CFG
NEUTRAL
$63.79
Live
Citizens Financial Group, Inc. · NYSE
Target $72.82
(+14.2%)
$35.9
52W Range
$68.79
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 25, 2026
Market cap
$27.18B
P/E
15.12
ROE
7.7%
Profit margin
25.0%
Debt/Equity
N/A
Dividend yield
2.88%
AI Analysis
AI-powered fundamental assessment
Confidence
85%
CFG presents a stark contrast between fundamental value and operational health, highlighted by a weak Piotroski F-Score of 2/9. While the stock is significantly undervalued relative to its Graham Number ($73.23) and Intrinsic Value ($124.49), the low health score and bearish technical trend (10/100) suggest underlying instability. Strong YoY earnings growth of 46.8% and a consistent track record of EPS beats provide a bullish growth narrative, but these are offset by poor deterministic health metrics and bearish insider sentiment.
Key Strengths
Significant undervaluation relative to Graham Number ($73.23) and Intrinsic Value ($124.49)
Strong earnings growth (YoY +46.8%) and revenue growth (YoY +13.8%)
Excellent earnings track record with consistent beats over 25 quarters
Sustainable dividend profile with a conservative payout ratio of 41.71%
Strong analyst consensus with a 'strong_buy' rating and target price of $72.82
Key Risks
Critically low Piotroski F-Score (2/9) indicating weak financial health trends
Strongly bearish technical trend (10/100) suggesting negative price momentum
Bearish insider sentiment with net selling activity
Low Return on Equity (ROE) of 7.74% compared to high-performing peers
Exposure to regional banking sector volatility and interest rate risks
AI Fair Value Estimate
Based on comprehensive analysis
$82.5
+29.3% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
69
Strong
85
80
90
20
70
AI Verdict
Value Trap Risk
Key drivers: Deep valuation discount, Strong EPS growth, Poor operational health (F-Score), Bearish technicals
Confidence
80%
Value
85/100
Ref P/E, PEG, Graham Number
Positives
- Price below Graham Number
- Attractive Forward P/E of 9.99
- P/B ratio of 1.13 is reasonable for regional banks
Watchpoints
- PEG ratio of 1.65 suggests growth is not entirely cheap
Future
80/100
Ref Growth rates
Positives
- High YoY earnings growth (46.8%)
- Positive Q/Q revenue growth (9.16%)
Watchpoints
- Recent Q/Q EPS growth stalled at 0.0%
Past
90/100
Ref Historical trends
Positives
- Consistent history of beating earnings estimates
- Strong 1Y price performance (+76.6%)
Watchpoints
No urgent risks highlighted.
Health
20/100
Ref Altman Z-Score, Piotroski F-Score
Positives
No standout positives identified.
Watchpoints
- Piotroski F-Score of 2/9 is in the 'Weak' category
Dividend
70/100
Ref Yield, Payout
Positives
- Sustainable payout ratio (41.71%)
- Consistent dividend rate
Watchpoints
- Yield (2.88%) is modest for the banking sector
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$63.79
Analyst Target
$72.82
Upside/Downside
+14.2%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for CFG and closest competitors.
Updated 2026-04-24
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
CFG
Citizens Financial Group, Inc.
Primary
|
+71.9% | +152.8% | +76.6% | +24.2% | +7.3% | -1.0% |
|
BRO
Brown & Brown, Inc.
Peer
|
+71.6% | +37.5% | -24.3% | -23.1% | -2.0% | -1.0% |
|
BAP
Credicorp Ltd.
Peer
|
+143.6% | +167.7% | +99.6% | +46.0% | +19.0% | +7.0% |
|
WTW
Willis Towers Watson Public Limited Company
Peer
|
+34.4% | +25.8% | -9.6% | -11.7% | -0.5% | -1.7% |
|
LPLA
LPL Financial Holdings Inc.
Peer
|
+123.1% | +60.7% | +3.9% | +1.5% | +11.4% | +9.3% |
CFG
Citizens Financial Group, Inc.
Primary
5Y
+71.9%
3Y
+152.8%
1Y
+76.6%
6M
+24.2%
1M
+7.3%
1W
-1.0%
BRO
Brown & Brown, Inc.
Peer
5Y
+71.6%
3Y
+37.5%
1Y
-24.3%
6M
-23.1%
1M
-2.0%
1W
-1.0%
BAP
Credicorp Ltd.
Peer
5Y
+143.6%
3Y
+167.7%
1Y
+99.6%
6M
+46.0%
1M
+19.0%
1W
+7.0%
WTW
Willis Towers Watson Public Limited Company
Peer
5Y
+34.4%
3Y
+25.8%
1Y
-9.6%
6M
-11.7%
1M
-0.5%
1W
-1.7%
LPL
LPL Financial Holdings Inc.
Peer
5Y
+123.1%
3Y
+60.7%
1Y
+3.9%
6M
+1.5%
1M
+11.4%
1W
+9.3%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
15.12
Forward P/E
9.99
PEG Ratio
1.65
P/B Ratio
1.13
P/S Ratio
3.45
EV/Revenue
3.61
EV/EBITDA
N/A
Market Cap
$27.18B
Profitability
Profit margins and return metrics
Profit Margin
25.05%
Operating Margin
32.05%
Gross Margin
N/A
ROE
7.74%
ROA
0.88%
Growth
Revenue and earnings growth rates
Revenue Growth
+13.8%
Earnings Growth
+46.8%
Q/Q Revenue Growth
+9.16%
Q/Q Earnings Growth
+38.6%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$30.89
Quarterly Earnings History
EPS performance vs analyst estimates
2026-07-16
$N/A
2026-04-16
$1.13
+3.7% surprise
2026-01-21
$1.13
+2.2% surprise
2025-10-15
$1.05
+2.3% surprise
Financial Services Sector Comparison
Comparing CFG against 648 companies in the Financial Services sector
(117 bullish, 268 neutral, 263 bearish)
P/E Ratio
15.12
This Stock
vs
38.87
Sector Avg
-61.1%
(Discount)
Return on Equity (ROE)
7.74%
This Stock
vs
-1.01%
Sector Avg
-867.0%
(Below Avg)
Profit Margin
25.05%
This Stock
vs
57.27%
Sector Avg
-56.3%
(Weaker)
Revenue Growth
13.8%
This Stock
vs
40.3%
Sector Avg
-65.8%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
CFG
Citizens Financial Group, Inc.
