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

COMMON STOCK | Banks-Regional | NYE

Last Closing Price

USD 43.18

Change

-0.86 (-1.95)%

Market Cap

USD 18.34B

Volume

8.09M

Average Target Price

USD 47.83 (+10.76%)
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 1,000 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 130 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: 2021-04-22 )

Largest Industry Peers for Banks-Regional

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

+0.79 (+1.15%)

USD101.65B 176.89 N/A
USB-PH U.S. Bancorp

-0.08 (-0.31%)

USD100.49B 6.44 N/A
USB-PP U.S. Bancorp

-0.13 (-0.46%)

USD87.78B 7.38 N/A
USB U.S. Bancorp

-0.83 (-1.46%)

USD85.31B 15.04 N/A
USB-PO U.S. Bancorp

N/A

USD81.31B 8.27 N/A
USB-PM U.S. Bancorp

-0.01 (-0.04%)

USD78.73B 6.89 N/A
PNC The PNC Financial Services Gro..

-1.29 (-0.74%)

USD74.38B 9.15 N/A
PNC-PQ The PNC Financial Services Gro..

N/A

USD58.78B 2.14 N/A
IBN ICICI Bank Limited

+0.32 (+2.18%)

USD51.91B 25.04 N/A
ITUB Itaú Unibanco Holding S.A

+0.13 (+2.67%)

USD44.52B 14.10 N/A

ETFs Containing CFG

Symbol Name Weight Mer Price(Change) Market Cap
DPST Direxion Daily Regional B.. 0.00 % 1.00 %

-11.68 (-5.09%)

USD0.36B
FBU:CA CI First Asset U.S. Buyba.. 0.00 % 0.60 %

N/A

USD0.02B
IAT iShares U.S. Regional Ban.. 0.00 % 0.42 %

-0.89 (-1.56%)

USD0.44B
KRE SPDR S&P Regional Banking.. 0.00 % 0.35 %

-1.08 (-1.63%)

USD4.83B
WDRW Direxion Daily Regional B.. 0.00 % 1.09 %

N/A

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

-0.36 (-1.13%)

USD0.84B
CALL:CA Evolve US Banks Enhanced .. 0.00 % 0.45 %

-0.19 (-0.98%)

USD4.71M
EQRR ProShares Equities for Ri.. 0.00 % 0.35 %

-0.63 (-1.38%)

USD2.19M
HUBL:CA Harvest US Bank Leaders I.. 0.00 % 0.75 %

-0.19 (-1.15%)

USD0.03B
DBLV AdvisorShares DoubleLine .. 0.00 % 0.91 %

-0.59 (-0.64%)

USD0.04B
HUBL-U:CA Harvest US Bank Leaders I.. 0.00 % 0.75 %

N/A

N/A
UINC:LSE First Trust US Equity Inc.. 0.00 % 0.65 %

+24.00 (+1.13%)

USD0.10B

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 20.75% 71% C- 79% C+
Dividend Return 1.09% 43% F 54% F
Total Return 21.84% 71% C- 80% B-
Trailing 12 Months  
Capital Gain 113.23% 85% B 82% B-
Dividend Return 7.70% 93% A 80% B-
Total Return 120.94% 87% B+ 83% B
Trailing 5 Years  
Capital Gain 82.81% 79% C+ 74% C
Dividend Return 22.40% 86% B 74% C
Total Return 105.21% 84% B 77% C+
Average Annual (5 Year Horizon)  
Capital Gain 7.23% 89% B+ 67% D+
Dividend Return 3.19% 86% B 69% D+
Total Return 10.42% 91% A- 70% C-
Risk Return Profile  
Volatility (Standard Deviation) 35.84% 14% F 24% F
Risk Adjusted Return 29.07% 70% C- 46% F
Market Capitalization 18.34B 79% C+ 87% B+
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-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 12.09 60% D- 74% C
Price/Book Ratio 0.92 80% B- 81% B-
Price / Cash Flow Ratio 165.23 3% F 2% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 7.33% 36% F 56% F
Return on Invested Capital 3.12% 53% F 44% F
Return on Assets 0.90% 55% F 34% F
Debt to Equity Ratio 37.37% 46% F 70% C-
Technical Ratios  
Short Ratio 1.09 89% B+ 65% D
Short Percent 2.23% 54% F 65% D
Beta 1.79 8% F 17% 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:
High market capitalization

This is one of the largest entities in its sector and is among the top quartile. Such companies tend to be more stable.

Superior total returns

The stock has outperformed its sector peers on average annual total returns basis in the past 5 years (for a hold period of at least 12 months) and is in the top quartile.

High dividend returns

The stock has outperformed its sector peers on average annual dividend returns basis in the past 5 years (for a hold period of at least 12 months) and is in the top quartile. This can be a good buy, especially if it is outperforming on total return basis , for investors seeking high income yields.

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.

Superior Dividend Growth

This stock has shown top quartile dividend growth in the previous 5 years compared to its sector

What to not like:
High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

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.

Highly 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 Earnings Growth

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

Low Revenue Growth

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