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Citizens Financial Group, Inc. (CFG) Stock Analysis

HoldModerate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $61.33, but acceptable to hold if already in. Reasons: Thin upside margin: 7.3%; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.4).

Citizens Financial Group is a regional bank holding company headquartered in Providence, RI, with $226.4B in total assets and ~1,000 branches across 14 states in New England, Mid-Atlantic, and Midwest. Operates Consumer Banking and Commercial Banking segments; primary regulator... Read more

$61.33+7.3% A.UpsideScore 6.4/10#17 of 142 Banks - Regional
QualityF-score8 / 9FCF yield
IncomeYield3.01%(5y avg 4.13%)Payout41.71%sustainable
Stop $58.33Target $65.83(analyst − 10%)A.R:R 1.5:1
Analyst target$73.15+19.3%17 analysts
$65.83our TP
$61.33price
$73.15mean
$80

Hold if already holding. Not a fresh buy at $61.33, but acceptable to hold if already in. Reasons: Thin upside margin: 7.3%; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.4). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. Score 6.4/10, moderate confidence.

Passes 8/9 gates (positive momentum, favorable risk/reward ratio, clean insider activity, no SEC red flags, news events none recent, earnings proximity 57d clear, semi cycle peak clear, materials cycle peak clear). Suitability: moderate.

Recent Developments — Citizens Financial Group, Inc.

Generated 2026-05-20T20:21:21Z.

Thesis

Rewards
Sector modifier (Financial Services): +1.0
Strong earnings beat streak (4/4)
Attractive valuation
Risks
Thin upside margin: 7.3%
V7 low-quality RISK_OFF penalty: -0.5 (Q=5.4)

Key Metrics

P/E (TTM)14.5
P/E (Fwd)9.6
Mkt Cap$25.9B
EV/EBITDA
Profit Mgn25.0%
ROE7.7%
Rev Growth13.8%
Beta1.04
Dividend3.01%
Rating analysts23

Quality Signals

Piotroski F8/9

Options Flow

P/C1.75bearish
IV36%normal

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

10 dimensions · all in-band

GatesMomentum 5.0<5.5 (soft — BUY_NOW allowed but watch)Momentum 5.0>=4.5A.R:R 1.5 ≥ 1.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 57d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARSuitability: Moderate
RSI
39 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $59.74Resistance $66.00

Price Targets

$58
$66
A.Upside+7.3%
A.R:R1.5:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeRisk-Off

Analyst Consensus

Analysts23
Consensus4.2/5
Avg Target$73

Earnings

B
B
B
B
4/4 beats
Next Earnings2026-07-16 (57d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is CFG stock a buy right now?

Hold if already holding. Not a fresh buy at $61.33, but acceptable to hold if already in. Reasons: Thin upside margin: 7.3%; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.4). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. Target $65.83 (+7.3%), stop $58.33 (−5.1%), A.R:R 1.5:1. Score 6.4/10, moderate confidence.

What is the CFG stock price target?

Take-profit target: $65.83 (+7.3% upside). Target $65.83 (+7.3%), stop $58.33 (−5.1%), A.R:R 1.5:1. Stop-loss: $58.33.

What are the risks of investing in CFG?

Thin upside margin: 7.3%; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.4).

Is CFG overvalued or undervalued?

Citizens Financial Group, Inc. trades at a P/E of 14.5 (forward 9.6). TrendMatrix value score: 8.3/10. Verdict: Hold.

What do analysts say about CFG?

23 analysts cover CFG with a consensus score of 4.2/5. Average price target: $73.

What does Citizens Financial Group, Inc. do?Citizens Financial Group is a regional bank holding company headquartered in Providence, RI, with $226.4B in total...

Citizens Financial Group is a regional bank holding company headquartered in Providence, RI, with $226.4B in total assets and ~1,000 branches across 14 states in New England, Mid-Atlantic, and Midwest. Operates Consumer Banking and Commercial Banking segments; primary regulator for the holding company is FRB (via Federal Reserve Bank of Boston) and for CBNA (banking subsidiary) is OCC.

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