Citizens Stock Analysis

CFG -  USA Stock  

USD 51.70  0.10  0.19%

The modest gains experienced by current holders of Citizens Financial could raise concerns from shareholders as the firm it trading at a share price of 51.70 on very low momentum in volume. The company directors and management have been quite successful in maneuvering the stock at opportune times to take advantage of all market conditions in December. The stock standard deviation of daily returns for 90 days investing horizon is currently 1.97. The below-average Stock volatility is a good sign for longer-term investment options and for buy-and-hold investors.
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Citizens Stock Analysis 

 
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The Citizens Financial stock analysis report makes it easy to digest most publicly released information about Citizens Financial and get updates on important government artifacts, including earning estimates, SEC corporate filings, and announcements. Citizens Stock analysis module also helps to analyze the Citizens Financial price relationship with some important fundamental indicators such as market cap and management efficiency.

Citizens Stock Analysis Notes

About 98.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 1.03. Some equities with similar Price to Book (P/B) outperform the market in the long run. Citizens Financial next dividend is scheduled to be issued on the 28th of October 2021. Citizens Financial Group, Inc. operates as the bank holding company for Citizens Bank, National Association that provides retail and commercial banking products and services in the United States. Citizens Financial Group, Inc. was founded in 1828 and is headquartered in Providence, Rhode Island. Citizens Financial operates under BanksRegional classification in the United States and is traded on New York Stock Exchange. It employs 17366 people. For more info on Citizens Financial Group please contact Bruce Saun at 203 900-6715 or go to www.citizensbank.com.

Citizens Financial Investment Alerts

Many investors view ongoing market volatility as an opportunity to purchase more stocks at a favorable price or short it to generate a bearish trend profit opportunity. If you are one of those investors, make sure you clearly understand the position you are entering. Citizens Financial's investment alerts are automatically generated signals that are significant enough to either complement your investing judgment regarding Citizens Financial Group or challenge it. These alerts can help you understand what you are buying and avoid costly mistakes.
Citizens Financial has a poor financial position based on the latest SEC disclosures
Over 98.0% of the company shares are held by institutions such as insurance companies
Latest headline from www.nasdaq.com: Citizens Financial Groups Dividend Will Be US0. - Nasdaq

Citizens Financial Upcoming and Recent Events

Earnings reports are used by Citizens Financial to provide an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Every quarterly earnings report provides investors with three things: an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Citizens Financial previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
Upcoming Quarterly Report19th of January 2022
Next Earnings Report15th of April 2022
Next Fiscal Quarter End31st of December 2021
Next Fiscal Year End19th of January 2022
Last Quarter Report30th of September 2021
Last Earning Announcement31st of December 2020

Citizens Largest EPS Surprises

Earnings surprises can significantly impact Citizens Financial's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2015-04-22
2015-03-310.340.380.0411 
2017-04-20
2017-03-310.5060.610.10420 
2021-01-20
2020-12-310.88221.040.157817 
View All Earnings Estimates

Citizens Financial SEC Filings

SEC filings are important regulatory documents required of all public companies to provide to potential investors. Citizens Financial prospectus issued under the guidelines of SEC is a legal declaration of facts and statements to ensure that Citizens Financial investors are not misled. SEC filings are required by law to meet strict transparency standards and other important legal constraints. Although many companies may choose careful wording to disguise some material information, SEC filings make crucial Citizens Financial specific information freely available to individual and institutional investors to make a timely investment decision.
19th of January 2022
Financial Statements and Exhibits. Regulation FD Disclosure. Results of Operations and Financial Condition
View
15th of November 2021
Financial Statements and Exhibits. Other Events
View
4th of November 2021
Financial Statements and Exhibits. Regulation FD Disclosure
View
20th of October 2021
Financial Statements and Exhibits. Regulation FD Disclosure. Results of Operations and Financial Condition
View
14th of September 2021
Financial Statements and Exhibits. Regulation FD Disclosure
View
8th of September 2021
Financial Statements and Exhibits. Other Events. Regulation FD Disclosure
View
30th of July 2021
Financial Statements and Exhibits. Entry into a Material Definitive Agreement
View
28th of July 2021
Financial Statements and Exhibits. Other Events
View

Citizens Financial Thematic Classifications

In addition to having Citizens Financial stock in your portfolios, you can add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your favorite investment opportunity, you can then obtain an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility. If you are a result-oriented investor, you can benefit from optimizing one of our existing themes to build an efficient portfolio against your specific investing outlook.
Power Stocks IdeaPower Stocks
High potential, large capitalization stocks theme
Banking IdeaBanking
USA Equities from Banking industry as classified by Fama & French

