What is CFG's options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for CFG.

Stock Ratings / Financials / CFG / options

FCNCA (69) BBDO (44) BBD (52) RF (61) ⌘ Pro Terminal →

Citizens Financial Group Inc. (CFG) Options Positioning, Max Pain & Unusual Sweeps

$64.93 +1.76% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $65.01

Citizens Financial Group Inc. (CFG) carries a Roarable Rating of C- (Hold) with 59/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C- • HOLD / WATCH Cap $26.75B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on CFG Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is CFG stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, Citizens Financial Group Inc. (NYSE: CFG) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 59/100 at a spot price of $64.93 (+1.76% 1D, market cap $26.75B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 9/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 8/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, CFG ranks #403 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does CFG compare to FCNCA and BBDO in the Financials sector?

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Within the Financials sector (Major Banks), CFG carries a Roarable C- (59/100 RQD), trailing P/E of 15.1x, gross margin of —, and ROIC of 2.1%. By comparison, FCNCA (First Citizens BancShares Inc.) holds a C+ grade (69/100 RQD, P/E 12.2x, ROIC 2.6%, cap $26.57B) and BBDO (Banco Bradesco Sa (each representing one Common Share)) posts a D grade (44/100 RQD, P/E N/A, ROIC —, cap $27.10B). Among the 5-stock peer group, RF leads on earnings multiple (11.4x) while BBD leads on capital efficiency (9.9% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for CFG?

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Per CFG's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000759944), Citizens Financial Group Inc. generated $1.64B in revenue (+6.7% YoY), $1.83B in net income, and $2.14B in free cash flow against $226.35B in total assets and $90.02B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $65.01 (+0.13%)🧬 Cannibal Buyback (-2.08% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 130.7% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 59/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.2% avg 90D alpha vs SPY • 53.1% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C-

Quant Analyst Panel Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw C- · Rk D+

Each axis scored 0–20

12M PRICE TARGET CONE+0.4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CFG)Realized 20D OHLCV Swing Band: ±4.4%

Deterministic 5-Pillar Attribution (59/100 Composite)

🔍 WHY CFG SCORES 59/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (25% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 8/9

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+15/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 75% Net Buy • Cannibal Buyback (-2.08% YoY Shares)

▼ #1 Drag / Risk Factor: Macro Regime Fit8/20 pts (-12 pt drag)

Macro rate sensitivity & RSI-14 (43.7) create a -12 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C-$62.57+3.7% Next Q

Q2 (-2Q)

Grade C-$64.88+0.6% Next Q

Q3 (-1Q)

Grade C$65.27-0.5% Next Q

Current

Grade C-$64.93+0.2% Hist 90D α

Trajectory: C- (51) → C- (59)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the CFG Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 59/100 (C-) score, CFG faces multiple-compression risk if 15.1x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.08% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($66.15) or 200D SMA ($65.66) invalidates the momentum regime and cuts Target Base ($65.22) toward Bear Floor ($50.87).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CFG• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “CFG Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 59%NO 41%Trade / Inspect Odds →

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±4.4%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (CFG)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for CFG.

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ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating CFG & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on CFG
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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CFG // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +2.16%⚡ TESTING RESISTANCE

2026-11-03O $65.76H $65.76L $63.81C $64.93VOL 3.51M

RES: $66.02SUP: $59.31SMA50: $66.15SMA200: $65.66

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CFG Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CFG Butterfly Map → + Track CFG →

Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle

7.3%/yr Implied 5Y Growth

vs. +6.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on CFG today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CFG. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for CFG today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CFG)

