Citizens Financial Group (CFG) seasonality heatmap
Returns across monthly, quarterly, and yearly periods. Cell color encodes signed magnitude; the scale auto-fits each table.
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +7.8% | -3.8% | -0.4% | +8.5% | -4.3% | +8.7% | — | — | — | — | — | — |
| 2025 | +9.7% | -3.8% | -10.5% | -8.9% | +9.4% | +10.9% | +7.6% | +9.6% | +1.7% | -3.4% | +6.3% | +8.0% |
| 2024 | -0.1% | -4.0% | +15.6% | -4.8% | +3.4% | +2.1% | +19.6% | +0.9% | -4.6% | +3.6% | +14.3% | -9.1% |
| 2023 | +11.1% | -3.6% | -27.3% | +1.9% | -15.5% | +1.2% | +23.7% | -11.6% | -4.7% | -11.0% | +16.4% | +21.6% |
| 2022 | +9.8% | +1.9% | -13.5% | -13.1% | +6.1% | -13.7% | +6.4% | -2.3% | -6.3% | +19.0% | +4.7% | -7.1% |
| 2021 | +1.9% | +20.5% | +1.6% | +5.7% | +7.8% | -8.1% | -7.2% | +3.9% | +7.3% | +1.7% | -0.2% | -0.1% |
| 2020 | -7.2% | -15.0% | -40.6% | +21.2% | +7.6% | +4.7% | -0.2% | +4.3% | -2.3% | +9.3% | +19.9% | +9.5% |
| 2019 | +15.1% | +8.9% | -12.0% | +12.3% | -10.0% | +8.6% | +6.4% | -9.4% | +4.8% | +0.4% | +9.4% | +5.6% |
| 2018 | +9.9% | -5.3% | -3.5% | -1.2% | -1.0% | -4.8% | +2.9% | +3.5% | -6.3% | -2.4% | -2.6% | -18.2% |
| 2017 | +1.9% | +3.3% | -7.5% | +6.3% | -6.7% | +4.6% | -1.2% | -5.6% | +14.3% | +0.9% | +7.1% | +3.2% |
| 2016 | -18.9% | -9.1% | +9.0% | +9.1% | +3.6% | -15.2% | +11.8% | +11.5% | -0.2% | +7.1% | +27.2% | +6.3% |
| 2015 | -3.9% | +4.4% | -2.8% | +7.9% | +3.4% | +1.8% | -4.1% | -4.8% | -3.8% | +1.8% | +10.0% | -1.6% |
| 2014 | — | — | — | — | — | — | — | — | — | +0.8% | +4.8% | +0.9% |
| Avg | +3.1% | -0.5% | -7.7% | +3.7% | +0.3% | -0.7% | +6.0% | -0.0% | -0.0% | +2.3% | +9.8% | +1.6% |
| Median | +4.9% | -3.7% | -5.5% | +6.0% | +3.4% | +1.8% | +6.4% | +0.9% | -2.3% | +1.3% | +8.2% | +2.0% |
| Last 5Y Avg | +7.7% | -2.7% | -7.2% | -3.3% | -0.2% | -1.5% | +10.0% | +0.1% | -1.3% | +2.0% | +8.3% | +2.7% |
| Std Dev (σ) | 9.6% | 9.2% | 15.2% | 9.5% | 7.9% | 8.6% | 9.5% | 7.4% | 6.5% | 7.3% | 8.5% | 10.2% |
| Consistency (μ/σ) | 0.32 | -0.05 | -0.50 | 0.39 | 0.04 | -0.08 | 0.62 | -0.00 | -0.00 | 0.32 | 1.15 | 0.15 |
| Win Rate (%) | 67% | 42% | 25% | 67% | 58% | 64% | 64% | 55% | 36% | 75% | 83% | 58% |
| Winning / Losing Months | ▲8▼4 | ▲5▼7 | ▲3▼9 | ▲8▼4 | ▲7▼5 | ▲7▼4 | ▲7▼4 | ▲6▼5 | ▲4▼7 | ▲9▼3 | ▲10▼2 | ▲7▼5 |
| Longest Win / Loss Streak | ▲3▼2 | ▲2▼4 | ▲1▼4 | ▲3▼2 | ▲3▼3 | ▲3▼2 | ▲4▼2 | ▲2▼2 | ▲1▼3 | ▲4▼1 | ▲4▼1 | ▲2▼2 |
| Best | +15.1%in January 2019 | +20.5%in February 2021 | +15.6%in March 2024 | +21.2%in April 2020 | +9.4%in May 2025 | +10.9%in June 2025 | +23.7%in July 2023 | +11.5%in August 2016 | +14.3%in September 2017 | +19.0%in October 2022 | +27.2%in November 2016 | +21.6%in December 2023 |
| Worst | -18.9%in January 2016 | -15.0%in February 2020 | -40.6%in March 2020 | -13.1%in April 2022 | -15.5%in May 2023 | -15.2%in June 2016 | -7.2%in July 2021 | -11.6%in August 2023 | -6.3%in September 2022 | -11.0%in October 2023 | -2.6%in November 2018 | -18.2%in December 2018 |
−40.6%+27.2%
2026
Jan+7.8%
Feb-3.8%
Mar-0.4%
Apr+8.5%
May-4.3%
Jun+8.7%
Jul—
Aug—
Sep—
Oct—
Nov—
Dec—
2025
Jan+9.7%
Feb-3.8%
Mar-10.5%
Apr-8.9%
May+9.4%
Jun+10.9%
Jul+7.6%
Aug+9.6%
Sep+1.7%
Oct-3.4%
Nov+6.3%
Dec+8.0%
2024
Jan-0.1%
Feb-4.0%
Mar+15.6%
Apr-4.8%
May+3.4%
Jun+2.1%
Jul+19.6%
Aug+0.9%
Sep-4.6%
Oct+3.6%
Nov+14.3%
Dec-9.1%
2023
Jan+11.1%
Feb-3.6%
Mar-27.3%
Apr+1.9%
May-15.5%
Jun+1.2%
Jul+23.7%
Aug-11.6%
Sep-4.7%
Oct-11.0%
Nov+16.4%
Dec+21.6%
2022
Jan+9.8%
Feb+1.9%
Mar-13.5%
Apr-13.1%
May+6.1%
Jun-13.7%
Jul+6.4%
Aug-2.3%
Sep-6.3%
Oct+19.0%
Nov+4.7%
Dec-7.1%
2021
Jan+1.9%
Feb+20.5%
Mar+1.6%
Apr+5.7%
May+7.8%
Jun-8.1%
Jul-7.2%
Aug+3.9%
Sep+7.3%
Oct+1.7%
Nov-0.2%
Dec-0.1%
2020
Jan-7.2%
Feb-15.0%
Mar-40.6%
Apr+21.2%
May+7.6%
Jun+4.7%
Jul-0.2%
Aug+4.3%
Sep-2.3%
Oct+9.3%
Nov+19.9%
Dec+9.5%
2019
Jan+15.1%
Feb+8.9%
Mar-12.0%
Apr+12.3%
May-10.0%
Jun+8.6%
Jul+6.4%
Aug-9.4%
Sep+4.8%
Oct+0.4%
Nov+9.4%
Dec+5.6%
2018
Jan+9.9%
Feb-5.3%
Mar-3.5%
Apr-1.2%
May-1.0%
Jun-4.8%
Jul+2.9%
Aug+3.5%
Sep-6.3%
Oct-2.4%
Nov-2.6%
Dec-18.2%
2017
Jan+1.9%
Feb+3.3%
Mar-7.5%
Apr+6.3%
May-6.7%
Jun+4.6%
Jul-1.2%
Aug-5.6%
Sep+14.3%
Oct+0.9%
Nov+7.1%
Dec+3.2%
2016
Jan-18.9%
Feb-9.1%
Mar+9.0%
Apr+9.1%
May+3.6%
Jun-15.2%
Jul+11.8%
Aug+11.5%
Sep-0.2%
Oct+7.1%
Nov+27.2%
Dec+6.3%
2015
Jan-3.9%
Feb+4.4%
Mar-2.8%
Apr+7.9%
May+3.4%
Jun+1.8%
Jul-4.1%
Aug-4.8%
Sep-3.8%
Oct+1.8%
Nov+10.0%
Dec-1.6%
2014
Jan—
Feb—
Mar—
Apr—
May—
Jun—
Jul—
Aug—
Sep—
Oct+0.8%
Nov+4.8%
Dec+0.9%
Avg
Jan+3.1%
Feb-0.5%
Mar-7.7%
Apr+3.7%
May+0.3%
Jun-0.7%
Jul+6.0%
Aug-0.0%
Sep-0.0%
Oct+2.3%
Nov+9.8%
Dec+1.6%
Median
Jan+4.9%
Feb-3.7%
Mar-5.5%
Apr+6.0%
May+3.4%
Jun+1.8%
Jul+6.4%
Aug+0.9%
Sep-2.3%
Oct+1.3%
Nov+8.2%
Dec+2.0%
Last 5Y Avg
Jan+7.7%
Feb-2.7%
Mar-7.2%
Apr-3.3%
May-0.2%
Jun-1.5%
Jul+10.0%
Aug+0.1%
Sep-1.3%
Oct+2.0%
Nov+8.3%
Dec+2.7%
Std Dev (σ)
Jan9.6%
Feb9.2%
Mar15.2%
Apr9.5%
May7.9%
Jun8.6%
Jul9.5%
Aug7.4%
Sep6.5%
Oct7.3%
Nov8.5%
Dec10.2%
Consistency (μ/σ)
Jan0.32
Feb-0.05
Mar-0.50
Apr0.39
May0.04
Jun-0.08
Jul0.62
Aug-0.00
Sep-0.00
Oct0.32
Nov1.15
Dec0.15
Win Rate (%)
Jan67%
Feb42%
Mar25%
Apr67%
May58%
Jun64%
Jul64%
Aug55%
Sep36%
Oct75%
Nov83%
Dec58%
Winning / Losing Months
Jan▲8▼4
Feb▲5▼7
Mar▲3▼9
Apr▲8▼4
May▲7▼5
Jun▲7▼4
Jul▲7▼4
Aug▲6▼5
Sep▲4▼7
Oct▲9▼3
Nov▲10▼2
Dec▲7▼5
Longest Win / Loss Streak
Jan▲3▼2
Feb▲2▼4
Mar▲1▼4
Apr▲3▼2
May▲3▼3
Jun▲3▼2
Jul▲4▼2
Aug▲2▼2
Sep▲1▼3
Oct▲4▼1
Nov▲4▼1
Dec▲2▼2
Best
Jan+15.1%2019
Feb+20.5%2021
Mar+15.6%2024
Apr+21.2%2020
May+9.4%2025
Jun+10.9%2025
Jul+23.7%2023
Aug+11.5%2016
Sep+14.3%2017
Oct+19.0%2022
Nov+27.2%2016
Dec+21.6%2023
Worst
Jan-18.9%2016
Feb-15.0%2020
Mar-40.6%2020
Apr-13.1%2022
May-15.5%2023
Jun-15.2%2016
Jul-7.2%2021
Aug-11.6%2023
Sep-6.3%2022
Oct-11.0%2023
Nov-2.6%2018
Dec-18.2%2018
−40.6%+27.2%
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