US StockDetailed Quotes

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Citizens

68.87

-0.8400-1.20%

Volume:4.78M

Turnover:328.79M

Market Cap:29.11B

PE:15.00

High:69.37

Open:69.36

Low:68.40

Close:69.71

52wk High:75.33

52wk Low:47.96

Shares:422.68M

Float Shares:417.00M

Volume Ratio:2.26

T/O Rate:1.15%

Dividend:1.80

Dividend Rate:2.61%

EPS(TTM):4.59

EPS(LYR):3.86

ROE:8.27%

ROA:0.94%

PB:1.21

PE(LYR):17.84

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Overview Company News Filings

Texas Capital names Jeff Hood chief human resources officer effective May 4

Citizens Financial reports third-party data incident, says operations unaffected

BRIEF-Citizens Financial Says We Have Been Managing An Incident Involving Data Extracted From A Third Party Vendor

Citizens Financial - Citizens Offers Statement Regarding Third-Party Vendor Event

THOMSON REUTERS

Citizens Financial - No Evidence of Unauthorized Access to the Citizens Network, and Our Operations Continue as Normal

THOMSON REUTERS

Citizens Financial-for Citizens, Most of This Was Masked Test Data, Although a Limited Set of Information for a Small Number of Customers Was Involved

THOMSON REUTERS

Citizens Financial price target raised to $75 from $70 at Evercore ISI

Citizens Financial Group Inc. Stock Outperforms Competitors On Strong Trading Day

Citizens Financial Group Is Maintained at Buy by DA Davidson

Citizens Financial CEO Van Saun to speak at Barclays Americas Select Franchise Conference

DA Davidson Adjusts Citizens Financial Price Target to $74 From $73, Maintains Buy Rating

MT Newswires Live

Analysts Offer Insights on Financial Companies: Regions Financial (RF) and Citizens Financial (CFG)

Citizens Financial Analysts Raise Their Forecasts After Better-Than-Expected Q1 Earnings

Benzinga Earnings

WRAPUP 1-US regional lenders lift veil on 'shadow bank' exposure after strong quarter

AI Is Rewriting Corporate Lingo. ChatGPT Is Leaving Its Mark. -- Barrons.com

Citizens Financial Group Is Maintained at Outperform by Keefe, Bruyette & Woods

RBC Raises Price Target on Citizens Financial Group to $70 From $67, Keeps Outperform Rating

