Across the recent three months, 16 analysts have shared their insights on Citizens Financial Group (NYSE:CFG), expressing a variety of opinions spanning from bullish to bearish.

The table below provides a snapshot of their recent ratings, showcasing how sentiments have evolved over the past 30 days and comparing them to the preceding months.

	Bullish	Somewhat Bullish	Indifferent	Somewhat Bearish	Bearish
Total Ratings	5	8	3	0	0
Last 30D	0	1	0	0	0
1M Ago	5	4	1	0	0
2M Ago	0	3	2	0	0
3M Ago	0	0	0	0	0

The 12-month price targets assessed by analysts reveal further insights, featuring an average target of $70.94, a high estimate of $78.00, and a low estimate of $60.00. This current average reflects an increase of 10.79% from the previous average price target of $64.03.

Breaking Down Analyst Ratings: A Detailed Examination

The standing of Citizens Financial Group among financial experts becomes clear with a thorough analysis of recent analyst actions. The summary below outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.

Analyst	Analyst Firm	Action Taken	Rating	Current Price Target	Prior Price Target
Vivek Juneja	JP Morgan	Raises	Overweight	$71.00	$62.50
John Pancari	Evercore ISI Group	Raises	Outperform	$77.00	$69.00
Brian Foran	Truist Securities	Raises	Hold	$71.00	$63.00
Keith Horowitz	Citigroup	Raises	Buy	$71.00	$65.00
Kevin Heal	Argus Research	Raises	Buy	$72.00	$60.00
Ebrahim Poonawala	B of A Securities	Raises	Buy	$78.00	$70.00
Steven Alexopoulos	TD Cowen	Raises	Buy	$78.00	$75.00
Manan Gosalia	Morgan Stanley	Raises	Overweight	$73.00	$71.00
Peter Winter	DA Davidson	Raises	Buy	$73.00	$65.00
Gerard Cassidy	RBC Capital	Raises	Outperform	$67.00	$60.00
Christopher McGratty	Keefe, Bruyette & Woods	Raises	Outperform	$70.00	$68.00
David Long	Raymond James	Raises	Outperform	$66.00	$62.00
Jason Goldberg	Barclays	Raises	Overweight	$77.00	$56.00
Brian Foran	Truist Securities	Raises	Hold	$63.00	$56.00
David Konrad	Keefe, Bruyette & Woods	Raises	Outperform	$68.00	$62.00
David George	Baird	Maintains	Neutral	$60.00	$60.00

Key Insights:

• Action Taken: Analysts adapt their recommendations to changing market conditions and company performance. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their response to recent developments related to Citizens Financial Group. This information provides a snapshot of how analysts perceive the current state of the company.
• Rating: Offering insights into predictions, analysts assign qualitative values, from 'Outperform' to 'Underperform'. These ratings convey expectations for the relative performance of Citizens Financial Group compared to the broader market.
• Price Targets: Understanding forecasts, analysts offer estimates for Citizens Financial Group's future value. Examining the current and prior targets provides insight into analysts' changing expectations.

Navigating through these analyst evaluations alongside other financial indicators can contribute to a holistic understanding of Citizens Financial Group's market standing. Stay informed and make data-driven decisions with our Ratings Table.

Stay up to date on Citizens Financial Group analyst ratings.

Delving into Citizens Financial Group's Background

Citizens Financial Group Inc is a bank holding company headquartered in Providence, Rhode Island. Through the bank, it offers various retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations, and institutions. The company's reportable segments are; Commercial Banking, Consumer Banking, Non-Core, and Others. A majority of its revenue is generated from the Consumer Banking segment, which serves consumer customers and small businesses, offering traditional banking products and services including deposits, mortgage and home equity lending, credit cards, small business loans, education loans, point-of-sale finance loans, and wealth management and investment services.

Citizens Financial Group: A Financial Overview

Market Capitalization Analysis: The company's market capitalization is above the industry average, indicating that it is relatively larger in size compared to peers. This may suggest a higher level of investor confidence and market recognition.

Revenue Growth: Citizens Financial Group's revenue growth over a period of 3M has been noteworthy. As of 31 December, 2025, the company achieved a revenue growth rate of approximately 1.84%. This indicates a substantial increase in the company's top-line earnings. As compared to its peers, the revenue growth lags behind its industry peers. The company achieved a growth rate lower than the average among peers in Financials sector.

Net Margin: Citizens Financial Group's net margin is below industry averages, indicating potential challenges in maintaining strong profitability. With a net margin of 22.67%, the company may face hurdles in effective cost management.

Return on Equity (ROE): Citizens Financial Group's ROE lags behind industry averages, suggesting challenges in maximizing returns on equity capital. With an ROE of 2.04%, the company may face hurdles in achieving optimal financial performance.

Return on Assets (ROA): Citizens Financial Group's ROA falls below industry averages, indicating challenges in efficiently utilizing assets. With an ROA of 0.22%, the company may face hurdles in generating optimal returns from its assets.

Debt Management: Citizens Financial Group's debt-to-equity ratio is notably higher than the industry average. With a ratio of 0.47, the company relies more heavily on borrowed funds, indicating a higher level of financial risk.

Analyst Ratings: What Are They?

Within the domain of banking and financial systems, analysts specialize in reporting for specific stocks or defined sectors. Their work involves attending company conference calls and meetings, researching company financial statements, and communicating with insiders to publish "analyst ratings" for stocks. Analysts typically assess and rate each stock once per quarter.

In addition to their assessments, some analysts extend their insights by offering predictions for key metrics such as earnings, revenue, and growth estimates. This supplementary information provides further guidance for traders. It is crucial to recognize that, despite their specialization, analysts are human and can only provide forecasts based on their beliefs.

This article was generated by Benzinga's automated content engine and reviewed by an editor.