of interest in shorting Citizens Financial Group shares can be evaluated.

Citizens Financial Group's "short interest ratio" (SIR)

Citizens Financial Group's "short interest ratio" (SIR) is the quantity of Citizens Financial Group shares currently shorted divided by the average quantity of Citizens Financial Group shares traded daily (recently around 3.3 million). Citizens Financial Group's SIR currently stands at 1.98. In other words for every 100,000 Citizens Financial Group shares traded daily on the market, roughly 1980 shares are currently held short.

However Citizens Financial Group's short interest can also be evaluated against the total number of Citizens Financial Group shares, or, against the total number of tradable Citizens Financial Group shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case Citizens Financial Group's short interest could be expressed as 0.02% of the outstanding shares (for every 100,000 Citizens Financial Group shares in existence, roughly 20 shares are currently held short) or 0.0174% of the tradable shares (for every 100,000 tradable Citizens Financial Group shares, roughly 17 shares are currently held short).

Such a low SIR usually points to an optimistic outlook for the share price, with fewer people currently willing to bet against Citizens Financial Group.

Find out more about how you can short Citizens Financial Group stock.

Citizens Financial Group's environmental, social and governance track record

Environmental, social and governance (known as ESG) criteria are a set of three factors used to measure the sustainability and social impact of companies like Citizens Financial Group.

When it comes to ESG scores, lower is better, and lower scores are generally associated with lower risk for would-be investors.

Citizens Financial Group's total ESG risk score

Total ESG risk: 30.85

Socially conscious investors use ESG scores to screen how an investment aligns with their worldview, and Citizens Financial Group's overall score of 30.85 (as at 01/01/2019) is nothing to write home about – landing it in it in the 48th percentile of companies rated in the same sector.

ESG scores are increasingly used to estimate the level of risk a company like Citizens Financial Group is exposed to within the areas of "environmental" (carbon footprint, resource use etc.), "social" (health and safety, human rights etc.), and "governance" (anti-corruption, tax transparency etc.).

Citizens Financial Group's environmental score

Environmental score: 5.37/100

Citizens Financial Group's environmental score of 5.37 puts it squarely in the 7th percentile of companies rated in the same sector. This could suggest that Citizens Financial Group is a leader in its sector terms of its environmental impact, and exposed to a lower level of risk.

Citizens Financial Group's social score

Social score: 16.57/100

Citizens Financial Group's social score of 16.57 puts it squarely in the 7th percentile of companies rated in the same sector. This could suggest that Citizens Financial Group is a leader in its sector when it comes to taking good care of its workforce and the communities it impacts.

Citizens Financial Group's governance score

Governance score: 17.91/100

Citizens Financial Group's governance score puts it squarely in the 7th percentile of companies rated in the same sector. That could suggest that Citizens Financial Group is a leader in its sector when it comes to responsible management and strategy, and exposed to a lower level of risk.

Citizens Financial Group's controversy score

Controversy score: 2/5

ESG scores also evaluate any incidences of controversy that a company has been involved in. A high-profile company, Citizens Financial Group scored a 2 out of 5 for controversy – the second-highest score possible, reflecting that Citizens Financial Group has, for the most part, managed to keep its nose clean.

Environmental, social, and governance (ESG) summary

Citizens Financial Group, Inc was last rated for ESG on: 2019-01-01.

Total ESG score 30.85
Total ESG percentile 48.12
Environmental score 5.37
Environmental score percentile 7
Social score 16.57
Social score percentile 7
Governance score 17.91
Governance score percentile 7
Level of controversy 2

Citizens Financial Group share dividends

37%

Dividend payout ratio: 36.71% of net profits

Recently Citizens Financial Group has paid out, on average, around 36.71% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 4.06% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Citizens Financial Group shareholders could enjoy a 4.06% return on their shares, in the form of dividend payments. In Citizens Financial Group's case, that would currently equate to about $1.56 per share.

While Citizens Financial Group's payout ratio might seem fairly standard, it's worth remembering that Citizens Financial Group may be investing much of the rest of its net profits in future growth.

Citizens Financial Group's most recent dividend payout was on 17 February 2021. The latest dividend was paid out to all shareholders who bought their shares by 2 February 2021 (the "ex-dividend date").

Citizens Financial Group share price volatility

Over the last 12 months, Citizens Financial Group's shares have ranged in value from as little as $13.4689 up to $41.67. A popular way to gauge a stock's volatility is its "beta".

CFG.US volatility(beta: 1.84)Avg. volatility(beta: 1.00)LowHigh

Beta is a measure of a share's volatility in relation to the market. The market (NYSE average) beta is 1, while Citizens Financial Group's is 1.8398. This would suggest that Citizens Financial Group's shares are more volatile than the average for this exchange and represent, relatively-speaking, a higher risk (but potentially also market-beating returns).

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Citizens Financial Group overview

Citizens Financial Group, Inc. operates as the bank holding company for Citizens Bank, National Association that provides retail and commercial banking products and services in the United States. The company operates in two segments, Consumer Banking and Commercial Banking. The Consumer Banking segment offers traditional banking products and services, including checking and savings accounts, home and education loans, credit cards, business loans, mortgage and home equity lending, and unsecured product finance and personal loans, as well as wealth management and investment services to retail customers and small businesses. This segment also provides indirect auto finance for new and used vehicles through auto dealerships. The Commercial Banking segment offers various financial products and solutions, such as loans and leasing, trade finance, deposit and treasury management, cash management, and foreign exchange and interest rate risk management solutions; and loan syndications, corporate finance, merger and acquisition, and debt and equity capital markets capabilities. It 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. Citizens Financial Group, Inc. operates approximately 2,700 ATMs and 1,100 branches in 11 states in the New England, Mid-Atlantic, and Midwest regions, as well as through online, telephone, and mobile banking services; and maintains approximately 135 retail and commercial non-branch offices. 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.

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