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As of October 11, 2026, Citizens Financial Group Inc. (CFG) trades at $63.57. CleaRank Financial AI rates it Sell with a fair value of $63.57, in line with the current price. Wall Street's consensus target is $80.00 across 18 analysts. RSI at 29 is in oversold territory, and the price is below its 50-day average of $69.02.
Citizens Financial Group Inc. (CFG)
Citizens Financial Group Inc. NYSE
$63.57
-0.5200 (-0.81%)
At close: Oct 9, 4:00 PM EDT
AI Analyst Consensus
25 / 100
Citizens Financial Group (CFG) is currently trading at $63.57, below its 50-day and 200-day moving averages ($69.02 and $65.27). The stock's RSI is in oversold territory at 28.78, indicating potential for a short-term bounce but overall bearish momentum. Insiders have been net sellers, with over $10.5 million in sales versus no reported purchases, signaling a moderate sell signal. Fundamentally, CFG's valuation appears reasonable with a P/E ratio of 13.85, which is below the sector median of 16.5. However, its profit margin of 26.05% is strong, and its debt-to-equity ratio is exceptionally low at 0.01. Despite these positive fundamental aspects, the current technical and insider sentiment warrants a cautious approach.
CFG Price Analysis
Market Metrics
Open
$63.80
Day Range
$63.16 to $64.09
Prev Close
$64.09
Volume
3.31M
52-Week Range
$47.96 to $75.33
Market Cap
$26.77B
Peer Benchmarking
Valuation vs Sector (Financial Services)
Performance vs KBE
Sector Position Analysis
Valuation is broadly in line with sector peers (-16% 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
3/5
AI Technical Analysis
Citizens Financial Group's stock is currently trading below its 50-day and 200-day moving averages ($69.02 and $65.27), at $69.02 and $65.27 respectively, indicating a bearish trend. The Relative Strength Index (RSI) is at 28.78, signaling oversold conditions which could precede a bounce, but the overall momentum remains weak. Volume has been below average recently, suggesting a lack of strong conviction from buyers. Key resistance levels are now formed by the 50-day and 200-day SMAs. A sustained move above these levels would be required to signal a shift in the bearish trend. Until then, the path of least resistance appears to be lower, with the current price action suggesting further consolidation or potential downside.
ProTips
- Monitor insider activity closely; a shift from net selling to net buying could signal a change in management's confidence.
- The stock is currently oversold according to RSI, suggesting a potential short-term bounce, but a sustained move above the 50-day and 200-day SMAs is needed for a bullish reversal.
- Given the current bearish technicals and insider selling, consider a conservative position sizing or waiting for clearer signals before initiating new long positions.
Key Catalysts
Bearish
Moderate Insider Selling Continues
Insiders have sold over $10.5 million worth of stock with no reported purchases, indicating a lack of confidence and potentially signaling further price pressure.
Source: Insider TransactionsBearish
Trading Below Key Moving Averages
The stock is currently below its 50-day and 200-day moving averages ($69.02 and $65.27), reinforcing a bearish technical trend and suggesting resistance at these levels.
Source: Technical AnalysisBullish
Positive Earnings Beat Trend
Citizens Financial Group has consistently beaten EPS estimates in recent quarters, demonstrating operational efficiency and the potential for future earnings growth.
Source: Earnings ReportsBullish
Strong Sector Growth Estimates
Analyst estimates project strong revenue growth of 11% for the current year and 9% for next year, outpacing the sector median and indicating strong demand for the company's services.
Source: Wall Street EstimatesMarket Outlook
The base case scenario for Citizens Financial Group suggests a potential stabilization around its current price levels, with Wall Street's median target price at $80 indicating an upside of 25.8%. Analyst estimates project earnings growth of 37% for the current year and 23.3% for next year, with revenue growth expected to remain strong at 11% year-over-year. The company's solid profit margins and low debt provide a stable foundation. However, the bearish technical indicators and moderate insider selling present significant headwinds. A shift in insider sentiment towards buying or a decisive break above the 50-day and 200-day moving averages would be necessary to alter the current cautious outlook. Failure to regain upward momentum could lead to further downside, testing lower support levels.
Key Statistics
| Market Cap | 26.77B |
|---|---|
| P/E Ratio | 13.85 |
| EPS (TTM) | 4.59 |
| Dividend Yield | 2.89% |
| 52 Week High | 75.33 |
| 52 Week Low | 47.96 |
Citizens Financial Group's valuation metrics present a mixed picture, with a P/E ratio of 13.85 that is below the sector median of 16.5. The company boasts a strong profit margin of 26.05% and an exceptionally low debt-to-equity ratio of 0.01, indicating a healthy balance sheet. Its return on equity stands at 8.27%, which is below the sector average of 13.8. While the company demonstrates solid profitability and low leverage, its current stock price performance and insider selling trends suggest that the market may be pricing in future headwinds or a lack of significant growth catalysts. The price-to-sales ratio of 3.28 is also notable within the sector.