Citizens Stock Institutional Investors

Have you ever been surprised when a price of an equity instrument such as Citizens Financial is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Citizens Financial Group backward and forwards among themselves. Citizens Financial's institutional investor refers to the entity that pools money to purchase Citizens Financial's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
Security TypeSharesValue
Nordea Investment Management AbCommon Shares3.7 M175.6 M
Wedge Capital Management L L PCommon Shares690.2 K32.6 M
Russell Investments Group LtdCommon Shares684.1 K32.3 M
New York State Teachers Retirement SystemCommon Shares572.5 K27.1 M
Aegon Asset Management Uk PlcCommon Shares475.6 K22.5 M
Foundry Partners LlcCommon Shares387.6 K18.3 M
Pl Capital Advisors LlcCommon Shares304.6 K14.4 M
Note, although Citizens Financial's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

Citizens Market Capitalization

The company currently falls under 'Large-Cap' category with total capitalization of 22.03 B. Market capitalization usually refers to the total value of a company's stock within the entire market. To calculate Citizens Financial's market, we take the total number of its shares issued and multiply it by Citizens Financial's current market price. To manage market risk and economic uncertainty, many investors today build portfolios that are diversified across equities with different market capitalizations. However, as a general rule, conservative investors tend to hold large-cap stocks, and these looking for more risk prefer small-cap and mid-cap equities.

Citizens Profitablity

Citizens Financial's profitability indicators refer to fundamental financial ratios that showcase Citizens Financial's ability to generate income relative to its revenue or operating costs. If, let's say, Citizens Financial is currently losing money, the management's focus should be on how to reverse that trend. However, when revenue exceeds expenses, Citizens Financial's executives or investors may be in less hurry to break that information down - which is where profitability analysis comes into play. Gaining a greater understanding of Citizens Financial's profitability requires more research than a typical breakdown of Citizens Financial's financial statements. By doing a profitability analysis, companies can identify areas needing attention, and investors can make a profitable trade.
The company has Net Profit Margin of 32.55 %, which may imply that it executes well on its competitive polices and has reasonable control over its expenses and variable costs. This is very large.
Last ReportedProjected for 2022
Return on Average Assets 0.00575  0.007824 
Return on Average Equity 0.0483  0.06 
Return on Invested Capital 0.00805  0.0104 
Return on Sales 0.26  0.24 

Management Efficiency

The entity has Return on Asset of 1.23 % which means that on every $100 spent on asset, it made $1.23 of profit. This is way below average. In the same way, it shows return on shareholders equity (ROE) of 9.78 %, implying that it generated $9.78 on every 100 dollars invested. Citizens Financial management efficiency ratios could be used to measure how well citizens financial manages its routine affairs as well as how well it operates its assets and liabilities. Citizens Financial Return on Average Equity is projected to increase slightly based on the last few years of reporting. The past year's Return on Average Equity was at 0.0483. The current year Return on Invested Capital is expected to grow to 0.0104, whereas Return on Sales is forecasted to decline to 0.24. Citizens Financial Asset Turnover is projected to slightly decrease based on the last few years of reporting. The past year's Asset Turnover was at 0.0261. The current year Return on Average Assets is expected to grow to 0.007824, whereas Revenue to Assets are forecasted to decline to 0.0376.
Last ReportedProjected for 2022
Book Value per Share 61.05  55.99 
Enterprise Value over EBIT 11.70  13.02 
Enterprise Value over EBITDA 7.68  9.19 
Price to Book Value 0.61  0.65 
Tangible Assets Book Value per Share 474.74  418.24 
Enterprise Value13.6 B18.1 B
Tangible Asset Value202.7 B189.9 B

Technical Drivers

As of the 29th of January, Citizens Financial shows the Downside Deviation of 2.19, risk adjusted performance of 0.046, and Mean Deviation of 1.47. Citizens Financial technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices. Put another way, you can use this information to find out if the firm will indeed mirror its model of historical prices and volume momentum, or the prices will eventually revert. We were able to analyze and collect data for nineteen technical drivers for Citizens Financial Group, which can be compared to its rivals. Please confirm Citizens Financial treynor ratio, as well as the relationship between the potential upside and expected short fall to decide if Citizens Financial is priced correctly, providing market reflects its regular price of 51.7 per share. Given that Citizens Financial has jensen alpha of 0.1604, we suggest you to validate Citizens Financial Group's prevailing market performance to make sure the company can sustain itself at a future point.

Citizens Financial Price Movement Analysis

The output start index for this execution was seven with a total number of output elements of fifty-four. The Mid-point Price over period is an average of Citizens Financial highest and lowest prices attained during the given period. View also all equity analysis or get more info about midpoint price over period overlap studies indicator.

