CFG — Citizens Financial Group, Inc.

Stock analysis, trade plans, and proprietary indicators by Trend Edge.

Trend Edge Setup Score

Trend Edge rates CFG Bullish with a Setup Score of 28, net conviction 26, actionability 31. How the Setup Score works →

Total Setup Score28
Directional BiasBullish
Net Conviction26
Actionability31 (in range)

Key signals behind this score

About Citizens Financial Group, Inc.

Citizens Financial Group, Inc. operates as the bank holding company that provides retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations, and institutions in the United States. The company operates through two segments, Consumer Banking and Commercial Banking. The Consumer Banking segment offers deposit products, mortgage and home equity lending products, credit cards, bus… Read full Trend Edge analysis →

Trend Edge Proprietary Indicators

Key Metrics

Current Price$70.23
Market Cap$29.36B
Float417.1M
Shares Outstanding421.2M
P/E (Forward)13.44
P/E (TTM)15.42
Price/Sales (TTM)3.60
vs. Analyst Target+15.1% to analyst PT
Profit Margin26.05%
Operating Margin (TTM)35.13%
Revenue (TTM)$8.16B
Earnings Growth (YoY)41.30%
Dividend Rate1.8%
Analyst Target Price$80.82 (17 analysts)

Financial History

Annual Revenue & Earnings History

YearRevenueNet IncomeGross ProfitEBITDA
2020 $7.68B $1.06B $5.29B $1.88B
2021 $6.99B $2.32B $7.06B $3.60B
2022 $9.07B $2.07B $7.55B $3.22B
2023 $12.19B $1.61B $7.54B $2.51B
2024 $12.35B $1.51B $7.11B $2.39B
2025 $11.15B $1.83B $7.78B $2.69B

Recent Quarterly Revenue & Net Income

QuarterRevenueNet Income
Sep 2025 $3.09B $494M
Dec 2025 $2.16B $528M
Mar 2026 $3.03B $517M
Jun 2026 $3.19B $587M

Ownership & Float

Insider Ownership0.7%
Institutional Ownership100.4%
Short Float4.6%
% of All Funds Holding12.41%
Number of Funds Holding1,092

Current Moving Averages

Trend Edge tracks near-term, medium-term, cyclical, and secular moving averages across weekly and monthly timeframes to identify trend structure at every horizon.

TimeframeSMAValueTrend Context
Weekly10-Week SMA$71.51Near-term / short-term trend
Weekly40-Week SMA$64.05Medium-term trend
Weekly80-Week SMA$54.82Cyclical trend (business cycle)
Weekly200-Week SMA$43.30Secular trend (multi-year)
Monthly10-Month SMA$63.49Near-term monthly trend
Monthly20-Month SMA$54.76Medium-term monthly trend
Monthly40-Month SMA$44.62Secular monthly trend

Volume Shelves — Support & Resistance

Trend Edge identifies volume shelves: price zones where historically elevated trading volume creates structural support or resistance. A volume shelf forms when a disproportionate share of cumulative volume was transacted at a specific price level, making it a high-conviction anchor for future price reactions.

Price LevelTypeVolume RatioAge
$54.00 support 1.02x 7 months ago
$41.00 support 1.10x 13 months ago
$36.30 support 1.24x 24 months ago

Historical Earnings Reactions (48 events)

TimeframeAvg ReturnMedianWin RateBestWorst
Gap 0.13% 0.15% 58.33% 2.01% -4.03%
1 Day -0.48% 0.01% 50.00% 3.12% -6.40%
1 Week 0.54% 0.42% 50.00% 12.88% -9.83%
2 Weeks 0.17% -0.19% 47.92% 9.00% -18.52%
1 Month 1.78% -0.51% 46.81% 24.76% -14.28%

Next earnings: October 16, 2026 (51 days away)

Seasonality & Day-of-Week Patterns

Monthly Seasonality

MonthAvg ReturnWin RateSamples
Jan2.5%66.7%12
Feb-0.7%41.7%12
Mar-7.7%25.0%12
Apr3.2%66.7%12
May-0.0%58.3%12
Jun0.4%66.7%12
Jul5.1%66.7%12
Aug-0.3%54.5%11
Sep-0.0%36.4%11
Oct1.6%66.7%12
Nov9.6%83.3%12
Dec1.6%58.3%12

Day-of-Week Tendencies

DayAvg ReturnWin RateSamples
Monday 0.03% 51.9% 561
Tuesday 0.10% 52.2% 617
Wednesday 0.05% 50.7% 614
Thursday -0.00% 49.8% 602
Friday 0.13% 53.0% 600

Top Institutional Holders

Institutional holder breakdown coming soon.

Total institutional ownership: 100.4%

Insider Transactions — Smart Summary

Total insider ownership: 0.7%

12-Month Insider Activity Summary

Total Filings4
Net Value-$10.5M
Net Shares Change-186,835
% of Float-0.0%
C-Suite Filings3
Clusters Detected0

Key Insiders

NameTitleNet ValueFilingsActivity
VAN SAUN BRUCE Chairman and CEO -$9.3M 1 1 sell
LaMonica Susan Chief Human Resources Officer -$769,494.32 1 1 sell
Moosally Michelle Chief Legal Officer -$376,068 1 1 sell
Swift Christopher +$1,116 1 1 buy

Significant Filings

DateInsiderTitleNet ValuePrice After
2026-08-17 Swift Christopher +$1,116 Transaction at $37.20, now +88.8%
2026-07-28 VAN SAUN BRUCE Chairman and CEO -$9.3M Transaction at $72.07, now -2.6%
2026-05-14 Moosally Michelle Chief Legal Officer -$376,068 Transaction at $62.16, now +13.0%
2026-03-12 LaMonica Susan Chief Human Resources Officer -$769,494.32 Transaction at $58.04, now +21.0%

View full insider transaction history on Trend Edge →

AI Consult Analysis

Trend Edge's AI Consult feature delivers a comprehensive, multi-layer trade plan for Citizens Financial Group, Inc. (CFG) powered by Claude Opus — Anthropic's most capable AI model. The analysis covers five layers: technical analysis (near-term, medium-term, cyclical, and secular trend, momentum, volume shelf support and resistance, breakout and breakdown signals), qualitative analysis (business model, competitive moat, sector dynamics), insider sentiment (buy and sell signals from executive and director transactions), share stats analysis (institutional accumulation, fund positioning, short float squeeze potential), and fundamental analysis (valuation, revenue growth, profit margin, earnings quality).

AI Consult synthesizes all five layers into a single bullish or bearish thesis with explicit entry, exit, stop loss, and take profit levels — giving you a complete, AI-powered trade plan with defined risk/reward. Whether you are building a long position, initiating a short, or looking for a reversal setup, AI Consult identifies the highest-probability signal from the current trend.

Get the full AI Consult analysis for CFG on Trend Edge →