Financials Rank #403 of 1097 ⚔️ FCNCA vs CFG Full Matrix →

1. Head-to-Head Financials Peer Comparison (CFG vs. FCNCA, BBDO, BBD, RF)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Citizens Financial Group Inc. (CFG) ranks #403 by composite RQD confidence (59/100, grade C-) and #103 by equity capitalization ($26.75B). Within this direct 5-issuer industry benchmark cohort, RF leads on earnings valuation at 11.4x trailing P/E, while BBD leads on capital efficiency and profitability with 9.9% ROIC and — gross margin. FCNCA currently holds the highest overall quantitative score in the immediate peer group at 69/100 (C+) compared with CFG at 59/100 (C-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
CFG ACTIVE Citizens Financial Group Inc.	C-	59/100	15.1x	—	2.1%	+1.76%	$26.75B	Benchmark Subject
FCNCA First Citizens BancShares Inc.	C+	69/100	12.2x	—	2.6%	+0.66%	$26.57B	/fcnca-vs-cfg →
BBDO Banco Bradesco Sa (each representing one Common Share)	D	44/100	—	—	—	+0.41%	$27.10B	/bbdo-vs-cfg →
BBD Banco Bradesco Sa	D+	52/100	32.8x	—	9.9%	+0.39%	$28.55B	/bbd-vs-cfg →
RF Regions Financial Corporation	C-	61/100	11.4x	—	0.1%	+1.40%	$24.34B	/rf-vs-cfg →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000759944 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Citizens Financial Group Inc. (CFG) reported GAAP revenue of $1.64B (+6.7% vs. FY2024 revenue of $1.53B , and +29.1% cumulative change since FY2023) , GAAP net income of $1.83B, operating cash flow of $2.21B, and free cash flow of $2.14B (+10.6% YoY). On the balance sheet, CFG closed FY2025 with $226.35B in total assets against $90.02B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 8/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$1.64B	$1.83B	$2.21B	$2.14B	$226.35B	$90.02B
FY2024 (FY)	2024-12-31	$1.53B	$1.51B	$2.00B	$1.93B	$217.52B	$86.97B
FY2023 (FY)	2023-12-31	$1.27B	$1.61B	$2.96B	$2.90B	$15.16B	$3.55B

3. CFG Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CFG stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does CFG compare to FCNCA and BBDO in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for CFG?

Where is CFG trading relative to its 50-day, 200-day, and 52-week technical levels?

CFG last traded at $64.93 (+1.76% on volume of 4,746,535 shares), positioning the stock -1.84% below its 50-day simple moving average ($66.15) and -1.11% below its 200-day simple moving average ($65.66). Across its 52-week range of $49.00 to $75.33, CFG sits at the 60.5% percentile with a 14-day RSI of 43.7 (NEUTRAL RANGE) and an implied next-earnings move of ±4.4% ($62.07 to $67.79).

Direct Sub-Reports: CFG RQD Cockpit CFG 12M Forecast CFG Earnings & Move CFG Dividends & DRIP CFG Insiders & 13F CFG Whale Options CFG Profit Sankey CFG News & Why

ROARABLE RATING BRIEF • RQD 59/100 (C-) ✓ SEC XBRL & RQD VERIFIED

CFG — Citizens Financial Group Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit

Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Citizens Financial Group Inc. (CFG) earns a live Roarable RQD composite score of 59/100, corresponding to a C- letter grade (Roarable Hold) at a spot price of $64.93 (+1.76% 1D, market capitalization $26.75B).

Fundamental Cash Engine (12/20): Anchored by return on invested capital (ROIC) of 2.1%, gross margin of —, operating margin of 75.0%, and free cash flow yield of 7.75%.
Whale 13F & Options Flow (9/20) + Insider Conviction (15/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
Macro Regime Fit (8/20) + Forensic Balance Sheet (15/20): Incorporates a 1.10x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 8/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Citizens Financial Group Inc. (CFG) is a NYSE-listed issuer classified in the Financials sector and the Major Banks industry,..6B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Citizens Financial Group Inc. (CFG) reported $1.64B in annual revenue (up from $1.53B in FY2024, +6.7% YoY) and $1.83B in GAAP net income. Over the multi-year SEC filing window from FY2023 ($1.27B revenue, $1.61B net income) through FY2025, CFG scaled operating cash flow to $2.21B and free cash flow to $2.14B, backed by $226.35B in total assets against $90.02B in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

🐂 Primary Bull Case (C- • RQD 59/100): Company leadership has skin in the game with net positive insider conviction. Clean SEC annual filing review with no major hidden accounting time-bombs. With Fundamental Cash Engine at 12/20 and Institutional Whale Flow at 9/20, sustained execution supports upside toward the upper end of the $49.00 – $75.33 52-week range.
🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh 15.1x trailing P/E and 36.8x EV/EBITDA against 75.0% operating margins and a 1.10x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Major Banks (Financials), CFG carries a macro regime beta of 1.10 and gross margin of —.

Key Question #1: Can CFG sustain or expand its 75.0% operating margin and 2.1% ROIC against Major Banks peers over the next 4 quarters?
Key Question #2: Following FY2025 revenue of $1.64B and free cash flow of $2.14B, how will capital allocation balance growth reinvestment against $90.02B in total debt?
Key Question #3: How sensitive is CFG's 14.0x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.10x)?

CFG Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Citizens Financial Group Inc. (CFG) • Click "Debate This Headline" to argue it in the Roar Pit below

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🟢 CATALYST Yahoo Finance • 1d ago

Citizens Financial Group (CFG) Stock Ignores Record Q3 Earnings Momentum