Citizens Financial Intrinsic Stock Value – Investors: Should You Take Note of Citizens Financial Group?
May 3, 2023
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The company offers a wide range of banking, lending, and asset management services to both consumers and businesses. As such, it has become an increasingly attractive investment for many investors. The question is: should you take note of Citizens Financial ($NYSE:CFG) Group and consider investing in their stock? The answer depends on your goals as an investor. If you are looking for a steady dividend income, Citizens Financial Group might be the right choice for you. Furthermore, Citizens Financial Group has shown strong growth compared to its peers in recent years. This has enabled it to outperform the market and deliver higher returns to its shareholders. As a result, its stock has seen a dramatic increase in value over the past few years.
In addition, Citizens Financial Group has been investing heavily in technology and innovation. This has allowed them to stay competitive in the market and develop new products and services to meet their clients’ needs. Also, the company’s focus on digital banking has enabled it to reach more customers, which has further contributed to its growth. With its strong balance sheet, consistent dividend payments, and focus on growth and innovation, the company seems well-positioned for future success.
Market Price
On Monday, Citizens Financial Group (CITIZENS FINANCIAL) saw a 6.9% drop in its stock from the prior closing price of $30.9 to $28.8, opening at $29.9. This sudden dip in their stock price has created a dilemma for investors: should they take note of CITIZENS FINANCIAL? In order to answer this question, it is important to look closely at the company’s current financial position, the general economic conditions, and any other relevant factors. Analyzing these factors will give investors a better understanding of the stock’s drop and help them decide if CITIZENS FINANCIAL is a good investment opportunity. Live Quote…
About the Company
Income Snapshot
Below shows the total revenue, net income and net margin for Citizens Financial. More…
| Total Revenues | Net Income | Net Margin |
| – | 2.05k | – |
Cash Flow Snapshot
Below shows the cash from operations, investing and financing for Citizens Financial. More…
| Operations | Investing | Financing |
| 4.12k | -12.64k | 9.91k |
Balance Sheet Snapshot
Below shows the total assets, liabilities and book value per share for Citizens Financial. More…
| Total Assets | Total Liabilities | Book Value Per Share |
| 222.26k | 198.06k | – |
Key Ratios Snapshot
Some of the financial key ratios for Citizens Financial are shown below. More…
| 3Y Rev Growth | 3Y Operating Profit Growth | Operating Margin |
| 7.5% | – | – |
| FCF Margin | ROE | ROA |
| – | – | – |
Analysis – Citizens Financial Intrinsic Stock Value
We at GoodWhale have conducted an analysis of CITIZENS FINANCIAL‘s wellbeing. Our proprietary Valuation Line has determined that the intrinsic value of CITIZENS FINANCIAL share is approximately $39.4. However, the current market price of the stock is $28.8, indicating that it is undervalued by 27.0%. We believe that this presents a great opportunity for investors to purchase the stock and take advantage of the current price discrepancy. More…
Peers
In recent years, the banking industry has become increasingly competitive. This is especially true for regional banks, which are facing increased competition from larger banks as well as online-only banks. Citizens Financial Group is one of the largest regional banks in the United States, with over $150 billion in assets. The company operates in more than 20 states and has over 1,200 branches. Its main competitors are NBT Bancorp, Keiyo Bank, and Southern Missouri Bancorp. All three of these banks are smaller than Citizens, but they have been growing rapidly in recent years.
– NBT Bancorp Inc ($NASDAQ:NBTB)
NBT Bancorp Inc. is a financial holding company that operates through its subsidiaries, which include NBT Bank, NBT Insurance Agency, and Penn Square Partners. The company has a market capitalization of $1.84 billion as of 2022. NBT Bancorp is headquartered in Norwich, New York and has more than 160 branches across upstate New York, northwestern Vermont, western Massachusetts, and northeastern Pennsylvania. The company’s primary business activities include commercial banking, retail banking, and asset management.
– Keiyo Bank Ltd ($TSE:8544)
Keiyo Bank Ltd is a Japanese bank with a market cap of 62.52B as of 2022. The company has over 2,000 branches and provides banking services to individuals and businesses. Services include savings and checking accounts, loans, credit cards, and investment products.
– Southern Missouri Bancorp Inc ($NASDAQ:SMBC)
Southern Missouri Bancorp Inc is a bank holding company that operates through its subsidiary, Southern Bank. The company offers a range of banking services to clients in Missouri, Arkansas, and Tennessee. As of 2022, the company had a market cap of 499 million dollars.
Summary
Investing in Citizens Financial Group (CFG) can be a risky proposition due to its volatile stock price. In recent days, the stock price has moved down significantly, making it difficult to determine whether it is a good time to invest in the company or not. Investors should consider the company’s financial statements, fundamentals, and overall performance when deciding whether or not to invest in CFG.
Additionally, they should assess the current market sentiment and evaluate the potential risks and rewards of investing in the company. Ultimately, investors must decide if CFG is a stock worth owning based on their own research and risk tolerance.
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