Positioning no disclosures inside 60 days, left as found
Options put/call open interest 0.45, read 2026-11-02
Ethical does not pass the values gate
Price65.90 USD
Fair value86.66
Ethical score10.0/100
Value readUndervaluedas of 4 Nov 2026
Our investment reviews on this name
2026-10-30Read Accumulation65.27+1.0% to today ✓Markdown gives way to Accumulation
2026-07-02Read Markdown63.98+3.0% to today First review on file: Markdown
Our analytic regime reads on this name, dated and marked against the screened price. Small sample per name, and separate from the daily-framework accuracy on the Track Record page.
Citizens Financial Group holds its Accumulation at $65.90. Elevated stress, defensive posture warranted, held for 55 days.
As held on the ledger · 2026-11-04
Phase
Accumulation
Quantitative state
Elevated stress, defensive posture warranted, held for 55 days
Price at the screen
$65.90
Valuation
12.89 trailing · 9.84 forward price to earnings
Values screen
FAIL· score 10.0
Beta
1.06
The Workings
Five Screens, Shown in Full
Does not pass. Business activity screen
Test
Figure
Limit
What it means
Status
Business activity
Excluded
Core business clean
Business activity: Financials sector
Fail
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
The Ethical Read
Why It Falls Short, in Plain English
Citizens Financial does not clear the screen at the business-activity stage. It operates in conventional financial services, which the screen treats as interest-based, so the financial ratios are not the deciding factor here.
Read as at 2026-11-05. It updates when the underlying figures move, and past reads are kept below.
Follow this verdict
Get an email when CFG's ethical verdict changes
Today CFG does not pass the screen. If new figures move it to a pass, we send you one short email with the before and after. Verdicts change rarely, so you may not hear from us for a long time.
Free, no account needed. Every email has a link to stop.
The quantitative screen above is arithmetic. Separately, community boycott lists cite this company: Documented on AFSC Investigate. The desk records that flag here without folding it into the verdict: the screen measures the balance sheet, the overlay informs the conscience, and they are different judgements that belong to different owners. The second one is yours.
What the Numbers Say It Is Worth
The Fair Value Range
Our analysis reads Undervalued vs our fair value, as of 4 Nov 2026: it trades at roughly a 24% discount to our $86.66 fair value, narrow competitive moat, 11.90% revenue growth.
Fair value range in USD, drawn from the 2026-11-04 screen. The gold marker is the market price at the same screen. A 24.0% discount to the base estimate.
Where our models see it going: fair-value estimate $86.66, with a range of $72.98 to $121.64, dated to the 2026-11-04 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
Why it stands out
A 12%-growth business trading at just 9.8x forward earnings, with a narrow competitive moat. That is a 24% discount to our $86.66 fair value: the market is pricing it cautiously while the fundamentals argue otherwise. 19 analysts rate it Buy with a $76.00 average target, about 15% above the screened price.
Another profit measure, before interest, tax and non-cash costs: EBITDA.
The risks · The main risks here are ordinary market swings and the chance our fair-value read proves too optimistic.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
CFG trades on a US exchange. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The framework has shifted from markdown to accumulation since the last review. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved up 3.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 3% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 60%. Our forward projection puts the odds of a 10% gain over the next month near 28%. The street (19 analysts) rates it buy, with a mean price target of $76.
2026-10-23Markdown$63.36-0.1%Entry 14
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.1% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 1% above its long-term trend line with momentum reading bearish. Over the past year the shares are up 60%. Our forward projection puts the odds of a 10% gain over the next month near 28%. The street (19 analysts) rates it buy, with a mean price target of $77.
2026-10-16Markdown$63.43-0.2%Entry 13
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.2% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 12% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 60%. Our forward projection puts the odds of a 10% gain over the next month near 28%. The street (19 analysts) rates it buy, with a mean price target of $78. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-15Markdown$63.57+0.0%Entry 12
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 12% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 60%. Our forward projection puts the odds of a 10% gain over the next month near 28%. The street (19 analysts) rates it buy, with a mean price target of $78. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-14Markdown$63.57+0.0%Entry 11
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 12% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 60%. Our forward projection puts the odds of a 10% gain over the next month near 28%. The street (19 analysts) rates it buy, with a mean price target of $79. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-13Markdown$63.57+0.0%Entry 10
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 12% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 60%. Our forward projection puts the odds of a 10% gain over the next month near 28%. The street (19 analysts) rates it buy, with a mean price target of $79. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-12Markdown$63.57-1.9%Entry 9
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 1.9% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 12% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 60%. Our forward projection puts the odds of a 10% gain over the next month near 28%. The street (18 analysts) rates it buy, with a mean price target of $79. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-11Markdown$64.80+0.0%Entry 8
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 12% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 60%. Our forward projection puts the odds of a 10% gain over the next month near 28%. The street (18 analysts) rates it buy, with a mean price target of $79. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-10Markdown$64.80+0.0%Entry 7
Our analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 12% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 60%. Our forward projection puts the odds of a 10% gain over the next month near 28%. The street (18 analysts) rates it buy, with a mean price target of $79. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-02Markdown$64.80-7.2%Entry 6
Our analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 7.2% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 12% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 60%. Our forward projection puts the odds of a 10% gain over the next month near 28%. The street (17 analysts) rates it buy, with a mean price target of $81.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
