CFG · NYSE · STOCK
Citizens Financial Group (CFG) Stock Analysis
$69.86
52W $47.95 – $75.33
66/100
$29.54B
15.1
1.01
⚠
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 66/100
, based on 5 analysts with 80% agreement.
Last updated August 23, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +8.59 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 — -11.41 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. Technical Analyst remains cautious — rsi at 28 is in oversold territory (could mean either capitulation or a bounce setup). This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- P/E of 14.7 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
- RSI at 28 is in oversold territory (could mean either capitulation or a bounce setup) — Technical
- MACD histogram negative -- bearish momentum — Technical
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 August 23, 2026
Overall Committee Score
66/100
Agreement
80%
Analysts
5
Conviction
Contested
Sector Rank
Top 18%
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 14.7 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
bearish
38
/ 100 · High confidence
Price action is deteriorating -- trend and/or momentum are working against this name
− RSI at 28 is in oversold territory (could mean either capitulation or a bounce setup)
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
bullish
68
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.33 across 9 articles, 14d)
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 3069.37)
Investment Thesis Evolution
Committee score moved marginally from 66.4 to 66.4.
Comparing 2026-08-22 to 2026-08-23 (1 day apart).
Technical Analysis
RSI (14)
28.3
Oversold
MACD Histogram
-0.548
Bearish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Hh Hl
Support
$59.76
Resistance
$74.69
Bollinger %B
0.04
Inside Bands
Price vs Moving Averages
EMA 9
$71.86
Below
EMA 21
$72.12
Below
EMA 50
$70.59
Below
EMA 200
$63.32
Above
Fundamental Analysis
Valuation
100
Growth
86
Profitability
59
Financial Health
97
Cash Flow
70
Valuation
P/E Ratio
15.1×
P/B Ratio
1.13×
PEG Ratio
0.37
Dividend Yield
2.63%
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 15.1 (inexpensive relative to a 15-40x range); Price-to-book of 1.1x; PEG ratio of 0.4 (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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