Citizens Financial Group, Inc. (CFG) fair value analysis
S&P 500 · Updated 2026-10-19
CFG price how computed
Forward Fair Value verdict
Fairly valuedCFG is trading at within about 10% of estimated fair value.
Based on TickrTrends' weekly Forward Fair Value model.
- Last price
- $63.57
- Sector
- Financial Services
- 12-month range
- $49.71–$74.73
- Market cap
- $26.8B
- From 52-week high
- -14.9%
- Shares outstanding
- 421M
- Rank in Financial Services by discount to fair value
- #164 of 167
Last price is our 2026-10-19 weekly price; the chart runs through 2026-10-16.
Citizens Financial Group, Inc. provides banking and financial services including retail banking, commercial banking, and wealth management to consumers and businesses. The company operates primarily through branches and digital platforms across the United States, with a significant presence in the Northeast and Mid-Atlantic regions.
CFG currently ranks #164 of 167 Financial Services stocks by discount to fair value. It has screened as Fairly valued for 4 consecutive weekly runs.
Fundamentals (4 quarters) how computed
- Market cap
- $26.8B
- P/E (trailing)
- 13x
- Revenue (TTM)
- $11.6B
- Net margin
- 19.5%
- EPS (TTM)
- $4.97
- Gross margin
- 67.2%
- Debt / equity
- 0.71
- Revenue growth (3-yr avg)
- 1.0%
- Shares outstanding
- 421M
Derived indicators how computed
- Quality grade
- F
- Margin trend
- Expanding
- 52-week position
- The upper-middle quarter of its range
Technicals how computed
- RSI (14-day)
- 35 · neutral
- 50-day average
- $68.07
- 200-day average
- $65.37
- Moving-average state
- 50-day above 200-day (golden cross state); price between the averages
Dividends how computed
- Paid, last 12 months
- $1.84 per share (4 payments)
- Yield on last price
- 2.89%
- Consecutive years of increases
- 1
- Last ex-dividend date
- 2026-07-30
- Last payment date
- 2026-08-13
Earnings how computed
- Last 8 quarters vs consensus
- 8 beat, 0 missed
- Quarter by quarter
- 2026-09 ▲ beat (+2.2%)
2026-06 ▲ beat (+4.0%)
2026-03 ▲ beat (+3.7%)
2025-12 ▲ beat (+1.8%)
2025-09 ▲ beat (+1.9%)
2025-06 ▲ beat (+4.5%)
2025-03 ▲ beat (+2.7%)
2024-12 ▲ beat (+2.4%)
Analyst consensus how computed
This is not TickrTrends' verdict.
- Analyst ratings
- 15 buy · 3 hold · 0 sell (18 analysts)
- Consensus lean
- Buy-leaning
- Consensus price target
- $78
- Target vs last price
- +22.7%
What our data shows for CFG
- Our model validated 17 trailing price-to-earnings windows for CFG, built from quarterly earnings records.
- Shares are trading in the middle of their 12-month price range of $49.71–$74.73.
- The 14-day relative strength index sits at a neutral 35.
The exact numbers are one step away
- The precise Forward Fair Value dollar figure for CFG
- Exact discount / premium to today's price
- The normalized historical P/E behind the estimate, and how many quarters support it
- Forward EPS input and fiscal-year basis
- Screeners and rankings across the full S&P 500 and Nasdaq universes
Forward Fair Value applies a conservatively normalized historical price-to-earnings multiple to the consensus earnings estimate for the next full fiscal year; how TickrTrends computes it.
Recent CFG news
TickrTrends' derived news-sentiment signal for CFG is currently mixed, computed from recent coverage.
