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

EQUITY | Banks - Regional | New York Stock Exchange

Last Closing

USD 35.82

Change

+1.00 (+2.87)%

Market Cap

USD 16.42B

Volume

4.12M

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: 2024-03-27 )

Largest Industry Peers for Banks - Regional

Symbol Name Price(Change) Market Cap
HDB HDFC Bank Limited ADR

N/A

USD 149.53B
IBN ICICI Bank Limited

N/A

USD 91.13B
USB-PH U.S. Bancorp

N/A

USD 81.92B
USB-PP U.S. Bancorp

N/A

USD 73.73B
USB U.S. Bancorp

N/A

USD 67.05B
PNC PNC Financial Services Group I..

N/A

USD 62.61B
ITUB Itau Unibanco Banco Holding SA

N/A

USD 59.30B
NU Nu Holdings Ltd

N/A

USD 49.95B
MFG Mizuho Financial Group Inc.

N/A

USD 49.30B
TFC Truist Financial Corp

N/A

USD 49.11B

ETFs Containing CFG

HUBL-U:CA Harvest US Bank Leaders I.. 6.78 % 0.00 %

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CALL-U:CA Evolve US Banks Enhanced .. 6.19 % 0.00 %

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ZWK:CA BMO Covered Call US Banks.. 6.16 % 0.00 %

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CAD 0.34B
DPST Direxion Daily Regional B.. 1.96 % 1.02 %

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USD 0.67B
DVY iShares Select Dividend E.. 1.63 % 0.39 %

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USD 18.04B
FBU:CA 0.00 % 0.84 %

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IAT iShares U.S. Regional Ban.. 0.00 % 0.42 %

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USD 0.62B
KRE SPDR® S&P Regional Banki.. 0.00 % 0.35 %

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USD 2.80B
HUBL:CA Harvest US Bank Leaders I.. 0.00 % 1.57 %

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CAD 0.11B
RUBY:CA RBC U.S. Banks Yield Inde.. 0.00 % 0.33 %

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CAD 0.01B
WDRW 0.00 % 0.99 %

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CALL:CA Evolve US Banks Enhanced .. 0.00 % 0.68 %

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CAD 4.71M
EXX5:F iShares Dow Jones U.S. Se.. 0.00 % 0.00 %

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USD 0.35B
EXX5:XETRA iShares Dow Jones U.S. Se.. 0.00 % 0.00 %

N/A

USD 0.37B
RUBY-U:CA RBC U.S. Banks Yield Inde.. 0.00 % 0.00 %

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TPHG:LSE Amundi Index Solutions - .. 0.00 % 0.00 %

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USD 0.48M
TPHU:LSE Amundi Japan Topix UCITS .. 0.00 % 0.00 %

N/A

USD 0.48M
TPXG:LSE Amundi Index Solutions - .. 0.00 % 0.00 %

N/A

USD 23.34B
TPXU:LSE Amundi Index Solutions - .. 0.00 % 0.00 %

N/A

USD 23.34B
JHCB John Hancock Exchange-Tra.. 0.00 % 0.00 %

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USD 0.05B
JHMB John Hancock Exchange-Tra.. 0.00 % 0.00 %

N/A

USD 0.04B

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 8.09% 76% C+ 71% C-
Dividend Return 1.27% 51% F 63% D
Total Return 9.35% 77% C+ 73% C
Trailing 12 Months  
Capital Gain 15.07% 64% D 62% D
Dividend Return 5.40% 54% F 70% C-
Total Return 20.46% 63% D 64% D
Trailing 5 Years  
Capital Gain 10.22% 61% D- 52% F
Dividend Return 24.25% 86% B+ 80% B-
Total Return 34.46% 67% D+ 56% F
Average Annual (5 Year Horizon)  
Capital Gain 3.11% 61% D- 54% F
Dividend Return 7.49% 63% D 60% D-
Total Return 4.38% 71% C- 77% C+
Risk Return Profile  
Volatility (Standard Deviation) 47.26% 19% F 20% F
Risk Adjusted Return 15.85% 52% F 41% F
Market Capitalization 16.42B 78% C+ 88% B+

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 44% 73%
Price/Book Ratio 0.69 87% 88%
Price / Cash Flow Ratio 5.18 63% 59%
Price/Free Cash Flow Ratio N/A N/A N/A
Management Effectiveness  
Return on Equity 6.70% 18% 44%
Return on Invested Capital -1.19% 24% 21%
Return on Assets 0.72% 30% 28%
Debt to Equity Ratio 55.32% 46% 58%

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.