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
Nov 4 close
$65.90+1.53 (+2.4%)
Gekko Brief
AI summaryNov 4 closeCitizens Financial Group this week announced it will replace Deloitte & Touche with PricewaterhouseCoopers as its independent auditor, a change approved on October 28 and taking effect after Deloitte completes the 2026 fiscal year audit. The stock also drew attention after a "Moderate Buy" consensus from sell-side brokerages, alongside continued reference to its Q3 results, including EPS of $1.41, ROTCE of 15.1%, and a 13% dividend increase to $0.52 per share, reported on 16 October.
CFG closed at $65.90, up 2.4% on the day, sitting between its 50-day average of $66.14 and 200-day average of $65.66, with mixed near-term trend signals. The GekkoIndex reads 56.1, placing the stock in the Neutral zone, down 1.6 over the last five readings. Shares trade 6.2% below Gekko Fair Value of $70.29, and remain below the 52-week high of $75.33 reached in August, with a 52-week low of $49.00.
The next earnings date falls on 21 January 2027, 77 days out, placing it outside a typical 20-trading-day holding window. Smart money activity over the last 90 days shows one Congressional buy and no sales, with zero billionaire holders recorded. Analyst coverage spans 16 firms, with 13 at buy and 3 at hold, and a consensus target of $76.39. Seasonality over the next 20 trading days has averaged 5.4% across 5 years, with gains in 3 of them, a pattern worth noting alongside the earnings gap ahead.
Written by AI from the Nov 4, 2026 close and checked automatically against the figures on this page.
Citizens Financial price vs fair value
Close $65.90200-day averageGekko Fair Value $70.29
Citizens Financial quick facts
- Market cap
- $27.62B
- P/E ratio
- 13.1
- Forward P/E
- 9.8
- EPS, TTM
- $4.95
- Revenue, TTM
- $8.39B
- Profit margin
- 27%
- Dividend yield
- 2.88%
- Beta
- 1.10
- Volume
- 7.16M avg 4.59M
- 1-year return
- +29.2%
- Typical daily move
- ±2.2%
- Typical 20-day move
- ±6.4%
- 50-day average
- $66.14
- 200-day average
- $65.66
- Next earnings
- Jan 21 before open
- Shares outstanding
- 419.2M
Citizens Financial swing-trade checklist
Citizens Financial scores 4 supportive, 2 mixed and 0 headwinds across the 6 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
4 supportive2 mixed0 headwinds
- Trendmixed
Averages disagree
Close $65.90 sits between the 50-day ($66.14) and 200-day ($65.66) averages, or the averages disagree.
See the chart - GekkoIndexmixed
56.1, Neutral
Reading 56.1 is in the Neutral zone.
See the GekkoIndex - Fair valuesupportive
6.2% below
Price is 6.2% below Gekko Fair Value (more than 5% below).
See fair value - Smart moneysupportive
Leans bullish
Last 90 days: Congress 1 buy / 0 sales.
See smart money - Earnings risksupportive
Reports in 77 days
Next report Jan 21, 2027, 77 days away — outside a typical 20-trading-day hold.
See earnings - Seasonalitysupportive
+5.4% on average
From this point in the calendar, the next 20 trading days averaged +5.4% over 5 years, rising in 3 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 $65.90 on Nov 4, 2026, +29.2% over the past year, inside a 52-week range of $49.00 to $75.33.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- +2.8%
- 3 months
- −9.0%
- 6 months
- +0.4%
- 1 year
- +29.2%
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 56.1, in the Neutral zone, down 1.6 points over five sessions.
56.1Neutral
Down 1.6 points over five sessions.
Reading for Nov 4, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days |
|---|---|---|---|
| Buying | 18 | +0.7% | −0.9% |
| Accumulation | 181 | +0.6% | +4.2% |
| Neutral (current zone) | 441 | +0.6% | +2.0% |
| 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, Neutral readings averaged +1.0% over 20 days. Past behaviour doesn’t guarantee future results.
Neutral zone: No clear directional signal. 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 6.2% below Gekko Fair Value of $70.29, so the shares are undervalued on Gekko’s estimate.
Gekko’s own estimate of what Citizens Financial shares are worth, recalculated every trading day.
$70.29
Gekko Fair Value, Nov 4, 2026
6.2% Undervalued
At the end of Aug 2026 the price was 10.1% below the estimate.
Gekko Fair ValueShare price, month end
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 members of Congress disclosed 1 purchase and 0 sales, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
1trade disclosed: 1 purchase and 0 sales.
| Member | Amount | Disclosed |
|---|---|---|
| Ro Khanna House, CA, purchase | $1,001 - $15,000 | Oct 9 traded Sep 4 |
From congressional disclosures, which report amounts as ranges.
Buybacks
Citizens Financial has been buying back its own shares.
- Latest authorization
- $1.95B, Oct 16, 2026
- Bought back, quarter ended Sep 30, 2026
- $125.0M
- As a share of market cap
- 0.45%
- Trailing four quarters
- $1.18B
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 Jan 21, 2027, before the open (77 days away), and beat the EPS estimate in 8 of its last 8 reports.
