CFG Citizens Financial Group · $72.39 Extended — don't chase; wait for a pullback过度拉升 — 勿追高；等待回撤 Terminal终端 ↗

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Citizens Financial Group · Financials

CFG

$72.39
Citizens Financial Group, Inc. is an American bank holding company, headquartered in Providence, Rhode Island.CitizensFinancialGroup,Inc.是一家美国银行控股公司，总部位于罗得岛州普罗维登斯。
Financial金融股 Large cap大盘 $31B
Engine stance引擎立场2026-07-20
Extended — don't chase; wait for a pullback过度拉升 — 勿追高；等待回撤
You missed the bottoming entry — the low already formed and price is now extended (momentum is fading — the daily moment已错过筑底入场——低点已经形成，目前价格已拉伸（动量正在衰竭——日线动量已开始掉头向下）。不要追高；等待回调至 10 日均线或下一个周期低点。若已持有则继续持有。
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Key Statistics关键统计

Price价格
$72.39
2.7% below 52-week high低于52周高点 2.7%
Market Cap市值
$31B
Normal volume正常成交量
P/E Ratio市盈率
17.0x
15.0x sector median
Beta贝塔
1.02
Moves about 1.0x the market波动幅度约为市场的 1.0 倍
RSI (14)RSI（14）
61
Elevated偏高
Next Earnings下次财报
2026-07-16 (-3d)
Volatility Rank波动率分位
77th pctile
hist. vol. percentile历史波动率分位数
Short Interest空头兴趣
3.6% of float

Performance价格表现

Period周期 CFG S&P 500vs Index对比指数
1 Week近1周 +2.9% -1.5% Beat the index by 4.4 points跑赢指数 4.4 个百分点
1 Month近1月 +8.4% +0.6% Beat the index by 7.8 points跑赢指数 7.8 个百分点
3 Months近3月 +13.1% +4.7% Beat the index by 8.4 points跑赢指数 8.4 个百分点
6 Months近6月 +20.7% +7.8% Beat the index by 12.9 points跑赢指数 12.9 个百分点
Year to date年初至今 +23.6% +9.1% Beat the index by 14.5 points跑赢指数 14.5 个百分点
1 Year近1年 +53.1% +19.4% Beat the index by 33.7 points跑赢指数 33.7 个百分点

Technicals技术面

RSI (14)RSI（14） 61 Elevated偏高
vs 50-day相对50日均线 +9.2% vs 50-day avg
vs 200-day相对200日均线 +20.8% vs 200-day avg
Volatility rank波动率分位 77th percentile 分位
Engine reference levels — not advice引擎参考水平 — 非投资建议
Buy zone买入区间
$70.79
Don't chase above不追高于
$72.39
Stop止损
$66.51
Extended — wait for a pullback过度拉伸 — 等待回撤

Earnings财务业绩

Estimates being cut预期下调

Earnings call transcripts — coming soon财报电话会议记录 — 即将上线

Valuation估值

Multiple指标 CFG Sector median行业中位 Cheaper than相对便宜
P/E (trailing)市盈率（历史） 16.97x 14.99
36%
P/B市净率 1.18x 1.52
76%
P/S市销率 3.77x 2.87
40%
Earnings yield盈利收益率 5.89% 6.58
39%
Shareholder yield股东收益率 4.36% 3.91
56%
Analyst price targets — coming soon分析师目标价 — 即将上线

Financials财务数据

Revenue营业收入
$6.9B
2020
$6.6B
2021
$8.0B
2022
$8.2B
2023
$7.8B
2024
$8.2B
2025
5yr CAGR5年复合增速: 3.6%
Earnings Per Share每股收益
$2.22
2020
$5.16
2021
$4.10
2022
$3.13
2023
$3.03
2024
$3.86
2025
5yr CAGR5年复合增速: 11.7%
Margins利润率
Net margin净利率
22.2%
FCF margin自由现金流利润率
26.8%
7.0%Return on Equity股本回报率
0.8%Return on Assets资产回报率
Capital Allocation资本配置
Buybacks (TTM)回购（TTM）$600.0M
Stock-based comp股权薪酬$120.0M
Share count change (1y)股数变化（1年）-2.6%
Piotroski皮奥特罗斯基 7/7 Clean稳健

Snapshot Gauges综合指标

Valuation vs Sector估值相对行业
Roughly fair vs sector相对行业估值合理
Cheaper than 51% of its sector on blended multiples综合估值倍数低于行业内 51% 的公司
Beta市场敏感度
1.02×
0.21×3×
Moves about 1.0× the market波动幅度约为市场的 1.0 倍
Financial Health财务健康
7/7
Strong financial health财务健康状况良好
Dividend分红
—
Does not pay a dividend不派发股息

Why Is It Moving为何波动

Sector / Theme行业/主题 Regional Banks theme — #4 of 46 themes「区域银行」主题 — 46 个主题中第 4 位
Macro宏观 Short-duration name into a restrictive, rising-real-rate regime → rate tailwind.短久期标的进入偏紧、实际利率上行的环境→利率顺风。
Positioning持仓 Insider cluster activity内部人集中交易
Technical技术面 CFG made a new 52-week highCFG 创52周新高

Options Positioning期权持仓

Market makers are net long gamma — price pinned near current level做市商净持有正伽玛，价格倾向于在当前水平附近震荡

Expected daily move预期日波动
±1.58%
Expected weekly move预期周波动
±3.54%
Call wall看涨密集区
$75
Put wall看跌密集区
$65
25d risk reversal25d风险逆转
-7.2%
Flow资金流向

