Citizens Financial Group, Inc. (CFG)
Financial Services · Banks - Regional · Data as of 2026-10-22
Bottom line
CFG is trading at a premium to its history, near its historical resistance zone, and recent volume shows no clear direction. Historically, this combination has called for extra caution. Past patterns are not a guarantee of future results.
Valuation — Above its usual book-value multiple (Red)
For financial companies we look at price versus book value. CFG trades at 1.1× book value, against its own typical 0.8× while earning a 9% return on equity. Its current multiple sits around the 43rd percentile of its own last five years — around the middle of its own range.
Price zones — Near its historical resistance zone (Red)
At $65.24, the stock is close to the upper end of its recent range. Over the past year CFG has traded between $49.00 and $75.33; its historical support zone sits near $49.00 and resistance near $65.45. It is below both its 50- and 200-day averages, which has historically signalled a downtrend.
52-week range $49.00–$75.33 · 50-day average $67.37 · 200-day average $65.45
Money flow — No clear direction (Yellow)
Buying and selling volume in CFG have been fairly balanced recently, with no strong accumulation or distribution pattern. Volume on up days has been about 0.7× volume on down days over the last 30 sessions.
Dividends & company facts
CFG paid $1.84 a share in dividends over the past year — 2.8% of today's price — and raised it 2 times in the last five years. It also bought back shares: $607 million in fiscal 2025, about 2.3% of its market value.
- Dividend yield (12 months)
- 2.82%
- Paid over 12 months
- $1.84 a share
- Payout ratio
- 40.4%
- Buybacks
- 2.27% (fiscal 2025)
- Shares, past year
- -2.2%
- Revenue, 12 months
- $11.6B
- Profit, 12 months
- $2.3B
- Employees
- 17,398
- CEO
- Bruce Winfield Van Saun
- Headquarters
- Providence, RI
- Listed since
- 2014 · NYSE
About the company
Citizens Financial Group, Inc. (CFG) functions as the holding company for Citizens Bank, National Association, a major financial institution offering a comprehensive suite of retail and commercial banking solutions across the United States. It serves a broad spectrum of clients, from individual consumers and small enterprises to large corporations and various institutions.
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一句话结论
CFG 相对自身历史处于溢价水平，接近其历史阻力区，近期成交量没有明确方向。从历史来看，这样的组合需要格外谨慎。过去的形态并不能保证未来的结果。
估值 — 高于其惯常的市净率水平
对金融公司，我们看的是价格与账面价值的关系。CFG 的市净率为 1.1×，而它自身惯常的水平是 0.8×，同时取得 9% 的净资产收益率。它当前的估值倍数大约位于自身过去五年分布的第 43 百分位——处于自身区间的中部。
价格区间 — 接近其历史阻力区
目前价格为 $65.24，接近其近期区间的上沿。过去一年 CFG 的价格在 $49.00 到 $75.33 之间波动；其历史支撑区在 $49.00 附近，阻力区在 $65.45 附近。它同时位于 50 日和 200 日均线下方，这在历史上通常对应下降趋势。
资金流向 — 方向不明确
CFG 近期的买卖成交量大致均衡，没有明显的吸筹或派发形态。过去 30 个交易日，上涨日的成交量约为下跌日的 0.7×。
股息与公司概况
CFG 过去一年每股派息 1.84 美元，相当于当前股价的 2.8%，过去五年上调过 2 次。它也回购了股票：2025 财年回购 6.1亿美元，约占市值的 2.3%。
UnderTheLight 用直白的语言解释股票——估值、价格区间与资金流向。它只描述数据，不构成任何投资建议。
UnderTheLight explains stocks in plain English — valuation, price zones and money flow as traffic lights, recomputed nightly. It describes data; it is not investment advice and never recommends a trade.