NASDAQ · STOCK
Citizens Financial Group
$71.63
52W $45.91 – $74.70
64/100
$30.30B
15.4
1.00
Is CFG Bullish or Bearish?
Bullish.
Innellis AI committee rates Citizens Financial Group (CFG) Buy with a composite score of 64/100
, based on 6 analysts with 67% agreement.
Last updated July 31, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +10.67 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 — -9.33 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 primary driver is revenue growing 62.7% yoy -- genuine top-line momentum. Most analysts agree, and no major concerns are blocking a stronger rating.
Bull & Bear Case
Bull Case
- P/E of 14.4 is inexpensive for the broad market — Value
- Price-to-book of 1.0x is a discount to asset value — Value
- Dividend yield of 2.6% 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
- 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 July 31, 2026
Overall Committee Score
64/100
Agreement
67%
Analysts
6
Conviction
Moderate
Sector Rank
Top 13%
of 141 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 14.4 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
+ Price structure making higher highs and higher lows
− MACD histogram negative -- bearish momentum
Macro Analyst
neutral
58
/ 100 · Moderate confidence
Macro backdrop is mixed or neutral -- not a strong tailwind or headwind either way
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
bullish
62
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
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 2744.14)
Investment Thesis Evolution
Committee score moved marginally from 65.6 to 64.3.
- Conviction changed from high to moderate.
- Committee agreement fell notably from 83% to 67%.
- New bearish signals: 2 appeared.
- Bullish support removed: 1 signal(s) disappeared.
- New bullish signals: 3 appeared.
- Bearish pressure eased: 2 signal(s) disappeared.
- Analyst(s) changed stance: Macro Analyst.
Analyst-level changes:
- Macro Analyst: stance bullish->neutral; score 65->58 (-8); +1 bullish signal(s).
- Portfolio Manager: +2 bearish signal(s).
- Technical Analyst: +1 bullish signal(s).
- Value Analyst: +1 bullish signal(s).
Comparing 2026-07-30 to 2026-07-31 (1 day apart).
Technical Analysis
RSI (14)
50.5
Neutral
MACD Histogram
-0.255
Bearish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Hh Hl
Bollinger %B
0.53
Inside Bands
Price vs Moving Averages
EMA 9
$71.74
Below
EMA 21
$71.13
Above
EMA 50
$68.91
Above
EMA 200
$61.80
Above
Fundamental Analysis
Valuation
99
Growth
86
Profitability
0
Financial Health
97
Cash Flow
37
Valuation
P/E Ratio
15.4×
P/B Ratio
1.16×
PEG Ratio
0.38
Dividend Yield
0.03%
52W High
$74.70
52W Low
$45.91
Quality & Growth
ROE
7.0%
ROA
0.8%
Gross Margin
72.4%
Operating Margin
23.6%
Revenue Growth YoY
—
Debt / Equity
0.62
AI Fundamental Assessment
P/E ratio of 15.4 (inexpensive relative to a 15-40x range); Price-to-book of 1.2x; PEG ratio of 0.4 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 0.1%; Return on assets of 0.0%; Net margin of 0.2%; Gross margin of 0.7%; Current ratio of 11.01 (healthy short-term liquidity); Debt-to-equity of 0.62; Free cash flow margin of 0.9% (thin cash generation); Free cash flow per share is positive (5.91); 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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