Citizens Financial Intrinsic Value Calculator – Citizens Financial Group Stock Shines on Strong Trading Day
December 23, 2023
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Citizens Financial ($NYSE:CFG) Group Inc. is a financial services company headquartered in Providence, Rhode Island. Citizens Financial Group Inc. offers a range of retail and commercial banking products and services in the United States. It provides retail banking services, such as checking and savings accounts, home equity loans, mortgage loans, and credit cards. It also offers commercial banking services, including commercial and industrial loans, commercial real estate loans, asset-based lending, and capital markets services.
Investors were clearly pleased with the stock performance of Citizens Financial Group Inc., as trading volumes were higher than normal. Analysts are optimistic that the company will continue to perform well in the future, as it has made significant progress in expanding its customer base and growing its revenue stream. As the company continues to grow and expand its offerings to customers, analysts expect that the stock will continue to perform well in the future.
Share Price
On Friday, Citizens Financial Group Inc. Stock had a strong trading day, opening at $33.1 and closing at the same price, up 0.5% from its last closing price of $32.9. This increase is indicative of a strong performance for Citizens Financial Group Inc., as the stock market performed generally well on the day. This increase in the stock price further demonstrates the confidence that the market has in the company’s ability to perform in the long-term despite the current economic uncertainty. 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 |
| – | 1.95k | – |
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 |
| 225.27k | 202.39k | – |
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 Value Calculator
At GoodWhale, we have taken a comprehensive look at the fundamentals of CITIZENS FINANCIAL, and our analysis has resulted in a fair value estimate of $44.4 for their stock. Our proprietary Valuation Line has been used to calculate this estimate. Currently, CITIZENS FINANCIAL stock is being traded at $33.1, meaning the stock is currently undervalued by 25.4%. We believe there is potential for investors to take advantage of this discount and acquire CITIZENS FINANCIAL at a bargain price. 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 Group Inc. has seen strong performance on the trading day, outperforming its competitors. Investors have been drawn to the company due to its consistent financial results and outlook for growth. The stock has seen an increase in price over the last few months, and analysts expect to see further gains in the coming months. Analysts cite the company’s strong balance sheet, low cost of capital and attractive dividend yield as factors that make it an attractive investment.
Furthermore, management has a sound strategy in place, with a focus on cost control, digital transformation, and expanding the footprint of services offered. With all this in mind, analysts are confident in the company’s potential and recommend investors consider adding it to their portfolios.
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