Citizens Financial Group, Inc. operates as the bank holding company for Citizens Bank, National Association and Citizens Bank of Pennsylvania that provides retail and commercial banking products and services in the United States.
Flawless balance sheet and fair value.
Share Price & News
How has Citizens Financial Group's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: 0HYP has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: 0HYP exceeded the UK Banks industry which returned -6% over the past year.
Return vs Market: 0HYP exceeded the UK Market which returned 7.1% over the past year.
Price Volatility Vs. Market
How volatile is Citizens Financial Group's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is Citizens Financial Group undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: 0HYP ($41.89) is trading below our estimate of fair value ($75.08)
Significantly Below Fair Value: 0HYP is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: 0HYP is poor value based on its PE Ratio (10.2x) compared to the Banks industry average (9.2x).
PE vs Market: 0HYP is good value based on its PE Ratio (10.2x) compared to the UK market (18.5x).
Price to Earnings Growth Ratio
PEG Ratio: 0HYP's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: 0HYP is overvalued based on its PB Ratio (0.8x) compared to the GB Banks industry average (0.6x).
How is Citizens Financial Group forecast to perform in the next 1 to 3 years based on estimates from 16 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: 0HYP's earnings are forecast to decline over the next 3 years (-0.5% per year).
Earnings vs Market: 0HYP's earnings are forecast to decline over the next 3 years (-0.5% per year).
High Growth Earnings: 0HYP's earnings are forecast to decline over the next 3 years.
Revenue vs Market: 0HYP's revenue (5.5% per year) is forecast to grow faster than the UK market (3.5% per year).
High Growth Revenue: 0HYP's revenue (5.5% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: 0HYP's Return on Equity is forecast to be low in 3 years time (8.2%).
How has Citizens Financial Group performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: 0HYP has high quality earnings.
Growing Profit Margin: 0HYP's current net profit margins (28.2%) are lower than last year (29.2%).
Past Earnings Growth Analysis
Earnings Trend: 0HYP's earnings have grown by 19.2% per year over the past 5 years.
Accelerating Growth: 0HYP's earnings growth over the past year (1.5%) is below its 5-year average (19.2% per year).
Earnings vs Industry: 0HYP earnings growth over the past year (1.5%) underperformed the Banks industry 28.3%.
Return on Equity
High ROE: 0HYP's Return on Equity (8.1%) is considered low.
Return on Assets
Return on Capital Employed
How is Citizens Financial Group's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Inventory Level: 0HYP has a low level of unsold assets or inventory.
Debt Coverage by Assets: 0HYP's debt is not covered by short term assets (assets are 0.6x debt).
Financial Institutions Analysis
Asset Level: 0HYP's level of assets compared to its equity is low.
Allowance for Bad Loans: 0HYP has a sufficient allowance for bad loans.
Low Risk Liabilities: 0HYP's liabilities are made up of primarily low risk sources of funding.
Loan Level: 0HYP has an acceptable proportion of non-loan assets held.
Low Risk Deposits: 0HYP's loans are broadly funded by customer deposits.
Level of Bad Loans: 0HYP has an appropriate level of bad loans (0.59%)
What is Citizens Financial Group's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Current dividend yield vs market & industry
Notable Dividend: 0HYP's dividend (4.02%) is higher than the bottom 25% of dividend payers in the UK market (1.79%).
High Dividend: 0HYP's dividend (4.02%) is low compared to the top 25% of dividend payers in the UK market (5.09%).
Stability and Growth of Payments
Stable Dividend: Whilst dividend payments have been stable, 0HYP has been paying a dividend for less than 10 years.
Growing Dividend: 0HYP's dividend payments have increased, but the company has only paid a dividend for 5 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (35.6%), 0HYP's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: 0HYP's dividends in 3 years are forecast to be well covered by earnings (39% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Bruce Van Saun (62yo)
Mr. Bruce Winfield Van Saun has been an Independent Director of Moody's Corporation since March 01, 2016. He has been the Chairman and Chief Executive Officer of Citizens Financial Group, Inc. since Octobe ...
CEO Compensation Analysis
Compensation vs Market: Bruce's total compensation ($USD9.41M) is above average for companies of similar size in the UK market ($USD4.68M).