|
NEUTRAL | $27.18B | 15.12 | 7.7% | 25.0% | $63.79 | |
|
BRO
Brown & Brown, Inc.
|
NEUTRAL | $27.03B | 23.78 | 10.7% | 18.7% | $79.18 | Compare |
|
BAP
Credicorp Ltd.
|
NEUTRAL | $27.33B | 14.35 | 18.5% | 31.6% | $344.33 | Compare |
|
WTW
Willis Towers Watson...
|
NEUTRAL | $27.5B | 17.89 | 20.1% | 16.5% | $290.89 | Compare |
|
LPLA
LPL Financial Holdings Inc.
|
NEUTRAL | $25.81B | 29.5 | 20.9% | 5.2% | $321.89 | Compare |
CFG
Citizens...
NEUTRAL
Mkt Cap
$27.2B
P/E
15.1
ROE
7.7%
Price
$63.79
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-11 | LAMONICA SUSAN | Officer | Sale | 13,258 | $769,494 |
| 2026-02-27 | BANERJEE AUNOY | Chief Financial Officer | Stock Award | 12,335 | - |
| 2026-02-27 | LAMONICA SUSAN | Officer | Stock Award | 12,149 | - |
| 2026-02-27 | COUGHLIN BRENDAN | President | Stock Award | 26,499 | - |
| 2026-02-27 | STEIN RICHARD L | Officer | Stock Award | 12,958 | - |
| 2026-02-27 | RUTTLEDGE MICHAEL | Chief Technology Officer | Stock Award | 11,879 | - |
| 2026-02-27 | SCHNIREL CHRISTOPHER J | Officer | Stock Award | 5,814 | - |
| 2026-02-27 | MOOSALLY MICHELLE | Officer | Stock Award | 7,060 | - |
| 2026-02-27 | SWIMMER THEODORE C | Officer | Stock Award | 20,383 | - |
| 2026-02-27 | VAN SAUN BRUCE W | Chief Executive Officer | Stock Award | 51,916 | - |
| 2026-02-27 | MCCREE DONALD H III | Officer | Stock Award | 52,334 | - |
| 2026-02-18 | CUMMING CHRISTINE M | Director | Stock Award | 283 | - |
| 2026-02-18 | ALEXANDER LEE | Director | Stock Award | 163 | - |
| 2026-02-18 | WADE CLAUDE E. | Director | Stock Award | 34 | - |
| 2026-02-18 | LILLIS TERRANCE J | Director | Stock Award | 258 | - |
LAMONICA SUSAN
Officer
2026-03-11
13,258 shares
·
$769,494
BANERJEE AUNOY
Chief Financial Officer
2026-02-27
12,335 shares
LAMONICA SUSAN
Officer
2026-02-27
12,149 shares
COUGHLIN BRENDAN
President
2026-02-27
26,499 shares
STEIN RICHARD L
Officer
2026-02-27
12,958 shares
RUTTLEDGE MICHAEL
Chief Technology Officer
2026-02-27
11,879 shares
SCHNIREL CHRISTOPHER J
Officer
2026-02-27
5,814 shares
MOOSALLY MICHELLE
Officer
2026-02-27
7,060 shares
SWIMMER THEODORE C
Officer
2026-02-27
20,383 shares
VAN SAUN BRUCE W
Chief Executive Officer
2026-02-27
51,916 shares
MCCREE DONALD H III
Officer
2026-02-27
52,334 shares
CUMMING CHRISTINE M
Director
2026-02-18
283 shares
ALEXANDER LEE
Director
2026-02-18
163 shares
WADE CLAUDE E.
Director
2026-02-18
34 shares
LILLIS TERRANCE J
Director
2026-02-18
258 shares
Insider transactions can signal confidence or concerns about company prospects
SEC Filings
Recent regulatory filings from the SEC EDGAR database
8-K
8-K
DEF 14A
10-K
Citizens Financial Group (CFG) filed its annual 10-K on February 12, 2026, providing comprehensive disclosures on its business operations and financial condition. The filing includes detailed management analysis of results of operations and a dedicated section outlining the company's risk factors.
8-K
8-K
8-K
10-Q
8-K
Data sourced from SEC EDGAR. AI summaries generated automatically.
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
STRONG_BUY
17 analysts
Evercore ISI Group
2026-04-21
Outperform
Outperform
DA Davidson
2026-04-20
Buy
Buy
RBC Capital
2026-04-17
Outperform
Outperform
Truist Securities
2026-04-17
Hold
Hold
Keefe, Bruyette & Woods
2026-04-17
Outperform
Outperform
JP Morgan
2026-04-07
Overweight
Overweight
Evercore ISI Group
2026-04-06
Outperform
Outperform
Morgan Stanley
2026-03-31
Overweight
Overweight
Truist Securities
2026-03-23
Hold
Hold
Baird
2026-03-09
Neutral
Outperform
Past News Coverage
Recent headlines mentioning CFG from our newsroom.
Newest → oldest
No matching news yet.