Citizens Financial Group Stock Buy Hold or Sell Recommendation
| CFG Stock | USD 36.57 0.08 0.22% |
Considering the 90-day investment horizon and your above-average risk tolerance, our recommendation regarding Citizens Financial Group is 'Strong Buy'. Macroaxis provides Citizens Financial buy-hold-or-sell recommendation only in the context of selected investment horizon and investor attitude towards risk assumed by holding CFG positions. The advice algorithm takes into account all of Citizens Financial's available fundamental, technical, and predictive indicators you will find on this site. Key drivers impacting Citizens Financial's buy or sell advice are summarized below:
Real Value 34.79 | Target Price 31.68 | Hype Value 36.52 | Market Value 36.57 | Naive Value 36.05 |
A buy or sell recommendation provided by Macroaxis is an automated directive regarding whether to purchase or sell Citizens Financial Group given historical horizon and risk tolerance towards Citizens Financial. When Macroaxis issues a 'buy' or 'sell' recommendation for Citizens Financial Group, the advice is generated through an automated system that utilizes algorithms and statistical models.
Citizens |
Execute Citizens Financial Buy or Sell Advice
The Citizens recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on Citizens Financial Group. Macroaxis does not own or have any residual interests in Citizens Financial Group or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute Citizens Financial's advice using the current market data and latest reported fundamentals.
Time Horizon
Risk Tolerance
 |  |
Strong Buy
Market Performance | Good | Details | |
Volatility | Very steady | Details | |
Hype Condition | Low key | Details | |
Current Valuation | Overvalued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Responds to the market | Details | |
Investor Sentiment | Alarmed | Details | |
Analyst Consensus | Buy | Details | |
Financial Strenth (F Score) | Strong | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Citizens Financial Trading Alerts and Improvement Suggestions
| Citizens Financial has a strong financial position based on the latest SEC filings | |
| Over 96.0% of the company shares are held by institutions such as insurance companies | |
| On 15th of May 2024 Citizens Financial paid $ 0.42 per share dividend to its current shareholders | |
| Latest headline from finance.yahoo.com: Acquisition by Michael Ruttledge of 7998 shares of Citizens Financial subject to Rule 16b-3 |
Citizens Financial Returns Distribution Density
The distribution of Citizens Financial's historical returns is an attempt to chart the uncertainty of Citizens Financial's future price movements. The chart of the probability distribution of Citizens Financial daily returns describes the distribution of returns around its average expected value. We use Citizens Financial Group price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of Citizens Financial returns is essential to provide solid investment advice for Citizens Financial.
| Mean Return | 0.24 | Value At Risk | -2.34 | Potential Upside | 2.88 | Standard Deviation | 1.63 |
Return Density |
| Distribution |
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of Citizens Financial historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.
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 originates 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.
| Shares | First Trust Advisors L.p. | 2023-12-31 | 7.3 M | Lsv Asset Management | 2024-03-31 | 6.5 M | Wellington Management Company Llp | 2023-12-31 | 5.8 M | Royal Bank Of Canada | 2023-12-31 | 5.3 M | Millennium Management Llc | 2024-03-31 | 5 M | Goldman Sachs Group Inc | 2023-12-31 | 5 M | Jpmorgan Chase & Co | 2023-12-31 | 4.7 M | Northern Trust Corp | 2023-12-31 | 4.5 M | Bank Of America Corp | 2023-12-31 | 4.1 M | Blackrock Inc | 2023-12-31 | 55.8 M | Vanguard Group Inc | 2024-03-31 | 53.1 M |
Citizens Financial Cash Flow Accounts
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Change In Cash | (688M) | 9.3B | (3.6B) | 1.4B | 1.1B | 567.8M | |
| Free Cash Flow | 1.3B | (7M) | 2.2B | 4.0B | 2.8B | 1.9B | |
| Depreciation | 633M | 578M | 625M | 565M | 478M | 554.7M | |
| Other Non Cash Items | (307M) | 1.6B | 663M | 2.2B | 757M | 595.8M | |
| Capital Expenditures | 366M | 118M | 124M | 126M | 172M | 237.0M | |
| Net Income | 1.8B | 1.1B | 2.3B | 2.1B | 1.6B | 1.1B | |
| End Period Cash Flow | 3.4B | 12.7B | 9.2B | 10.5B | 11.6B | 6.3B | |
| Dividends Paid | 682M | 770M | 783M | 892M | (928M) | (881.6M) | |
| Investments | (3.5B) | (6.0B) | (8.8B) | (11.4B) | 5.2B | 5.5B | |
| Net Borrowings | (2.9B) | (5.7B) | (1.5B) | 4.8B | 4.3B | 4.6B | |
| Change To Netincome | 1.8B | 1.5B | 293M | 1.9B | 1.7B | 1.3B |
Citizens Financial Greeks
Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to Citizens Financial or Banks sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that Citizens Financial's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a Citizens stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α | Alpha over NYSE Composite | 0.13 | |
β | Beta against NYSE Composite | 1.50 | |
σ | Overall volatility | 1.64 | |
Ir | Information ratio | 0.10 |
Citizens Financial Volatility Alert
Citizens Financial Group has relatively low volatility with skewness of 0.35 and kurtosis of 0.69. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure Citizens Financial's stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact Citizens Financial's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.Citizens Financial Fundamentals Vs Peers
Comparing Citizens Financial's fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze Citizens Financial's direct or indirect competition across all of the common fundamentals between Citizens Financial and the related equities. This way, we can detect undervalued stocks with similar characteristics as Citizens Financial or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of Citizens Financial's fundamental indicators could also be used in its relative valuation, which is a method of valuing Citizens Financial by comparing valuation metrics with those of similar companies.
