Citizens Financial GroupCFG +0.71%67 OCF Margin % is 10.93% as of Mar. 2026, which is 62% below its 10-year median of 28.59. GuruFocus rates CFG with a GF Score™ of 67/100 and a GF Value™ of $48.03 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,501 Banks companies, Citizens Financial Group ranks better than 52.9% on this metric.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Citizens Financial Group's OCF Margin %, along with its competitors' market caps and OCF Margin % 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Financial Group's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Citizens Financial Group's OCF Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Citizens Financial Group (CFG) has a OCF Margin % of 10.93% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Citizens Financial Group and its competitors. This is 62% below median its historical median of 28.59. Over the past decade, Citizens Financial Group's OCF Margin % has ranged from 1.61 to 51.35. According to the industry distribution chart, Citizens Financial Group ranks #707 out of 1501 companies in the Banks industry, placing it in the top 47.1%.
Is Citizens Financial Group's OCF Margin % too high?
Citizens Financial Group's current OCF Margin % of 10.93% is 62% below median its 10-year median of 28.59. Over the past 10 years, this metric has ranged from a low of 1.61 to a high of 51.35. The Banks industry median OCF Margin % is 29.44. Citizens Financial Group's value of 10.93% is 62.9% below this industry median. Based on the distribution chart, Citizens Financial Group ranks #707 out of 1501 companies in the Banks industry, which is above the industry midpoint. Overall, Citizens Financial Group has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citizens Financial Group's OCF Margin % compare to BAP and RF?
According to the Banks industry distribution chart, Citizens Financial Group ranks #707 out of 1501 companies for OCF Margin %. This puts Citizens Financial Group in the upper half of its industry. The industry median OCF Margin % is 29.44. Citizens Financial Group's value of 10.93% is 62.9% below this benchmark. Historically, Citizens Financial Group's own OCF Margin % has ranged from 1.61 to 51.35 over the past decade. While the company's 10-year median is 28.59 vs. the industry median of 29.44, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Financial Group's current OCF Margin % of 10.93% is 62.9% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Citizens Financial Group and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Financial Group's current OCF Margin % is 10.93%, which is 62% below median its own 10-year median of 28.59. 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 $48.03, compared to a current price of $69.48 — trading 44.7% above its estimated fair value. The current OCF Margin % is 10.93%, which is 62% below median its 10-year median of 28.59 and 62.9% below the Banks industry median of 29.44. Citizens Financial Group's overall GF Score™ is 67/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Citizens Financial Group (CFG), the current OCF Margin % is 10.93% as of Mar. 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 $69.48 is trading 44.7% above its estimated GF Value™ of $48.03.
GuruFocus considers Citizens Financial Group to be Significantly Overvalued.
Key valuation signals for CFG:
OCF Margin %: 10.93% (62% below median its 10-year median of 28.59)
GF Value™: $48.03 vs. price of $69.48 (44.7% above fair value)
Industry Position: 62.9% below the Banks median (#707 of 1501)
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.
67GF Score
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