Citizens Financial Insider Trading Activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Citizens Financial insiders, such as employees or executives, is commonly permitted as long as it does not rely on Citizens Financial's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Citizens Financial insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Brendan Coughlin over two months ago via Macroaxis 
Bona fide gift to Brendan Coughlin of tradable shares of Citizens Financial subject to Section 16
Lee Alexander over two months ago via Macroaxis 
Acquisition by Lee Alexander of tradable shares of Citizens Financial subject to Rule 16b-3
C Read over two months ago via Macroaxis 
Acquisition by C Read of 3521 shares of Citizens Financial subject to Rule 16b-3
Malcolm Griggs over three months ago via Macroaxis 
Bona fide gift to Malcolm Griggs of 4788 shares of Citizens Financial subject to Section 16
Lee Alexander over three months ago via Macroaxis 
Acquisition by Lee Alexander of tradable shares of Citizens Financial subject to Rule 16b-3
Donald McCree over six months ago via Macroaxis 
Citizens Financial exotic insider transaction detected
Lee Alexander over six months ago via Macroaxis 
Acquisition by Lee Alexander of tradable shares of Citizens Financial subject to Rule 16b-3
Lee Alexander over six months ago via Macroaxis 
Acquisition by Lee Alexander of 3010 shares of Citizens Financial subject to Rule 16b-3
Johnson Elizabeth S over six months ago via Macroaxis 
Payment of 771 shares by Johnson Elizabeth S of Citizens Financial subject to Rule 16b-3
Lee Alexander over six months ago via Macroaxis 
Acquisition by Lee Alexander of tradable shares of Citizens Financial subject to Rule 16b-3
Johnson Elizabeth S over six months ago via Macroaxis 
Acquisition by Johnson Elizabeth S of 5942 shares of Citizens Financial subject to Rule 16b-3
Lee Alexander over six months ago via Macroaxis 
Acquisition by Lee Alexander of 765 shares of Citizens Financial subject to Rule 16b-3

Citizens Financial Technical and Predictive Indicators

Citizens Financial Forecast Models

Citizens Financial time-series forecasting models is one of many Citizens Financial's stock analysis techniquest aimed to predict future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Citizens Financial's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the stock market movement and maximize returns from investment trading.

About Citizens Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how Citizens Financial stock is reacting to, or reflecting on a current stock market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Citizens shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas, a specific sector, or an individual stock such as Citizens Financial. By using and applying Citizens Stock analysis, traders can create a robust methodology for identifying Citizens entry and exit points for their positions.
Last ReportedProjected for 2022
EBITDA Margin 0.38  0.36 
Gross Margin 0.90  0.89 
Profit Margin 0.21  0.17 
Citizens Financial Group, Inc. operates as the bank holding company for Citizens Bank, National Association that provides retail and commercial banking products and services in the United States. Citizens Financial Group, Inc. was founded in 1828 and is headquartered in Providence, Rhode Island. Citizens Financial operates under BanksRegional classification in the United States and is traded on New York Stock Exchange. It employs 17366 people.

Current Citizens Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. Citizens analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. Citizens analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceAdvice# of Analysts
57.25Buy14Odds
Citizens Financial Group current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most Citizens analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand Citizens stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of Citizens Financial, talking to its executives and customers, or listening to Citizens conference calls.
Citizens Analyst Advice Details

Citizens Stock Analysis Indicators

Citizens Financial Group stock analysis indicators help investors evaluate how Citizens Financial stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading Citizens Financial shares will generate the highest return on investment. By understating and applying Citizens Financial stock analysis, traders can identify Citizens Financial position entry and exit signals to maximize returns.
Trailing Annual Dividend Rate1.56
Fifty Two Week Low36.01
Revenue Growth24.10%
Payout Ratio31.33%
Average Daily Volume Last 10 Day6.71M
Shares Short Prior Month8.62M
Average Daily Volume In Three Month4.62M
Earnings Growth74.30%
Shares Percent Shares Out2.21%
Earnings Quarterly Growth68.80%
Forward Price Earnings12.73
Short Percent Of Float2.51%
Float Shares424.07M
Fifty Two Week High57.00
Fifty Day Average49.66
Two Hundred Day Average47.07
Enterprise Value To Revenue2.21
Trailing Annual Dividend Yield3.03%
Continue to Trending Equities. Note that the Citizens Financial information on this page should be used as a complementary analysis to other Citizens Financial's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try Sync Your Broker module to sync your existing holdings, watchlists, positions or portfolios from thousands of online brokerage services, banks, investment account aggregators and robo-advisors..

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Is Citizens Financial's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Citizens Financial. If investors know Citizens will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Citizens Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
The market value of Citizens Financial is measured differently than its book value, which is the value of Citizens that is recorded on the company's balance sheet. Investors also form their own opinion of Citizens Financial's value that differs from its market value or its book value, called intrinsic value, which is Citizens Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Citizens Financial's market value can be influenced by many factors that don't directly affect Citizens Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Citizens Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine Citizens Financial value by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Citizens Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.