CFG:NYE-Citizens Financial Group Inc (USD)

COMMON STOCK | Banks-Regional | NYE

Last Closing Price

USD 48.33

Change

+0.77 (+1.62)%

Market Cap

USD 19.75B

Volume

4.56M

Avg Analyst Target

USD 61.00 (+26.22%)

Avg User Target

USD
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict


Citizens Financial Group Inc (CFG) Stock Analysis:
Based on the Citizens Financial Group Inc stock forecasts from 3 analysts, the average analyst target price for Citizens Financial Group Inc is USD 61.00 over the next 12 months. Citizens Financial Group Inc’s average analyst rating is Strong Buy. Stock Target Advisor’s own stock analysis of Citizens Financial Group Inc is Slightly Bullish , which is based on 6 positive signals and 4 negative signals. At the last closing, Citizens Financial Group Inc’s stock price was USD 48.33. Citizens Financial Group Inc’s stock price has changed by +1.06 % over the past week, +0.54 % over the past month and +35.80 % over the last year.

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 C ...Read More

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-12-07 )

Largest Industry Peers for Banks-Regional

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

+1.42 (+2.16%)

USD111.84B 160.68 N/A
USB-PH U.S. Bancorp

+0.11 (+0.46%)

USD98.85B 4.82 N/A
PNC The PNC Financial Services Gro..

+3.34 (+1.67%)

USD83.57B 19.66 N/A
USB-PP U.S. Bancorp

+0.13 (+0.49%)

USD83.08B 5.31 N/A
USB U.S. Bancorp

+0.81 (+1.42%)

USD82.43B 11.41 N/A
USB-PO U.S. Bancorp

N/A

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

-0.01 (-0.04%)

USD76.56B 5.09 N/A
IBN ICICI Bank Limited

+0.80 (+4.37%)

USD66.30B 22.88 N/A
PNC-PQ The PNC Financial Services Gro..

N/A

USD58.78B 2.14 N/A
LYG Lloyds Banking Group plc

+0.08 (+3.32%)

USD43.89B 7,438.27 N/A

ETFs Containing CFG

Symbol Name Weight Mer Price(Change) Market Cap

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 35.15% 78% C+ 82% B-
Dividend Return 4.36% 69% D+ 70% C-
Total Return 39.51% 78% C+ 83% B
Trailing 12 Months  
Capital Gain 35.80% 74% C 81% B-
Dividend Return 4.38% 59% F 65% D
Total Return 40.18% 76% C 82% B-
Trailing 5 Years  
Capital Gain 35.99% 78% C+ 58% F
Dividend Return 17.16% 82% B- 64% D
Total Return 53.15% 81% B- 59% F
Average Annual (5 Year Horizon)  
Capital Gain 12.09% 81% B- 65% D
Dividend Return 3.77% 90% A- 75% C
Total Return 15.86% 85% B 69% D+
Risk Return Profile  
Volatility (Standard Deviation) 44.36% 18% F 23% F
Risk Adjusted Return 35.76% 60% D- 39% F
Market Capitalization 19.75B 80% B- 88% 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 9.55 59% F 75% C
Price/Book Ratio 0.92 79% C+ 79% C+
Price / Cash Flow Ratio 177.97 3% F 2% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 9.78% 26% F 50% F
Return on Invested Capital 4.35% 59% F 50% F
Return on Assets 1.23% 51% F 31% F
Debt to Equity Ratio 37.37% 54% F 70% C-
Technical Ratios  
Short Ratio 2.17 74% C 50% F
Short Percent 2.30% 41% F 58% F
Beta 1.63 8% F 19% 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 Ratings

Target Price Action Rating Action Analyst Rating Price Date

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User / Independent Analyst Ratings

User Name Target Rating Target Horizon (Months) Target Price User Analysis Date Comment

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.

Low Earnings Growth

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