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Citizens Financial Group, Inc is a banks—regional business based in the US. Citizens Financial Group shares (CFG) are listed on the NYSE and all prices are listed in US Dollars. Citizens Financial Group employs 18,312 staff and has a trailing 12-month revenue of around USD$5.4 billion.
|52-week range||USD$14.12 - USD$40.92|
|50-day moving average||USD$25.952|
|200-day moving average||USD$23.4856|
|Wall St. target price||USD$30.16|
|Dividend yield||USD$1.56 (6.55%)|
|Earnings per share (TTM)||USD$2.523|
The value of any investment can go up or down depending on news, trends and market conditions. We are not investment advisers, so do your own due diligence to understand the risks before you invest.
The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.
This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.
|1 week (2020-09-17)||-100.00%|
|1 month (2020-08-27)||-100.00%|
|3 months (2020-06-26)||-100.00%|
|6 months (2020-03-27)||-100.00%|
|1 year (2019-09-27)||-100.00%|
|2 years (2018-09-27)||-100.00%|
|3 years (2017-09-27)||-100.00%|
|5 years (2015-09-25)||-100.00%|
Valuing Citizens Financial Group stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Citizens Financial Group's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.
Citizens Financial Group's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 10x. In other words, Citizens Financial Group shares trade at around 10x recent earnings.
That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.
Citizens Financial Group's "price/earnings-to-growth ratio" can be calculated by dividing its P/E ratio by its growth – to give 0.94. A low ratio can be interpreted as meaning the shares offer better value, while a higher ratio can be interpreted as meaning the shares offer worse value.
The PEG ratio provides a broader view than just the P/E ratio, as it gives more insight into Citizens Financial Group's future profitability. By accounting for growth, it could also help you if you're comparing the share prices of multiple high-growth companies.
|Revenue TTM||USD$5.4 billion|
|Operating margin TTM||26.95%|
|Gross profit TTM||USD$6.1 billion|
|Return on assets TTM||0.69%|
|Return on equity TTM||5.34%|
|Market capitalisation||USD$10.2 billion|
TTM: trailing 12 months
There are currently 12.4 million Citizens Financial Group shares held short by investors – that's known as Citizens Financial Group's "short interest". This figure is 90.1% up from 6.5 million last month.
There are a few different ways that this level of interest in shorting Citizens Financial Group shares can be evaluated.
Citizens Financial Group's "short interest ratio" (SIR) is the quantity of Citizens Financial Group shares currently shorted divided by the average quantity of Citizens Financial Group shares traded daily (recently around 6.3 million). Citizens Financial Group's SIR currently stands at 1.97. In other words for every 100,000 Citizens Financial Group shares traded daily on the market, roughly 1970 shares are currently held short.
However Citizens Financial Group's short interest can also be evaluated against the total number of Citizens Financial Group shares, or, against the total number of tradable Citizens Financial Group shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case Citizens Financial Group's short interest could be expressed as 0.03% of the outstanding shares (for every 100,000 Citizens Financial Group shares in existence, roughly 30 shares are currently held short) or 0.0333% of the tradable shares (for every 100,000 tradable Citizens Financial Group shares, roughly 33 shares are currently held short).
Such a low SIR usually points to an optimistic outlook for the share price, with fewer people currently willing to bet against Citizens Financial Group.
Find out more about how you can short Citizens Financial Group stock.
Environmental, social and governance (known as ESG) criteria are a set of three factors used to measure the sustainability and social impact of companies like Citizens Financial Group.
When it comes to ESG scores, lower is better, and lower scores are generally associated with lower risk for would-be investors.
Total ESG risk: 33.91
Socially conscious investors use ESG scores to screen how an investment aligns with their worldview, and Citizens Financial Group's overall score of 33.91 (as at 08/01/2020) is nothing to write home about – landing it in it in the 52nd percentile of companies rated in the same sector.
ESG scores are increasingly used to estimate the level of risk a company like Citizens Financial Group is exposed to within the areas of "environmental" (carbon footprint, resource use etc.), "social" (health and safety, human rights etc.), and "governance" (anti-corruption, tax transparency etc.).
Environmental score: 5.27/100
Citizens Financial Group's environmental score of 5.27 puts it squarely in the 7th percentile of companies rated in the same sector. This could suggest that Citizens Financial Group is a leader in its sector terms of its environmental impact, and exposed to a lower level of risk.
Social score: 19.24/100
Citizens Financial Group's social score of 19.24 puts it squarely in the 7th percentile of companies rated in the same sector. This could suggest that Citizens Financial Group is a leader in its sector when it comes to taking good care of its workforce and the communities it impacts.
Governance score: 17.91/100
Citizens Financial Group's governance score puts it squarely in the 7th percentile of companies rated in the same sector. That could suggest that Citizens Financial Group is a leader in its sector when it comes to responsible management and strategy, and exposed to a lower level of risk.
Controversy score: 3/5
ESG scores also evaluate any incidences of controversy that a company has been involved in. Citizens Financial Group scored a 3 out of 5 for controversy – a middle-of-the-table result reflecting that Citizens Financial Group hasn't always managed to keep its nose clean.
|Total ESG score||33.91|
|Total ESG percentile||51.65|
|Environmental score percentile||7|
|Social score percentile||7|
|Governance score percentile||7|
|Level of controversy||3|
Dividend payout ratio: 60% of net profits
Recently Citizens Financial Group has paid out, on average, around 60% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 6.55% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Citizens Financial Group shareholders could enjoy a 6.55% return on their shares, in the form of dividend payments. In Citizens Financial Group's case, that would currently equate to about $1.56 per share.
Citizens Financial Group's payout ratio would broadly be considered high, and as such this stock could appeal to those looking to generate an income. Bear in mind however that companies should normally also look to re-invest a decent amount of net profits to ensure future growth.
Citizens Financial Group's most recent dividend payout was on 12 August 2020. The latest dividend was paid out to all shareholders who bought their shares by 28 July 2020 (the "ex-dividend date").
Over the last 12 months, Citizens Financial Group's shares have ranged in value from as little as $14.12 up to $40.92. A popular way to gauge a stock's volatility is its "beta".
Beta is a measure of a share's volatility in relation to the market. The market (NYSE average) beta is 1, while Citizens Financial Group's is 1.7921. This would suggest that Citizens Financial Group's shares are more volatile than the average for this exchange and represent, relatively-speaking, a higher risk (but potentially also market-beating returns).
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 1,100 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 135 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.
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