MT Newswires Live

Citizens Financial : Truist Securities Raises Target Price to $69 From $63

THOMSON REUTERS

U.S. RESEARCH ROUNDUP-Adobe, Chevron, Exxon Mobil

Citizens Financial : Piper Sandler Raises Target Price to $71 From $68

THOMSON REUTERS

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Capital names Jeff Hood chief human resources officer effective May 4","url":"https://stock-news.laohu8.com/highlight/detail?id=2629880438","media":"Reuters","labels":["executive"],"top":-1,"itemType":null,"share":"https://ttm.financial/m/news/2629880438?lang=en_us&edition=fundamental","pubTime":"2026-04-23 18:35","pubTimestamp":1776940551,"startTime":"0","endTime":"0","summary":"Texas Capital named Jeff Hood managing director, chief human resources officer, effective May 4, 2026.Hood joins from Citizens Financial Group, bringing more than 25 years of human resources leadership in financial services.John Cummings was appointed chief operating officer, retaining oversight of retail branches, operations, marketing.Dustin Cosper was named head of commercial banking, taking responsibility for real estate, middle market, business banking.Chief Financial Officer Matt Scurlock added role as president of Texas Capital 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Financial reports third-party data incident, says operations unaffected","url":"https://stock-news.laohu8.com/highlight/detail?id=2629982190","media":"Reuters","labels":[],"top":-1,"itemType":null,"share":"https://ttm.financial/m/news/2629982190?lang=en_us&edition=fundamental","pubTime":"2026-04-22 10:42","pubTimestamp":1776825757,"startTime":"0","endTime":"0","summary":"Citizens Financial reports third-party data incident, says operations unaffectedApril 21 (Reuters) - Citizens Financial CFG.N said on Tuesday that it has been managing an incident involving data 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Vendor","url":"https://stock-news.laohu8.com/highlight/detail?id=2629098163","media":"Reuters","labels":[],"top":-1,"itemType":null,"share":"https://ttm.financial/m/news/2629098163?lang=en_us&edition=fundamental","pubTime":"2026-04-22 10:33","pubTimestamp":1776825195,"startTime":"0","endTime":"0","summary":"BRIEF-Citizens Financial Says We Have Been Managing An Incident Involving Data Extracted From A Third Party VendorApril 21  - Citizens Financial Group Inc CFG.N:CITIZENS FINANCIAL - WE HAVE BEEN MANAGING AN INCIDENT INVOLVING DATA EXTRACTED FROM A THIRD PARTY VENDOR.CITIZENS FINANCIAL - NO EVIDENCE OF UNAUTHORIZED ACCESS TO THE CITIZENS NETWORK, AND OUR OPERATIONS CONTINUE AS NORMALCITIZENS FINANCIAL-FOR CITIZENS, MOST OF THIS WAS MASKED TEST DATA, ALTHOUGH A LIMITED SET OF INFORMATION FOR A SMALL NUMBER OF CUSTOMERS WAS INVOLVEDSource text: [ID:]Further company coverage: CFG.N ","market":"fut","thumbnail":null,"type":0,"news_type":0,"thumbnails":[],"rights":null,"property":[],"language":"en","translate_title":"","themeId":null,"theme_name":"","theme_type":"","isJumpTheme":false,"source_url":"https://api.refinitiv.com/data/news/v1/stories/urn:newsml:reuters.com:20260422:nFWN414160:1","is_publish_highlight":false,"source_rank":0,"column":"","sentiment":"-1","news_top_title":null,"news_tag":"","news_rank":0,"length":0,"strategy_id":0,"source":null,"symbols":["BK4588","LU1791807156.HKD","LU0661504455.SGD","CFG","LU0345770308.USD","LU2237438978.USD","BK4211","LU0345770993.USD","LU0106831901.USD","LU0738911758.USD","BK4585","LU0949170772.SGD","LU1668664300.SGD"],"isVideo":false,"video":null,"gpt_icon":0},{"id":"2629309813","title":"Citizens Financial - Citizens Offers Statement Regarding Third-Party Vendor Event","url":"https://stock-news.laohu8.com/highlight/detail?id=2629309813","media":"THOMSON REUTERS","labels":[],"top":-1,"itemType":null,"share":"https://ttm.financial/m/news/2629309813?lang=en_us&edition=fundamental","pubTime":"2026-04-22 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Normal","url":"https://stock-news.laohu8.com/highlight/detail?id=2629709818","media":"THOMSON