Is Citizens Financial Stock a Good Investment?
Citizens Financial Investment Advice | CFG |
- Examine Citizens Financial's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research Citizens Financial's leadership team and their track record. Good management can help Citizens Financial navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Regional Banks space and any emerging trends that could impact Citizens Financial's business and its evolving consumer preferences.
- Compare Citizens Financial's performance and market position to its competitors. Analyze how Citizens Financial is positioned in terms of product offerings, innovation, and market share.
- Check if Citizens Financial pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about Citizens Financial's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in Citizens Financial Group, stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if Citizens Financial Group, is a good investment.
Sell | Buy |
Cautious Hold
Market Performance | Very Weak | Details | |
Volatility | Very steady | Details | |
Hype Condition | Stale | Details | |
Current Valuation | Fairly Valued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Barely shadows the market | Details | |
Investor Sentiment | Alarmed | Details | |
Analyst Consensus | Buy | Details | |
Financial Strenth (F Score) | Strong | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Examine Citizens Financial Stock
Researching Citizens Financial's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 98.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 0.83. Some equities with similar Price to Book (P/B) outperform the market in the long run. Citizens Financial Group, has Price/Earnings To Growth (PEG) ratio of 0.26. The entity last dividend was issued on the 31st of January 2025.
To determine if Citizens Financial is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding Citizens Financial's research are outlined below:
| Citizens Financial generated a negative expected return over the last 90 days | |
| Citizens Financial has a strong financial position based on the latest SEC filings | |
| Over 98.0% of the company shares are held by institutions such as insurance companies | |
| On 14th of February 2025 Citizens Financial paid $ 0.42 per share dividend to its current shareholders | |
| Latest headline from seekingalpha.com: Ally Financial placed on positive catalyst watch at Citi Citizens and USBank also top picks |
Citizens Financial uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in Citizens Financial Group,. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Citizens Financial's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 17th of April 2024 Upcoming Quarterly Report | View | |
| 17th of July 2024 Next Financial Report | View | |
| 31st of March 2024 Next Fiscal Quarter End | View | |
| 15th of January 2025 Next Fiscal Year End | View | |
| 31st of December 2023 Last Quarter Report | View | |
| 31st of December 2023 Last Financial Announcement | View |
Earnings surprises can significantly impact Citizens Financial's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises Citizens Financial's investors have experienced.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2015-04-22 | 2015-03-31 | 0.34 | 0.38 | 0.04 | 11 | ||
2017-04-20 | 2017-03-31 | 0.51 | 0.57 | 0.06 | 11 | ||
2024-04-17 | 2024-03-31 | 0.74 | 0.65 | -0.09 | 12 | ||
2023-04-19 | 2023-03-31 | 1.13 | 1.0 | -0.13 | 11 | ||
2022-07-19 | 2022-06-30 | 0.83 | 0.67 | -0.16 | 19 | ||
2021-07-20 | 2021-06-30 | 1.11 | 1.44 | 0.33 | 29 | ||
2020-04-17 | 2020-03-31 | 0.38 | 0.03 | -0.35 | 92 | ||
2024-01-17 | 2023-12-31 | 0.71 | 0.34 | -0.37 | 52 |
Citizens Financial Target Price Consensus
Citizens target price is determined by taking all analyst projections and averaging them out. There is no one specific way to measure analysts' performance other than comparing it to past results via a very sophisticated attribution analysis. Citizens Financial's target price projections below should be used in combination with other traditional price prediction techniques such as stock price forecasting, investor sentiment analysis, technical analysis, earnings estimate, and various momentum models.
| 22 | Buy |
Most Citizens analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to help potential investors understand Citizens stock's fair price compared to its market value. Analysts arrive at stock ratings after researching the public financial statements of Citizens Financial Group,, talking to its executives and customers, or listening to those companies' conference calls.