Next earnings report
Jan 21, 2027
Expected before the open, 77 days away
- EPS estimate
- $1.48
- Revenue estimate
- $2.40B
8 of 8reports beat the EPS estimate
±3.3%average move across the report
4 of 8reports followed by a gain
Share-price move across each report
Last earnings call, Oct 16, 2026 AI summary
- What they said
- CFG reported Q3 EPS of $1.41, up 8.5% sequentially and 34% year-over-year, with ROTCE improving to 15.1%. Record total revenues were driven by NII growth of 2.7% sequentially and 13% year-over-year, with NIM expanding 2 basis points to 3.19%. PPNR rose 4.5% linked quarter and 19% year-over-year. Board approved a 13% dividend increase to $0.52/share and expanded share repurchase capacity to $1.95 billion.
- Guidance
- Management expects favorable NIM expansion in Q4, with deposits turning seasonally positive and strong M&A pipelines at record levels. At least $200 million in Q4 share repurchases planned. CFG expressed confidence in 2027 positioning despite ongoing macro uncertainty and volatility.
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Oct 16, 2026 | $1.41 est $1.39 | $2.32B est $2.34B | −1.1% |
| 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% |
“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 $76.39, +15.9% from the last close, from 16 firms rating the stock in the last 90 days.
$76.39consensus 12-month target, +15.9% from the last close
Now $65.90Avg $76.39
Low $65High $87
Each firm’s latest rating in the last 90 days: 16 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Oct 29 | Barclays | $81 | +22.9% |
| Oct 27 | Evercore ISI | $74 | +12.3% |
| Oct 20 | Citi | $74 | +12.3% |
| Oct 20 | Truist Financial | $70 | +6.2% |
| Oct 20 | Stephens | $65 | −1.4% |
+2.0%average 20-day move after past Neutral readings
+5.4%average move over the next 20 trading days in the last 5 years
±2.2%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 Nov 4, Citizens Financial averaged +5.4% across the last 5 years, rising in 3 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | +3.4% | 4 of 5 |
| Next 10 trading days | +4.6% | 4 of 5 |
| Next 15 trading days | +5.7% | 5 of 5 |
| Next 20 trading days | +5.4% | 3 of 5 |
| Next 30 trading days | +7.9% | 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 $27.62B, with a P/E ratio of 13.1 and revenue of $8.39B over the last twelve months.
Valuation
- Market cap
- $27.62B
- P/E ratio
- 13.1
- Forward P/E
- 9.8
- EPS, TTM
- $4.95
- Gekko Fair Value
- $70.29
Trading
- Volume
- 7.16M
- Avg volume, 20 days
- 4.59M
- 52-week high
- $75.33
- 52-week low
- $49.00
- Shares outstanding
- 419.2M
Financials
- Revenue, TTM
- $8.39B
- Profit margin
- 27%
- Return on equity
- 8.9%
- Quarterly earnings growth, YoY
- +34.3%
Risk and income
- Beta
- 1.10
- Typical daily move
- ±2.2%
- Typical 20-day move
- ±6.4%
- Dividend yield
- 2.88%
Citizens Financial stock news this week
Coverage of Citizens Financial this week reads neutral: 5 positive, 12 neutral and 4 negative headlines.
- Citizens Financial Group Inc. stock underperforms Monday when compared to competitors despite daily gainsMarketWatch, Nov 2
- Citizens Financial Group Inc. RI Sells 11,115 Shares of First Citizens BancShares, Inc. $FCNCAMarketBeat, Nov 2
- Oppenheimer & Co. Inc. Sells 30,067 Shares of Citizens Financial Group, Inc. $CFGMarketBeat, Nov 1
- Citizens Financial Group Inc (1C5.SG) Seasonal returns chartYahoo Finance UK, Nov 1
- Citizens Financial Group to appoint PwC as new auditor after Deloitte dismissalInvesting.com UK, Oct 31
- Citizens Financial Group, Inc. (NYSE:CFG) Stock Now Rated "Moderate Buy" by Sell-Side BrokeragesMarketBeat, Oct 31
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 | Neutral | 0.8% below |
| BACBank of America | Accumulation | 12.3% below |
| RYRoyal Bank Of Canada | Neutral | 1.7% above |
| WFCWells Fargo | Neutral | 2.4% below |
| TDToronto Dominion Bank | Neutral | 5.8% above |
| CCitigroup | Accumulation | 9.8% below |
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 $27.62B at the Nov 4, 2026 close of $65.90, with 419.2M shares outstanding. The shares trade on a P/E ratio of 13.1.
What is the Citizens Financial stock forecast?
The consensus analyst 12-month price target for Citizens Financial is $76.39, +15.9% from the last close. Of the 16 firms that rated the stock in the last 90 days, 13 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 Nov 4, 2026 close of $65.90 is 6.2% below Gekko Fair Value of $70.29. 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 Jan 21, 2027, before the market opens (77 days away). Analysts expect earnings of $1.48 per share on revenue of $2.40B. Citizens Financial beat the earnings estimate in 8 of its last 8 reports, moving 3.3% 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 $49.00; it closed at $65.90 on Nov 4, 2026, +29.2% 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, 4 of the 6 items with data read as supportive (fair value, smart money, earnings risk and seasonality), 2 as mixed (trend and gekkoindex). The checklist is a description of current data, not a recommendation.
How this page works
During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each 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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