XNYS · Banks - Regional
Last stored close · Nov 10, 2026
Close · Nov 10, 2026
$64.82-0.43%
Model Target
available with Pro
Implied upside
vs the model target
Valuation methods
the methods behind the target
TickerWhale Score
31/100
Weak
Score components
TickerWhale View
Citizens Financial Group scores 31 out of 100 overall, which we rate weak. Valuation is its strongest area and Quality & growth its weakest.
What helps
What to watch
- Technical
- Quality & growth
- Valuation
Quality & growth
30%17Weak
- Revenue growth 3.0%
- EPS growth 40.1%
Valuation
25%40Weak
- P/E 13.9
- EV/Sales 3.5
Citizens Financial Group Inc is a bank holding company headquartered in Providence, Rhode Island. Through its subsidiaries, it offers various retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations, and institutions. The group's reportable business segments are: Consumer Banking and Commercial Banking. The majority of its revenue is generated from the Consumer Banking segment, which serves consumer customers and small businesses, offering traditional banking products and services, including deposits, mortgage and home equity lending, credit cards, small business loans, education loans, point-of-sale finance loans, and wealth management solutions, among others, through a network of branches and ATMs.
#374 by market cap in our coverage · ~17,398 employees · Listed 2014-09-24 · www.citizensbank.com
Price history
Intraday to five-year windows are free with an account
Members switch between 1D, 1M, 6M, 1Y, 2Y and 5Y and see the live price. Signed out, this is the one-year stored series the technicals below are computed from.
Market intelligence
Peer position
#182 / 196sector rank by TickerWhale Score
TickerWhale Score 31 vs sector average 50.5 (-19.5)
Revenue growth (industry)Top 70%
Gross margin (industry)Top 55%
Return on equity (industry)Top 85%
P/E (industry)Pricier than 69%
Technical analysis
our read · what classic indicators sayTickerWhale technical read
39/100Weak vs universe
Ranks 39th of 100 covered names on our technical composite — the composite itself scores 49/100 · 25% of the TickerWhale Score
Classic chart indicators
Neutral
2 buy · 2 sell · 4 neutral of 8 votes
TickerWhale rates CFG's technical setup weak — 39th percentile of the covered universe. Classic chart indicators lean neutral — they read this stock on its own over days, where our score ranks it against every covered name over months, so the two often part company.
Moving averages
2 / 9constructive
- vs 200-day-1.3%
- vs 50-day-1.3%
Momentum
Mixed
- RSI (14)50 · neutral
- Stochasticbuy
- CCIneutral
- Williams %Rneutral
Trend
Mixed
- ADX (14) trend strength10· weak trend
- MACD (12,26,9)buy(histogram 0.105)
How the classic verdict is reached
Moving averages (9) agree on sell — 2 buy vs 4 sell — and carry one vote between them.
Oscillators (7) vote individually: 2 buy · 1 sell · 4 neutral.
Result — 2 buy vs 2 sell of 8 votes = Neutral. Neutral votes never decide the verdict.
Fundamentals & valuation
2026-11-10 · revised_latestValuation multiples
- P/E (TTM)13.9
- P/S (TTM)2.2
- P/B1.1
- EV/EBITDA—
- EV/Sales3.5
- PEG0.35
Profitability & returns
- Gross margin70.5%
- Net margin16.0%
- ROE7.6%
- Debt/Equity0.62
Growth
- Revenue growth (YoY)3.0%
- EPS growth (YoY)40.1%
Green favourable · red stretched — multiples and D/E vs industry peers, margins and growth vs absolute thresholds.
Market capitalisation — $27.7B
Fundamentals history
Reported statement totals across recent periods.
| Metric | Dec '25 | Dec '24 | Dec '23 |
|---|---|---|---|
| Revenue | $7.6B | $7.1B | $7.5B |
| Gross profit | $7.6B | $7.1B | $7.5B |
| Operating income | $2.3B | $1.9B | $2.0B |
| Net income | $1.7B | $1.4B | $1.5B |
| EPS (diluted) | $3.86 | $3.03 | $3.13 |
| Free cash flow | $2.0B | $1.9B | $2.8B |
| Cash | $13.7B | $11.2B | $12.0B |
| Total debt | $11.3B | $12.4B | $14.0B |
| Equity | $26.3B | $24.3B | $24.3B |
| Net debt | -$2.4B | $1.2B | $1.9B |
| Debt / equity | 0.43 | 0.51 | 0.57 |
| Liabilities / assets | 0.88 | 0.89 | 0.89 |
Fundamentals are stored revised/latest (ADR-009): each period reflects the most recent vendor refresh, NOT point-in-time as-reported values. Do not use this series to claim what was known on a past date.
Model Target
Model Target is a Pro feature
Scores, factors and technicals stay free. The model's price target is part of TickerWhale Pro.
The Model Target is a TickerWhale Pro feature
A target exists for this name — the model priced it in the latest nightly run. Pro members see the target, its range and the methods behind it; one name's target is free every trading day.
Or see the current free one: KNSA →
Peers
| Company | Score | Pulse | P/E | P/E fwd | P/B | EV/Sales | Price | Chg | Estimate | Upside | Rev. gr. |
|---|---|---|---|---|---|---|---|---|---|---|---|
| CFGCurrentCitizens Financial Group | 31 | 49 | 13.9 | — | 1.1 | 3.5 | $64.82 | -0.43% | +3.0% | ||
| WTMWhite Mountains Insurance Group | 89 | 74 | 5.0 | — | 1.0 | 1.6 | $2,280.00 | +1.05% | +55.5% | ||
| JXNJackson Financial Inc - | 81 | 78 | 164.4 | — | 1.0 | 1.1 | $138.01 | +1.84% | +15.1% | ||
| ALLAllstate Corp (The) | 80 | 73 | 5.1 | — | 2.0 | 1.1 | $261.12 | +2.89% | +5.9% | ||
| FHIFederated Hermes Inc - | 79 | 81 | 12.0 | — | 3.8 | 2.5 | $65.53 | +0.89% | +15.0% | ||
| AMGAffiliated Managers Group | 76 | 81 | 12.6 | — | 3.6 | 5.9 | $401.32 | +4.74% | +11.8% |
News, sentiment, the Street view and Ask Willy are free with an account
A free account shows the stories attached to this name, the Sentiment Signal breakdown, analyst consensus, the options read and the AI narration of the model output.