What is Citizens Financial Group, Inc. (CFG) DCF Fair Value and Intrinsic Value in 2026?

Citizens Financial Group, Inc. (CFG) intrinsic value is calculated using conservative multi-stage Discounted Cash Flow (DCF) models, 5-year free cash flow trajectories, Graham Numbers, and owner earnings multiples. LocalAlpha tracks real-time margin of safety against live market prices.

What is Citizens Financial Group, Inc.'s historical Return on Invested Capital (ROIC) and Moat Rating?

Citizens Financial Group, Inc. operates in the Financials sector (Banks - Regional) with an economic moat rating of NONE. LocalAlpha tracks 5-year audited quarterly ROIC, operating margin stability, and balance sheet solvency ratios.

What is Citizens Financial Group, Inc.'s financial health rating and Piotroski F-Score?

Citizens Financial Group, Inc.'s balance sheet quality is evaluated using the 9-point Piotroski F-Score, Altman Z-Score solvency model, debt-to-equity ratio, and quick/current liquidity coverage to guard against financial distress.

How does LocalAlpha monitor Citizens Financial Group, Inc. (CFG) for quarterly SEC filing thesis breaks?

LocalAlpha audits Citizens Financial Group, Inc.'s 10-K, 10-Q, and 8-K regulatory filings on SEC EDGAR within 15 minutes of release. If reported metrics breach an investor's custom ROIC floor, operating margin boundary, or qualitative risk criteria, an autonomous breach audit is dispatched immediately.

StocksCFG

CFG

Citizens Financial Group, Inc.Financial Services / Banks - RegionalINTACT

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, business loans, and wealth management services; and education and point-of-sale finance loans, as well as digital deposit products. This segment serves its customers through telephone service centers, as well as through its online and mobile platforms. The Commercial Banking segment provides various financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange, and interest rate and commodity risk management solutions, as well as syndicated loans, corporate finance, mergers and acquisitions, and debt and equity capital markets services. The company serves customers and small businesses, high- and ultra-high-net-worth individuals and families, as well as investors, entrepreneurs, and companies and institutions, as well as multifamily, office, industrial, retail, healthcare, and hospitality sectors. The company was formerly known as RBS Citizens Financial Group, Inc. and changed its name to Citizens Financial Group, Inc. in April 2014. Citizens Financial Group, Inc. was founded in 1828 and is headquartered in Providence, Rhode Island.

Share Price

$70.48

52W: $47.96 - $75.33

DCF Fair Value

$130.87

+46.1% MoS

Thesis Hub

P/E (TTM)

15.4x

ROIC

26.3%

Operating Margin

35.1%

FCF Yield

6.2%

Debt / Equity

0.65x

Piotroski Score

7/9

Altman Z-Score

3.11

Market Cap

$29.7B

Price vs. Intrinsic Value Corridor

Margin of Safety Buy Zone (<25% Discount)

Historical market price overlaid against conservative DCF Fair Value & Benjamin Graham Margin of Safety bands.

Period Return (1Y)

—()

Period Range

$— - $—

DCF Fair Value

$130.87

MOS Buy Target (-25%)

$98.15

Valuation Overlays: DCF Fair Value ($130.87) 25% MOS Buy Target ($98.15) Revised Graham ($146.42) Graham Number ($76.69)

2-Stage Discounted Cash Flow (DCF) Workbench

Conservative intrinsic value model based on owner cash generation over a 10-year investment horizon. Opens with LocalAlpha's baseline assumptions (matching the fair value shown above) — adjust any input to stress-test.

Current Market Price

$70.48

DCF Fair Value

$130.94

+46.2% MoS

Starting Free Cash Flow ($M)$1,837M

$100M$1,837M (Reported)$50,000M

Stage 1 Growth (Years 1-5)17.5%

-5%10% (Target)35%

Stage 2 Growth (Years 6-10)4.5%

0%5%20%

Discount Rate (WACC / Hurdle)9.0%

6%9% (Standard)15% (High Risk)

Terminal Perpetual Growth2.5%

1% (GDP Floor)2.5% (Inflation)4.0%

Net Debt ($M)$2,400M

-$100B CashBalance Sheet+$150B Debt

10-Yr PV of Cash Flows

$23.4B

PV of Terminal Value

$34.2B

Implied Enterprise Value

$57.5B

Implied Equity Value

$55.1B

Year	Yr 1	Yr 2	Yr 3	Yr 4	Yr 5	Yr 6	Yr 7	Yr 8	Yr 9	Yr 10
Projected FCF ($M)	$2,158	$2,536	$2,980	$3,502	$4,114	$4,299	$4,493	$4,695	$4,906	$5,127
Present Value (PV)	$1,980	$2,135	$2,301	$2,481	$2,674	$2,564	$2,458	$2,356	$2,259	$2,166

Benjamin Graham & Buffett Value Models

Classical deep value metrics based on asset backing, normalized earnings power, and owner cash yield.

Graham Number+8.1%

$76.69

Calculated as √(22.5 × EPS × BVPS). The maximum theoretical price a defensive investor should pay based purely on asset book value and current earnings.

EPS: $4.59BVPS: $56.95

Revised Graham Formula+51.9% MoS

$146.42

Formula: V = (EPS × (8.5 + 2g) × 4.4) / Y where g is the conservative 7-10 yr growth rate and Y is AAA Bond Yield.

Growth Rate (g%)

Bond Yield (Y%)

Buffett Owner Earnings5.9% Yield

$4.15 / share

True distributable cash flow: Net Income + D&A - Maintenance CapEx. Reflects the cash Buffett would extract without hurting unit volume.

Total: $1.7BYield: 5.9%

Reverse DCF: Market Growth Expectation

MODEST BARRIER

2.8% CAGR (Next 10 Yrs)

At the current price of $70.48, the market is assuming the business will compound Free Cash Flow at 2.8% per year for the next decade with a 9% hurdle rate.

Value Investor Verdict

✓ Low market hurdle: Easy for a wide-moat compounder to beat.

Autonomous Thesis Underwriting

Surveil CFG with Mathematical Margin of Safety Rules

Set non-negotiable floor rules for Citizens Financial Group, Inc.. If a newly filed quarterly 10-Q breaks your ROIC floor, operating margin boundary, or balance sheet leverage rules, receive an autonomous breach audit within 15 minutes.

Buffett Quality

ROIC > 15% • Margin > 15% • D/E < 0.5x

Margin Floor Guard

Current Margin 35.1% • Floor > 10%

Solvency Guard

Altman-Z > 2.6 • Current Ratio > 1.5x

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Frequently Asked Questions: Citizens Financial Group, Inc. (CFG) Intrinsic Valuation

Audited fundamentals, DCF intrinsic value sensitivity, and thesis break detection parameters for Citizens Financial Group, Inc..

Based on institutional multi-stage Discounted Cash Flow (DCF) modeling on audited SEC cash flows, Citizens Financial Group, Inc. has an estimated DCF intrinsic fair value of $130.87 per share compared to its current market price of $70.48. This represents an estimated 46.1% margin of safety (trading below fair value). Additionally, its classic Benjamin Graham Number stands at $76.69.