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CFG Citizens Financial Group

bank · 2026-10-23

N/A
too hard · 52
Owner-earnings value$48.32
Price$65.24
Margin of safety -25.9%

Quality gate · 52/100

Returns on capital 2.1/30
Consistency 20.4/22
Margins / pricing power 4/16
Balance sheet 14.2/16
Cash conversion 5.0/10
Capital allocation 6/6

⚠ weak through-cycle ROE (7%)

Median ROE6.8%
FCF conversion152%
Share count / yr-4.5%
Profitable years4/4

Moat & management

Owner-earnings inputs

Owner earnings (TTM)2.13B
Owner-earnings yield7.7%
Free-cash-flow yield8.6%
Growth used (normalized)0.9%
Terminal growth3.0%
Discount rate (hurdle)9.7%

⚠ financial — owner earnings ≈ net income · financial — valued by residual income (ROE vs cost of equity on book equity)

History

DateQualityPriceValueMoSRating
2026-10-23 52 $65.24 $48.32 -25.9% N/A
2026-10-06 52 $64.31 $46.11 -28.3% N/A
2026-09-17 52 $66.84 $49.94 -25.3% N/A
2026-08-31 52 $69.71 $51.71 -25.8% N/A
2026-08-12 52 $72.99 $51.99 -28.8% N/A
2026-07-24 52 $71.80 $46.62 -35.1% N/A
2026-07-07 52 $72.11 $48.12 -33.3% N/A
2026-07-02 52 $71.82 $47.45 -33.9% N/A
2026-06-30 55 $70.43 $48.19 -31.6% N/A
2026-06-25 55 $69.46 $47.97 -30.9% N/A
2026-06-23 55 $68.99 $47.33 -31.4% N/A