Citizens Financial (CFG) Stock Analysis
NYQ · Financial Services · Banks - Regional
$65.25
-0.28 (-0.43%)
CFG Interactive Price Chart & Trading Signals
CFG Stock Snapshot — Valuation, Risk & Technical Signals
CFG Key Fundamentals, Analyst Targets & Company Profile
Key Financial Ratios
Market Cap
$27.48B
P/E Ratio
14.22
Forward P/E
9.99
PEG Ratio
1.65
P/B Ratio
1.15
EPS
$4.59
Dividend Yield
2.81%
52W Range
$47.95 – $75.33
Beta
1.00
Volume
0.3M
ROE
8.3%
Profit Margin
26.1%
Revenue Growth
14.7%
Gross Margin
—
EV/EBITDA
—
Analyst Target
$80.65
The trailing price-to-earnings ratio stands at 14.2x. Forward P/E of 10.0x implies earnings expansion expected. Price-to-book is 1.15x. Market capitalization is $27.48B. Revenue is growing at 14.7% on a trailing basis. Earnings are expanding at 41.3%. Profit margins are 26.1%. Return on equity is 8.3%. Beta of 1.00 indicates market-average volatility.
Analyst Consensus
Recommendation
Buy
Low Target
$70.00
Mean Target
$80.65
High Target
$89.00
Based on 17 analysts
About Citizens Financial
Citizens Financial Group, Inc. operates as the bank holding company that provides retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations, and institutions in the United States. The company operates through two segments, Consumer Banking and Commercial Banking. The Consumer Banking segment offers deposit products, mortgage and home equity lending products, credit cards, business loans, and wealth management services; and education and point-of-sale finance loans, as well as digital deposit products. This segment serves its customers through telephone service centers, as well as through its online and mobile platforms. The Commercial Banking segment provides various financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange, and interest rate and commodity risk management solutions, as well as syndicated loans, corporate finance, mergers and acquisitions, and debt and equity capital markets services. The company serves customers and small businesses, high- and ultra-high-net-worth individuals and families, as well as investors, entrepreneurs, and companies and institutions, as well as multifamily, office, industrial, retail, healthcare, and hospitality sectors. The company was formerly known as RBS Citizens Financial Group, Inc. and changed its name to Citizens Financial Group, Inc. in April 2014. Citizens Financial Group, Inc. was founded in 1828 and is headquartered in Providence, Rhode Island.
CFG Deep Dive Analysis
Bottom Line
Verdict
OvervaluedBest for
General investorWatch out for
Premium valuationNon-zero inputs
4/5Counts non-zero values for price, P/E, beta, macro risk, and revenue growth; zero may mean unavailable or be a genuine zero.
Citizens Financial Group, Inc. (CFG) trades above our multi-model fair value estimate of $46.00 by approximately 29.5%. Trailing P/E: 14.2x. Profitability signals include profit margin of 26.1% and return on equity of 8.3%. Recent growth metrics show revenue growth of 14.7% and earnings growth of 41.3%. Risk profile: beta of 1.00. Consensus: buy.
Valuation, Growth & Risk
Valuation
Overvalued
P/E 14.2x
Price is above what fundamentals suggest.
Growth
Expanding
Rev 14.7%
Revenue is outpacing the market.
Valuation Snapshot
Citizens Financial Group, Inc. (CFG) trades above our multi-model fair value estimate of $46.00 by approximately 29.5%. The trailing price-to-earnings ratio stands at 14.2x. Forward P/E of 10.0x suggests earnings compression ahead. Price-to-sales is 3.4x. Price-to-book is 1.1x. Market capitalization is $27.48B.
Why it matters: Paying a premium works only if the company keeps growing faster than expected.
Growth & Profitability
Revenue is growing at 14.7% on a trailing basis. Earnings are expanding at 41.3%. Profit margins are 26.1%. Return on equity is 8.3%. Return on assets is 0.9%.
Why it matters: Growing revenue with healthy margins usually means the business is gaining market share or pricing power.
Risk Profile
Beta of 1.00 indicates market-average volatility. Net debt position is $2.48B.
Why it matters: Lower risk means steadier returns, but often with less upside in bull markets.
Analyst Context
Analyst consensus target of $80.65 implies 23.6% upside. Target range spans $70.00 to $89.00. 17 analysts cover the stock. Consensus recommendation: buy.
Why it matters: Analyst targets reflect what professionals expect over 12 months. A wide gap between price and target can mean the market disagrees with the consensus.
Investor Fit
Free cash flow yield of 7.4% is attractive for cash-flow-focused investors.
Takeaway: Match the stock's risk-reward profile with your own goals and time horizon. No single metric tells the whole story.
Data Methodology & Sources
Market Data (Facts)
- Price, volume, and market cap: Yahoo Finance (may be delayed)
- P/E, EPS, revenue, and debt: Yahoo Finance fundamentals
- Analyst estimates: Yahoo Finance (coverage and update times vary)
- Insider transactions: Yahoo Finance (reporting may be delayed)
QuantSoar Model (Derived)
- Fair value: available outputs from seven models; outliers are filtered using MAD (k=3.5), then combined with fixed model weights.
- Margin of Safety = (Fair Value − Displayed Price) / Displayed Price × 100
- Composite Score: 40% Value + 30% Momentum + 30% Risk
- Verdict Gauge: Base 50 + Valuation (up to ±25) + Whale sentiment (up to ±10) + Insider buying (+5) + Macro risk (up to ±10) + Technical signal (up to ±10). Analyst consensus is separate.
Model outputs are estimates based on available data and are not investment advice. Cross-check with primary sources before making investment decisions.
CFG Overvalued
Citizens Financial Group, Inc. (CFG) trades above our multi-model fair value estimate of $46.00 by approximately 29.5%.
Frequently Asked Questions
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About the Author
Phasakorn Traklang (Peach) — Founder
Phasakorn Traklang (Peach) is the founder of QuantSoar, bringing expertise in SEO, web development, and technical analytics to build an AI-powered investment platform accessible to retail investors worldwide.
Connect on LinkedInInvestment Disclaimer: Tax treatment can depend on tax residence, account type, and tax year. This information is general and is not personal tax or investment advice. SEC
Data: Yahoo Finance / SEC EDGAR / Alpha Vantage / Finnhub. AI outputs verified against source data.