CFG$52.66
$52.5
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Powered by LiveAIOverall Analysis
BuyCitizens Financial Group (CFG) presents a mixed investment profile. Fundamentally, it shows steady performance with a solid dividend yield. However, its current valuation is on the higher side relative to its recent growth, and technical indicators suggest potential short-term headwinds. The company operates in a stable, albeit competitive, sector.
Thematic
Citizens Financial Group operates within the traditional banking sector, which is influenced by macroeconomic factors like interest rates and regulatory changes. While not directly tied to high-growth tech themes, it benefits from stable financial services demand and digitization trends in banking.
Fundamental
Citizens Financial Group demonstrates a solid financial foundation with consistent revenue, improving profitability metrics, and a commitment to returning capital to shareholders via dividends. Debt levels appear manageable, and the company maintains a strong asset base.
Technical
Current technical indicators for Citizens Financial Group suggest a mixed picture. The stock has shown recent positive performance but is trading near its 52-week high. Moving averages are largely bearish in the short to medium term, while some oscillators indicate potential oversold conditions, warranting caution.
| Factor | Score |
|---|---|
| Digital Transformation in Banking | 75 |
| Interest Rate Sensitivity | 70 |
| Regulatory Landscape | 60 |
| Financial Inclusion & Access | 65 |
| Factor | Score |
|---|---|
| Valuation | 70 |
| Profitability | 85 |
| Growth | 50 |
| Balance Sheet Health | 80 |
| Cash Flow | 75 |
| Dividend Yield | 85 |
| Factor | Score |
|---|---|
| Trend Analysis | 40 |
| Momentum | 65 |
| Volume Confirmation | 70 |
| Support & Resistance | 70 |
| Short-Term Oscillators (1m) | 50 |
AI Investing Checklist
Powered by LiveAIBullish Points (7)
Consistent Earnings Beat
The company has exceeded earnings per share (EPS) estimates in the last two reported quarters (Q1 2025 and Q4 2024), indicating robust operational performance and effective earnings management.
Attractive P/E Ratio
The trailing P/E ratio of 18.4 is competitive within the financial sector, suggesting the stock may be reasonably valued relative to its earnings.
Bearish Points (7)
Missed EPS Estimates
The company missed the EPS estimate in Q4 2024 by 2.82% and Q3 2024 by 0.67%, suggesting potential challenges in meeting market expectations.
Rising Quarterly P/E
The quarterly P/E ratio has significantly increased from 46.3 in Q4 2024 to 63.9 in Q1 2024, potentially indicating the stock is becoming overvalued on a short-term basis.
Calendar
July 2025
31
Ex-Dividend Date
August 2025
14
Next Dividend Date
October 2025
15
Next Earnings Date
H: $1.07
A: $1.02
L: $0.97
H: 2.12B
A: 2.10B
L: 2.05B
Profile
Citizens Financial Group, Inc. operates as the bank holding company that provides retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations, and institutions in the United States. The company operates through 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 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 multi-family, office, industrial, retail, healthcare, and hospitality sectors. 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.
Seasonals
Price Target
55.39 USD
The 39 analysts offering 1 year price forecasts for CFG have a max estimate of 65.00 and a min estimate of 48.50.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
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