CFG - Citizens Financial Group, Inc.

CFG

$70.32 0.04 (-0.06%) Last updated: Jul 15, 2026 06:01

52-Week Range

$70.32

$45.91 $70.32 $72.94

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 15.3 PEG 0.56 P/B 1.14 P/S 2.64

Intrinsic value (DCF)

+365.3% upside vs price

Profitability

Net margin 17.5%

Risk (Beta)

1 — in line vol

Earnings & growth

EPS $4.59 Rev +40.3% Profit -2.1% 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 — 66% confidence Risk: Moderate Volatility — Beta 1. Diversify and only invest what you can afford to lose.

Supporting (Buy):

DCF +365.3% upside vs price · Analyst grade: B

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

Key Stats

Market Cap

$29.74B

P/E (TTM)

15.31

EPS (TTM)

$4.59

Dividend Yield

2.56%

52-Week Range

$45.91 - $72.94

Volume vs Avg

N/A

Beta

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: 17,380

IPO Date: Sep 2014

Website: www.citizensbank.com

Beta: 1 (Similar volatility than market)

Ratings & Grades at a Glance

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

Financial story & AI narrative

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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 $327.18; current price is $70.32. That’s a +365.3% 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)	15.31
DCF value (model)	$327.18 (365.3% upside)
PEG (TTM)	0.56
P/B (TTM)	1.14
P/S (TTM)	2.64
P/FCF (TTM)	11.89
Liquidity & enterprise
Current Ratio (TTM)	228.33
Quick Ratio (TTM)	228.33
Cash Ratio (TTM)	228.33
Profitability
ROE (TTM)	N/A
ROA (TTM)	N/A
Revenue growth (YoY)	N/A
Net margin (TTM)	17.51%
Gross margin (TTM)	71.13%
Operating margin (TTM)	22.26%
Debt to equity (TTM)	N/A

Latest News

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Price Target, Ratings & Grades

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

Analyst Sentiment at a Glance

B Sentiment Mixed

Buy 8Hold 4Neutral 1Outperform 9Overweight 8

1 upgrade, 1 downgrade

Price Target Consensus

Current $70.32

Median $73.00

Consensus $74.00

Low consensus $70.00

High consensus $80.00

Stock Grades (Institutions)

Institution	Action	Previous Grade	New Grade	Date
UBS	maintain	Buy	Buy	2026-07-07
JP Morgan	maintain	Overweight	Overweight	2026-07-06
Evercore ISI Group	maintain	Outperform	Outperform	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
Keefe, Bruyette & Woods	maintain	Outperform	Outperform	2026-04-17
Truist Securities	maintain	Hold	Hold	2026-04-17
RBC Capital	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
Cantor Fitzgerald	maintain	Overweight	Overweight	2026-03-03
Morgan Stanley	maintain	Overweight	Overweight	2026-03-02
JP Morgan	maintain	Overweight	Overweight	2026-02-09
Evercore ISI Group	maintain	Outperform	Outperform	2026-02-05
Truist Securities	maintain	Hold	Hold	2026-01-26
Citigroup	maintain	Buy	Buy	2026-01-26
Argus Research	maintain	Buy	Buy	2026-01-23
TD Cowen	maintain	Buy	Buy	2026-01-22
DA Davidson	maintain	Buy	Buy	2026-01-22
RBC Capital	maintain	Outperform	Outperform	2026-01-22
Keefe, Bruyette & Woods	maintain	Outperform	Outperform	2026-01-22
B of A Securities	maintain	Buy	Buy	2026-01-22