CFG BankCAS:CFG -0.50%35 ROE % is 19.24% as of Dec. 2025, which is 106% above its 10-year median of 9.32. GuruFocus rates CAS:CFG with a GF Score™ of 35/100. The stock has 1 warning sign investors should review. Among 1,523 Banks companies, CFG Bank ranks better than 90.81% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. CFG Bank's annualized net income for the quarter that ended in Dec. 2025 was MAD379 Mil. CFG Bank's average Total Stockholders Equity over the quarter that ended in Dec. 2025 was MAD1,971 Mil. Therefore, CFG Bank's annualized ROE % for the quarter that ended in Dec. 2025 was 19.24%.
The historical rank and industry rank for CFG Bank's ROE % or its related term are showing as below:
CAS:CFG'
s ROE % Range Over the Past 10 Years
Min: -5.13 Med: 9.32 Max: 19.31
Current: 19.31
During the past 6 years, CFG Bank's highest ROE % was 19.31%. The lowest was -5.13%. And the median was 9.32%.
CAS:CFG's ROE % is ranked better than 90.81% of 1523
companies
in the Banks industry
Industry Median: 10.22
vs CAS:CFG: 19.31
CFG Bank (CAS:CFG) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
CFG Bank ROE % Related Terms
CFG Bank ROE % Historical Data
* Premium members only.
The historical data trend for CFG Bank's ROE % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Diversified subindustry, CFG Bank's ROE %, along with its competitors' market caps and ROE % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
CFG Bank ROE % vs Banks Industry
For the Banks industry and Financial Services sector, CFG Bank's ROE % distribution charts can be found below:
* The bar in red indicates where CFG Bank's ROE % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is two times the semi-annual (Dec. 2025) net income data.
ROE % is displayed in the 30-year financial page.
CFG Bank (CAS:CFG) has a ROE % of 19.24% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on CFG Bank and its competitors. This is 106% above median its historical median of 9.32. According to the industry distribution chart, CFG Bank ranks #140 out of 1523 companies in the Banks industry, placing it in the top 9.2%.
Is CFG Bank's ROE % too high?
CFG Bank's current ROE % of 19.24% is 106% above median its 10-year median of 9.32. The Banks industry median ROE % is 10.22. CFG Bank's value of 19.24% is 88.3% above this industry median. Based on the distribution chart, CFG Bank ranks #140 out of 1523 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, CFG Bank has a GF Score™ of 35/100, reflecting its overall financial health beyond just this single metric.
How does CFG Bank's ROE % compare to JPM and BAC?
According to the Banks industry distribution chart, CFG Bank ranks #140 out of 1523 companies for ROE %. This places CFG Bank in the top 9% of its industry — outperforming the majority of peers. The industry median ROE % is 10.22. CFG Bank's value of 19.24% is 88.3% above this benchmark. While the company's 10-year median is 9.32 vs. the industry median of 10.22, CFG Bank has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CFG Bank's current ROE % of 19.24% is 88.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on CFG Bank and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CFG Bank's current ROE % is 19.24%, which is 106% above median its own 10-year median of 9.32. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CFG Bank stock overvalued right now?
CFG Bank (CAS:CFG) has a current ROE % of 19.24%. The current ROE % is 19.24%, which is 106% above median its 10-year median of 9.32 and 88.3% above the Banks industry median of 10.22. CFG Bank's overall GF Score™ is 35/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For CFG Bank (CAS:CFG), the current ROE % is 19.24% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
CFG Bank is a financial services company which has organized itself around of the four main business lines of investment banking: corporate finance, stock market, asset management on behalf of third parties, investment capital.
35GF Score
Get the complete analysis for CAS:CFG
ROE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CAS:CFG has been successfully added to your 
