Citizens Financial Intrinsic Stock Value – Senior Citizens Urged to Exercise Caution When Choosing Between Small Savings and FDs: CITIZENS FINANCIAL

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CITIZENS FINANCIAL ($NYSE:CFG) is an American bank holding company based in Providence, Rhode Island. It is the parent company of Citizens Bank, N.A., a national banking association which provides consumer and business banking services, wealth management, mortgage services, and other financial products. Recently, CITIZENS FINANCIAL has been urging senior citizens to exercise caution when deciding between small savings and fixed deposits for their investments. With senior citizens being a large portion of CITIZENS FINANCIAL’s customer base, it is important for them to understand the risks and rewards associated with these different investment types.

Small savings offer more flexibility in terms of liquidity, but the returns tend to be lower than FDs. On the other hand, FDs offer higher returns but require a longer lock-in period. Therefore, senior citizens should carefully weigh all their options before investing their money.

Price History

On Thursday, CITIZENS FINANCIAL stock opened at $27.1 and closed at $26.1, down by 3.2% from last closing price of 26.9. Small savings instruments like Public Provident Fund (PPF) and Senior Citizen Savings Scheme (SCSS) offer much higher interest rates than FDs, however their returns are not as secure as FDs. CITIZENS FINANCIAL provides a wide range of banking products and services for senior citizens, including FDs, which are a safer investment option than small savings.

However, senior citizens need to be aware of the risks involved in investing in FDs and make sure to compare FD rates with others on the market before making their decision. They provide advice on financial planning and money management, helping customers make informed decisions about their investments. In conclusion, senior citizens should take into account the risks involved in investing in FDs and compare rates from different banks before making their decision. CITIZENS FINANCIAL offers reliable and secure products and services that can help customers choose the right investment option for their needs. Live Quote…

About the Company

Income Snapshot

Below shows the total revenue, net income and net margin for Citizens Financial. More…

Cash Flow Snapshot

Below shows the cash from operations, investing and financing for Citizens Financial. More…

Balance Sheet Snapshot

Below shows the total assets, liabilities and book value per share for Citizens Financial. More…

Key Ratios Snapshot

Some of the financial key ratios for Citizens Financial are shown below. More…

Analysis – Citizens Financial Intrinsic Stock Value

At GoodWhale, we have assessed the financial wellbeing of CITIZENS FINANCIAL and arrived at an intrinsic value of $43.7 for its shares. This valuation was calculated using our proprietary Valuation Line which takes into account various indicators to assign a true value to a company’s shares. Currently, CITIZENS FINANCIAL’s stock is trading at $26.1, which represents an undervaluation of 40.2%. This discrepancy may create an opportunity for investors to purchase a good stock at a lower price than its true worth, and potentially benefit from any upside if the share price returns to its intrinsic value. 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

Citizens Financial is a financial services company providing banking, mortgages, investments, and insurance products to individuals, families, and businesses. Investing in Citizens Financial can be a smart decision, as the company has performed well in the stock market and has a history of strong financial performance. Its stock price has increased steadily over the last several years and the company has maintained a dividend yield of more than 4%.

Additionally, Citizens Financial offers a wide variety of products and services, including credit cards, personal banking, and commercial banking. The company also offers competitive rates on its loans and savings accounts, as well as low investment fees. All in all, Citizens Financial provides investors with an attractive opportunity for growth potential.