Is Citizens Financial Group, Inc. (Rhode Island) overvalued or undervalued?

As of 17 July 2025, the valuation grade for Citizens Financial Group, Inc. has moved from fair to very attractive. The company appears to be undervalued, particularly when considering its P/E ratio of 15, which is lower than peers such as Huntington Bancshares, Inc. at 12.37 and Regions Financial Corp. at 12.07. Additionally, the Price to Book Value stands at 0.96, and the PEG Ratio is 1.14, indicating potential for growth relative to its valuation.
In terms of performance, Citizens Financial Group has outperformed the S&P 500 across various time frames, with a year-to-date return of 22.58% compared to the S&P 500's 12.22%. This trend reinforces the attractiveness of the stock, especially given its strong dividend yield of 331.50% and ROCE of 8.82%, which further support the argument for its undervaluation in the current market.