Macroaxis Advice Exposure ValuationCitizens Financial Target Price Projection
Citizens Financial's current and average target prices are 42.27 and 51.51, respectively. The current price of Citizens Financial is the price at which Citizens Financial Group, is currently trading. On the other hand, Citizens Financial's target price is what analysts think the stock is worth or could sell for in the future. The more significant the discrepancy between the two prices, the more it stimulates investors to act.Current Price
Citizens Financial Market Quote on 27th of March 2025
Target Price
Analyst Consensus On Citizens Financial Target Price
Citizens Financial Analyst Ratings
Citizens Financial's analyst stock recommendations are determined by taking an average estimate of all analysts we track and classifying them as Strong Buy, Buy, Hold, Strong Sell, or Sell. Ratings generally communicate what analysts sense about Citizens Financial stock, and they use a lot of effort and time to analyze it and arrive at a rating. That suggests that analyst recommendations are the outcome of an objective and thorough examination of Citizens Financial's financials, market performance, and future outlook by experienced professionals. Citizens Financial's historical ratings below, therefore, can serve as a valuable tool for investors.Know Citizens Financial's Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as Citizens Financial is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Citizens Financial Group, backward and forwards among themselves. Citizens Financial's institutional investor refers to the entity that pools money to purchase Citizens Financial's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Charles Schwab Investment Management Inc | 2024-12-31 | 7 M | Royal Bank Of Canada | 2024-12-31 | 6.2 M | Aqr Capital Management Llc | 2024-12-31 | 6.2 M | Lsv Asset Management | 2024-12-31 | 5.9 M | Ubs Group Ag | 2024-12-31 | 5.8 M | Norges Bank | 2024-12-31 | 5.6 M | Nordea Investment Mgmt Bank Demark A/s | 2024-12-31 | 5 M | Dimensional Fund Advisors, Inc. | 2024-12-31 | 4.7 M | Northern Trust Corp | 2024-12-31 | 4.6 M | Vanguard Group Inc | 2024-12-31 | 51.7 M | Blackrock Inc | 2024-12-31 | 49.1 M |
Citizens Financial's market capitalization trends
The company currently falls under 'Large-Cap' category with a total capitalization of 18.48 B.Market Cap |
|
Citizens Financial's profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Capital Employed | 0.01 | 0.01 | |
| Return On Equity | 0.06 | 0.04 |
Determining Citizens Financial's profitability involves analyzing its financial statements and using various financial metrics to determine if Citizens Financial is a good buy. For example, gross profit margin measures Citizens Financial's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of Citizens Financial's profitability and make more informed investment decisions.
Evaluate Citizens Financial's management efficiency
The current Return On Tangible Assets is estimated to decrease to 0. The current Return On Capital Employed is estimated to decrease to 0.01. At this time, Citizens Financial's Debt To Assets are most likely to increase slightly in the upcoming years. The Citizens Financial's current Asset Turnover is estimated to increase to 0.04, while Non Currrent Assets Other are forecasted to increase to (8.7 B). Citizens Financial's management efficiency ratios could be used to measure how well Citizens Financial manages its routine affairs as well as how well it operates its assets and liabilities.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 53.82 | 35.86 | |
| Tangible Book Value Per Share | 35.33 | 23.44 | |
| Enterprise Value Over EBITDA | 17.55 | 18.43 | |
| Price Book Value Ratio | 0.81 | 0.61 | |
| Enterprise Value Multiple | 17.55 | 18.43 | |
| Price Fair Value | 0.81 | 0.61 | |
| Enterprise Value | 32.1 B | 18.7 B |
The strategic decisions made by Citizens Financial management significantly impact its financial stability and market performance. Evaluating these factors helps determine whether the stock is a worthwhile investment.
Basic technical analysis of Citizens Stock
As of the 27th of March, Citizens Financial shows the Standard Deviation of 1.71, risk adjusted performance of (0.02), and Mean Deviation of 1.31. Citizens Financial Group, technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices. Please confirm Citizens Financial Group, standard deviation, as well as the relationship between the treynor ratio and potential upside to decide if Citizens Financial Group, is priced correctly, providing market reflects its regular price of 42.27 per share. Given that Citizens Financial has information ratio of (0.04), we suggest you to validate Citizens Financial Group,'s prevailing market performance to make sure the company can sustain itself at a future point.Citizens Financial's insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Citizens Financial insiders, such as employees or executives, is commonly permitted as long as it does not rely on Citizens Financial's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Citizens Financial insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Marita Zuraitis over six months ago Acquisition by Marita Zuraitis of 353 shares of Citizens Financial subject to Rule 16b-3 | ||
Kevin Cummings over six months ago Acquisition by Kevin Cummings of 134 shares of Citizens Financial subject to Rule 16b-3 | ||
Wendy Watson over a year ago Acquisition by Wendy Watson of 432 shares of Citizens Financial subject to Rule 16b-3 | ||
Marita Zuraitis over a year ago Acquisition by Marita Zuraitis of 4233 shares of Citizens Financial subject to Rule 16b-3 | ||
John Woods over a year ago Acquisition by John Woods of 24333 shares of Citizens Financial subject to Rule 16b-3 | ||
Wendy Watson over a year ago Acquisition by Wendy Watson of 215 shares of Citizens Financial subject to Rule 16b-3 |
Citizens Financial's Outstanding Corporate Bonds
Citizens Financial issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Citizens Financial Group, uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Citizens bonds can be classified according to their maturity, which is the date when Citizens Financial Group, has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
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| US174610AS45 Corp BondUS174610AS45 | View |
