Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
12-1 Month Momentum % is the total return of the stock from 12-month ago to 1-month ago. As of today (2026-07-30), Citizens Financial Group's 12-1 Month Momentum % is 43.47%.
The industry rank for Citizens Financial Group's 12-1 Month Momentum % or its related term are showing as below:
CFG's 12-1 Month Momentum % is ranked better than 78.5% of 1595
companies
in the Banks industry
Industry Median: 19.23
vs CFG: 43.47
Citizens Financial Group (NYSE:CFG) 12-1 Month Momentum % Explanation
Momentum investing is a trading strategy in which investors buy securities that are rising and sell before the prices start to go back down. The 12-1 Month Momentum % measures the total return to a stock over the past twelve months, but ignores the previous month.
The reason why the most recent month’s return dropped related to the short-term reversal effect associated with momentum. There is an academic finding that short-term momentum actually has a reversal effect, whereby the previous winners (measured over the past months) do poorly the next month, while the previous losers do well the next month. In order to eliminate the short-term reversal effect, the previous month return was not included in this calculation.
Citizens Financial Group 12-1 Month Momentum % Related Terms
CFG vs BAP, RF, HBAN: 12-1 Month Momentum % Comparison
For the Banks - Regional subindustry, Citizens Financial Group's 12-1 Month Momentum %, along with its competitors' market caps and 12-1 Month Momentum % 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 12-1 Month Momentum % vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Financial Group's 12-1 Month Momentum % distribution charts can be found below:
* The bar in red indicates where Citizens Financial Group's 12-1 Month Momentum % falls into.
Citizens Financial Group (NYSE:CFG) 12-1 Month Momentum % Calculation
12-1 Month Momentum % is calculated as following:
12-1 Month Momentum %
=
( Price 1-month ago
/
Price 12-month ago
- 1 )
*
100 %
* 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 12-1 Month Momentum % of 43.47% as of Jul. 30, 2026. 12-1 Month Momentum measures the total return of the stock from 12-month ago to 1-month ago. View historical data on Citizens Financial Group and its competitors. According to the industry distribution chart, Citizens Financial Group ranks #343 out of 1595 companies in the Banks industry, placing it in the top 21.5%.
Is Citizens Financial Group's 12-1 Month Momentum % too high?
Citizens Financial Group's current 12-1 Month Momentum % is 43.47%. The Banks industry median 12-1 Month Momentum % is 19.23. Citizens Financial Group's value of 43.47% is 126.1% above this industry median. Based on the distribution chart, Citizens Financial Group ranks #343 out of 1595 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 12-1 Month Momentum % compare to BAP and RF?
According to the Banks industry distribution chart, Citizens Financial Group ranks #343 out of 1595 companies for 12-1 Month Momentum %. This places Citizens Financial Group in the top 22% of its industry — outperforming the majority of peers. The industry median 12-1 Month Momentum % is 19.23. Citizens Financial Group's value of 43.47% is 126.1% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 12-1 Month Momentum % for a Banks company?
The median 12-1 Month Momentum % among Banks companies is 19.23, based on 1,595 companies in the industry. Companies in the top quartile (top 25%) have a 12-1 Month Momentum % significantly above this median, while those in the bottom quartile fall well below. However, 12-1 Month Momentum % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Financial Group's current 12-1 Month Momentum % of 43.47% is 126.1% above 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 12-1 Month Momentum % mean?
A high 12-1 Month Momentum % can signal that a stock is expensive relative to its fundamentals. 12-1 Month Momentum measures the total return of the stock from 12-month ago to 1-month ago. View historical data on Citizens Financial Group and its competitors. For the Banks industry, the median 12-1 Month Momentum % is 19.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Financial Group's current 12-1 Month Momentum % is 43.47%. 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 $48.72, compared to a current price of $71.31 — trading 46.4% above its estimated fair value. The current 12-1 Month Momentum % is 43.47% and 126.1% above the Banks industry median of 19.23. 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 12-1 Month Momentum % calculated?
12-1 Month Momentum % is calculated from a company's financial statements. For Citizens Financial Group (CFG), the current 12-1 Month Momentum % is 43.47% as of Jul. 30, 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 $71.31 is trading 46.4% above its estimated GF Value™ of $48.72.
GuruFocus considers Citizens Financial Group to be Significantly Overvalued.
Key valuation signals for CFG:
12-1 Month Momentum %: 43.47%
GF Value™: $48.72 vs. price of $71.31 (46.4% above fair value)
Industry Position: 126.1% above the Banks median (#343 of 1595)
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
Get the complete analysis for CFG
12-1 Month Momentum % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CFG has been successfully added to your 
