(CFG) Citizens Financial - Ratings and Ratios
Loans, Deposits, CreditCards, WealthManagement, InvestmentServices
CFG EPS (Earnings per Share)
CFG Revenue
Description: CFG Citizens Financial
Citizens Financial Group, Inc. (CFG) is a bank holding company providing a range of retail and commercial banking products and services across the United States. The companys operations are segmented into Consumer Banking and Commercial Banking, catering to diverse customer needs through various financial products and solutions.
The Consumer Banking segment focuses on individual and small business customers, offering deposit products, mortgage and home equity lending, credit cards, and wealth management services. The Commercial Banking segment serves larger corporate clients, providing lending and leasing, treasury management, foreign exchange, and risk management solutions. CFGs customer base spans multiple industries, including multi-family, office, industrial, retail, healthcare, and hospitality.
From a performance perspective, CFGs key metrics indicate a stable financial position. The banks return on equity (ROE) stands at 6.32%, suggesting a reasonable level of profitability. To further evaluate CFGs performance, we can examine additional KPIs such as the efficiency ratio, net interest margin (NIM), and loan-to-deposit ratio. A lower efficiency ratio and a higher NIM would indicate better operational efficiency and profitability, respectively. CFGs loan-to-deposit ratio can provide insights into its liquidity and lending activities. As a regional bank, CFGs performance can also be benchmarked against industry averages and peers.
CFGs market presence is significant, with a market capitalization of $20.67 billion. To assess its valuation, we can consider metrics such as the price-to-book (P/B) ratio and dividend yield. A comparison of CFGs valuation multiples with those of its peers can help determine if the stock is fairly valued, undervalued, or overvalued. Additionally, CFGs dividend payout ratio and history of dividend payments can be evaluated to assess its commitment to returning capital to shareholders.
CFG Stock Overview
| Market Cap in USD | 22,353m |
| Sub-Industry | Regional Banks |
| IPO / Inception | 2014-09-24 |
CFG Stock Ratings
| Growth Rating | 54.1% |
| Fundamental | 42.6% |
| Dividend Rating | 65.1% |
| Return 12m vs S&P 500 | 13.1% |
| Analyst Rating | 4.10 of 5 |
CFG Dividends
| Dividend Yield 12m | 3.54% |
| Yield on Cost 5y | 8.08% |
| Annual Growth 5y | 1.49% |
| Payout Consistency | 99.2% |
| Payout Ratio | 50.5% |
CFG Growth Ratios
| Growth Correlation 3m | 86.9% |
| Growth Correlation 12m | 40.4% |
| Growth Correlation 5y | 26.5% |
| CAGR 5y | 18.25% |
| CAGR/Max DD 3y | 0.39 |
| CAGR/Mean DD 3y | 1.33 |
| Sharpe Ratio 12m | 0.99 |
| Alpha | 0.00 |
| Beta | 0.952 |
| Volatility | 25.38% |
| Current Volume | 6754.5k |
| Average Volume 20d | 3733.2k |
| Stop Loss | 50.7 (-3%) |
| Signal | 1.60 |
Piotroski VR‑10 (Strict, 0-10) 5.0
| Net Income (1.59b TTM) > 0 and > 6% of Revenue (6% = 720.1m TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA -0.81pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1101 % (prev -1056 %; Δ -44.84pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.01 (>3.0%) and CFO 1.29b <= Net Income 1.59b (YES >=105%, WARN >=100%) |
| Net Debt (4.23b) to EBITDA (2.50b) ratio: 1.69 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.25 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (436.5m) change vs 12m ago -4.39% (target <= -2.0% for YES) |
| Gross Margin 59.99% (prev 57.73%; Δ 2.26pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 5.48% (prev 5.69%; Δ -0.21pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.48 (EBITDA TTM 2.50b / Interest Expense TTM 4.15b) >= 6 (WARN >= 3) |
Altman Z'' -3.70
| (A) -0.61 = (Total Current Assets 43.21b - Total Current Liabilities 175.34b) / Total Assets 218.31b |
| (B) 0.05 = Retained Earnings (Balance) 10.78b / Total Assets 218.31b |
| (C) 0.01 = EBIT TTM 2.00b / Avg Total Assets 219.12b |
| (D) 0.04 = Book Value of Equity 8.15b / Total Liabilities 193.08b |
| Total Rating: -3.70 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 42.60
| 1. Piotroski 5.0pt = 0.0 |
| 2. FCF Yield -12.03% = -5.0 |
| 3. FCF Margin 9.64% = 2.41 |
| 4. Debt/Equity 0.45 = 2.40 |
| 5. Debt/Ebitda 4.49 = -2.50 |
| 6. ROIC - WACC (= -4.15)% = -5.19 |
| 7. RoE 6.41% = 0.53 |
| 8. Rev. Trend 52.97% = 3.97 |
| 9. EPS Trend -80.56% = -4.03 |
What is the price of CFG shares?