Understand Citizens Financial's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing Citizens Financial's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | (0.02) | |||
| Market Risk Adjusted Performance | (9.48) | |||
| Mean Deviation | 1.31 | |||
| Coefficient Of Variation | (2,923) | |||
| Standard Deviation | 1.71 | |||
| Variance | 2.91 | |||
| Information Ratio | (0.04) | |||
| Jensen Alpha | (0.07) | |||
| Total Risk Alpha | (0.06) | |||
| Treynor Ratio | (9.49) | |||
| Maximum Drawdown | 7.87 | |||
| Value At Risk | (3.24) | |||
| Potential Upside | 2.44 | |||
| Skewness | (0.55) | |||
| Kurtosis | 0.2923 |
| Risk Adjusted Performance | (0.02) | |||
| Market Risk Adjusted Performance | (9.48) | |||
| Mean Deviation | 1.31 | |||
| Coefficient Of Variation | (2,923) | |||
| Standard Deviation | 1.71 | |||
| Variance | 2.91 | |||
| Information Ratio | (0.04) | |||
| Jensen Alpha | (0.07) | |||
| Total Risk Alpha | (0.06) | |||
| Treynor Ratio | (9.49) | |||
| Maximum Drawdown | 7.87 | |||
| Value At Risk | (3.24) | |||
| Potential Upside | 2.44 | |||
| Skewness | (0.55) | |||
| Kurtosis | 0.2923 |
Consider Citizens Financial's intraday indicators
Citizens Financial intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Citizens Financial stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
Citizens Financial Corporate Filings
| 10th of March 2025 Other Reports | ViewVerify | |
8K | 5th of March 2025 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
F3 | 4th of March 2025 The report used by insiders such as officers, directors, and major shareholders (beneficial owners holding more than 10% of any class of the company's equity securities) to declare their ownership of a company's stock | ViewVerify |
| 25th of February 2025 Prospectus used primarily for registering securities for public sale. | ViewVerify |
Citizens Stock media impact
Far too much social signal, news, headlines, and media speculation about Citizens Financial that are available to investors today. That information is available publicly through Citizens media outlets and privately through word of mouth or via Citizens internal channels. However, regardless of the origin, that massive amount of Citizens data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of Citizens Financial news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of Citizens Financial relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to Citizens Financial's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive Citizens Financial alpha.
Citizens Financial Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards Citizens Financial can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
Citizens Financial Group, Historical Investor Sentiment
Investor biases related to Citizens Financial's public news can be used to forecast risks associated with an investment in Citizens. The trend in average sentiment can be used to explain how an investor holding Citizens can time the market purely based on public headlines and social activities around Citizens Financial Group,. Please note that most equities that are difficult to arbitrage are affected by market sentiment the most.
Citizens Financial's market sentiment shows the aggregated news analyzed to detect positive and negative mentions from the text and comments. The data is normalized to provide daily scores for Citizens Financial and other traded tickers. The bigger the bubble, the more accurate the estimated score. Higher bars for a given day show more participation in the average Citizens Financial news discussions. The higher the estimate score, the more favorable the investor's outlook on Citizens Financial.
Citizens Financial Maximum Pain Price Across June 20th 2025 Option Contracts
Citizens Financial's options can also be used to analyze investors' bias and current market sentiment in the context of behavioral finance. For example, Max pain usually refers to a trading concept that asserts that market manipulation can cause the market price of Citizens Financial close to the expiration of its current option contract to expire worthlessly. According to most research, about 35% of options are not executed, with roughly 50% traded out before expiration. So, Max pain occurs when market makers reach a net favorable position across all options at a strike price where option holders stand to lose the most money. By contrast, option sellers may reap the most after selling more options than buying, causing them to expire worthlessly. Please continue to view the detailed analysis of Citizens Financial's options.
Citizens Financial Corporate Directors
| Charles Koch | Independent Director | Profile | |
| Leo Higdon | Independent Director | Profile | |
| Howard Hanna | Independent Director | Profile | |
| Marita Zuraitis | Independent Director | Profile |
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Citizens Financial Group,. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census. You can also try the Sectors module to list of equity sectors categorizing publicly traded companies based on their primary business activities.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Citizens Financial. If investors know Citizens will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Citizens Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 1.458 | Dividend Share 1.68 | Earnings Share 3.03 | Revenue Per Share | Quarterly Revenue Growth 0.004 |
The market value of Citizens Financial Group, is measured differently than its book value, which is the value of Citizens that is recorded on the company's balance sheet. Investors also form their own opinion of Citizens Financial's value that differs from its market value or its book value, called intrinsic value, which is Citizens Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Citizens Financial's market value can be influenced by many factors that don't directly affect Citizens Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
In summary, please note that there is a difference between Citizens Financial's value and its price, as these two are different measures arrived at by various means. Investors typically determine if Citizens Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Citizens Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.