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Citizens Financial GroupCFG -0.07%70 3-Year Book Growth Rate is 8.60% as of Jun. 2026, which is 76% above its 10-year median of 4.90. GuruFocus rates CFG with a GF Score™ of 70/100 and a GF Value™ of $52.31 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,488 Banks companies, Citizens Financial Group ranks worse than 50.54% on this metric.
During the past 12 months, Citizens Financial Group's average Book Value per Share Growth Rate was 6.60% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 8.60% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 2.40% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 3.60% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of Citizens Financial Group was 8.60% per year. The lowest was -5.20% per year. And the median was 4.90% per year.
Citizens Financial Group (NYSE:CFG) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Citizens Financial Group 3-Year Book Growth Rate Related Terms
CFG vs BAP, RF, HBAN: 3-Year Book Growth Rate Comparison
For the Banks - Regional subindustry, Citizens Financial Group's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Citizens Financial Group 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Financial Group's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Citizens Financial Group's 3-Year Book Growth Rate falls into.
Citizens Financial Group 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 8.60% mean?
Citizens Financial Group (CFG) has a 3-Year Book Growth Rate of 8.60% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Citizens Financial Group and its competitors. This is 76% above median its historical median of 4.90. According to the industry distribution chart, Citizens Financial Group ranks #752 out of 1488 companies in the Banks industry, placing it in the top 50.5%.
Is Citizens Financial Group's 3-Year Book Growth Rate too high?
Citizens Financial Group's current 3-Year Book Growth Rate of 8.60% is 76% above median its 10-year median of 4.90. The Banks industry median 3-Year Book Growth Rate is 8.80. Citizens Financial Group's value of 8.60% is 2.3% below this industry median. Based on the distribution chart, Citizens Financial Group ranks #752 out of 1488 companies in the Banks industry, which is below the industry midpoint. Overall, Citizens Financial Group has a GF Score™ of 70/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citizens Financial Group's 3-Year Book Growth Rate compare to BAP and RF?
According to the Banks industry distribution chart, Citizens Financial Group ranks #752 out of 1488 companies for 3-Year Book Growth Rate. This places Citizens Financial Group in the lower half of its industry. The industry median 3-Year Book Growth Rate is 8.80. Citizens Financial Group's value of 8.60% is 2.3% below this benchmark. While the company's 10-year median is 4.90 vs. the industry median of 8.80, Citizens Financial Group has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.80, based on 1,488 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Financial Group's current 3-Year Book Growth Rate of 8.60% is 2.3% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Citizens Financial Group and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Financial Group's current 3-Year Book Growth Rate is 8.60%, which is 76% above median its own 10-year median of 4.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Citizens Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Citizens Financial Group (CFG) is currently considered Significantly Overvalued. The stock's GF Value™ is $52.31, compared to a current price of $70.78 — trading 35.3% above its estimated fair value. The current 3-Year Book Growth Rate is 8.60%, which is 76% above median its 10-year median of 4.90 and 2.3% below the Banks industry median of 8.80. Citizens Financial Group's overall GF Score™ is 70/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Citizens Financial Group (CFG), the current 3-Year Book Growth Rate is 8.60% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Citizens Financial Group (CFG) Overvalued in 2026?
Based on GuruFocus' analysis, Citizens Financial Group stock appears to be overvalued.
The current stock price of $70.78 is trading 35.3% above its estimated GF Value™ of $52.31.
GuruFocus considers Citizens Financial Group to be Significantly Overvalued.
Key valuation signals for CFG:
3-Year Book Growth Rate: 8.60% (76% above median its 10-year median of 4.90)
GF Value™: $52.31 vs. price of $70.78 (35.3% above fair value)
Industry Position: 2.3% below the Banks median (#752 of 1488)
No single metric tells the full story. See the CFG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Citizens Financial Group Inc is a bank holding company headquartered in Providence, Rhode Island. Through its subsidiaries, it offers various retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations, and institutions. The group's reportable business segments are: Consumer Banking and Commercial Banking. The majority of its revenue is generated from the Consumer Banking segment, which serves consumer customers and small businesses, offering traditional banking products and services, including deposits, mortgage and home equity lending, credit cards, small business loans, education loans, point-of-sale finance loans, and wealth management solutions, among others, through a network of branches and ATMs.
70GF Score
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