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

COMMON STOCK | Banks-Regional | NYE

Last Closing Price

USD 42.15

Change

-0.72 (-1.68)%

Market Cap

USD 18.27B

Volume

5.94M

Avg Analyst Target

USD 52.14 (+23.71%)

Avg User Target

USD
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)

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Relative Returns (From:    To: 2021-08-04 )

Largest Industry Peers for Banks-Regional

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

+1.30 (+1.80%)

USD132.88B 181.00 N/A
USB-PH U.S. Bancorp

-0.02 (-0.08%)

USD103.83B 5.40 N/A
USB-PP U.S. Bancorp

+0.05 (+0.18%)

USD87.50B 5.97 N/A
USB U.S. Bancorp

-0.83 (-1.49%)

USD82.88B 11.97 N/A
USB-PO U.S. Bancorp

N/A

USD81.31B 8.27 N/A
PNC The PNC Financial Services Gro..

-1.32 (-0.71%)

USD79.17B 14.13 N/A
USB-PM U.S. Bancorp

-0.01 (-0.04%)

USD78.13B 5.55 N/A
IBN ICICI Bank Limited

+0.52 (+2.76%)

USD65.14B 24.37 N/A
PNC-PQ The PNC Financial Services Gro..

N/A

USD58.78B 2.14 N/A
BSBR Banco Santander (Brasil) S.A

-0.13 (-1.65%)

USD58.69B 10.95 N/A

ETFs Containing CFG

Symbol Name Weight Mer Price(Change) Market Cap
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 %

-0.57 (-1.01%)

USD0.73B
WDRW Direxion Daily Regional B.. 0.00 % 1.09 %

N/A

USD1.63M
ZBK:CA BMO Equal Weight US Banks.. 0.00 % 0.38 %

-0.27 (-0.84%)

USD0.83B
CALL:CA Evolve US Banks Enhanced .. 0.00 % 0.45 %

-0.16 (-0.84%)

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

-0.18 (-0.59%)

USD0.24B
EQRR ProShares Equities for Ri.. 0.00 % 0.35 %

-0.85 (-1.77%)

USD7.85M
DBLV AdvisorShares DoubleLine .. 0.00 % 0.91 %

-1.01 (-1.06%)

USD0.05B
UINC:LSE First Trust Global Funds .. 0.00 % 0.65 %

-9.50 (-0.45%)

USD0.15B

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 17.87% 70% C- 68% D+
Dividend Return 3.27% 91% A- 78% C+
Total Return 21.14% 72% C- 72% C-
Trailing 12 Months  
Capital Gain 69.48% 78% C+ 84% B
Dividend Return 6.27% 81% B- 78% C+
Total Return 75.75% 80% B- 85% B
Trailing 5 Years  
Capital Gain 80.21% 86% B 75% C
Dividend Return 24.93% 95% A 80% B-
Total Return 105.13% 87% B+ 79% C+
Average Annual (5 Year Horizon)  
Capital Gain 9.77% 83% B 65% D
Dividend Return 3.49% 88% B+ 73% C
Total Return 13.26% 86% B 69% D+
Risk Return Profile  
Volatility (Standard Deviation) 41.70% 15% F 23% F
Risk Adjusted Return 31.80% 60% D- 42% F
Market Capitalization 18.27B 82% B- 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 9.57 63% D 78% C+
Price/Book Ratio 0.84 84% B 85% B
Price / Cash Flow Ratio 164.56 3% F 2% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 8.90% 25% F 52% F
Return on Invested Capital 4.35% 62% D- 51% F
Return on Assets 1.11% 44% F 32% F
Debt to Equity Ratio 37.37% 46% F 70% C-
Technical Ratios  
Short Ratio 1.28 88% B+ 65% D
Short Percent 1.30% 66% D 72% C-
Beta 1.75 10% F 18% 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

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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.

Poor return on assets

The company management has delivered below median return on assets 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