Insider buying last 90 days
No open-market insider purchases were filed for CFG in the last 90 days.
From Form 4 filings, dated to when each was filed.
Every CFG insider filing, plotted on the chart in Gekko.Open CFG in Gekko
NYSE: CFG
Citizens Financial (CFG) Stock Analysis & Forecast
$67.04−0.35 (−0.5%)
Close on Sep 18, 2026. Page updated Sep 19, 9:19 pm ET.
Gekko Brief
AI summaryCitizens Financial trades at $67.04, down 0.5%, sitting between its 50-day average of $71.18 and 200-day average of $64.74. Over one month the stock is down 5.3%, though it remains up 17.5% over six months and 28.3% over a year. The GekkoIndex reads 70.1, placing CFG in the Buying zone, and the price stands 11% below the Gekko Fair Value of $75.33.
This week's coverage centers on ownership shifts and sector-wide pressure. Bank of America Corp DE disclosed a new stake of over 3.18 million shares valued at approximately $223.4 million, while Nykredit A S reported purchasing 1.97 million shares worth about $138.4 million, both from second-quarter filings. Squarepoint Ops LLC lifted its position by 77.9%. Separately, shares of CFG and peers including KeyCorp, Fifth Third Bancorp, Walker & Dunlop, and PNC fell after the Federal Reserve's recent rate hike, and Citizens Bank raised its prime lending rate to 7.00% from 6.75%, effective 17 September.
Looking ahead, Citizens Financial reports next on 16 October, 26 days out and within a typical 20-trading-day holding window, after beating estimates in 7 of the last 8 quarters, including $1.30 versus $1.25 expected last quarter with a 1.8% reaction. Seasonality over the past 5 years shows a 1.3% average return across the next 20 trading days, positive in 2 of those years. Analyst coverage from 17 firms shows 14 buy ratings and a consensus target of $81.47.
Written by AI and checked automatically against the figures on this page. Generated Sep 20, 2026 from the data above.
Price vs fair value
Close $67.04200-day averageGekko Fair Value $75.33
Key stats
- Market cap
- $28.35B
- P/E ratio
- 14.6
- Forward P/E
- 10.8
- EPS, TTM
- $4.59
- Revenue, TTM
- $8.16B
- Profit margin
- 26.1%
- Dividend yield
- 2.56%
- Beta
- 1.00
- Volume
- 5.55M avg 3.24M
- 1-year return
- +28.3%
- Typical daily move
- ±2.6%
- Typical 20-day move
- ±6.4%
- 50-day average
- $71.18
- 200-day average
- $64.74
- Next earnings
- Oct 16 before open
- Shares outstanding
- 421.2M
Citizens Financial swing-trade checklist
Citizens Financial scores 2 supportive, 2 mixed and 1 headwind across the 5 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
2 supportive2 mixed1 headwind
- Trendmixed
Averages disagree
Close $67.04 sits between the 50-day ($71.18) and 200-day ($64.74) averages, or the averages disagree.
See the chart - GekkoIndexsupportive
70.1, Buying
Reading 70.1 is in the Buying zone.
See the GekkoIndex - Fair valuesupportive
11.0% below
Price is 11% below Gekko Fair Value (more than 5% below).
See fair value - Smart moneyno data
No data
No insider, Congress or unusual options activity in the window.
See smart money - Earnings riskheadwind
Reports in 26 days
Reports on Oct 16, 2026, 26 days away — inside a typical 20-trading-day hold.
See earnings - Seasonalitymixed
+1.3% on average
From this point in the calendar, the next 20 trading days averaged +1.3% over 5 years, rising in 2 of them.