REUTERS","labels":[],"top":-1,"itemType":null,"share":"https://ttm.financial/m/news/2629709818?lang=en_us&edition=fundamental","pubTime":"2026-04-22 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Involved","url":"https://stock-news.laohu8.com/highlight/detail?id=2629138098","media":"THOMSON REUTERS","labels":[],"top":-1,"itemType":null,"share":"https://ttm.financial/m/news/2629138098?lang=en_us&edition=fundamental","pubTime":"2026-04-22 10:31","pubTimestamp":1776825101,"startTime":"0","endTime":"0","summary":null,"market":"nz","thumbnail":null,"type":0,"news_type":0,"thumbnails":[],"rights":null,"property":[],"language":"en","translate_title":"","themeId":null,"theme_name":"","theme_type":"","isJumpTheme":false,"source_url":"https://api.refinitiv.com/data/news/v1/stories/urn:newsml:reuters.com:20260422:nFWN414160:3","is_publish_highlight":false,"source_rank":0,"column":"","sentiment":"0","news_top_title":null,"news_tag":"","news_rank":0,"length":0,"strategy_id":0,"source":"reuters_en_live","symbols":["BK4585","LU0345770308.USD","LU0949170772.SGD","CFG","LU1668664300.SGD","LU0661504455.SGD","LU2237438978.USD","LU0106831901.USD","LU0738911758.USD","BK4588","BK4211","LU1791807156.HKD","LU0345770993.USD"],"isVideo":false,"video":null,"gpt_icon":0},{"id":"2629309310","title":"Citizens Financial price target raised to $75 from $70 at Evercore ISI","url":"https://stock-news.laohu8.com/highlight/detail?id=2629309310","media":"TIPRANKS","labels":[],"top":-1,"itemType":null,"share":"https://ttm.financial/m/news/2629309310?lang=en_us&edition=fundamental","pubTime":"2026-04-21 22:10","pubTimestamp":1776780603,"startTime":"0","endTime":"0","summary":"Evercore ISI raised the firm’s price target on Citizens Financial (CFG) to $75 from $70 and keeps an Outperform rating on the shares. Published fir...","market":"nz","thumbnail":null,"type":0,"news_type":0,"thumbnails":[],"rights":{"source":"tipranks_highlight","url":"https://www.tipranks.com/news/the-fly/citizens-financial-price-target-raised-to-75-from-70-at-evercore-isi-thefly-news?utm_source=itigerup.com&utm_medium=referral","rn_cache_url":null,"directOrigin":true},"property":[],"language":"en","translate_title":"","themeId":null,"theme_name":"","theme_type":"","isJumpTheme":false,"source_url":"https://www.tipranks.com/news/the-fly/citizens-financial-price-target-raised-to-75-from-70-at-evercore-isi-thefly-news?utm_source=itigerup.com&utm_medium=referral","is_publish_highlight":false,"source_rank":0,"column":"","sentiment":"1","news_top_title":null,"news_tag":"","news_rank":0,"length":0,"strategy_id":0,"source":"tipranks_highlight","symbols":["LU0345770993.USD","LU1791807156.HKD","BK4588","LU0345770308.USD","LU0661504455.SGD","LU0738911758.USD","LU0949170772.SGD","BK4585","LU0106831901.USD","LU1668664300.SGD","BK4211","LU2237438978.USD","CFG"],"isVideo":false,"video":null,"gpt_icon":0},{"id":"2629982779","title":"Citizens Financial Group Inc. Stock Outperforms Competitors On Strong Trading Day","url":"https://stock-news.laohu8.com/highlight/detail?id=2629982779","media":"Dow Jones","labels":[],"top":-1,"itemType":null,"share":"https://ttm.financial/m/news/2629982779?lang=en_us&edition=fundamental","pubTime":"2026-04-21 05:02","pubTimestamp":1776718920,"startTime":"0","endTime":"0","summary":"This article was automatically generated by MarketWatch using technology from Automated Insights.Shares of Citizens Financial Group Inc.  advanced 2.03% to $65.76 Monday, on what proved to be an all-around dismal trading session for the stock market, with the S&P 500 Index  falling 0.24% to 7,109.14 and Dow Jones Industrial Average  falling 0.01% to 49,442.56.This was the stock's second consecutive day of gains.Citizens Financial Group Inc. closed 4.40% short of its 52-week high of $68.79, which the company achieved on February 11th.The stock outperformed some of its competitors Monday, as Wells Fargo & Co.  rose 0.69% to $81.97, Citigroup Inc.  rose 0.66% to $133.05, and UBS Group AG  rose 0.18% to $43.82.Trading volume  remained 329,285 below its 50-day average volume of 5.1 M.Data source: Dow Jones Market