Citizens Financial Group Inc
NYSE:CFG
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%.
Valuation Backtest
Citizens Financial Group Inc
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Fundamental Analysis
Stabilizing After Declines, Poised for Growth
2023-Q4 Earnings Call
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.
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 |
Wall St
Price Targets
CFG Price Targets Summary
Citizens Financial Group Inc
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.
Ownership
CFG Insider Trading
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Shareholder Return
CFG Price
Citizens Financial Group Inc
Average Annual Return | 12.11% |
Standard Deviation of Annual Returns | 28.69% |
Max Drawdown | -62% |
Market Capitalization | 16.9B USD |
Shares Outstanding | 458 399 008 |
Percentage of Shares Shorted | 6.18% |
CFG News
Last Important Events
Citizens Financial Group Inc
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Sentiment Analysis
Citizens Financial Group Inc
Company Profile
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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.
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Officers
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%.