See seasonality
A description of current data, not a recommendation. How this page works
Citizens Financial stock chart and price history
Citizens Financial closed at $67.04 on Sep 18, 2026, +28.3% over the past year, inside a 52-week range of $47.96 to $75.33.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- −5.3%
- 3 months
- −0.1%
- 6 months
- +17.5%
- 1 year
- +28.3%
The full CFG chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open CFG in Gekko
Follow Citizens Financial through every session
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About Citizens Financial
Citizens Financial is the parent company of Citizens Bank, National Association, which provides retail and commercial banking services throughout the United States. Its customers range from everyday consumers and small businesses to large corporations and institutions, and it is recognized for combining widespread branch banking with a broad set of financial services under one roof.
The company runs two main lines of business. Its Consumer Banking arm handles everyday deposit accounts, mortgages, home equity products, credit cards, and loans for smaller businesses, along with wealth management, investment services, and financing for cars, education, and point-of-sale purchases, all accessible through call centers and digital banking channels. The Commercial Banking arm serves corporate and institutional clients with lending, leasing, treasury management, foreign exchange, and hedging tools, as well as syndicated loans, advisory work on mergers and acquisitions, and capital markets services, reaching sectors such as healthcare, technology, energy, real estate, and private equity.
Citizens Financial traces its founding to 1828 and is headquartered in Providence, Rhode Island. Its shares are listed on the NYSE under the ticker CFG.
- Listed
- NYSE
- Sector
- Finance
- Industry
- Major banks
- Website
- citizensbank.com
Citizens Financial GekkoIndex: the smart money zone
Citizens Financial’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 70.1, in the Buying zone, up 8.7 points over five sessions.
70.1Buying
Up 8.7 points over five sessions, from the Accumulation zone.
Reading for Sep 18, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days |
|---|---|---|---|
| Buying (current zone) | 14 | +1.5% | −0.7% |
| Accumulation | 155 | +0.9% | +5.8% |
| Neutral | 436 | +0.6% | +2.2% |
| Distribution | 46 | +0.7% | +1.5% |
| Selling | 11 | −0.2% | −5.5% |
Average CFG share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Buying readings averaged +3.2% over 20 days. Past behaviour doesn’t guarantee future results.
Buying zone: Smart money likely accumulating heavily. About the five zones →
See every daily GekkoIndex reading plotted over the CFG price, zone by zone.Track CFG in Gekko
Is Citizens Financial stock overvalued? Gekko Fair Value
Citizens Financial trades 11.0% below Gekko Fair Value of $75.33, so the shares are undervalued on Gekko’s estimate.
Gekko’s own estimate of what Citizens Financial shares are worth, recalculated every trading day.
$75.33
Gekko Fair Value, Sep 18, 2026
11.0% Undervalued
Gekko Fair Value on every chart, with the gap to price updating daily.Open CFG in Gekko
Citizens Financial insider and Congress trading
No open-market insider purchases were filed for Citizens Financial, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
No trades in CFG were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Congress disclosures for CFG, plotted on the chart in Gekko.Open CFG in Gekko
Buybacks
Citizens Financial has been buying back its own shares.
- Bought back, quarter ended Jun 30, 2026
- $225.0M
- As a share of market cap
- 0.79%
- Trailing four quarters
- $1.13B
From company filings.
Hedge funds and billionaires quarter ended Dec 31
0of the funds Gekko tracks hold CFG.
0added0opened0trimmed1sold out
Which funds are on each side, name by name.Unlock in Gekko
Citizens Financial earnings: next date and track record
Citizens Financial reports on Oct 16, 2026, before the open (26 days away), and beat the EPS estimate in 7 of its last 8 reports.
Next earnings report
Oct 16, 2026
Expected before the open, 26 days away
- EPS estimate
- $1.40
- Revenue estimate
- $2.34B
7 of 8reports beat the EPS estimate
±3.6%average move across the report
4 of 8reports followed by a gain
Share-price move across each report
Last earnings call, Jul 16, 2026 AI summary
- What they said
- Citizens Financial Group reported strong second-quarter 2026 results driven by revenue growth, NII expansion, accelerating loan growth across businesses, and fee revenue strength led by capital markets and wealth. Management highlighted EPS growth (+15% sequential, +41% YoY), ROTCE improvement to 13.9%, positive operating leverage, continued deposit and loan momentum (including private bank growth), disciplined expense management, and favorable credit trends. Strategic initiatives—private bank expansion, Reimagine the Bank (RTB) digital/AI deployments, and capital markets buildouts—are progressing. Management reiterated medium-term financial targets (16–18% ROTCE by end of 2027) and a CET1 target range of 10.0–10.5%, with ongoing stock repurchases during the quarter and constructive commentary on stress test results and balance sheet strength.