Compensation vs Earnings: Bruce's compensation has been consistent with company performance over the past year.
|Vice Chairman & CFO||1yrs||US$3.55m||0.024% $4.0m|
|Vice Chairman & Head of Commercial Banking Division||4.5yrs||US$3.93m||0.045% $7.6m|
|Chief Risk Officer & Executive VP||5.2yrs||US$2.18m||0.018% $3.0m|
|Executive VP||1.5yrs||no data||0.0031% $525.7k|
|Executive VP and Head of Corporate Finance & Capital Markets for Citizens Commercial Banking||1.5yrs||no data||no data|
|Group Chief Information Officer||1.1yrs||no data||no data|
|Head of Investor Relations||0yrs||no data||no data|
|Chief Legal Officer||0yrs||US$2.02m||0.022% $3.7m|
|Executive VP and Chief Compliance & Ethics Officer||3.3yrs||no data||no data|
Experienced Management: 0HYP's management team is considered experienced (3.1 years average tenure).
|Vice Chairman & CFO||1yrs||US$3.55m||0.024% $4.0m|
|Independent Director||15.4yrs||US$251.00k||0.016% $2.7m|
|Independent Director||5.5yrs||US$226.00k||0.0018% $293.9k|
|Independent Director||13.3yrs||US$221.00k||0.0047% $796.2k|
|Independent Director||8.8yrs||US$211.00k||0.0017% $292.3k|
|Independent Director||10.7yrs||US$221.00k||0.0034% $564.4k|
|Independent Director||5.7yrs||US$216.00k||0.0022% $377.9k|
|Lead Director||1.1yrs||US$236.00k||0.0066% $1.1m|
|Independent Director||9.3yrs||US$261.00k||0.0013% $215.0k|
Experienced Board: 0HYP's board of directors are considered experienced (7.5 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Citizens Financial Group, Inc.'s company bio, employee growth, exchange listings and data sources
- Name: Citizens Financial Group, Inc.
- Ticker: 0HYP
- Exchange: LSE
- Founded: 1828
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$16.796b
- Shares outstanding: 433.12m
- Website: https://www.citizensbank.com
Number of Employees
- Citizens Financial Group, Inc.
- One Citizens Plaza
- Rhode Island
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|CFG||NYSE (New York Stock Exchange)||Yes||Common Stock||US||USD||Sep 2014|
|1C5||DB (Deutsche Boerse AG)||Yes||Common Stock||DE||EUR||Sep 2014|
|0HYP||LSE (London Stock Exchange)||Yes||Common Stock||GB||USD||Sep 2014|
|CFG.PRD||NYSE (New York Stock Exchange)||6.350% DEP PFD D||US||USD||Jan 2019|
|CFG.PRE||NYSE (New York Stock Exchange)||5% DP RP PFD E||US||USD||Oct 2019|
|C1FG34||BOVESPA (Bolsa de Valores de Sao Paulo)||BDR EACH REPR 1 COM||BR||BRL||Dec 2019|
Citizens Financial Group, Inc. operates as the bank holding company for Citizens Bank, National Association and Citizens Bank of Pennsylvania that provides retail and commercial banking products and services in the United States. The company operates in two segments, Consumer Banking and Commercial Banking. The Consumer Banking segment offers traditional banking products and services, including checking and savings accounts, home and education loans, credit cards, business loans, mortgage and home equity lending, and unsecured product finance and personal loans, as well as wealth management and investment services to retail customers and small businesses. This segment also provides indirect auto finance for new and used vehicles through auto dealerships. The Commercial Banking segment offers various financial products and solutions, such as loans and leasing, trade finance, deposit and treasury management, cash management, and foreign exchange and interest rate risk management solutions; and corporate finance, merger and acquisition, and debt and equity capital markets capabilities. It serves government banking, not-for-profit, healthcare, technology, professionals, oil and gas, asset finance, franchise finance, asset-based lending, commercial real estate, private equity, and sponsor finance industries. Citizens Financial Group, Inc. operates approximately 1,100 branches and 2,900 ATMs in 11 states in the New England, Mid-Atlantic, and Midwest regions, as well as through online, telephone, and mobile banking services; and maintains approximately 140 retail and commercial non-branch offices in its banking footprint and in other states, and the District of Columbia. The company was formerly known as RBS Citizens Financial Group, Inc. and changed its name to Citizens Financial Group, Inc. in April 2014. Citizens Financial Group, Inc. was founded in 1828 and is headquartered in Providence, Rhode Island.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/02/20 23:39|
|End of Day Share Price||2020/02/18 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.