CFG

Citizens Financial GroupB

NYSE / Banks

At close

2026-07-18

Current thesis

The Q2 beat was broad: NII, fees, operating leverage, credit, and EPS all improved, while management raised confidence in the 2026 trajectory and longer-term NIM and ROTCE targets [#SEC-8K-2026-07-16].

Posture

Constructive

Lead driver

Sentiment

What changed

Sentiment remains the lead driver in the composite, 7D delta +7.5.

What can break

2026 expenses are expected to be slightly higher than prior guidance, increasing execution risk for positive operating leverage.

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $78.20 · Bull $86.00 · Bear $64.00

Data freshness

Prices

As of 2026-07-18

Fundamentals

As of 2026-07-17 • Vendor: Data Vendor v1

Scores

As of 2026-07-18 • Model: HYBRID_IC_RP

AI Memo

As of 2026-07-17 • Model: RankAlpha Sentiment Codex

Investment thesis

As of 2026-07-18

Supporting evidence

What

Grade B · Constructive

Confidence Medium · Net Neutral

Target $78.17

Why

Momentum66 · Δ7d -3.9

Value47 · Δ7d -0.2

Sentiment55 · Δ7d +7.5

So what

Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Lead driver: Sentiment · See AI snapshot

Momentum

26% active weight

Current posture

7d trendFlat

Δ7d

-3.9

Δ21d

+1.9

Value

39% active weight

Current posture

7d trendFlat

Δ7d

-0.2

Δ21d

-0.8

Sentiment

34% active weight

Current posture

7d trendImproving

Δ7d

+7.5

Δ21d

+8.9

Why this grade

Composite grade B. Momentum 65.7 / Value 47.1 / Sentiment 55.1

Fundamentals (TTM)

As of 2026-07-17

Market Cap

$30.61B

Beta

1.09

Shares Out

422.88M

P/E (TTM)

17.1

P/S (TTM)

3.25

P/FCF (TTM)

14.24

Rev YoY

+2.7%

EPS YoY

+46.4%

Gross Margin

Op Margin

+26.7%

Net Debt

-$403M

Current Ratio

0.10

As of 2026-07-18 • Updated nightlySource: Internal modelMethodology