Citizens Financial Group stock
CFGNYSECitizens Financial Group, Inc., Financial ServicesISIN US1746101054
66Score 66 out of 100, Neutral
Price and trend
54 / 100
Price history
+25% in one yearThe chart shows daily closes over 12 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Below the 200-day line: the price is 0.5% below it.
Since November 2026 the 50-day line has been below the 200-day line; the trend has turned down.
Normal: the price is neither overheated nor sold off (RSI 51).
The price is 13% below its 52-week high. Largest decline in 12 years: 68% (January 2018 to March 2020).
Chart figures for advanced users
- SMA 50$65.64
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$65.69
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)51
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$49.71
- The lowest closing price of the last twelve months.
- Resistance$74.73
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Citizens Financial Group, Inc. belongs to the Banks (Regional) industry (United States) and, with a market value of $27.41B, is number 51 of 422 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $7.34B (down 5.9% year on year) and earnings of $1.83B (up 21.3%).
- For fiscal 2026, analysts expect on average revenue of $9.17B (up 25%) and adjusted earnings per share of $5.31 (up 37.3%).
Show more
- MEQIRI Score 66 out of 100 (Neutral): rank 562 of 976 in Financial Services, median 68.
- The P/E is 13.1 (Banks (Regional) median 12.2, own median of recent years 11.8).
- Our model puts fair value at $70.50, with the price 7% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Consistently profitableProfit in all 10 fiscal years from 2016 to 2025.Fundamentals 76
- Reliable dividendNo dividend cut for 12 years.Capital allocation 69
- Analysts expect strong earnings growthUp 17.2% a year through 2028 (estimates from 14 analysts).Growth 66
Weaknesses
None of our weakness checks flags anything. Crash risk is measured separately.
Its standout strengths are stability and fundamentals, while profitability holds the score back.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
Score since yesterday from 67 to 66.
The fundamentals are strong overall.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk medium
How well MEQIRI warnsIn the middle among stocks ranked 101 to 1,000.
From 2016 to 2025, 13 in 100 such stocks fell 30% or more within a year, against a group average of 15 in 100.
What lowers it
- calm price action
Valuation
Valuation signal
Fairly valuedIn our model the price counts as cheap below $54.23 and expensive above $100.71 (uncertainty medium, based on the price swings of the past year).
The two parts of the fair value come to $79.91 (excess return model) and $61.08 (industry comparison), and the gap between them shows how uncertain the estimate is.
Calculated with a cost of equity of 8.8%. At 9.8% the fair value would be $63.84, at 7.8% it would be $80.48.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (12.2).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue rose 10.7% on the twelve months before. Revenue has stayed largely stable since 2011.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 32%, net 25%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 21 Jan 2027in 70 days
- Last reported
- 16 Oct 2026EPS reported $1.41 (expected $1.39)in line with expectations
Analyst estimates
Earnings estimates have barely changed since 15 Oct 2026.
- Earnings per share
- $5.31+0.2%
- Revenue
- $9.17B−0.2%
- Earnings per share
- $6.48−0.1%
- Revenue
- $9.98B0.0%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook raised
Share price after the results: +1.8%Revenue is trending above the initial guidance range and 2026 positive operating leverage is expected above 600 basis points, more than at the start of the year.
“Revenue is trending above our initial guidance range, which combined with expense discipline, puts us on track to deliver over 600 basis points of positive operating leverage for the full year.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 16 Jul 2026 (fiscal Q2 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
No open-market purchases in the last 6 months. One insider sold, $9.32M in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
- Van Saun BruceSale
24 Jul 2026, Chairman and CEO
- Shares
- 129,369
- Price
- $72.07
- Value
- $9.32M
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Citizens Financial Group
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 66
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Banks (Regional)
The next larger and next smaller companies by market value
- Shinhan Financial GroupSHG $29.29B59
- Sumitomo Mitsui Trust Holdings8309.T $29.24B72
- Raiffeisen Bank InternationalRBI.VI $29.12B73
- China Everbright Bank601818.SS $27.9B49
- AIB GroupA5G.IR $26.94B73
- Banco BradescoBBD $26.73B60
- Banco Santander (Brasil)BSBR $26.5B46
- E.SUN Financial Holding2884.TW $25.68B69
ETFs that hold Citizens Financial Group
Held by 121 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| iShares S&P U.S. Banks UCITS ETFIUS2 | 3.90% | 0.35% | €1B |
| iShares Dow Jones U.S. Select Dividend UCITS ETF (DE)EXX5 | 1.02% | 0.31% | €415.03M |
| iShares STOXX Global Select Dividend 100 UCITS ETF (DE)ISPA | 0.60% | 0.46% | €5.31B |
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| WisdomTree US Equity Income UCITS ETF EUR Hedged AccWTDY | 0.56% | 0.35% | €204.34M |
| WisdomTree US High Dividend UCITS ETF AccWTD9 | 0.54% | 0.29% | €182.46M |
| Invesco S&P 500 QVM UCITS ETFQVMP | 0.45% | 0.35% | €50.82M |
| State Street SPDR MSCI USA Value UCITS ETF USD AccZPRU | 0.43% | 0.20% | €294.97M |
| UBS Factor MSCI USA Prime Value Screened UCITS ETF hEUR accUBUW | 0.41% | 0.28% | €127.84M |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 11 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral, published since 7 Nov 2026 (in the score history since 24 Oct 2026)
- Valuation signal Fairly valued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.