CFG:NYE-Citizens Financial Group, Inc (USD)

COMMON STOCK | Banks—Regional | NYE

Last Closing Price

USD 33.62

Change

+0.96 (+2.94)%

Market Cap

USD 13.95B

Volume

3.88M

Average Target Price

USD 32.35 (-3.78%)
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

Citizens Financial Group, Inc. operates as the bank holding company for Citizens Bank, National Association that provides retail and commercial banking products and services in the United States. The company operates in two segments, Consumer Banking and Commercial Banking. The Consumer Banking segment offers traditional banking products and services, including checking and savings accounts, home and education loans, credit cards, business loans, mortgage and home equity lending, and unsecured product finance and personal loans, as well as wealth management and investment services to retail customers and small businesses. This segment also provides indirect auto finance for new and used vehicles through auto dealerships. The Commercial Banking segment offers various financial products and solutions, such as loans and leasing, trade finance, deposit and treasury management, cash management, and foreign exchange and interest rate risk management solutions; and loan syndications, corporate finance, merger and acquisition, and debt and equity capital markets capabilities. It serves government banking, not-for-profit, healthcare, technology, professionals, oil and gas, asset finance, franchise finance, asset-based lending, commercial real estate, private equity, and sponsor finance industries. Citizens Financial Group, Inc. operates approximately 2,700 ATMs and 1,100 branches in 11 states in the New England, Mid-Atlantic, and Midwest regions, as well as through online, telephone, and mobile banking services; and maintains approximately 135 retail and commercial non-branch offices. The company was formerly known as RBS Citizens Financial Group, Inc. and changed its name to Citizens Financial Group, Inc. in April 2014. Citizens Financial Group, Inc. was founded in 1828 and is headquartered in Providence, Rhode Island.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2020-12-01 )

Largest Industry Peers for Banks—Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
HDB HDFC Bank Limited

+1.23 (+1.78%)

USD108.95B 133.33 N/A
USB-PH U.S. Bancorp

+0.11 (+0.47%)

USD96.83B 7.78 N/A
USB-PP U.S. Bancorp

+0.06 (+0.21%)

USD88.44B 9.33 N/A
USB-PO U.S. Bancorp

-0.01 (-0.04%)

USD83.07B 8.45 N/A
USB-PM U.S. Bancorp

+0.01 (+0.04%)

USD80.85B 8.87 N/A
USB U.S. Bancorp

+1.04 (+2.41%)

USD65.09B 14.30 N/A
PNC-PQ The PNC Financial Services Gro..

N/A

USD58.78B 2.14 N/A
PNC The PNC Financial Services Gro..

+2.65 (+1.92%)

USD58.50B 8.30 N/A
ITUB Itaú Unibanco Holding S.A

+0.38 (+7.10%)

USD48.55B 8.36 N/A
IBN ICICI Bank Limited

+0.53 (+4.12%)

USD43.61B 36.95 N/A

ETFs Containing CFG

Symbol Name Weight Mer Price(Change) Market Cap
DPST Direxion Daily Regional B.. 0.00 % 0.99 %

+6.83 (+7.42%)

USD0.11B
IAT iShares U.S. Regional Ban.. 0.00 % 0.42 %

+0.98 (+2.33%)

USD0.25B
KRE SPDR S&P Regional Banking.. 0.00 % 0.35 %

+1.22 (+2.56%)

USD1.24B
WDRW Direxion Daily Regional B.. 0.00 % 1.09 %

N/A

USD1.63M
ZBK:CA BMO Equal Weight US Banks.. 0.00 % 0.35 %

+0.51 (+2.08%)

USD0.55B
CALL:CA Evolve US Banks Enhanced .. 0.00 % 0.45 %

+0.29 (+1.91%)

USD4.71M
FTXO First Trust Nasdaq Bank E.. 0.00 % 0.60 %

+0.59 (+2.71%)

USD0.07B
EQRR ProShares Equities for Ri.. 0.00 % 0.35 %

N/A

USD1.18M
RUBY Rubius Therapeutics, Inc 0.00 % 0.00 %

+0.29 (+4.63%)

USD0.51B
UINC:LSE First Trust US Equity Inc.. 0.00 % 0.65 %

+8.00 (+0.46%)

USD0.05B

Market Performance

  Market Performance vs.
Industry/Classification (Banks—Regional)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain -17.21% 48% F 23% F
Dividend Return 3.84% 81% B- 75% C
Total Return -13.37% 50% F 25% F
Trailing 12 Months  
Capital Gain -10.96% 50% F 27% F
Dividend Return 4.13% 79% C+ 74% C
Total Return -6.83% 53% F 28% F
Trailing 5 Years  
Capital Gain 27.01% 75% C 61% D-
Dividend Return 18.89% 75% C 62% D-
Total Return 45.90% 78% C+ 61% D-
Average Annual (5 Year Horizon)  
Capital Gain 11.02% N/A N/A 81% B-
Dividend Return 2.78% N/A N/A 65% D
Total Return 13.81% N/A N/A 82% B-
Risk Return Profile  
Volatility (Standard Deviation) 32.66% N/A N/A 18% F
Risk Adjusted Return 42.28% N/A N/A 58% F
Market Capitalization 13.95B 70% C- 85% B
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Banks—Regional)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 14.72 31% F 60% D-
Price/Book Ratio 0.71 82% B- 85% B
Price / Cash Flow Ratio 8.22 40% F 44% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 4.74% 19% F 49% F
Return on Invested Capital 4.87% 36% F 46% F
Return on Assets 0.61% 24% F 29% F
Debt to Equity Ratio 63.81% 45% F 53% F
Technical Ratios  
Short Ratio 1.71 77% C+ 55% F
Short Percent 2.43% 45% F 64% D
Beta 1.82 8% F 14% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Underpriced compared to book value

The stock is trading low compared to its peers on a price to book value basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

What to not like:
Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Poor return on equity

The company management has delivered below median return on equity in the most recent 4 quarters compared to its peers.

Poor capital utilization

The company management has delivered below median return on invested capital in the most recent 4 quarters compared to its peers.

Poor return on assets

The company management has delivered below median return on assets in the most recent 4 quarters compared to its peers.

Higly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector

Low Dividend Growth

This stock has shown below median dividend growth in the previous 5 years compared to its sector.