Valuation models
price $63.81 · as of Nov 2, 2026
P/E · peersused55.59 – 74.1757.7211% overvaluedP/E · own history35.40 – 73.2353.0020% overvaluedPEG—70.389% undervaluedDividend discount21.62 – 47.6030.57109% overvaluedWall St. consensus target—77.0017% belowCost of capital (WACC)—10.01%—
P/E · peers leads because P/TBV · justified returned no positive value. How the headline model is chosen.
Model value · P/E · peers
57.72
Citizens Financial Group closed at $63.81 — overvalued by 11% vs model.
55.59the model's range74.17
P/E · peers leads because P/TBV · justified returned no positive value. From its peers' median P/E.
Other models
30.57 – 70.38
Wall St. target
77.00 17% below
Above model, 1y
30 of 30 days
How it is valued
Valued asBank
Revenue declining (~-4% recent)Moderate margins (16% net margin)Pays dividendsHighly cyclical earningsStrong FCF yield (7.6%)
Model estimates for research reference only, not investment advice. Every model rests on assumptions that may not match what happens; how each model works is in the manual.