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As of September 26, 2026, Citizens Financial Group Inc. (CFG) trades at $65.53. CleaRank Financial AI rates it Buy with a fair value of $82.00, 25.1% above the current price. Wall Street's consensus target is $82.00 across 18 analysts. RSI at 27 is in oversold territory, and the price is below its 50-day average of $70.61.
Citizens Financial Group Inc. (CFG)
Citizens Financial Group Inc. NYSE
$65.53
0.8000 (1.24%)
At close: Sep 25, 4:00 PM EDT
AI Analyst Consensus
78 / 100
Citizens Financial Group Inc. (CFG) is currently trading at $65.53, below its 50-day SMA of $70.61 but above its 200-day SMA of $64.99. The stock exhibits oversold momentum with an RSI of 26.5. Wall Street analysts maintain a 'Buy' consensus with a median price target of $82, suggesting a 25.1% upside. The company's financial health is strong, with a low debt-to-equity ratio of 0.01 and a solid profit margin of 26.05%. The dividend yield stands at 2.81%.
The bank is expected to deliver strong earnings growth, with current year EPS estimates at $5.30 and next year's at $6.53, representing year-over-year growth of 37.2% and 23.3% respectively. Revenue growth is also projected to be strong, with an 11.00% increase expected for the current year. Despite recent insider selling totaling $10.5 million, the overall analyst sentiment and forward-looking financial projections support a positive outlook for CFG.
The bank is expected to deliver strong earnings growth, with current year EPS estimates at $5.30 and next year's at $6.53, representing year-over-year growth of 37.2% and 23.3% respectively. Revenue growth is also projected to be strong, with an 11.00% increase expected for the current year. Despite recent insider selling totaling $10.5 million, the overall analyst sentiment and forward-looking financial projections support a positive outlook for CFG.
CFG Price Analysis
Market Metrics
Open
$65.03
Day Range
$64.69 to $65.77
Prev Close
$64.73
Volume
3.85M
52-Week Range
$47.96 to $75.33
Market Cap
$27.60B
Peer Benchmarking
Valuation vs Sector (Financial Services)
Performance vs KBE
Sector Position Analysis
Valuation is broadly in line with sector peers (-13% difference), suggesting fair market pricing relative to industry standards.
CFG Financial Performance
Revenue vs. Earnings
Annual
Quarterly
Earnings Reality Check
Analysis: In the last 3 quarters, CFG beat estimates 3 times. The stock rose 2 times the next day. Price tends to react positively to beats.
CFG Analysis
Company's Health
4/5
12-Month Analyst Target
+25.13% Upside
Median of 18 analysts (12-month)
$82.00
AI Technical Analysis
Citizens Financial Group Inc. (CFG) is currently trading below its 50-day Simple Moving Average (SMA) of $70.61, indicating short-term weakness, but remains above its 200-day SMA of $64.99, suggesting a longer-term uptrend is intact. The Relative Strength Index (RSI) is at 26.5, signaling oversold conditions and a potential for a bounce.
The MACD indicator is at -1.49, suggesting bearish momentum, but the oversold RSI could precede a reversal. Key support is seen around the $64.99 mark (200-day SMA), while resistance lies at the 50-day SMA of $70.61. Volume has been slightly below average, down 10.5%, which could indicate a lack of conviction behind the recent price action.
The MACD indicator is at -1.49, suggesting bearish momentum, but the oversold RSI could precede a reversal. Key support is seen around the $64.99 mark (200-day SMA), while resistance lies at the 50-day SMA of $70.61. Volume has been slightly below average, down 10.5%, which could indicate a lack of conviction behind the recent price action.
ProTips
- With an RSI of 26.5, Citizens Financial Group Inc. (CFG) is in oversold territory, suggesting a potential for a short-term bounce. Consider monitoring for signs of a technical reversal.
- Citizens Financial Group Inc. (CFG) offers a dividend yield of 2.81%. Investors seeking income should evaluate its sustainability against projected earnings and cash flows.
- Despite a moderate sell signal from insiders, the stock's valuation and forward growth estimates remain attractive. Investors may consider a strategy that balances potential upside with the identified risks.
