Citizens Financial Group (CFG)
NYSEFinancialsBanks - RegionalSnapshot 2026-07-07
$71.80-0.43%
Close 2026-07-07 · 1-day change
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Price, fair value, and the multiples that frame it on the same time axis. Scroll over the price chart to zoom.
Daily closes. Earnings/event dots inline.
A consensus fair price across 14 valuation methods, at three horizons. Current price $71.80. As of 2026-07-08. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
A long-thesis check that carries the widest uncertainty of the three horizons.
Above average on quality vs scored peers
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
At $72 CFG trades at 1.2× p/b, below its 1.2× p/b peer median, but our blended $61 fair value sits below the price. We hold it with medium confidence: our number sits below the analyst range. Analysts target $65–$80. Note: our $61 fair value sits below the entire analyst range ($65–$80). Even valued only for durable growth at sustainable margins, it's worth about $88 — above today's price, so the premium reflects that growth case, not pure multiple expansion. Not investment advice.
$65.00 – $80.00 (median $72.00) · 7 analysts · as of 2026-07-06
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
No fragility gates fired. Regime (Mania) does not concentrate fragility.
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
Looks more expensive than peers.
Richer than its own typical valuation.
Trailing four: 2025-Q1, 2025-Q2, 2025-Q3, 2026-Q1
Score 100 = cheapest in the cohort, 0 = richest. Bars are filled left-to-right based on the peer-relative score (or PEG/self-history where shown).
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
Each method's implied share price per horizon. Provisional rows use a projected (historical-CAGR) growth input rather than analyst or management guidance.
| Method | Horizon | Est. price | Multiple | Per-share input | EPS source | Confidence |
|---|---|---|---|---|---|---|
| analyst target | 12M | $73.00 | — | — | Analyst | high |
| dcf fcfe | 12M | $45.84 | — | — | Hist. CAGR | high |
| dcf fcff | 12M | $59.17 | — | — | Hist. CAGR | high |
| ddm gordon | 12M | $7.38 | — | — | TTM | high |
| graham number | 12M | $76.12 | — | — | TTM | high |
| Mgmt guidance | 12M | $13.54 | 12.0 | 1.13 | Mgmt | high |
| Peer P/B | 12M | $74.34 | 1.2 | 60.88 | TTM | high |
| Peer P/FCF | 12M | $71.99 | 12.4 | 5.82 | TTM | high |
| Peer P/E | 12M | $50.67 | 12.0 | 4.23 | TTM | high |
| Peer P/S | 12M | $58.71 | 3.0 | 19.73 | TTM | high |
| PEG | 12M | $82.38 | 19.5 | 4.23 | TTM | high |
| residual income | 12M | $54.92 | — | — | TTM | high |
| Own P/E history | 12M | $59.82 | 14.1 | 4.23 | TTM | high |
| triangulated | 12M | $51.60 | 12.0 | 4.31 | Triangulated | high |
| Mgmt guidance | 3Y | $31.61 | 12.0 | 2.64 | Mgmt(prov.) | medium |
| Peer P/B | 3Y | $80.39 | 1.2 | 65.84 | Hist. CAGR(prov.) | medium |
| Peer P/FCF | 3Y | $50.49 | 12.4 | 4.08 | Hist. CAGR(prov.) | medium |
| Peer P/E | 3Y | $91.02 | 12.0 | 7.60 | Analyst | medium |
| Peer P/S | 3Y | $81.06 | 3.0 | 27.24 | Analyst | medium |
| PEG | 3Y | $147.97 | 19.5 | 7.60 | Analyst | medium |
| Own P/E history | 3Y | $107.44 | 14.1 | 7.60 | Analyst | medium |
| Mgmt guidance | 5Y | $55.64 | 12.0 | 4.64 | Mgmt(prov.) | high |
| Peer P/B | 5Y | $84.70 | 1.2 | 69.37 | Hist. CAGR(prov.) | high |
| Peer P/FCF | 5Y | $39.86 | 12.4 | 3.22 | Hist. CAGR(prov.) | high |
| Peer P/E | 5Y | $112.35 | 12.0 | 9.38 | Analyst | high |
| Peer P/S | 5Y | $100.06 | 3.0 | 33.62 | Analyst | high |
| PEG | 5Y | $182.65 | 19.5 | 9.38 | Analyst | high |
| Own P/E history | 5Y | $132.62 | 14.1 | 9.38 | Analyst | high |
A “consensus-then vs. actual-now” overlay is on the way — what our valuation estimate said on a past date versus where the price actually landed.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.