A Look At Citizens Financial Group (CFG) Valuation After Recent Results And Share Price Momentum

Simply Wall St.01-15

Citizens Financial Group (CFG) has drawn fresh attention after posting annual revenue of US$7,443.0 million and net income of US$1,566.0 million, putting the regional bank’s scale and profitability in...

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See our latest analysis for Citizens Financial Group. At a share price of US$59.93, Citizens Financial Group has seen a 23.85% 90 day share price return, while its 1 year total shareholder return of 32.18% and 5 year total shareholder return of 84.92% reflect momentum that has built over time as investors reassess both growth prospects and banking sector risks. If you are looking beyond regional banks, this could be a moment to scan fast growing stocks with high insider ownership as a way to spot other potential ideas on your radar. With Citizens Financial Group trading at US$59.93 after strong recent returns and an indicated intrinsic discount of around 39%, the key question now is whether this signals genuine undervaluation or if the market is already pricing in future growth. AdvertisementMost Popular Narrative: 10.8% Undervalued With Citizens Financial Group last closing at US$59.93 against a narrative fair value of about US$67.18, the valuation gap centers on how future growth and returns are expected to play out under a 7.01% discount rate. The build-out of Citizens' Private Bank and expansion into high-growth markets (New York Metro, Florida, California) is scaling well, with rising deposits, robust loan growth, and an increasing share of fee-based assets under management. This is likely to provide sustainable revenue diversification and accretive impacts to net earnings and ROE over the next several years. Read the complete narrative. Curious what sits behind that growth story? Revenue compounding, margin uplift and a reset earnings multiple all sit at the heart of this fair value view. Result: Fair Value of $67.18 (UNDERVALUED) Have a read of the narrative in full and understand what's behind the forecasts. However, that story could change quickly if commercial real estate credit issues resurface, or if higher spending on the Reimagine the Bank program weighs more heavily on margins. Find out about the key risks to this Citizens Financial Group narrative. Another Angle on Valuation The fair value narrative points to Citizens Financial Group trading at about a 10.8% discount, yet the P/E story is less straightforward. The current P/E of 16.4x sits above both peers at 12.5x and the US Banks industry at 11.9x, but just under the 17.8x fair ratio our work suggests. That mix of a premium to peers and a small discount to the fair ratio highlights both potential upside and valuation risk, depending on how earnings and sentiment evolve from here. Which side of that trade-off matters more to you right now? See what the numbers say about this price — find out in our valuation breakdown. NYSE:CFG P/E Ratio as at Jan 2026 Build Your Own Citizens Financial Group Narrative If you look at the numbers and come to a different conclusion, or simply prefer to test your own view, you can build a fresh thesis in just a few minutes with Do it your way A good starting point is our analysis highlighting 4 key rewards investors are optimistic about regarding Citizens Financial Group. Looking for more investment ideas? If Citizens Financial Group has your attention, do not stop there. Using a few targeted screens can quickly surface other stocks that fit the kind of opportunities you want.  Spot potential bargains early by checking out these 882 undervalued stocks based on cash flows that may be pricing in more caution than their cash flows suggest. Tap into the next wave of automation and data breakthroughs with these 25 AI penny stocks that are building their businesses around artificial intelligence. Position yourself for possible growth in digital assets by scanning these 80 cryptocurrency and blockchain stocks tied to blockchain, payments, and broader crypto infrastructure.   This article by Simply Wall St is general in nature. We provide commentary based on historical data\n    and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n    financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n    Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n    Simply Wall St has no position in any stocks mentioned.New: AI Stock Screener & AlertsOur new AI Stock Screener scans the market every day to uncover opportunities.• Dividend Powerhouses (3%+ Yield)• Undervalued Small Caps with Insider Buying• High growth Tech and AI CompaniesOr build your own from over 50 metrics.Explore Now for FreeHave feedback on this article? Concerned about the content? Get in touch with us directly. 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