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Citizens Financial Group Inc
NYSE:CFG

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Citizens Financial Group Inc Logo
Citizens Financial Group Inc
NYSE:CFG
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Price: 36.29 USD 1.31% Market Closed
Updated: Mar 29, 2024

Intrinsic Value

Citizens Financial Group, Inc. engages in the provision of commercial banking services. [ Read More ]

The intrinsic value of one CFG stock under the Base Case scenario is 63.62 USD. Compared to the current market price of 36.29 USD, Citizens Financial Group Inc is Undervalued by 43%.

Key Points:
CFG Intrinsic Value
Base Case
63.62 USD
Undervaluation 43%
Intrinsic Value
Price
Worst Case
Base Case
Best Case

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Citizens Financial Group Inc

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Fundamental Analysis

Stabilizing After Declines, Poised for Growth
2023-Q4 Earnings Call

Stabilizing After Declines, Poised for Growth

Despite exposure to higher funding costs and a 6% to 9% expected decline in Net Interest Income (NII) in 2024, driven partly by swap book changes, the company projects a rebound with spot loan growth of 3% to 5% and an increase in noninterest income by 6% to 9%. They forecast NII to improve by approximately $371 million in 2025 from swaps, with continued benefits in subsequent years. Expenses are anticipated to rise slightly by about 1% to 1.5%. A conservative approach will be maintained with plans for share repurchases, expecting to end 2024 with a CET1 ratio of around 10.5% and aiming for a return to positive operating leverage in the second half of the year followed by a trough in Pre-Provision Net Revenue (PPNR) in the second quarter.

Financials

Balance Sheet Decomposition
Citizens Financial Group Inc

Net Loans 143.9B
Investments 47.4B
PP&E 895m
Intangibles 8.3B
Other Assets 21.5B
Total Deposits 177.3B
Short Term Debt 505m
Long Term Debt 9.2B
Other Liabilities 10.6B
Efficiency

Wall St
Price Targets

CFG Price Targets Summary
Citizens Financial Group Inc

Wall Street analysts forecast CFG stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for CFG is 38.13 USD with a low forecast of 33.33 USD and a high forecast of 44.1 USD.

Lowest
Price Target
33.33 USD
8% Downside
Average
Price Target
38.13 USD
5% Upside
Highest
Price Target
44.1 USD
22% Upside
View Analyst Estimates
View Analyst Estimates

Competitive Landscape

Ownership

CFG Insider Trading
Buy and sell transactions by insiders

Cumulative Transactions Amount
Period Sold Bought Net
3 Months
6 Months
9 Months
12 Months
Why is insider trading important?

Shareholder Return

CFG Price
Citizens Financial Group Inc

1M 1M
+16%
6M 6M
+35%
1Y 1Y
+18%
3Y 3Y
-9%
5Y 5Y
+34%
10Y 10Y
+107%
Annual Price Range
36.29
52w Low
22.4593
52w High
36.29
Price Metrics
Average Annual Return 12.11%
Standard Deviation of Annual Returns 28.69%
Max Drawdown -62%
Shares Statistics
Market Capitalization 16.9B USD
Shares Outstanding 458 399 008
Percentage of Shares Shorted 6.18%

CFG Return Decomposition
Main factors of price return

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CFG News

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Citizens Financial Group Inc

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Sentiment Analysis
Citizens Financial Group Inc

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Company Profile

Citizens Financial Group Inc Logo
Citizens Financial Group Inc

Country

United States of America

Industry

Banking

Market Cap

16.9B USD

Dividend Yield

4.76%

Description

Citizens Financial Group, Inc. engages in the provision of commercial banking services. The company is headquartered in Providence, Rhode Island and currently employs 17,463 full-time employees. The company went IPO on 2014-09-24. The Company’s segments include Consumer Banking and Commercial Banking. In Consumer Banking, Citizens provides an integrated service, including mobile and online banking, a 24/7 customer contact center and the convenience of approximately 3,000 ATMs and more than 1,200 branches in 14 states and the District of Columbia. Consumer Banking products and services include a range of banking, lending, savings, wealth management and small business offerings. In Commercial Banking, Citizens offers a range of financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange and commodity risk management solutions, as well as loan syndication, corporate finance, equity capital markets, merger and acquisition.

Contact

RHODE ISLAND
Providence
1 Citizens Plaza
+12039006715.0
https://www.citizensbank.com/

IPO

2014-09-24

Employees

17 463

Officers

CEO & Chairman of the Board
Mr. Bruce Winfield Van Saun
Vice Chairman & CFO
Mr. John F. Woods
Vice Chairman & Head of Commercial Banking Division
Mr. Donald H. McCree III
Executive Vice President
Mr. Malcolm D. Griggs
Executive VP, Head of Consumer Banking & Vice Chairman
Mr. Brendan Coughlin
Executive VP, Chief Accounting Officer & Controller
Mr. Craig Jack Read
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Head of Corporate Finance & Capital Markets
Mr. Theodore C. Swimmer
Executive VP, Chief Information Officer & Head of Technology Services
Mr. Michael Ruttledge
Head of Investor Relations
Ms. Kristin Silberberg
Executive VP, General Counsel & Chief Legal Officer
Ms. Polly Nyquist Klane
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See Also

Discover More
What is the Intrinsic Value of one CFG stock?

The intrinsic value of one CFG stock under the Base Case scenario is 63.62 USD.

Is CFG stock undervalued or overvalued?

Compared to the current market price of 36.29 USD, Citizens Financial Group Inc is Undervalued by 43%.