NYSEFinancialsBanks - RegionalSnapshot 2026-07-31
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Create your account →Daily closes. Earnings/event dots are placed inline.
Industries move in repeating boom-and-bust cycles. This shows where this stock’s industry sits in that cycle, stage by stage (recovery → expansion → supercycle → steady → deceleration → contraction), from its fundamentals (orders, revenue, capital spending), not the stock’s price.
A booming industry is a tailwind for the names in it; a contracting one is a headwind. Companies in the same industry tend to rise and fall together with the cycle, the way a tide lifts and lowers every boat in the harbor at once, so a large part of a stock’s swing can come from where its industry sits rather than from the company itself. It’s context for reading the company’s results, not a buy/sell call. Full explanation →
Regional Banks is in deceleration. Describes the industry's cycle state, not a call on this stock.
The stage band shows the industry’s cycle over the chart’s timeline (each color a stage); a ▼ marks a quarter its growth inflected down — amber is an unconfirmed watch, red is confirmed the next quarter. Use “Overlay cycle on chart” to tint the price chart by stage. The industry’s fundamentals, not a signal on this stock.
Primary pillar under pressure — Grow noninterest income to at least $606M: metric not reported.
View ThesisRevenue is growing steadily — about 9% over the past year.
View GrowthMiddle-of-the-pack quality for its industry.
View QualityManagement screens strong on earnings delivery, margins, the balance sheet.
View ManagementExpectations look reasonable — what the market is pricing in sits in line with or below what analysts forecast.
View ValuationModerate volatility — typically moves about 1% a day.
View RiskCitizens Financial Group (CFG) must grow net interest income to justify its price. The company beat earnings expectations in Q2 2026, with revenue up 12% year over year. It trades at 1.2 times price-to-book, which is equal to the peer median. The market expects modest growth, which may not be enough. If CFG cuts guidance, it could face a 16% chance of missing estimates. Peer multiples imply a price about 5% below where it trades. This read is provisional.
Trailing returns as of 2026-07-31. CFG is total return (includes dividends); the S&P 500 benchmark is price return (the index excludes dividends).
Based on 19 analysts currently covering CFG (as of Jul 2026).
Based on 8 Wall Street analysts offering 12-month price targets for CFG in the last 4 months.
A consensus fair price across 9 valuation methods, at three horizons. As of 2026-08-01. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
A price-focused, side-by-side fair-value read versus Regional Banks — fair value, gap to price, and forward P/E.
Threatens: Improve efficiency ratio and manage noninterest expense
Branch closures may increase noninterest expenses and affect efficiency.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
End-of-day figures as of 2026-07-31. EPS is implied from price ÷ P/E. Not investment advice.
Current $71.65
The last 12 months of price, then the range of analyst 12-month targets from today’s $71.65.
Analyst ratings and price targets are third-party Wall Street estimates, not QuarterlyIQ’s view. Not investment advice.
A long-thesis check that carries the widest uncertainty of the three horizons.
Top 25% on quality vs scored peers
A second lens on the 12-month fair value: for companies that score high on measured quality (profitability, balance-sheet safety, earnings stability), this read trusts more of today's profit margins instead of averaging them toward their multi-year history the way the headline number does. Shown alongside the fair value above, not in place of it. A diagnostic, not a price target or a buy/sell signal.
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
Advances: Expand Private Bank and Private Wealth businesses
Expansion of leadership role supports growth in Private Bank.
Advances: Grow net interest income and maintain strong net interest margin
Q2 earnings beat supports net interest income growth.
Advances: Maintain strong net interest margin
Strong EPS and revenue support net interest margin growth.
Advances: Enhance noninterest income
Q2 sales exceeding estimates enhances noninterest income growth.
Advances: Enhance noninterest income
Partnership enhances noninterest income through modernization.
Protests may affect customer perception and operations.
Advances: Maintain strong net interest margin
Loan growth and rates support net interest margin.
