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

COMMON STOCK | Banks - Regional |

Last Closing

USD 42.21

Change

+1.49 (+3.66)%

Market Cap

USD 17.80B

Volume

6.34M

Analyst Target

USD 30.16
Analyst Rating

Verdict

ducovest Verdict

Verdict

About

Citizens Financial Group, Inc. operates as the bank holding company that provides retail and commercial banking products and services to individuals, small businesses, middle-market companies, corporations, and institutions in the United States. The company operates in two segments, Consumer Banking and Commercial Banking. The Consumer Banking segment offers deposit products, mortgage and home equity lending products, credit cards, business loans, wealth management, and investment services; and auto, education, and point-of-sale finance loans, as well as digital deposit products. This segment serves its customers through telephone service centers, as well as through its online and mobile platforms. The Commercial Banking segment provides various financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange, and interest rate and commodity risk management solutions, as well as syndicated loans, corporate finance, mergers and acquisitions, and debt and equity capital markets services. This segment serves corporate banking, healthcare, technology, asset finance, franchise finance, leasing, asset-based lending, commercial real estate, mid-corporate, and private equity sponsor industries. 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.

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2024-09-19 )

Largest Industry Peers for Banks - Regional

Symbol Name Price(Change) Market Cap
USB-PH U.S. Bancorp

+0.04 (+0.18%)

USD 90.36B
USB-PP U.S. Bancorp

+0.16 (+0.64%)

USD 78.93B
PNC PNC Financial Services Group I..

+4.63 (+2.54%)

USD 72.14B
NU Nu Holdings Ltd

-0.05 (-0.34%)

USD 71.31B
USB U.S. Bancorp

+1.29 (+2.86%)

USD 69.74B
ITUB Itau Unibanco Banco Holding SA

-0.01 (-0.15%)

USD 60.27B
TFC Truist Financial Corp

+0.91 (+2.17%)

USD 56.03B
BSBR Banco Santander Brasil SA ADR

-0.05 (-0.89%)

USD 41.25B
NWG Natwest Group PLC

+0.21 (+2.34%)

USD 37.68B
BNKHF

N/A

USD 31.80B

ETFs Containing CFG

RUBY:CA RBC U.S. Banks Yield Inde.. 7.39 % 0.33 %

N/A

CAD 0.01B
CALL-U:CA Evolve US Banks Enhanced .. 6.71 % 0.00 %

N/A

N/A
ZBK:CA BMO Equal Weight US Banks.. 6.68 % 0.37 %

+0.81 (+0%)

CAD 0.68B
CALL:CA Evolve US Banks Enhanced .. 6.66 % 0.68 %

+0.27 (+0%)

CAD 0.09B
HUBL:CA Harvest US Bank Leaders I.. 6.51 % 1.57 %

+0.21 (+0%)

CAD 0.11B
CALL-B:CA Evolve US Banks Enhanced .. 6.29 % 0.00 %

+0.44 (+0%)

N/A
SPES:LSE Invesco S&P 500 Equal Wei.. 0.23 % 0.00 %

+16.25 (+0%)

N/A
SPEX:LSE Invesco S&P 500 Equal Wei.. 0.23 % 0.00 %

+17.00 (+0%)

N/A
DPST Direxion Daily Regional B.. 0.00 % 1.02 %

+8.40 (+0%)

USD 0.77B
FBU:CA 0.00 % 0.84 %

N/A

N/A
IAT iShares U.S. Regional Ban.. 0.00 % 0.42 %

+1.32 (+0%)

N/A
KRE SPDR® S&P Regional Banki.. 0.00 % 0.35 %

+1.62 (+0%)

N/A
FTXO First Trust Nasdaq Bank E.. 0.00 % 0.60 %

+0.83 (+0%)

USD 0.11B
HUBL-U:CA Harvest US Bank Leaders I.. 0.00 % 0.00 %

N/A

N/A
BNKS:LSE iShares S&P U.S. Banks ET.. 0.00 % 0.00 %

+0.15 (+0%)

N/A
RSP Invesco S&P 500® Equal W.. 0.00 % 0.20 %

+1.88 (+0%)

N/A
WDRW 0.00 % 0.99 %

N/A

N/A
EXX5:F iShares Dow Jones U.S. Se.. 0.00 % 0.00 %

+0.03 (+0%)

N/A
IUS2:F iShares S&P U.S. Banks UC.. 0.00 % 0.00 %

+0.12 (+0%)

N/A
XDEW:F Xtrackers (IE) Public Lim.. 0.00 % 0.00 %

+0.60 (+0%)

USD 7.17B
EXX5:XETRA iShares Dow Jones U.S. Se.. 0.00 % 0.00 %

-0.13 (0%)

USD 0.37B
IUS2:XETRA iShares S&P U.S. Banks UC.. 0.00 % 0.00 %

+0.11 (+0%)

USD 0.33B
TPHG:LSE Amundi Index Solutions - .. 0.00 % 0.00 %

+325.00 (+0%)

USD 7.44M
TPHU:LSE Amundi Japan Topix UCITS .. 0.00 % 0.00 %

+3.54 (+0%)

USD 0.02B
TPXG:LSE Amundi Index Solutions - .. 0.00 % 0.00 %

+164.50 (+0%)

USD 20.55B
TPXU:LSE Amundi Index Solutions - .. 0.00 % 0.00 %

+2.76 (+0%)

USD 20.55B
JHCB John Hancock Exchange-Tra.. 0.00 % 0.00 %

+0.04 (+0%)

USD 0.06B
JHMB John Hancock Exchange-Tra.. 0.00 % 0.00 %

-0.11 (0%)

USD 0.05B
BSMC 0.00 % 0.00 %

N/A

N/A

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 27.37% 83% B 89% A-
Dividend Return 3.80% 60% D- 69% C-
Total Return 31.17% 86% B+ 90% A-
Trailing 12 Months  
Capital Gain 56.51% 80% B- 92% A
Dividend Return 6.23% 62% D 76% C+
Total Return 62.74% 81% B- 93% A
Trailing 5 Years  
Capital Gain 17.64% 65% D 56% F
Dividend Return 22.41% 77% C+ 74% C
Total Return 40.05% 71% C- 59% D-
Average Annual (5 Year Horizon)  
Capital Gain 10.67% 69% C- 70% C-
Dividend Return 15.21% 73% C 75% C
Total Return 4.54% 70% C- 76% C+
Risk Return Profile  
Volatility (Standard Deviation) 46.30% 18% F 20% F
Risk Adjusted Return 32.86% 51% F 51% F
Market Capitalization 17.80B 80% B- 90% A-

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

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.

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.

Positive cash flow

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

What to not like:
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.

Poor return on assets

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

Poor return on equity

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

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.

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.

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

Low Dividend Growth

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