Data, FactSet. Data compiled April 20, 2026.This content was created by MarketWatch, which is operated by Dow Jones & Co. MarketWatch is published independently from Dow Jones News","market":"sg","thumbnail":null,"type":0,"news_type":0,"thumbnails":[],"rights":null,"property":[],"language":"en","translate_title":"","themeId":null,"theme_name":"","theme_type":"","isJumpTheme":false,"source_url":"https://dowjonesnews.com/newdjn/logon.aspx?AL=N","is_publish_highlight":false,"source_rank":0,"column":"","sentiment":"1","news_top_title":null,"news_tag":"","news_rank":0,"length":0,"strategy_id":0,"source":null,"symbols":["LU0742534661.SGD","LU2462157665.USD","LU0942090050.USD","LU3187612489.SGD","LU0208291251.USD","LU0320765646.SGD","LU0787776722.HKD","BK4534","IE00B19Z3B42.SGD","BK4504","LU0052756011.USD","LU1201861249.SGD","LU0130102774.USD","LU0417517546.SGD","LU1267930573.SGD","LU1668664300.SGD","LU1863844665.USD","BK4559","LU1069347547.HKD","LU2361044949.HKD","LU0211328371.USD","BK4211","LU0130517989.USD","LU1363072403.SGD","LU0345770993.USD","LU0868494617.USD","LU0971096721.USD","LU0149725797.USD","LU0256863811.USD","LU0029864427.USD","LU1894683264.USD","LU0106831901.USD","LU2236285917.USD","IE00B19Z3581.USD","LU0640476718.USD","LU2461242641.AUD","LU0949170772.SGD","LU1244550221.USD","BK4585","LU1267930227.SGD","IE00B7SZLL34.SGD","LU0310800379.SGD","LU0251131958.USD","UBS","LU0648001328.SGD","LU2125154935.USD","CUL3","CFG","LU0098860793.USD","LU0170899867.USD"],"isVideo":false,"video":null,"gpt_icon":0},{"id":"2629776470","title":"Citizens Financial Group Is Maintained at Buy by DA Davidson","url":"https://stock-news.laohu8.com/highlight/detail?id=2629776470","media":"Dow Jones","labels":[],"top":-1,"itemType":null,"share":"https://ttm.financial/m/news/2629776470?lang=en_us&edition=fundamental","pubTime":"2026-04-21 04:35","pubTimestamp":1776717300,"startTime":"0","endTime":"0","summary":"Ratings actions from Benzinga: https://www.benzinga.com/quote/CFG/analyst-ratings \n\n\n \n\n\n  (END) Dow Jones Newswires\n\n\n  April 20, 2026 16:35 ET (20:35 GMT)","market":"fut","thumbnail":null,"type":0,"news_type":0,"thumbnails":[],"rights":null,"property":[],"language":"en","translate_title":"","themeId":null,"theme_name":"","theme_type":"","isJumpTheme":false,"source_url":"https://dowjonesnews.com/newdjn/logon.aspx?AL=N","is_publish_highlight":false,"source_rank":0,"column":"","sentiment":"1","news_top_title":null,"news_tag":"","news_rank":0,"length":0,"strategy_id":0,"source":null,"symbols":["LU0345770993.USD","BK4211","LU1668664300.SGD","BK4588","LU0345770308.USD","LU2237438978.USD","LU0661504455.SGD","LU0738911758.USD","LU1791807156.HKD","LU0106831901.USD","BK4585","CFG","LU0949170772.SGD"],"isVideo":false,"video":null,"gpt_icon":0},{"id":"2629977520","title":"Citizens Financial CEO Van Saun to speak at Barclays Americas Select Franchise Conference","url":"https://stock-news.laohu8.com/highlight/detail?id=2629977520","media":"Reuters","labels":["conferences"],"top":-1,"itemType":null,"share":"https://ttm.financial/m/news/2629977520?lang=en_us&edition=fundamental","pubTime":"2026-04-21 04:13","pubTimestamp":1776716026,"startTime":"0","endTime":"0","summary":"Citizens Financial Group CEO Bruce Van Saun scheduled to participate in Barclays Americas Select Franchise Conference on May 6, 2026 at 2:15 pm GMT.Disclaimer: This news brief was created by Public Technologies  using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Citizens Financial Group Inc. published the original content used to generate this news brief via Business Wire  on April 20, 2026, and is solely responsible for the information contained therein.","market":"fut","thumbnail":null,"type":0,"news_type":0,"thumbnails":[],"rights":null,"property":[],"language":"en","translate_title":"","themeId":null,"theme_name":"","theme_type":"","isJumpTheme":false,"source_url":"https://api.refinitiv.com/data/news/v1/stories/urn:newsml:reuters.com:20260420:nNDL4gmnBH:1","is_publish_highlight":false,"source_rank":0,"column":"","sentiment":"0","news_top_title":null,"news_tag":"conferences","news_rank":0,"length":0,"strategy_id":0,"source":null,"symbols":["BK4588","LU1791807156.HKD","LU0661504455.SGD","CFG","LU0345770308.USD","LU2237438978.USD","BK4211","LU0345770993.USD","LU0106831901.USD","LU0738911758.USD","BK4585","LU0949170772.SGD","LU1668664300.SGD"],"isVideo":false,"video":null,"gpt_icon":0},{"id":"2628430728","title":"DA