(CFG) Citizens Financial - Ratings and Ratios

Citizens Financial Group, Inc. (CFG) is a bank holding company that provides a comprehensive range of financial products and services to individuals, businesses, and institutions across the United States. The companys business is divided into two main segments: Consumer Banking, which caters to individual customers through deposit products, mortgage lending, credit cards, and wealth management services, and Commercial Banking, which serves corporate clients with lending, treasury management, and risk management solutions. With a history dating back to 1828, CFG has established itself as a significant player in the regional banking landscape, operating primarily in the Northeast and Midwest regions.

CFGs Consumer Banking segment leverages digital platforms, including online and mobile banking, to serve its customers, while its Commercial Banking segment provides specialized financial solutions to various industries, including multi-family, office, industrial, and healthcare sectors. The companys diverse product offerings and robust distribution channels enable it to maintain a strong market presence. CFGs commitment to innovation is reflected in its investment in digital banking infrastructure, aimed at enhancing customer experience and improving operational efficiency.

From a technical analysis perspective, CFGs stock price is currently at $40.27, slightly below its 20-day Simple Moving Average (SMA) of $40.53, indicating a potential short-term correction. However, the stock is above its 50-day SMA of $38.42, suggesting a longer-term uptrend. The 200-day SMA stands at $41.83, a level that CFG may test in the near future. Given the current ATR of 0.97, representing a 2.41% daily price movement, CFGs stock is exhibiting moderate volatility. With a 52-week high of $47.78 and a low of $32.65, the stock has demonstrated its ability to navigate a range of market conditions.

Combining technical and fundamental insights, a forecast for CFG can be derived. With a market capitalization of $17.528 billion and a forward P/E ratio of 10.42, CFG appears to be undervalued relative to its earnings potential. The companys Return on Equity (RoE) stands at 6.32%, indicating a decent level of profitability. Considering the current technical indicators and fundamental data, a potential price target for CFG could be around $45, representing a 12% upside from current levels. This forecast is based on the assumption that CFG will continue to demonstrate stable earnings growth and maintain its market share in the regional banking sector.