Baird has downgraded Citizens Financial Group Inc (CFG) to Neutral from Outperform. This change, effective December 10, 2025, reflects a shift in sentiment towards the company's outlook amid potential challenges.
Citizens Financial Group, headquartered in Providence, Rhode Island, provides a range of commercial banking services. The firm operates through two segments: Consumer Banking and Commercial Banking. The Consumer Banking segment serves individual customers and small businesses, offering products such as deposits, mortgages, credit cards, and wealth management services across approximately 1,000 branches and 3,100 ATMs. The Commercial Banking segment caters to companies and institutions, providing solutions including lending, treasury management, and risk management services.
As of November 25, 2025, Citizens Financial Group had a market capitalisation of $22.5 billion, a price-to-earnings ratio of 13.18, and an earnings per share figure of 3.88. The company has a dividend yield of 348.6%, indicating a strong return for shareholders.
Upcoming earnings reports are anticipated, with estimates of $1.34 per share on revenue of $2.3 billion for the quarter ending October 16, 2026. This follows a recent performance where the third-quarter earnings for 2025 showed an earnings per share of $1.05, slightly above the estimated $1.04.
Analyst ratings for Citizens Financial Group reveal a consensus of 8 Strong Buy, 15 Buy, and 4 Hold ratings, with no Sell or Strong Sell recommendations.
Such decisions reflect a broader trend in analyst sentiment, which can shift as new information becomes available. Investors are advised to consider multiple factors, including company fundamentals and market conditions, when making financial decisions.