-0.77%
6.75%
13.75%
21.35%
50.78%
-10.19%
26.25%
AI Spotlight on CFG
Company Description
Citizens Financial Group, Inc.operates as the bank holding company for Citizens Bank, National Association that provides retail and commercial banking products and services to individuals, small businesses, middle-market companies, corporations, and institutions in the United States.The company operates in two segments, Consumer Banking and Commercial Banking.
The Consumer Banking segment offers deposit products, mortgage and home equity lending products, credit cards, business loans, wealth management, and investment services; and auto, education, and point-of-sale finance loans, as well as digital deposit products.This segment serves its customers through telephone service centers, as well as through its online and mobile platforms.The Commercial Banking segment provides various financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange, and interest rate and commodity risk management solutions, as well as syndicated loans, corporate finance, mergers and acquisitions, and debt and equity capital markets services.
This segment 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.It operates approximately 1,200 branches in 14 states and the District of Columbia; 114 retail and commercial non-branch offices in national markets; and approximately 3,300 automated teller machines.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.
Market Data
| Last Price | 47.57 |
| Change Percentage | -0.77% |
| Open | 47.78 |
| Previous Close | 47.94 |
| Market Cap ( Millions) | 20964 |
| Volume | 5102215 |
| Year High | 49.25 |
| Year Low | 30.24 |
| M A 50 | 45.94 |
| M A 200 | 40.81 |
Financial Ratios
| FCF Yield | 9.04% |
| Dividend Yield | 3.53% |
| ROE | 5.35% |
| Debt / Equity | 55.99% |
| Net Debt / EBIDTA | 237.93% |
| Price To Book | 0.85 |
| Price Earnings Ratio | 16.38 |
| Price To FCF | 11.06 |
| Price To sales | 2.05 |
| EV / EBITDA | 23.2 |
News
- Jan -21 - Citizens Deepens Investment in Florida with Addition of $700 Million Advisory Team
- Jan -21 - Citizens Financial Group to Participate at the UBS Financial Services Conference
- Jan -17 - Citizens Financial Q4 Earnings Beat Estimates on Fee Income Growth
- Jan -17 - Citizens Financial Group: Much Better Options Out There
- Jan -17 - Citizens Financial Group, Inc. (CFG) Q4 2024 Earnings Call Transcript
- Jan -17 - Citizens Financial Group (CFG) Q4 Earnings: How Key Metrics Compare to Wall Street Estimates
- Jan -17 - Citizens Financial Group (CFG) Tops Q4 Earnings and Revenue Estimates
- Jan -14 - Citizens Financial Group Earnings Are Imminent; These Most Accurate Analysts Revise Forecasts Ahead Of Earnings Call
- Jan -13 - Higher Costs to Hurt Citizens Financial's Q4 Earnings, NII to Aid
- Jan -06 - Citizens Financial Group Announces Fourth Quarter and Full Year 2024 Earnings Conference Call Details
- Dec -30 - Citizens Financial: A Pivotal Year On Tap, Shares Fairly Priced, A Mixed Chart
- Dec -28 - Bank Property Listed For Sale In Milford
- Dec -18 - Citizens Financial Group Announces Prime Rate Change
- Dec -18 - Calls of the Day: Tesla, Uber, Citizens Financial and Netflix
- Dec -11 - Regional Banks - FHN & CFG - Poised for Solid Performance in 2025
- Dec -10 - Goldman Sachs Is Raising Price Targets on 4 Dividend Superstars for 2025
- Dec -02 - Citizens Financial Group to Participate at the Goldman Sachs U.S. Financial Services Conference
- Nov -15 - Citizens Financial Group (CFG) Up 10.6% Since Last Earnings Report: Can It Continue?
- Nov -07 - Citizens Financial Group Announces Prime Rate Change
- Oct -16 - Citizens Financial Group: A Show Me Story
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Consumer Banking
Expected Growth : 6.5 %
What the company do ?
Consumer Banking from Citizens Financial Group, Inc. offers personal banking services, including checking, savings, credit cards, loans, and investment products to individuals and families.
Why we expect these perspectives ?
Citizens Financial Group, Inc.'s 6.5% growth in Consumer Banking is driven by increasing deposit growth, expansion of digital banking capabilities, and strategic partnerships. Additionally, the segment benefits from a strong brand presence, diversified product offerings, and a focus on customer experience. Furthermore, the company's investments in data analytics and risk management have improved operational efficiency, contributing to the segment's growth.
Segment n°2 -> Commercial Banking
Expected Growth : 7.2 %
What the company do ?
