CFG · NYSE · STOCK
Citizens Financial Group (CFG) Stock Analysis
$63.58
52W $47.95 – $75.33
69/100
$26.88B
13.7
1.06
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Is CFG Bullish or Bearish?
Bullish.
Innellis AI committee rates Citizens Financial Group (CFG) Buy with a composite score of 69/100
, based on 5 analysts with 80% agreement.
Last updated October 10, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +5.73 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -14.27 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Growth Analyst sees a compelling case — revenue growing 62.7% yoy -- genuine top-line momentum. Portfolio Manager remains cautious — sector concentration is already high (hhi 2796.97). This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- P/E of 12.7 is inexpensive for the broad market — Value
- Price-to-book of 1.0x is a discount to asset value — Value
- Dividend yield of 6.3% pays you to wait — Value
- Revenue growing 62.7% YoY -- genuine top-line momentum — Growth
- EPS growing 37.2% YoY — Growth
- 5 consecutive earnings beats -- consistent execution — Growth
Bear Case
- Both daily and weekly trends are bearish — strong multi-timeframe downtrend.
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of October 10, 2026
Overall Committee Score
69/100
Agreement
80%
Analysts
5
Conviction
High
Sector Rank
Top 8%
of 211 Financial Services peers
Value Analyst
bullish
77
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 12.7 is inexpensive for the broad market
Growth Analyst
bullish
84
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 62.7% YoY -- genuine top-line momentum
Technical Analyst
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ MACD histogram positive -- bullish momentum
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
neutral
60
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
bearish
30
/ 100 · Moderate confidence
The existing book itself argues for caution here, independent of how good this specific stock looks
− Sector concentration is already high (HHI 2796.97)
Investment Thesis Evolution
Committee score moved marginally from 67.8 to 69.3.
- Conviction changed from moderate to high.
- Committee agreement increased sharply from 60% to 80%.
- Bullish support removed: 1 signal(s) disappeared.
- New bullish signals: 2 appeared.
- Bearish pressure eased: 1 signal(s) disappeared.
- Analyst(s) changed stance: Technical Analyst.
Analyst-level changes:
- Technical Analyst: stance neutral->bullish; score 54->61 (+8); +1 bullish signal(s).
- Value Analyst: +1 bullish signal(s).
Comparing 2026-10-09 to 2026-10-10 (1 day apart).
Technical Analysis
RSI (14)
36.2
Neutral
MACD Histogram
0.018
Bullish Momentum
Trend Direction
Sideways
Weekly: Sideways
Market Structure
Mixed
Support
$59.76
Resistance
$66.83
Bollinger %B
0.28
Inside Bands
Price vs Moving Averages
EMA 9
$64.12
Below
EMA 21
$65.50
Below
EMA 50
$67.42
Below
EMA 200
$64.40
Below
Fundamental Analysis
Valuation
100
Growth
86
Profitability
59
Financial Health
97
Cash Flow
70
Valuation
P/E Ratio
13.7×
P/B Ratio
1.03×
PEG Ratio
0.34
Dividend Yield
2.89%
52W High
$75.33
52W Low
$47.95
Quality & Growth
ROE
695.8%
ROA
80.9%
Gross Margin
7237.1%
Operating Margin
2364.4%
Revenue Growth YoY
—
Debt / Equity
0.62
AI Fundamental Assessment
P/E ratio of 13.7 (inexpensive relative to a 15-40x range); Price-to-book of 1.0x; PEG ratio of 0.3 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 7.0%; Return on assets of 0.8%; Net margin of 18.5%; Gross margin of 72.4%; Current ratio of 11.01 (healthy short-term liquidity); Debt-to-equity of 0.62; Free cash flow per share is positive (5.56); Most recent quarter beat estimates by 3.7%; 5 consecutive earnings beats; EPS growth accelerating (+0.0% -> +15.0% QoQ); Average YoY EPS growth of 41.3%; Analyst estimates rising over recent quarters
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