Key Catalysts
Bullish
Strong Forward Earnings Growth Estimates
Analysts project current year EPS to reach $5.30 and next year's to $6.53, representing year-over-year growth of 37.2% and 23.3% respectively, indicating significant earnings potential.
Source: Wall Street EstimatesBullish
Attractive Valuation Relative to Sector
CFG's P/E ratio of 14.28 and P/S ratio of 3.38 are below sector medians, suggesting the stock is undervalued compared to its peers.
Source: Company FundamentalsBearish
Moderate Insider Selling Signal
Insiders have sold approximately $10.5 million worth of shares, signaling a moderate sell-off and potentially indicating a lack of immediate confidence from management.
Source: Insider TransactionsNeutral
Oversold Technical Conditions
The RSI is at 26.5, indicating the stock is oversold and may be due for a technical rebound, though this does not guarantee a price increase.
Source: Technical AnalysisMarket Outlook
Citizens Financial Group Inc. (CFG) is positioned for growth, with Wall Street projecting a median price target of $82, implying a 25.1% upside from the current price of $65.53. The bank's strong revenue growth, projected at 11.00% for the current year, combined with strong earnings estimates, supports this optimistic outlook. The oversold RSI of 26.5 suggests that the stock may be due for a technical rebound.
The primary upside catalysts include continued strong earnings performance and potential operational improvements to boost ROE closer to sector averages. Conversely, significant insider selling and the stock's current position below its 50-day SMA present near-term risks. A failure to capitalize on the oversold conditions or a worsening macroeconomic environment could pressure the stock, but the overall analyst sentiment and growth projections remain favorable.
The primary upside catalysts include continued strong earnings performance and potential operational improvements to boost ROE closer to sector averages. Conversely, significant insider selling and the stock's current position below its 50-day SMA present near-term risks. A failure to capitalize on the oversold conditions or a worsening macroeconomic environment could pressure the stock, but the overall analyst sentiment and growth projections remain favorable.
Key Statistics
| Market Cap | 27.60B |
|---|---|
| P/E Ratio | 14.28 |
| EPS (TTM) | 4.59 |
| Dividend Yield | 2.81% |
| 52 Week High | 75.33 |
| 52 Week Low | 47.96 |
Citizens Financial Group Inc. (CFG) presents a compelling valuation with a Price-to-Earnings (P/E) ratio of 14.28, which is below the sector median of 16.5. Its Price-to-Sales (P/S) ratio of 3.38 is also below the sector average of 3.8. The company demonstrates a Return on Equity (ROE) of 8.27%, which is lower than the sector average of 13.8, but its profit margin of 26.05% and operating margin of 35.13% are strong.
The bank's balance sheet is exceptionally strong, with a debt-to-equity ratio of 0.01, significantly lower than the sector average. While its ROE is currently below the sector median, the projected earnings growth for the current year at 37.2% and next year at 23.3% suggests a positive trajectory. The current valuation appears attractive given these growth prospects and the company's solid financial footing.
The bank's balance sheet is exceptionally strong, with a debt-to-equity ratio of 0.01, significantly lower than the sector average. While its ROE is currently below the sector median, the projected earnings growth for the current year at 37.2% and next year at 23.3% suggests a positive trajectory. The current valuation appears attractive given these growth prospects and the company's solid financial footing.
Earnings & Growth Analysis
Citizens Financial Group Inc. (CFG) has demonstrated consistent positive earnings surprises in its recent quarterly reports. For the quarter ending June 2026, the company reported an Earnings Per Share (EPS) of $1.30, exceeding the estimate of $1.25 by 4%, although the stock saw a 2.7% decline. Prior quarters also showed modest beats, with EPS of $1.13 versus $1.09 in March 2026 and $1.07 versus $1.03 in December 2025. The company's forward EPS estimates are strong, with current year projections at $5.30 and next year at $6.53.