$2M premium traded; 0% 0DTE; 7 fresh positions; P/C 0.15; ~leans bullish (direction approx)成交权利金 $2M；0DTE占0%；7个新建仓；看跌看涨比 0.15；≈偏看涨（方向近似）

Skew: 偏斜：fear

Ownership & Smart Money持仓与聪明钱

Insider activity内部人员活动: -$0.8M net (0 buyers, 1 sellers)-$0.8M 净值（0 买家，1 卖家）
Concentrated ownership集中持仓
Fund基金 Grade评级 Activity动作 % of portfolio组合占比 As of截至
Basswood Capital Management B Holding持有 1.5% 2026-03-31
Soros Fund Management B Holding持有 0.2% 2026-03-31

Signal History信号历史

BOTTOMING → NEARING A HIGH筑底中 → 接近高点
TAKE PROFITS. A daily bottoming setup did fire (swing low in, momentum turned up), but it's LATE — price is already extended above the cycle low (formed ~24 day(s) ago @ 66.51) and momentum is fading — the daily momentum is already rolling over. A momentum cross is a LAGGING confirmation: after a vertical run it only triggers once the move is mature, so the bottoming entry has already passed. This is a chase, not a fresh buy止盈。日线筑底形态确实已经触发（摆动低点出现、动量转向上行），但为时已晚——价格已显著高于周期低点（约 24 天前形成 @ 66.51）且动量正在衰竭——日线动量已开始掉头向下。动量交叉属于滞后确认：在垂直拉升之后，只有当走势已经成熟时才会触发，因此筑底入场早已错过。这是追高，而非新的买入
TOP WATCH NEARING A HIGH
Jul 16, 2026
CFG made a new 52-week highCFG 创52周新高
Price reached a fresh 52-week high — a momentum / trend extreme the whole market watches. $74.40.价格创出52周新高 — 全市场关注的动量/趋势极值。$74.40。
Jul 16, 2026
CFG daily MACD crossed upCFG 日线MACD上穿
The daily MACD histogram turned positive — fast and noisy, context rather than a standalone trigger. $74.40.日线MACD柱状图转正 — 快速且嘈杂，仅作背景。$74.40。
Jul 16, 2026
CFG RSI reached overboughtCFG RSI进入超买
RSI(14) crossed above 70 — stretched to the upside; context, not a timing trigger alone. $74.40.RSI(14)上穿70 — 上行过度；仅作背景，单独不构成择时。$74.40。
Jul 15, 2026
BOTTOMING → NEARING A HIGH筑底中 → 接近高点
TAKE PROFITS止盈
Jul 15, 2026
CFG took relative-strength leadershipCFG 取得相对强弱领先
Relative strength vs SPY crossed above the 90th percentile of the last 90 days — leadership tends to persist. $71.12.相对标普500的强弱上穿近90日的第90百分位 — 领先往往延续。$71.12。
Jul 13, 2026
CFG StochRSI turned up from oversoldCFG StochRSI自超卖区上行
StochRSI popped back above 20 — the earliest oscillator heads-up that downside momentum is easing. $70.36.StochRSI重回20上方 — 下行动量趋缓的最早预警。$70.36。
Jul 8, 2026
NEARING A HIGH → BOTTOMING接近高点 → 筑底中
BUY SETUP买入预备
Jul 8, 2026
CFG daily MACD crossed downCFG 日线MACD下穿
The daily MACD histogram turned negative — fast and noisy, context rather than a standalone trigger. $68.56.日线MACD柱状图转负 — 快速且嘈杂，仅作背景。$68.56。
Jul 6, 2026
CFG made a new 52-week highCFG 创52周新高
Price reached a fresh 52-week high — a momentum / trend extreme the whole market watches. $72.11.价格创出52周新高 — 全市场关注的动量/趋势极值。$72.11。
Jul 6, 2026
CFG RSI reached overboughtCFG RSI进入超买
RSI(14) crossed above 70 — stretched to the upside; context, not a timing trigger alone. $72.11.RSI(14)上穿70 — 上行过度；仅作背景，单独不构成择时。$72.11。
Jul 1, 2026
BOTTOMING → NEARING A HIGH筑底中 → 接近高点
TAKE PROFITS止盈
Jul 1, 2026
CFG made a new 52-week highCFG 创52周新高
Price reached a fresh 52-week high — a momentum / trend extreme the whole market watches. $71.82.价格创出52周新高 — 全市场关注的动量/趋势极值。$71.82。
Jul 1, 2026
CFG RSI reached overboughtCFG RSI进入超买
RSI(14) crossed above 70 — stretched to the upside; context, not a timing trigger alone. $71.82.RSI(14)上穿70 — 上行过度；仅作背景，单独不构成择时。$71.82。
Jun 30, 2026
NEARING A HIGH → BOTTOMING接近高点 → 筑底中
BUY SETUP买入预备

Showing last 15 of显示最近15条，共 98 signals条信号

Factor Profile因子特征

Composite factor score综合因子得分: 0.19
Value价值
+0.6
Quality质量
-0.7
Investment资本投入
+0.3
Shareholder payout股东回报
+0.1
Low volatility低波动
+0.8
Low market beta低市场敏感度
-0.2
Earnings quality盈利质量
-0.8
Short interest空头兴趣
+0.5

Company Profile公司档案

Citizens Financial Group, Inc. is an American bank holding company, headquartered in Providence, Rhode Island.CitizensFinancialGroup,Inc.是一家美国银行控股公司，总部位于罗得岛州普罗维登斯。
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