Over the past week, the price has changed by +0.89%, over one month by +7.68%, over three months by +30.35% and over the past year by +34.01%.
Is Citizens Financial a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of CFG is around 51.44 USD . This means that CFG is currently overvalued and has a potential downside of -1.59%.
Is CFG a buy, sell or hold?
- Strong Buy: 10
- Buy: 3
- Hold: 8
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the CFG price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 56.5 | 8% |
| Analysts Target Price | 56.5 | 8% |
| ValueRay Target Price | 57.4 | 9.9% |
Last update: 2025-09-15 04:32
CFG Fundamental Data Overview
CCE Cash And Equivalents = 43.21b USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 15.7988
P/E Forward = 10.3413
P/S = 3.1011
P/B = 0.9668
P/EG = 0.2626
Beta = 1.141
Revenue TTM = 12.00b USD
EBIT TTM = 2.00b USD
EBITDA TTM = 2.50b USD
Long Term Debt = 10.98b USD (from longTermDebt, last quarter)
Short Term Debt = 249.0m USD (from shortTermDebt, last quarter)
Debt = 11.23b USD (Calculated: Short Term 249.0m + Long Term 10.98b)
Net Debt = 4.23b USD (from netDebt column, last quarter)
Enterprise Value = -9.62b USD (22.35b + Debt 11.23b - CCE 43.21b)
Interest Coverage Ratio = 0.48 (Ebit TTM 2.00b / Interest Expense TTM 4.15b)
FCF Yield = -12.03% (FCF TTM 1.16b / Enterprise Value -9.62b)
FCF Margin = 9.64% (FCF TTM 1.16b / Revenue TTM 12.00b)
Net Margin = 13.26% (Net Income TTM 1.59b / Revenue TTM 12.00b)
Gross Margin = 59.99% ((Revenue TTM 12.00b - Cost of Revenue TTM 4.80b) / Revenue TTM)
Tobins Q-Ratio = -1.18 (set to none) (Enterprise Value -9.62b / Book Value Of Equity 8.15b)
Interest Expense / Debt = 8.64% (Interest Expense 970.0m / Debt 11.23b)
Taxrate = 20.07% (379.0m / 1.89b)
NOPAT = 1.60b (EBIT 2.00b * (1 - 20.07%))
Current Ratio = 0.25 (Total Current Assets 43.21b / Total Current Liabilities 175.34b)
Debt / Equity = 0.45 (Debt 11.23b / last Quarter total Stockholder Equity 25.23b)
Debt / EBITDA = 4.49 (Net Debt 4.23b / EBITDA 2.50b)
Debt / FCF = 9.71 (Debt 11.23b / FCF TTM 1.16b)
Total Stockholder Equity = 24.82b (last 4 quarters mean)
RoA = 0.73% (Net Income 1.59b, Total Assets 218.31b )
RoE = 6.41% (Net Income TTM 1.59b / Total Stockholder Equity 24.82b)
RoCE = 5.59% (Ebit 2.00b / (Equity 24.82b + L.T.Debt 10.98b))
RoIC = 4.49% (NOPAT 1.60b / Invested Capital 35.57b)
WACC = 8.64% (E(22.35b)/V(33.59b) * Re(9.52%)) + (D(11.23b)/V(33.59b) * Rd(8.64%) * (1-Tc(0.20)))
Shares Correlation 3-Years: -100.00 | Cagr: -1.18%
Discount Rate = 9.52% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 66.82% ; FCFE base≈1.88b ; Y1≈1.38b ; Y5≈787.2m
Fair Price DCF = 27.38 (DCF Value 11.81b / Shares Outstanding 431.3m; 5y FCF grow -31.39% → 3.0% )
EPS Correlation: -80.56 | EPS CAGR: -11.81% | SUE: 2.08 | # QB: 1
Revenue Correlation: 52.97 | Revenue CAGR: 7.24% | SUE: 1.98 | # QB: 2
Additional Sources for CFG Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle