CFG - Citizens Financial Group, Inc.

CFG

$72.99 +0.32 (+0.44%)

After Hours: $72.99 +0.00 (+0.00%)

Last updated: Aug 11, 2026 20:40

52-Week Range

$72.99

$47.21 $72.99 $74.70

Fundamentals Overview

Citizens Financial Group, Inc. is near the high of its 52-week range with attractive valuation, trading relatively flat today.

Valuation attractive

P/E 14.7 PEG 0.44 P/B 1.18 P/S 2.69

Intrinsic value (DCF)

+348.9% upside vs price

Profitability

Net margin 18.5%

Risk (Beta)

1.01 — in line vol

Earnings & growth

EPS $4.98 Rev +5.6% Profit +13.5% vs prior qtr

BullzEye Analysis

Our composite tilts Buy on technicals (e.g. RSI, ADX, trend), fundamentals, sentiment, sector and index context, and risk.

Composite Signal

Sell

Buy

Buy — 70% confidence Risk: Moderate Volatility — Beta 1.01. Diversify and only invest what you can afford to lose.

Supporting (Buy):

DCF +348.9% upside vs price · Analyst grade: B · 3M vs S&P 500: +10.1%

Not financial advice. For education and research only; do your own research and consider a financial advisor before investing.

Key Stats

Market Cap

$30.87B

P/E (TTM)

14.65

EPS (TTM)

$4.98

Dividend Yield

2.52%

52-Week Range

$47.21 - $74.70

Volume vs Avg

N/A

Beta

1.01

About

Citizens Financial Group, Inc. (CFG) functions as the holding company for Citizens Bank, National Association, a major financial institution offering a comprehensive suite of retail and commercial banking solutions across the United States. It serves a broad spectrum of clients, from individual consumers and small enterprises to large corporations and various institutions. Its business is segmented into two primary divisions: Consumer Banking and Commercial Banking. The Consumer Banking division...

Sector: Financial Services

Headquarters: US

Employees: 17,727

IPO Date: Sep 2014

Website: www.citizensbank.com

Beta: 1.01 (More volatile than market)

Ratings & Grades at a Glance

Overall rating: B. Recent institutional grades: mixed. Current institutional positions: Buy: 6, Equal Weight: 1, Hold: 4, Neutral: 2, Outperform: 9, Overweight: 8.

Financial story & AI narrative

Open this tab to load the financial story.

Valuation & Ratios

Valuation, liquidity, and profitability metrics are consolidated here (including ratios that previously appeared in the Financials story). Trailing (TTM) vs forward-looking (e.g. DCF) is noted on each line where it matters.

DCF vs price: DCF estimate is $327.69; current price is $72.99. That’s a +348.9% gap. When the gap is large (e.g. >20%), that’s divergence; when they’re close, that’s convergence. Differences can reflect growth expectations, sector premiums, or conservative vs. optimistic assumptions. Use DCF as one input alongside technicals and sentiment.

Metric	Value
Valuation
P/E (TTM)	14.65
DCF value (model)	$327.69 (348.9% upside)
PEG (TTM)	0.44
P/B (TTM)	1.18
P/S (TTM)	2.69
P/FCF (TTM)	13.12
Liquidity & enterprise
Current Ratio (TTM)	11.01
Quick Ratio (TTM)	11.01
Cash Ratio (TTM)	11.01
Profitability
ROE (TTM)	N/A
ROA (TTM)	N/A
Revenue growth (YoY)	N/A
Net margin (TTM)	18.54%
Gross margin (TTM)	72.37%
Operating margin (TTM)	23.64%
Debt to equity (TTM)	N/A

Latest News

News loads when you open this tab.

Price Target, Ratings & Grades

Analyst price targets, consensus, rating snapshot, and institutional grades for CFG.

Analyst Sentiment at a Glance

B Sentiment Mixed

Buy 6Equal Weight 1Hold 4Neutral 2Outperform 9Overweight 8

1 upgrade, 1 downgrade

Price Target Consensus

Current $72.99

Median $80.00

Consensus $78.75

Low consensus $70.00

High consensus $90.00

Stock Grades (Institutions)

Institution	Action	Previous Grade	New Grade	Date
JP Morgan	maintain	Overweight	Overweight	2026-07-29
Truist Securities	maintain	Hold	Hold	2026-07-21
Citigroup	maintain	Buy	Buy	2026-07-20
RBC Capital	maintain	Outperform	Outperform	2026-07-17
Evercore ISI Group	maintain	Outperform	Outperform	2026-07-17
DA Davidson	maintain	Buy	Buy	2026-07-17
Baird	maintain	Neutral	Neutral	2026-07-17
Stephens & Co.	maintain	Equal Weight	Equal Weight	2026-07-17
Barclays	maintain	Overweight	Overweight	2026-07-17
Keefe, Bruyette & Woods	maintain	Outperform	Outperform	2026-07-17
Jefferies	maintain	Buy	Buy	2026-07-16
Cantor Fitzgerald	maintain	Overweight	Overweight	2026-07-15
UBS	maintain	Buy	Buy	2026-07-07
Evercore ISI Group	maintain	Outperform	Outperform	2026-07-06
JP Morgan	maintain	Overweight	Overweight	2026-07-06
Baird	downgrade	Outperform	Neutral	2026-07-06
Morgan Stanley	maintain	Overweight	Overweight	2026-06-29
Truist Securities	maintain	Hold	Hold	2026-06-24
Citigroup	maintain	Buy	Buy	2026-06-23
JP Morgan	maintain	Overweight	Overweight	2026-04-30
Evercore ISI Group	maintain	Outperform	Outperform	2026-04-21
DA Davidson	maintain	Buy	Buy	2026-04-20
RBC Capital	maintain	Outperform	Outperform	2026-04-17
Truist Securities	maintain	Hold	Hold	2026-04-17
Keefe, Bruyette & Woods	maintain	Outperform	Outperform	2026-04-17
JP Morgan	maintain	Overweight	Overweight	2026-04-07
Evercore ISI Group	maintain	Outperform	Outperform	2026-04-06
Morgan Stanley	maintain	Overweight	Overweight	2026-03-31
Truist Securities	maintain	Hold	Hold	2026-03-23
Baird	upgrade	Neutral	Outperform	2026-03-09