Commercial Banking from Citizens Financial Group, Inc. provides financial solutions to businesses, including cash management, lending, and trade finance services.
Why we expect these perspectives ?
Citizens Financial Group's 7.2% commercial banking growth is driven by strategic acquisitions, expansion of treasury management services, and increased lending to middle-market businesses. Additionally, investments in digital platforms and data analytics have enhanced customer experience, leading to increased deposits and fee income. A favorable interest rate environment and strong credit quality have also contributed to the segment's growth.
Segment n°3 -> Non-Core
Expected Growth : 5.8 %
What the company do ?
Non-Core from Citizens Financial Group, Inc. refers to the bank's non-strategic assets, including underperforming or non-performing loans, which are being actively managed and resolved.
Why we expect these perspectives ?
Citizens Financial Group's Non-Core segment growth of 5.8% is driven by strategic divestitures, improved risk management, and a favorable interest rate environment. Additionally, the segment benefits from a decline in legacy assets, reduced operating expenses, and a focus on higher-return businesses.
Segment n°4 -> Other
Expected Growth : 6.0 %
What the company do ?
Other from Citizens Financial Group, Inc. refers to non-interest income from various sources, including fees, commissions, and gains on sales of assets.
Why we expect these perspectives ?
Citizens Financial Group's 6.0% growth in 'Other' segment is driven by increasing fee income from treasury services, commercial card, and merchant services. Additionally, growth in commercial loan balances and higher interest rates contribute to the segment's expansion. Furthermore, the company's strategic investments in digital capabilities and customer experience enhancements also support this growth.
Citizens Financial Group, Inc. Products
| Product Range | What is it ? |
|---|---|
| Consumer Banking | Provides personal banking services, including checking and savings accounts, credit cards, personal loans, and mortgages. |
| Commercial Banking | Offers cash management, lending, and trade finance solutions to small businesses, middle market companies, and large corporations. |
| Corporate Banking | Provides treasury management, lending, and risk management solutions to large corporations and institutions. |
| Wealth Management | Offers investment management, brokerage, and wealth planning services to individuals, families, and institutions. |
| Mortgage Banking | Provides residential mortgage lending and servicing to individuals and investors. |
| Student Lending | Offers private student loans and refinancing options to students and families. |
Citizens Financial Group, Inc.'s Porter Forces
Threat Of Substitutes
Citizens Financial Group, Inc. operates in a highly competitive industry, but the threat of substitutes is mitigated by the complexity and specialization of financial services.
Bargaining Power Of Customers
Citizens Financial Group, Inc. has a large customer base, but customers have significant bargaining power due to the ease of switching to competitors.
Bargaining Power Of Suppliers
Citizens Financial Group, Inc. has a diverse supplier base, and suppliers have limited bargaining power due to the company's scale and negotiating power.
Threat Of New Entrants
The financial services industry has high barriers to entry, and new entrants face significant regulatory and capital requirements, limiting the threat of new entrants.
Intensity Of Rivalry
The financial services industry is highly competitive, with many established players, leading to a high intensity of rivalry among competitors.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 36.47% |
| Debt Cost | 10.71% |
| Equity Weight | 63.53% |
| Equity Cost | 10.71% |
| WACC | 10.71% |
| Leverage | 57.40% |
Citizens Financial Group, Inc. : Quality Control
Citizens Financial Group, Inc. passed 3 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| CATY | Cathay General Bancorp operates as the holding company for Cathay Bank that offers various commercial banking products and services to individuals, professionals, and small to medium-sized businesses in the United … |
| FBP | First BanCorp. operates as a bank holding company for FirstBank Puerto Rico that provides various financial services for retail, commercial, and institutional clients. The company operates through six segments: Commercial … |
| FHB | First Hawaiian, Inc. operates as a bank holding company for First Hawaiian Bank that provides a range of banking services to consumer and commercial customers in the United States. It … |
| BPOP | Popular, Inc., through its subsidiaries, provides various retail, mortgage, and commercial banking products and services in Puerto Rico, the United States, and British Virgin Islands. The company provides savings, NOW, … |
| SNV | Synovus Financial Corp. operates as the bank holding company for Synovus Bank that provides commercial and retail banking products and services. It operates through three segments: Community Banking, Wholesale Banking, … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Cathay Bank
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1-Year Total Return ->
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First Hawaiian
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1-Year Total Return ->
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Synovus
A-Score
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4
First Bank
A-Score
1-Year Total Return ->
5
Citizens Financial Group
A-Score
1-Year Total Return ->
6
