Citizens Financial Group, Inc. (CFG) is a Rhode Island–based bank holding company that provides retail and commercial banking, mortgage, and wealth management services. With a market cap of $20.4 billion, it primarily serves customers across the Northeast, Midwest, and Mid-Atlantic regions of the United States.

CFG shares have climbed 18.9% over the past year and 8% in 2025, slightly trailing the broader S&P 500 Index’s ($SPX) 20.1% rise over the past year and 8.6% surge on a YTD basis.

On a closer look, the bank has also lagged behind the Financial Select Sector SPDR Fund’s (XLF) 22.8% return over the past 52 weeks and 7.3% gain in 2025.

Citizens Financial released its Q2 2025 earnings on Jul. 17, and its shares rose 3.9%. It posted an EPS of $0.92 per share, beating estimates of $0.88. Revenue was $2.03 billion, also surpassing the forecast, driven by higher net interest income and loan growth. 

For the fiscal year ending in December 2025, analysts expect CFG’s EPS to grow 17.6% year-over-year to $3.81. The company’s earnings surprise history is robust. It beat or met the consensus estimates in each of the last four quarters. 

Among the 22 analysts covering the stock, the consensus rating is a “Strong Buy.” That’s based on 15 “Strong Buy” ratings, two “Moderate Buy,” and five “Holds.”

The consensus is more bullish than a month ago, when the stock had 13 “Strong Buy” suggestions.

On Aug. 1, JPMorgan Chase & Co. (JPM) upgraded Citizens Financial Group from "Neutral" to "Overweight" and raised its price target from $48.50 to $52, signaling a positive outlook. 

CFG’s mean price target of $54.62 represents a 15.5% premium over current market prices. Its Street-high target of $65 implies an upswing of 37.5%.