CFG PEER ANALYSIS

Citizens Financial Group, Inc. — metric-by-metric comparison with peers and the industry median

CFGCitizens Financial Group, Inc.

🇺🇸 USA · US · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

CFGIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	CFG	QNBTR	SEB-A	SWED-A	DNB	CBK	Ind. Median
P/E	16.36	22.60	12.70	12.97	10.45●	17.76	12.88
P/B	1.17●	6.38	1.81	2.08	1.44	1.39	1.29
EV/EBITDA	10.24	16.47	21.92	24.87	—	-4.72●	9.24
P/S	—	—	—	—	—	—	—

Financial Health
Metric	CFG	QNBTR	SEB-A	SWED-A	DNB	CBK	Ind. Median
Current Ratio	228.33●	—	0.22	0.27	—	3.10	0.31
Debt/Equity	47.1%	0.0%●	445.9%	513.7%	—	11.5%	38.0%
NetDebt/EBITDA	-0.01	-6.67	12.36	15.09	—	-15.04●	-0.58

Profitability
Metric	CFG	QNBTR	SEB-A	SWED-A	DNB	CBK	Ind. Median
Net Margin	17.5%	35.7%	20.7%	27.8%	62.0%●	13.1%	20.6%
ROE	7.7%	33.4%●	13.6%	16.0%	14.0%	8.3%	10.9%
ROA	0.9%	2.8%●	0.7%	1.0%	1.1%	0.5%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	CFG	QNBTR	SEB-A	SWED-A	DNB	CBK	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	27.6%	39.7%●	-10.1%	-7.9%	-9.1%	-2.2%	19.4%
Div. Yield	2.5%	—	4.4%	5.6%	6.1%●	2.9%	2.5%
Payout	45.8%	—	75.0%	28.5%	180.1%	—	31.4%

Valuation
Metric	CFG	HBAN	RF	KEY	MTB	FCNCA	Ind. Median
P/E	16.36	15.38	12.20	13.57	13.29	11.01●	12.88
P/B	1.17	1.04●	1.40	1.25	1.34	1.13	1.29
EV/EBITDA	10.24	6.09	9.99	-7.87●	0.33	9.84	9.24
P/S	—	—	—	—	—	—	—

Financial Health
Metric	CFG	HBAN	RF	KEY	MTB	FCNCA	Ind. Median
Current Ratio	228.33●	20.08	1.25	0.42	0.32	0.15	0.31
Debt/Equity	47.1%	72.1%	33.7%●	85.4%	68.0%	154.0%	38.0%
NetDebt/EBITDA	-0.01	-4.37	0.99	-17.82●	-8.69	2.69	-0.58

Profitability
Metric	CFG	HBAN	RF	KEY	MTB	FCNCA	Ind. Median
Net Margin	17.5%	16.6%	23.1%	17.3%	23.7%●	15.6%	20.6%
ROE	7.7%	8.3%	11.9%●	10.0%	10.3%	10.2%	10.9%
ROA	0.9%	0.9%	1.4%●	1.0%	1.4%	1.0%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	CFG	HBAN	RF	KEY	MTB	FCNCA	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	27.6%	7.8%	10.4%	7,684.0%●	11.0%	-10.8%	19.4%
Div. Yield	2.5%	3.4%	3.4%	3.5%●	2.4%	0.4%	2.5%
Payout	45.8%	47.8%	45.0%	53.9%	36.0%	7.5%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.