NASDAQ · STOCK
Citizens Financial Group
$70.34
52W $45.91 – $72.94
68/100
$29.54B
14.7
1.02
Price History (6M)
Executive Summary
5 analysts weighed in with 60% agreement on a bullish lean. Portfolio Manager: Portfolio position concentration is currently healthy. Overall recommendation: BUY.
Bull & Bear Case
Bull Case
- Daily trend: uptrend.
- Weekly trend: uptrend.
- Daily and weekly trends are both bullish — multi-timeframe alignment, highest confidence.
- Daily volatility (ATR%) above ~3% is treated as elevated risk.
Bear Case
- MACD histogram is negative (-0.174) — bearish momentum.
AI Investment Committee
Committee Consensus
As of July 11, 2026
Overall Committee Score
68/100
Agreement
83%
Analysts
6
Conviction
High
Growth Analyst
neutral
58
/ 100 · Moderate confidence
Moderate growth -- present but not remarkable
+ 4 consecutive earnings beats -- consistent execution
− Growth rate is decelerating quarter over quarter -- the trend line matters more than the level
Technical Analyst
neutral
57
/ 100 · High confidence
Mixed or range-bound price action
+ Price structure making higher highs and higher lows
− MACD histogram negative -- bearish momentum
Macro Analyst
bullish
70
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
bullish
64
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.20 across 21 articles, 14d)
Portfolio Manager
bullish
75
/ 100 · Low confidence
The existing book is healthy enough that position-sizing here is a matter of stock selection, not portfolio constraints
+ Portfolio position concentration is currently healthy
Technical Analysis
RSI (14)
54.5
Neutral
MACD Histogram
-0.174
Bearish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Mixed
Bollinger %B
0.65
Inside Bands
Price vs Moving Averages
EMA 9
$70.20
Above
EMA 21
$68.93
Above
EMA 50
$66.53
Above
EMA 200
$60.18
Above
Fundamental Analysis
Valuation
100
Growth
83
Profitability
49
Financial Health
100
Valuation
P/E Ratio
14.7×
P/B Ratio
0.95×
PEG Ratio
—
Dividend Yield
2.63%
52W High
$72.94
52W Low
$45.91
Quality & Growth
ROE
763.0%
ROA
88.0%
Gross Margin
—
Operating Margin
3144.9%
Revenue Growth YoY
+6272.9%
Debt / Equity
0.35
AI Fundamental Assessment
P/E ratio of 14.7 (inexpensive relative to a 15-40x range); Price-to-book of 1.0x; Revenue growth (YoY) of 62.7%; EPS growth (YoY) of 31.9%; Return on equity of 7.6%; Return on assets of 0.9%; Net margin of 24.6%; Debt-to-equity of 0.35; Most recent quarter beat estimates by 2.8%; 4 consecutive earnings beats; EPS growth decelerating (+7.6% -> +0.0% QoQ); Analyst estimates rising over recent quarters
Key Risks
- MACD histogram is negative (-0.174) — bearish momentum.
This risk summary is generated from quantitative data signals, not qualitative opinion. All investors should conduct their own due diligence. This is not financial advice.
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