Key Risks
A primary risk for Citizens Financial Group Inc. (CFG) stems from insider selling, with $10.5 million in sales reported, indicating a moderate sell signal from management. Additionally, while the stock is trading above its 200-day SMA, it is below its 50-day SMA, suggesting potential near-term headwinds. The company's ROE of 8.27% also lags behind the sector average of 13.8%, indicating room for operational efficiency improvements.
Technical Indicators
| RSI (14) | 26.50 |
|---|---|
| MACD | -1.49 |
| SMA 50 | 70.61 |
| SMA 200 | 64.99 |
RSI
Oversold
SMA Cross
Bullish
Price vs SMA
Bearish
MACD
Bearish
Golden Cross in effect with the 50-day SMA ($70.61) above the 200-day SMA ($64.99), price is trading below the 50-day SMA, RSI at 26.5 suggests oversold conditions; potential bounce setup.
Market Correlations
How this stock moves relative to other assets
Based on 1 year of daily price data. Correlations may vary over different time periods.
S&P 500 (SPY)
+0.63
Moderate correlation
Nasdaq 100 (QQQ)
+0.50
Moderate correlation
Bitcoin (BTC)
+0.19
Weak correlation
Gold (XAU)
+0.02
Weak correlation
Check Custom Correlation
How does any other asset move with CFG? One year of daily closes, Pearson correlation.
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CFG Trade Plans
Specific entry, exit, and risk management levels
Select Your Trade Bias
Risk Tolerance
Conservative
2%
Aggressive
Portfolio Value
$
Position Size: Enter portfolio size →
Long entry pick an entry style
Conservative
$64.22
2% below current price (Pullback entry)
Lower risk, wait for pullback
Aggressive
$65.53
Buy at current price
Higher risk, immediate entry
Risk Management
STOP LOSS
$62.10
MAX LOSS
-3.3%
Volatility-Adjusted Stop Loss
Calculated based on RSI (26.5) and current market volatility
Profit Targets (Based on Conservative Entry)
TARGET 1
$67.43
+5% (Conservative)
+2.9% (Aggressive)
TARGET 2
$70.64
+10% (Conservative)
+7.8% (Aggressive)
TARGET 3
$73.85
+15% (Conservative)
+12.7% (Aggressive)
Consider scaling out: Take 50% profit at Target 1, 30% at Target 2, let 20% run to Target 3
Calculate Your Trade
Disclaimer
This AI-generated trade plan for CFG is for educational and informational purposes only and does not constitute financial advice. The analysis is based on historical data patterns and technical indicators which may not predict future results. Stock trading involves risk of loss. Verify all data independently and consult a qualified financial advisor. Generated on September 26, 2026.Growth of $10,000
A $10,000 investment in CFG in September 2016 would be worth about $27,350 today, compared with about $36,004 for the same investment in the S&P 500 benchmark.
Compare with Another Ticker
Monte Carlo Projection (10yr)
CleaRank's 10-year Monte Carlo simulation projects that a $10,000 investment in CFG today could grow to about $23,454 by 2036 in the base case, with a bull case near $110,735 and a bear case around $4,967. Projections are statistical simulations, not guarantees.
CFG Stock Price Prediction: 2030
CleaRank's simulation projects a price near $92.16 for CFG by 2030 in the base case, from $65.53 today (1.4x over 4 years). The downside path ends near $34.53. These are outcomes of a Monte Carlo simulation run on CFG's historical return distribution, not price targets, and they assume no dividends are reinvested.
| Year | Downside (10th pct) | Base case | Upside (90th pct) |
|---|---|---|---|
| 2027 | $43.68 | $71.36 | $117 |
| 2028 | $38.82 | $77.71 | $156 |
| 2029 | $36.17 | $84.63 | $198 |
| 2030 | $34.53 | $92.16 | $246 |
| 2031 | $33.49 | $100 | $301 |
| 2032 | $32.84 | $109 | $364 |
| 2033 | $32.48 | $119 | $436 |
| 2034 | $32.34 | $130 | $519 |
| 2035 | $32.37 | $141 | $615 |
| 2036 | $32.55 | $154 | $726 |
Method: 10,000 simulated price paths using CFG's historical volatility and drift, re-run daily. The base case is the median path; the two outer columns are the 10th and 90th percentile outcomes, which widen with time because uncertainty compounds. Simulations are not guarantees, and past volatility does not predict future returns. This is analysis, not investment advice.