- CFG Maintained by Citigroup -- Price Target Lowered to $74.00 (gurufocus.com, 2026-10-20)
TickrTrends take: Citigroup's maintenance of coverage on CFG combined with a lowered price target to $74 provides context for evaluating whether the Fairly valued assessment remains appropriate as market conditions evolve. A valuation-focused reader should monitor whether CFG's stock price moves toward or away from this $74 target, as this could indicate shifts in the analyst consensus regarding the company's fair value within the Financial Services sector. Changes in price targets from major financial institutions can signal whether the current valuation view should be reassessed. - CFG Maintained by Truist Securities -- Price Target Lowered to $70 (gurufocus.com, 2026-10-20)
TickrTrends take: Truist Securities' reduction of CFG's price target to $70 occurs within a context where TickrTrends currently assesses the Financial Services company as fairly valued. A valuation-focused reader should monitor whether additional analyst price target adjustments follow this move, as such shifts can influence the overall fair value consensus that supports the current assessment. The disconnect between where individual analysts see value and where TickrTrends places the stock may narrow or widen depending on how broadly this downward revision is adopted across the analyst community. - CFG Maintained by Morgan Stanley -- Price Target Lowered to $87.00 (gurufocus.com, 2026-10-19)
TickrTrends take: Morgan Stanley's reduction of its price target to $87 represents a notable shift in analyst positioning for CFG, a company operating in the Financial Services sector. Against TickrTrends' current assessment of fairly valued status, the lowered target suggests Morgan Stanley may be incorporating more cautious near-term expectations into its valuation model. Investors focused on valuation metrics should monitor whether this target adjustment reflects broader consensus changes in how the market is pricing CFG's fundamentals and growth prospects.
More CFG news
- CFG Maintains Rating by RBC Capital -- Price Target Lowered to $74.00 (gurufocus.com, 2026-10-19)
- Citizens Financial Group, Inc. 2026 Q3 - Results - Earnings Call Presentation (NYSE:CFG) 2026-10-17 (seekingalpha.com, 2026-10-17)
- Citizens Financial Group Inc (CFG) (Q3 2026) Earnings Call Highlights: Record Revenue, 34% EPS Growth, and a Clear Path to 16%--18% ROTCE (gurufocus.com, 2026-10-16)
- Q3 2026 Citizens Financial Group Inc Earnings Call Transcript (gurufocus.com, 2026-10-16)
- CFG Maintained by Cantor Fitzgerald -- Price Target Lowered to $78.00 (gurufocus.com, 2026-10-14)
- Citizens Financial: Increasing Profit Makes 7.3% Preferred Dividend Yield Safer (NYSE:CFG) (seekingalpha.com, 2026-10-12)
- CFG Maintains Rating by JP Morgan -- Price Target Lowered to $72.50 (gurufocus.com, 2026-10-02)
- CFG Maintains by Evercore ISI Group -- Price Target Lowered to $78 (gurufocus.com, 2026-10-01)
What people are saying
Follow the CFG conversation: Stocktwits · Reddit · X
TickrTrends weekly updates
- 2026-10-19 — TickrTrends' quality grade for CFG declined from B to F this week, indicating a significant deterioration in the company's fundamental metrics as assessed by the platform's derived indicators. The stock remains classified as fairly valued despite this substantial downgrade in quality assessment.
- 2026-10-12 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-11 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-10 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-06 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-28 — TickrTrends' derived indicators show that CFG moved up in sector discount ranking this week, improving from position 129 to position 124 among Financial Services stocks. Despite this improvement in relative valuation positioning, the stock maintains an Overvalued verdict on current valuation assessment.
- 2026-09-21 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-17 — No material change this week: the verdict, bands and grades all held steady.
Frequently asked questions
Is CFG stock undervalued?
Based on TickrTrends' Forward Fair Value model (updated 2026-10-19), CFG is trading at within about 10% of estimated fair value and screens as fairly valued. The exact fair value and discount are available to subscribers.
What is CFG's TickrTrends verdict?
CFG's current verdict is Fairly valued, refreshed with every weekly Forward Fair Value run.
How does CFG compare to other Financial Services stocks?
CFG ranks #164 of 167 Financial Services stocks in TickrTrends' coverage by discount to fair value.
Is CFG overbought or oversold?
CFG's 14-day RSI is in neutral territory - neither overbought nor oversold.
Does CFG pay a dividend?
Yes. CFG paid $1.84 per share over the last twelve months (4 payments), a 2.89% yield on TickrTrends' last price, and has raised the annual total for 1 consecutive year. The last ex-dividend date was 2026-07-30.
Does CFG usually beat earnings estimates?
Over its last 8 reported quarters CFG beat the consensus estimate 8 times and missed 0 times, by TickrTrends' comparison of reported and estimated EPS.
What do analysts say about CFG?
Of 18 analysts covering CFG, 15 rate it a buy, 3 a hold and 0 a sell - buy-leaning, with a consensus price target of $78 (+22.7% versus TickrTrends' last price). This is the analyst consensus, not TickrTrends' Forward Fair Value verdict.
More in Financial Services
Head-to-head comparisons
CFG vs ABL · CFG vs BEN · CFG vs BFST · CFG vs BRK-B · CFG vs FFBC