CFG
Citizens Financial GroupNYSEFinancialsBanks - RegionalSnapshot 2026-05-08
As of May 8, 2026, CFG has a composite score of 6.4, with a signal label of "mixed" and a medium confidence level of 75.5. The score is influenced by various factors, including a macro score of -7.7 and a sector score of 14.6. The analysis is provisional, reflecting potential changes in guidance and macroeconomic conditions.
Price
Daily closes from AlphaVantage. Earnings/event dots are placed inline.
Factor signals
Read top-to-bottom: thesis (is this a strong company over a 1–3 year hold), watch flags (has something changed worth re-reading), and position context (how violent might the path be). Each pill is a parallel diagnostic — never aggregated into a single score.
Thesis
— is this a strong company over a 1–3 year hold?Why this rank
- Direction share1.00
- Slope (norm)-0.08
- Bonus0.00
Why this rank
Trailing four: 2024-Q3, 2025-Q1, 2025-Q2, 2025-Q3
Why this rank
Watch
— has something changed worth re-reading?Why this setup
EPS estimate $1.24 → $1.24 (-0.3% / 30d). 4 raised, 5 cut, 13 covering analysts.
0 upgrades, 0 downgrades / 30d, 6 maintained. 94% of analysts rate Buy.
3 PT revisions / 30d. Avg target 11.8% above current price.
0 positive, 0 negative / 30d.
F4 · Management deep-dive — recent events, stated priorities, guidance track record
Recent 8-K events
No recent events recorded.
Stated priorities
3 priorityies extracted from earnings transcripts (as of 2026-05-08).
- 1.Maintain strong net interest margingrowthbehind0% progress
4/16: “Net interest margin increased to 3.14% from 2.89% a year ago.”
Why this status
Stated in 3 of last 3 quarters. Net interest margin increased to 3.14% from 2.89% a year ago, showing consistent improvement. The trajectory indicates delivering on this priority.
- 2.Enhance noninterest incomegrowthbehind0% progress
4/16: “Total noninterest income decreased slightly to $606M from $620M in the previous quarter.”
Why this status
Stated in 3 of last 3 quarters. Total noninterest income decreased slightly to $606M from $620M in the previous quarter, indicating limited progress in enhancing noninterest income.
- 3.Improve efficiency ratiocostbehind0% progress
4/16: “Efficiency ratio increased to 63.55% from 62.24% in the previous quarter.”
Why this status
Stated in 2 of last 2 quarters. Efficiency ratio increased to 63.55% from 62.24% in the previous quarter, showing a setback in improving cost efficiency.
Guidance track record
Insufficient guidance history for this ticker.
Position context
— how violent might the path be while I hold it?Why this risk level
Recent vol — 30d annualized 24%; 252d 27%.
Drawdown — Max 1y −18%. Bad day move −2%.
Beta to sector ETF (XLF) — 1.38 over 1y.
Liquidity — score 100/100.
Sub-scores — vol 56/100, drawdown 63/100, beta 62/100, earnings vol —.
via XLF
Tailwind = sector leading the S&P 500; headwind = trailing. Both can be constructive — historically, headwind regimes have averaged stronger forward returns than tailwind.
Context label only — describes the market state (e.g. real bear vs narrative panic, healthy uptrend vs late-stage froth). It is not a per-ticker buy/sell signal and does not predict factor performance.
Not investment advice. As of 2026-05-08.
What changed
The most important moves since the prior daily snapshot.
- No material changes since the prior snapshot.
No material changes since the prior snapshot.
as of 2026-05-08
Management scorecard
How management runs the business — capital, margins, balance sheet, and how reliably they guide and deliver.
What management is focused on
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
- #1
Maintain strong net interest margin
GrowthFocus on sustaining a robust net interest margin through effective asset-liability management.
BehindStated in 3 of last 3 quarters. Net interest margin increased to 3.14% from 2.89% a year ago, showing consistent improvement. The trajectory indicates delivering on this priority.