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CFG Insider Trading Analysis
Bought
None
No open-market buys
Sold
$10.5M
3 Transactions
Insiders
22
Active Traders
Avg Transaction
$3.5M
Large trades
| Date | Insider | Type | Shares | Value |
|---|---|---|---|---|
| Jul 24, 2026 | VAN SAUN BRUCE W
Chief Executive Officer
|
Sell | 129.4K | $9.3M |
| Feb 10, 2023 | CUMMINGS KEVIN
Director
|
Sell | 90.7K | $3.9M |
| Feb 7, 2023 | CUMMINGS KEVIN
Director
|
Sell | 81.2K | $3.6M |
| Mar 11, 2026 | LAMONICA SUSAN
Officer
|
Sell | 13.3K | $769.5K |
| Dec 11, 2020 | COUGHLIN BRENDAN
Officer
|
Sell | 12.0K | $424.2K |
| May 12, 2026 | MOOSALLY MICHELLE
Officer
|
Sell | 6.1K | $376.1K |
| Apr 19, 2024 | READ CRAIG JACK
Officer
|
Sell | 6.3K | $213.2K |
| Jul 25, 2024 | READ CRAIG JACK
Officer
|
Sell | 3.9K | $170.3K |
| Mar 5, 2024 | READ CRAIG JACK
Officer
|
Sell | 4.5K | $151.2K |
| Mar 13, 2020 | COUGHLIN BRENDAN
Officer
|
Sell | 4.5K | $99.9K |
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Frequently Asked Questions
What is Citizens Financial Group Inc.'s stock price forecast for 2030?
Based on Monte Carlo simulations, Citizens Financial Group Inc.'s (CFG) stock price is projected to be $92.16 in 2030 under a base case scenario. The downside projection is $34.53, while the upside projection reaches $245.95. These figures represent statistical outcomes and are not guaranteed price targets.
Is Citizens Financial Group Inc. stock a buy right now?
Citizens Financial Group Inc. (CFG) is currently rated a 'Buy' by Wall Street analysts, with a median price target of $82, offering a 25.1% upside from the current price of $65.53. The stock's oversold RSI at 26.5 and strong forward earnings estimates support a positive near-term outlook.
What is the current analyst consensus for Citizens Financial Group Inc.?
The current Wall Street consensus for Citizens Financial Group Inc. (CFG) is 'Buy', with 18 analysts covering the stock. This includes 5 'Strong Buy' ratings, 10 'Buy' ratings, and 3 'Hold' ratings, contributing to a Wall Street score of 78 out of 100.
How are Citizens Financial Group Inc.'s recent earnings?
Citizens Financial Group Inc. (CFG) has consistently beaten earnings estimates. Most recently, for the quarter ending June 2026, EPS was $1.30, a 4% surprise over the $1.25 estimate. This follows similar positive surprises in prior quarters, indicating reliable earnings performance.
What are the key risks facing Citizens Financial Group Inc.?
Key risks for Citizens Financial Group Inc. (CFG) include moderate insider selling totaling $10.5 million and the stock trading below its 50-day moving average. Additionally, its Return on Equity (ROE) of 8.27% is below the sector average, suggesting potential for operational improvements.
How does Citizens Financial Group Inc. compare to its sector averages?
Citizens Financial Group Inc. (CFG) trades at a lower P/E ratio (14.28 vs 16.5) and P/S ratio (3.38 vs 3.8) compared to the Financial Services sector median. However, its ROE (8.27%) is below the sector average (13.8%), while its debt-to-equity (0.01) is significantly lower, and its revenue growth (14.7%) is higher than the sector median (11.7%).
What is the dividend yield for Citizens Financial Group Inc.?
Citizens Financial Group Inc. (CFG) offers a dividend yield of approximately 2.81%, with a current annual dividend rate of $1.84 per share.