| Better Than Average | Worse Than Average | Compare Citizens Financial to competition |
| Fundamentals | Citizens Financial | Peer Average |
| Return On Equity | 0.0597 | -0.31 |
| Return On Asset | 0.0065 | -0.14 |
| Profit Margin | 0.19 % | (1.27) % |
| Operating Margin | 0.24 % | (5.51) % |
| Current Valuation | 21.98 B | 16.62 B |
| Shares Outstanding | 455.02 M | 571.82 M |
| Shares Owned By Insiders | 0.63 % | 10.09 % |
| Shares Owned By Institutions | 96.32 % | 39.21 % |
| Number Of Shares Shorted | 13.81 M | 4.71 M |
| Price To Earning | 11.73 X | 28.72 X |
| Price To Book | 0.68 X | 9.51 X |
| Price To Sales | 2.02 X | 11.42 X |
| Revenue | 8.22 B | 9.43 B |
| Gross Profit | 7.55 B | 27.38 B |
| EBITDA | 8.2 M | 3.9 B |
| Net Income | 1.61 B | 570.98 M |
| Cash And Equivalents | 9.77 B | 2.7 B |
| Cash Per Share | 19.71 X | 5.01 X |
| Total Debt | 13.97 B | 5.32 B |
| Debt To Equity | 6.04 % | 48.70 % |
| Book Value Per Share | 47.43 X | 1.93 K |
| Cash Flow From Operations | 2.96 B | 971.22 M |
| Short Ratio | 2.64 X | 4.00 X |
| Earnings Per Share | 2.78 X | 3.12 X |
| Price To Earnings To Growth | 0.26 X | 4.89 X |
| Target Price | 39.33 | |
| Number Of Employees | 17.35 K | 18.84 K |
| Beta | 1.35 | -0.15 |
| Market Capitalization | 16.91 B | 19.03 B |
| Total Asset | 221.96 B | 29.47 B |
| Retained Earnings | 9.82 B | 9.33 B |
| Annual Yield | 0.05 % | |
| Five Year Return | 3.60 % |
Note: Acquisition by Wendy Watson of 432 shares of Citizens Financial subject to Rule 16b-3 [view details]
Citizens Financial Market Momentum
Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as Citizens . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.
| Accumulation Distribution | 68495.25 | |||
| Daily Balance Of Power | 0.1739 | |||
| Rate Of Daily Change | 1.0 | |||
| Day Median Price | 36.63 | |||
| Day Typical Price | 36.61 | |||
| Price Action Indicator | (0.02) | |||
| Period Momentum Indicator | 0.08 |
About Citizens Financial Buy or Sell Advice
When is the right time to buy or sell Citizens Financial Group? Buying financial instruments such as Citizens Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.| 2021 | 2022 | 2023 | 2024 (projected) | Short and Long Term Debt Total | 7.0B | 15.9B | 14.0B | 12.2B | Total Assets | 188.4B | 226.7B | 222.0B | 180.5B |
Use Investing Ideas to Build Portfolios
In addition to having Citizens Financial in your portfolios, you can quickly 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 investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.Did You Try This Idea?
Run Oil And Gas Thematic Idea Now
Oil And Gas
Companies involved in drilling, production, and distribution of oil and gas pipelines. The Oil And Gas theme has 39 constituents at this time.
You can either use a buy-and-hold strategy to lock in the entire theme or actively trade it to take advantage of the short-term price volatility of individual constituents. Macroaxis can help you discover thousands of investment opportunities in different asset classes. In addition, you can partner with us for reliable portfolio optimization as you plan to utilize Oil And Gas Theme or any other thematic opportunities.
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Check out Citizens Financial Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. 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 the Price Transformation module to use Price Transformation models to analyze the depth of different equity instruments across global markets.
Complementary Tools for Citizens Stock analysis
When running Citizens Financial's price analysis, check to measure Citizens Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Citizens Financial is operating at the current time. Most of Citizens Financial's value examination focuses on studying past and present price action to predict the probability of Citizens Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Citizens Financial's price. Additionally, you may evaluate how the addition of Citizens Financial to your portfolios can decrease your overall portfolio volatility.
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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.
Quarterly Earnings Growth (0.35) | Dividend Share 1.68 | Earnings Share 2.78 | Revenue Per Share 15.701 | Quarterly Revenue Growth (0.09) |
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 if Citizens Financial is a good investment 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.