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Citizens Financial Group Inc (CFG) is a good buy for a beginner investor with a long-term strategy and $50,000-$100,000 available for investment. The company's strong financial performance, positive analyst sentiment with raised price targets, and favorable sector trends outweigh the minor recent price decline. The technical indicators, while mixed, suggest potential for recovery, and options data indicates bullish sentiment.
The stock's MACD is negative and expanding (-0.0278), suggesting short-term bearish momentum. RSI is neutral at 39.246, and moving averages are bullish (SMA_5 > SMA_20 > SMA_200). Key support is at $63.5, with resistance at $68.229. The stock is slightly below the pivot point of $65.865, indicating potential for upward movement.

Strong Q4 financials with revenue up 10.01% YoY, net income up 33.24% YoY, and EPS up 36.14% YoY.
Analysts have consistently raised price targets, with the most recent targets ranging from $67 to $78, and positive ratings such as Buy and Outperform.
Favorable sector trends, including deregulation, consolidation, and net interest margin expansion.
Recent price decline of -3.11% in the regular market session, though this may be temporary.
Lack of recent news or significant hedge fund/insider trading activity.
In Q4 2025, Citizens Financial reported revenue of $1.967 billion (up 10.01% YoY), net income of $489 million (up 33.24% YoY), and EPS of $1.13 (up 36.14% YoY). These results indicate strong growth and profitability.
Analysts are overwhelmingly positive on CFG. Recent upgrades include price targets raised to $71-$78 by firms like JPMorgan, Evercore ISI, and TD Cowen. Analysts cite strong fundamentals, net interest margin expansion, and strategic growth initiatives as key drivers for the stock's future performance.