0%CEO/CFO:“Net interest margin increased to 3.14% from 2.89% a year ago.”Multiple sourcesSource dated 2026-04-16Stated 3 of last 8 quartersFirst seen 2026-04-16Show history (3)
- 2026-Q1Multiple sources
“Net interest margin increased to 3.14% from 2.89% a year ago.”
- 2025-Q4Multiple sources
“Net interest margin improved to 3.06% from 2.99% in the previous quarter.”
- 2025-Q3Multiple sources
“Net interest margin rose to 2.99% from 2.94% in Q2.”
- #2
Enhance noninterest income
GrowthIncrease noninterest income through diversified revenue streams.
BehindStated in 3 of last 3 quarters. Total noninterest income decreased slightly to $606M from $620M in the previous quarter, indicating limited progress in enhancing noninterest income.
0%CEO/CFO:“Total noninterest income decreased slightly to $606M from $620M in the previous quarter.”Multiple sourcesSource dated 2026-04-16Stated 3 of last 8 quartersFirst seen 2026-04-16Show history (3)
- 2026-Q1Multiple sources
“Total noninterest income decreased slightly to $606M from $620M in the previous quarter.”
- 2025-Q4Multiple sources
“Noninterest income was $620M, down from $630M in Q3.”
- 2025-Q3Multiple sources
“Noninterest income increased to $630M from $600M in Q2.”
- #3
Improve efficiency ratio
CostFocus on reducing noninterest expenses to improve the efficiency ratio.
BehindStated in 2 of last 2 quarters. Efficiency ratio increased to 63.55% from 62.24% in the previous quarter, showing a setback in improving cost efficiency.
0%CEO/CFO:“Efficiency ratio increased to 63.55% from 62.24% in the previous quarter.”Multiple sourcesSource dated 2026-04-16Stated 2 of last 8 quartersFirst seen 2026-04-16Show history (2)
- 2026-Q1Multiple sources
“Efficiency ratio increased to 63.55% from 62.24% in the previous quarter.”
- 2025-Q4Multiple sources
“Efficiency ratio improved to 62.24% from 63.03% in Q3.”
How this stock is priced
Two ways to read price: against peers in the same business, and against the company's own history.
Looks more expensive than peers.
Around its own typical valuation.
P/E over the last 5 years
71 monthly pointsHow this compares
A side-by-side read on composite, valuation, and risk versus peers.
| Stock | Composite | Valuation | Risk |
|---|---|---|---|
CFG Citizens Financial Group | +6.4 | fair | moderate |
BRK-B Berkshire Hathaway | +6.0 | — | moderate |
JPM JPMorgan Chase | -0.9 | full | low |
V Visa Inc. | +20 | — | low |
MA Mastercard | +15 | full | low |
Risk — how this stock moves
What a normal day looks like, what a bad day looks like, and the worst the last year has thrown at it.
What could change this view
Conditional scenarios — if X happens, the score would shift by about Y points. These are not predictions.
- If rates state reverses from -0.37 (negative) to +0.37 (positive)+6.6 pts
- If financials sector trend rises from +0.07 into 'improving' (>= +0.20)+5.0 pts
- If next-quarter guidance is raised (currently NEW as of 2026-04-16)+4.0 pts
- If next-quarter guidance is cut (currently NEW as of 2026-04-16)-8.0 pts
- If financials sector trend falls from +0.07 into 'weakening' (<= -0.20)-5.0 pts
Material updates
Recent SEC 8-K filings ranked by likely impact, confidence, and recency.
- 2026-04-1623d agoItem 2.02
Results of Operations and Financial Condition. On April 16, 2026, Citizens Financial Group, Inc. (the “Company”) issued a press release announcing its first quarter 2026 earnings and posted on its website the press release and a financial supplement. Copies of the press release and financial supplement are being furnished as Exhibits 99.1 and 99.3, respectively.
earnings preannouncementneutralscore 39
Score history
The composite score, snapshot by snapshot. The dotted line at zero separates leaning-positive from leaning-negative.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.