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

EQUITY | Banks - Regional | New York Stock Exchange

Last Closing

USD 46.18

Change

-1.21 (-2.55)%

Market Cap

USD 16.42B

Volume

3.97M

Analyst Target

USD 30.16
Analyst Rating

Verdict

ducovest Verdict

Verdict

About

Citizens Financial Group Inc is a bank holding company. The Company through its subsidiaries, provides retail and commercial banking products and services. Its business segments are Consumer Banking and Commercial Banking.

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2025-02-20 )

Largest Industry Peers for Banks - Regional

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

+0.08 (+0.35%)

USD 94.28B
PNC PNC Financial Services Group I..

-3.84 (-2.00%)

USD 79.47B
USB-PP U.S. Bancorp

+0.01 (+0.04%)

USD 75.42B
USB U.S. Bancorp

-0.89 (-1.90%)

USD 73.68B
NU Nu Holdings Ltd

-2.52 (-18.89%)

USD 63.64B
TFC Truist Financial Corp

-0.99 (-2.12%)

USD 63.19B
ITUB Itau Unibanco Banco Holding SA

-0.03 (-0.52%)

USD 54.03B
NWG Natwest Group PLC

+0.19 (+1.69%)

USD 43.44B
BSBR Banco Santander Brasil SA ADR

-0.09 (-1.91%)

USD 33.95B
MTB M&T Bank Corporation

-3.92 (-1.99%)

USD 32.99B

ETFs Containing CFG

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

+0.05 (+-1.21%)

N/A
CALL-B:CA Evolve US Banks Enhanced .. 6.29 % 0.00 %

N/A

N/A
ZBK:CA BMO Equal Weight US Banks.. 6.03 % 0.37 %

-0.70 (-1.21%)

CAD 0.81B
LYLD LYLD 2.36 % 0.00 %

-0.32 (-1.21%)

USD 0.01B
BSMC 2023 EFT Series Trust - B.. 2.19 % 0.00 %

-0.45 (-1.21%)

USD 0.08B
SPES:LSE Invesco S&P 500 Equal Wei.. 0.23 % 0.00 %

-7.50 (-1.21%)

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

-9.00 (-1.21%)

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

-9.43 (-1.21%)

USD 0.75B
FBU:CA 0.00 % 0.84 %

N/A

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

-1.27 (-1.21%)

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

-1.64 (-1.21%)

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

-0.72 (-1.21%)

USD 0.25B
HUBL:CA Harvest US Bank Leaders I.. 0.00 % 1.57 %

-0.26 (-1.21%)

CAD 0.13B
RUBY:CA RBC U.S. Banks Yield Inde.. 0.00 % 0.33 %

-0.58 (-1.21%)

CAD 0.02B
ZWK:CA BMO Covered Call US Banks.. 0.00 % 0.00 %

-0.50 (-1.21%)

CAD 0.37B
HUBL-U:CA Harvest US Bank Leaders I.. 0.00 % 0.00 %

-0.28 (-1.21%)

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

+0.01 (+-1.21%)

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

-2.56 (-1.21%)

N/A
WDRW 0.00 % 0.99 %

N/A

N/A
CALL:CA Evolve US Banks Enhanced .. 0.00 % 0.68 %

-0.28 (-1.21%)

CAD 0.11B
EXX5:F 0.00 % 0.00 %

N/A

N/A
IUS2:F 0.00 % 0.00 %

N/A

N/A
EXX5:XETRA 0.00 % 0.00 %

N/A

N/A
TPHG:LSE Amundi Index Solutions - .. 0.00 % 0.00 %

-38.00 (-1.21%)

USD 8.15M
TPHU:LSE Amundi Japan Topix UCITS .. 0.00 % 0.00 %

-0.32 (-1.21%)

USD 0.03B
TPXG:LSE Amundi Index Solutions - .. 0.00 % 0.00 %

-23.50 (-1.21%)

USD 27.57B
TPXU:LSE Amundi Index Solutions - .. 0.00 % 0.00 %

-0.17 (-1.21%)

USD 27.57B
JHCB John Hancock Exchange-Tra.. 0.00 % 0.00 %

+0.06 (+-1.21%)

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

+0.10 (+-1.21%)

USD 0.07B

Market Performance

  Market Performance vs. Industry/Classification (Banks - Regional) Market Performance vs. Exchange (New York Stock Exchange)
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 5.53% 67% D+ 72% C
Dividend Return 0.96% 56% F 54% F
Total Return 6.49% 71% C- 76% C+
Trailing 12 Months  
Capital Gain 48.58% 89% A- 92% A
Dividend Return 5.41% 58% F 72% C
Total Return 53.99% 90% A- 93% A
Trailing 5 Years  
Capital Gain 22.79% 60% D- 60% D-
Dividend Return 21.62% 64% D 69% C-
Total Return 44.40% 64% D 63% D
Average Annual (5 Year Horizon)  
Capital Gain 17.82% 70% C- 78% C+
Dividend Return 22.34% 74% C 81% B-
Total Return 4.52% 68% D+ 78% C+
Risk Return Profile  
Volatility (Standard Deviation) 47.36% 21% F 20% F
Risk Adjusted Return 47.17% 57% F 60% D-
Market Capitalization 16.42B 81% B- 91% A-

Key Financial Ratios

  Ratio vs. Industry/Classification (Banks - Regional) Ratio vs. Market (New York Stock Exchange)
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 17.30 31% 57%
Price/Book Ratio 0.92 83% 77%
Price / Cash Flow Ratio 10.14 41% 41%
Price/Free Cash Flow Ratio N/A N/A N/A
Management Effectiveness  
Return on Equity 6.21% 29% 46%
Return on Invested Capital 3.87% 32% 41%
Return on Assets 0.69% 34% 28%
Debt to Equity Ratio 42.93% 50% 65%

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 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 equity

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

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.

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