Earnings & Growth Analysis
Citizens Financial Group recently reported earnings for the quarter ending June 2026, with an EPS of $1.30, beating the estimate of $1.25 by 4%. This followed a slight beat in the prior quarter. However, the stock experienced a -2.7% price change following the most recent earnings release, indicating that the positive earnings surprise did not translate into immediate positive market sentiment. The company has shown consistent earnings beats over the last three reported quarters.
Key Risks
The primary risk for Citizens Financial Group stems from the moderate sell signal indicated by insider transactions, with over $10.5 million in sales and no reported purchases. Additionally, the stock is trading below key technical indicators, including its 50-day and 200-day moving averages, suggesting bearish momentum. The oversold RSI at 28.78, while potentially indicating a near-term bounce, also highlights underlying weakness in the stock's price action.
Technical Indicators
| RSI (14) | 28.78 |
|---|---|
| MACD | -1.57 |
| SMA 50 | 69.02 |
| SMA 200 | 65.27 |
RSI
Oversold
SMA Cross
Bullish
Price vs SMA
Bearish
MACD
Bearish
Golden Cross in effect with the 50-day SMA ($69.02) above the 200-day SMA ($65.27), price is trading below the 50-day SMA, RSI at 28.8 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)
+0.64
Moderate correlation
Nasdaq 100 (QQQ)
+0.51
Moderate correlation
Bitcoin (BTC)
+0.02
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 →
Short entry pick an entry style
Conservative
$64.84
2% above current price
Lower risk, wait for rally
Aggressive
$63.57
Short at current price
Higher risk, chasing the move
Risk Management
STOP LOSS
$66.98
MAX LOSS
-3.3%
Volatility-Adjusted Stop Loss
Calculated based on RSI (28.8) and current market volatility
Profit Targets (Based on Conservative Entry)
TARGET 1
$61.60
-5% (Conservative)
-3.1% (Aggressive)
TARGET 2
$58.36
-10% (Conservative)
-8.2% (Aggressive)
TARGET 3
$55.12
-15% (Conservative)
-13.3% (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 October 11, 2026.Growth of $10,000
A $10,000 investment in CFG in October 2016 would be worth about $25,469 today, compared with about $36,479 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 $22,646 by 2036 in the base case, with a bull case near $106,871 and a bear case around $4,799. Projections are statistical simulations, not guarantees.
CFG Stock Price Prediction: 2030
CleaRank's simulation projects a price near $88.16 for CFG by 2030 in the base case, from $63.57 today (1.4x over 4 years). The downside path ends near $33.04. 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 | $42.23 | $68.98 | $113 |
| 2028 | $37.40 | $74.86 | $150 |
| 2029 | $34.73 | $81.24 | $190 |
| 2030 | $33.04 | $88.16 | $235 |
| 2031 | $31.93 | $95.66 | $287 |
| 2032 | $31.21 | $104 | $345 |
| 2033 | $30.76 | $113 | $413 |
| 2034 | $30.52 | $122 | $490 |
| 2035 | $30.44 | $133 | $578 |
| 2036 | $30.51 | $144 | $679 |
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's stock forecast for 2030?
The Monte Carlo simulation for Citizens Financial Group projects a base case price of $88.16 by 2030, with a downside scenario at $33.04 and an upside scenario at $235.2. These figures represent statistical outcomes, not guaranteed price targets.
Is Citizens Financial Group a buy right now?
Given the current price of $63.57, insider selling, and the stock trading below key moving averages, a 'Buy' recommendation is not supported. Wall Street consensus is 'Buy' with a median target of $80, but the technicals and insider activity suggest caution.
What are the recent earnings results for Citizens Financial Group?
Citizens Financial Group recently reported an EPS of $1.30 for the quarter ending June 2026, beating estimates by 4%. This follows a pattern of earnings beats, though the stock saw a negative price reaction after the latest report.
How does Citizens Financial Group compare to its sector averages?
Citizens Financial Group's P/E ratio of 13.85 is below the sector median of 16.5, but its ROE of 8.27% is below the sector average of 13.8. Its revenue growth of 14.7% also exceeds the sector median of 11.7%.
What is the technical outlook for Citizens Financial Group stock?
The stock is currently trading below its 50-day and 200-day moving averages ($69.02 and $65.27), indicating a bearish trend. The RSI is oversold at 28.78, suggesting potential for a bounce, but overall momentum is weak.
Are there any significant insider transactions for Citizens Financial Group?
Yes, insiders have been net sellers, with over $10.5 million in total sales and no reported purchases. This activity signals a moderate sell signal from management.
What is the dividend yield for Citizens Financial Group?
Citizens Financial Group currently offers a dividend yield of approximately 2.89%, with a dividend rate of $1.84.