Davidson Adjusts Citizens Financial Price Target to $74 From $73, Maintains Buy Rating","url":"https://stock-news.laohu8.com/highlight/detail?id=2628430728","media":"MT Newswires Live","labels":[],"top":-1,"itemType":null,"share":"https://ttm.financial/m/news/2628430728?lang=en_us&edition=fundamental","pubTime":"2026-04-20 20:27","pubTimestamp":1776688050,"startTime":"0","endTime":"0","summary":"Citizens Financial Group (CFG) has an average rating of Buy and mean price target of $72.28, according to analysts polled by FactSet.(MT Newswires covers equity, commodity and economic research from m","market":"nz","thumbnail":null,"type":0,"news_type":0,"thumbnails":[],"rights":null,"property":[],"language":"en","translate_title":"","themeId":null,"theme_name":"","theme_type":"","isJumpTheme":false,"source_url":"https://www.mtnewswires.com/","is_publish_highlight":false,"source_rank":0,"column":"","sentiment":"0","news_top_title":null,"news_tag":"","news_rank":0,"length":0,"strategy_id":0,"source":"mtnewswires_news","symbols":["LU0106831901.USD","LU0949170772.SGD","LU2237438978.USD","BK4211","LU1791807156.HKD","LU0661504455.SGD","LU0345770993.USD","LU0738911758.USD","LU0345770308.USD","CFG","BK4585","BK4588","LU1668664300.SGD"],"isVideo":false,"video":null,"gpt_icon":0},{"id":"2628740170","title":"Analysts Offer Insights on Financial Companies: Regions Financial (RF) and Citizens Financial (CFG)","url":"https://stock-news.laohu8.com/highlight/detail?id=2628740170","media":"TIPRANKS","labels":[],"top":-1,"itemType":null,"share":"https://ttm.financial/m/news/2628740170?lang=en_us&edition=fundamental","pubTime":"2026-04-20 20:00","pubTimestamp":1776686426,"startTime":"0","endTime":"0","summary":"Companies in the Financial sector have received a lot of coverage today as analysts weigh in on Regions Financial (RF) and Citizens Financial (CFG)...","market":"us","thumbnail":null,"type":0,"news_type":0,"thumbnails":[],"rights":{"source":"tipranks_highlight","url":"https://www.tipranks.com/news/blurbs/analysts-offer-insights-on-financial-companies-regions-financial-rf-and-citizens-financial-cfg-blurbs-news?utm_source=itigerup.com&utm_medium=referral","rn_cache_url":null,"directOrigin":true},"property":[],"language":"en","translate_title":"","themeId":null,"theme_name":"","theme_type":"","isJumpTheme":false,"source_url":"https://www.tipranks.com/news/blurbs/analysts-offer-insights-on-financial-companies-regions-financial-rf-and-citizens-financial-cfg-blurbs-news?utm_source=itigerup.com&utm_medium=referral","is_publish_highlight":false,"source_rank":0,"column":"","sentiment":"0","news_top_title":null,"news_tag":"","news_rank":0,"length":0,"strategy_id":0,"source":"tipranks_highlight","symbols":["LU0345770993.USD","LU0738911758.USD","LU0661504455.SGD","LU1883839398.USD","BK4211","BK4588","LU0949170772.SGD","CFG","LU1668664300.SGD","LU0106831901.USD","BK4585","LU1880398471.USD","LU1791807156.HKD","LU2237438978.USD","LU0345770308.USD","RF","LU1880398554.USD"],"isVideo":false,"video":null,"gpt_icon":0},{"id":"2628783318","title":"Citizens Financial Analysts Raise Their Forecasts After Better-Than-Expected Q1 Earnings","url":"https://stock-news.laohu8.com/highlight/detail?id=2628783318","media":"Benzinga Earnings","labels":["dataReport","express"],"top":-1,"itemType":null,"share":"https://ttm.financial/m/news/2628783318?lang=en_us&edition=fundamental","pubTime":"2026-04-18 00:20","pubTimestamp":1776442844,"startTime":"0","endTime":"0","summary":"Citizens Financial Group (CFG) reported better-than-expected earnings for Q1, with EPS of $1.13 and sales of $2.168B. Analysts raised price