- Guidance
- Management indicated they expect NII trajectory to remain positive driven by NIM expansion and loan growth and that they are likely above consensus (which was ~12.2–12.3 ROTCE or related consensus). Q3 NII guidance referenced roughly 2.5%–3.5% (linked-quarter) growth/guide. They reiterated medium-term ROTCE target of 16%–18% by end of 2027 and a CET1 operating range of 10%–10.5%. Private bank expansion: 15–16 PBOs by end of 2027. Management expects to be toward the high end of the firm's fee revenue guide for the year and sees continued NIM tailwinds from time-based repricing and hedging; loan growth for the full year expected to be slightly ahead of January guidance (on an average basis).
- Risks flagged
- Risks called out include ongoing CRE portfolio runoff and selective exposure (office and some multifamily acquired via Investor acquisition), modeling uncertainty related to Fed DFAST/stress testing (prior elevated stress loss results and expected model updates), potential deposit beta and funding cost volatility, competitive dynamics in private banking and capital markets, rating-agency perceptions requiring elevated capital, and macro uncertainty (rate path, potential Fed moves) that could affect margins and loan demand.
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Jul 16, 2026 | $1.30 est $1.25 | $2.28B est $2.25B | +1.8% |
| Apr 16, 2026 | $1.13 est $1.09 | $2.17B est $2.16B | −1.1% |
| Jan 21, 2026 | $1.13 est $1.10 | $2.16B est $2.15B | +7.4% |
| Oct 15, 2025 | $1.05 est $1.03 | $2.12B est $2.10B | −6.6% |
| Jul 17, 2025 | $0.92 est $0.88 | $2.04B est $2.01B | +3.4% |
| Apr 16, 2025 | $0.77 est $0.75 | $1.94B est $1.94B | −1.8% |
| Jan 17, 2025 | $0.85 est $0.83 | $1.98B est $1.96B | +3.2% |
| Oct 16, 2024 | $0.79 est $0.79 | $1.90B est $1.94B | −3.1% |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
Citizens Financial stock forecast and analyst price targets
Analysts’ average 12-month price target for Citizens Financial is $81.47, +21.5% from the last close, from 17 firms rating the stock in the last 90 days.
$81.47consensus 12-month target, +21.5% from the last close
Now $67.04Avg $81.47
Low $70High $90
Each firm’s latest rating in the last 90 days: 17 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Sep 15 | Barclays | $81 | +20.8% |
| Sep 13 | Bank of America Securities | $82 | +22.3% |
| Sep 8 | Morgan Stanley | $90 | +34.2% |
| Aug 19 | Cantor Fitzgerald | $84 | +25.3% |
| Aug 5 | Barclays | $81 | +20.8% |
−0.7%average 20-day move after past Buying readings
+1.3%average move over the next 20 trading days in the last 5 years
±2.6%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
Citizens Financial seasonality: the next 20 trading days
Over the next 20 trading days from Sep 19, Citizens Financial averaged +1.3% across the last 5 years, rising in 2 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | −1.1% | 1 of 5 |
| Next 10 trading days | −0.1% | 2 of 5 |
| Next 15 trading days | −0.3% | 2 of 5 |
| Next 20 trading days | +1.3% | 2 of 5 |
| Next 30 trading days | +1.6% | 3 of 5 |
For scale, CFG’s typical 20-trading-day move in either direction is about 6.4%.