targets.","market":"us","thumbnail":null,"type":0,"news_type":0,"thumbnails":[],"rights":null,"property":[],"language":"en","translate_title":"","themeId":null,"theme_name":"","theme_type":"","isJumpTheme":false,"source_url":"https://www.benzinga.com/analyst-stock-ratings/price-target/26/04/51890936/citizens-financial-analysts-raise-their-forecasts-after-better-than-expected-q1-earnings","is_publish_highlight":false,"source_rank":0,"column":"","sentiment":"1","news_top_title":null,"news_tag":"dataReport,express","news_rank":0,"length":0,"strategy_id":0,"source":null,"symbols":["LU2237438978.USD","LU0345770308.USD","BK4585","LU0661504455.SGD","LU0106831901.USD","LU1668664300.SGD","BK4211","LU0738911758.USD","LU1791807156.HKD","LU0949170772.SGD","LU0345770993.USD","BK4588","CFG"],"isVideo":false,"video":null,"gpt_icon":0},{"id":"2628007472","title":"WRAPUP 1-US regional lenders lift veil on 'shadow bank' exposure after strong quarter","url":"https://stock-news.laohu8.com/highlight/detail?id=2628007472","media":"Reuters","labels":["event"],"top":-1,"itemType":null,"share":"https://ttm.financial/m/news/2628007472?lang=en_us&edition=fundamental","pubTime":"2026-04-17 23:29","pubTimestamp":1776439772,"startTime":"0","endTime":"0","summary":"WRAPUP 1-US regional lenders lift veil on 'shadow bank' exposure after strong quarter By Pritam Biswas and Arasu Kannagi Basil","market":"nz","thumbnail":null,"type":0,"news_type":0,"thumbnails":[],"rights":null,"property":[],"language":"en","translate_title":"","themeId":null,"theme_name":"","theme_type":"","isJumpTheme":false,"source_url":"https://api.refinitiv.com/data/news/v1/stories/urn:newsml:reuters.com:20260417:nL4N410182:1","is_publish_highlight":false,"source_rank":0,"column":"","sentiment":"0","news_top_title":null,"news_tag":"event","news_rank":0,"length":0,"strategy_id":0,"source":null,"symbols":["LU0345770993.USD","LU0211326839.USD","LU0345770308.USD","BK4214","LU1668664300.SGD","MTB","LU0971096721.USD","PNC","LU1267930227.SGD","FITB","IE00BFXG1179.USD","KEY","TFC","BK4566","USB","BK4589","IE000M9KFDE8.USD","LU2237438978.USD","LU0048573561.USD","LU0661504455.SGD","LU0070302665.USD","LU0208291251.USD","LU0742534661.SGD","LU0251131958.USD","LU0976567544.SGD","LU0310800965.SGD","LU1894683264.USD","LU0251142724.SGD","BK4559","BK4207","LU1880398554.USD","LU1880398471.USD","LU0170899867.USD","LU1883839398.USD","BK4585","LU1363072403.SGD","PRTS","BK4504","CFG","BK4211","LU0211326755.USD","LU0738911758.USD","LU0320765489.SGD","LU1894683348.USD","LU0052756011.USD","LU0053666078.USD","RF","LU1791807156.HKD","LU0496365809.HKD","LU0106831901.USD"],"isVideo":false,"video":null,"gpt_icon":0},{"id":"2628420253","title":"AI Is Rewriting Corporate Lingo. ChatGPT Is Leaving Its Mark. -- Barrons.com","url":"https://stock-news.laohu8.com/highlight/detail?id=2628420253","media":"Dow Jones","labels":[],"top":-1,"itemType":null,"share":"https://ttm.financial/m/news/2628420253?lang=en_us&edition=fundamental","pubTime":"2026-04-17 22:01","pubTimestamp":1776434460,"startTime":"0","endTime":"0","summary":"There's a familiar ring these days across company conference calls, shareholder letters, news releases, and other corporate communications.\"Our purpose is not just a statement; it's a guiding principle that shapes everything we do,\" insurer Progressive wrote in its 2025 letter to shareholders.At Citizens Financial Group, the growth in its private banking franchise is \"not just a win for the private bank -- it's a win for the entire enterprise.On a December earnings call, Synopsys' CEO said that \"engineering AI's future is not just a software challenge, it's a physics challenge.\". And there's an echo from your financial advisor. \"Independence is not just a business model -- it's a mind-set,\" Jon Beatty, head of Schwab Advisor Services, said in a September press release.The phrasing is increasingly common and it's a hallmark of chabots, experts say.\"The sentence construction 'it's not X, it's Y' is one of the biggest tells in AI,\" says Jeff Gaunt, founder of Gaunt Strategies, a firm 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