Citizens Financial market cap and key statistics
Citizens Financial’s market cap is $28.35B, with a P/E ratio of 14.6 and revenue of $8.16B over the last twelve months.
Valuation
- Market cap
- $28.35B
- P/E ratio
- 14.6
- Forward P/E
- 10.8
- EPS, TTM
- $4.59
- Gekko Fair Value
- $75.33
Trading
- Volume
- 5.55M
- Avg volume, 20 days
- 3.24M
- 52-week high
- $75.33
- 52-week low
- $47.96
- Shares outstanding
- 421.2M
Financials
- Revenue, TTM
- $8.16B
- Profit margin
- 26.1%
- Return on equity
- 8.3%
- Quarterly earnings growth, YoY
- +41.3%
Risk and income
- Beta
- 1.00
- Typical daily move
- ±2.6%
- Typical 20-day move
- ±6.4%
- Dividend yield
- 2.56%
Citizens Financial stock news this week
Coverage of Citizens Financial this week reads positive: 9 positive, 2 neutral and 1 negative headlines.
- 1,974,566 Shares in Citizens Financial Group, Inc. $CFG Bought by Nykredit A SMarketBeat, Sep 18
- CITIZENS FINANCIAL GROUP INC DEP SHS REPSTG 1/40TH PERP PFD SR I To Go Ex-Dividend On September 21st, 2026 With 0.40625 USD Dividend Per ShareMoomoo, Sep 18
- Bank of America Corp DE Purchases Shares of 3,188,042 Citizens Financial Group, Inc. $CFGMarketBeat, Sep 17
- Squarepoint Ops LLC Purchases 8,801 Shares of Citizens Financial Group, Inc. $CFGDefense World, Sep 17
- KeyCorp, Fifth Third Bancorp, Citizens Financial Group, Walker & Dunlop, and PNC Financial Services Group Shares Are Falling, What You Need To KnowThe Globe and Mail, Sep 16
- Citizens Financial Group Announces Prime Rate ChangeBusiness Wire, Sep 16
Citizens Financial peers
Citizens Financial’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| JPMJP Morgan Chase | Accumulation | 3.4% below |
| BACBank of America | Buying | 10.9% below |
| RYRoyal Bank Of Canada | Accumulation | 3.0% below |
| WFCWells Fargo | Accumulation | 6.9% below |
| CCitigroup | Accumulation | 7.7% below |
| TDToronto Dominion Bank | Neutral | 1.0% above |
A peer links to its own page where one exists.
Citizens Financial stock FAQ
What is Citizens Financial’s market cap?
Citizens Financial’s market cap is $28.35B at the Sep 18, 2026 close of $67.04, with 421.2M shares outstanding. The shares trade on a P/E ratio of 14.6.
What is the Citizens Financial stock forecast?
The consensus analyst 12-month price target for Citizens Financial is $81.47, +21.5% from the last close. Of the 17 firms that rated the stock in the last 90 days, 14 rate it a buy, 3 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.
Is Citizens Financial stock overvalued or undervalued?
On Gekko’s estimate Citizens Financial is undervalued: the Sep 18, 2026 close of $67.04 is 11.0% below Gekko Fair Value of $75.33. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does Citizens Financial report earnings next?
Citizens Financial is expected to report on Oct 16, 2026, before the market opens (26 days away). Analysts expect earnings of $1.40 per share on revenue of $2.34B. Citizens Financial beat the earnings estimate in 7 of its last 8 reports, moving 3.6% on average across the report.
What is Citizens Financial’s 52-week high and low?
Citizens Financial’s 52-week high is $75.33 and its 52-week low is $47.96; it closed at $67.04 on Sep 18, 2026, +28.3% over the past year.
Is Citizens Financial stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 2 of the 5 items with data read as supportive (gekkoindex and fair value), 2 as mixed (trend and seasonality) and 1 as a headwind (earnings risk). The checklist is a description of current data, not a recommendation.
How this page works
Prices and signals update after every US market close; the GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
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