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Citizens Financial Group, Inc (CFG) is a leading banks-regional business with stocks listed in the US. It opened the day at US$45.95 after a previous close of US$45.59. During the day the price has varied from a low of USD45.6701 to a high of USD46.36. The latest price was USD45.93 (25 minute delay). Citizens Financial Group is listed on the NYSE. All prices are listed in US Dollars.
How to buy shares in Citizens Financial Group
- Compare share trading platforms. To buy shares in a US company from Australia you'll need to find a trading platform that offers access to US stock markets. If you're just starting out, look for a platform with low brokerage and foreign exchange fees.
- Open and fund your brokerage account. Complete an application with your personal and financial details, like your ID and tax file number. Fund your account with a bank transfer, credit card or debit card.
- Search for Citizens Financial Group. Find the share by name or ticker symbol: CFG. Research its history to confirm it's a solid investment against your financial goals.
- Purchase now or later. Buy today with a market order or use a limit order to delay your purchase until Citizens Financial Group reaches your desired price. To spread out your risk, look into dollar-cost averaging, which smooths out buying at consistent intervals and amounts.
- Decide on how many to buy. At last close price of US$50.3, weigh your budget against a diversified portfolio that can minimise risk through the market's ups and downs. You may be able to buy a fractional share of Citizens Financial Group, depending on your broker.
- Check in on your investment. Congratulations, you own a part of Citizens Financial Group. Optimise your portfolio by tracking how your stock — and even the business — performs with an eye on the long term. You may be eligible for dividends and shareholder voting rights on directors and management that can affect your stock.
What's in this guide?
- Citizens Financial Group key stats
- Compare share trading platforms
- Is Citizens Financial Group stock a buy or sell?
- Citizens Financial Group performance over time
- Can I short Citizens Financial Group shares?
- Is Citizens Financial Group suitable for ethical investing?
- Are Citizens Financial Group shares over-valued?
- Citizens Financial Group's financials
- How volatile are Citizens Financial Group shares?
- Does Citizens Financial Group pay a dividend?
- Other common questions
Citizens Financial Group share priceUse our graph to track the performance of CFG stocks over time.
Citizens Financial Group shares at a glance
|52-week range||US$21.4593 - US$51.14|
|50-day moving average||US$48.8362|
|200-day moving average||US$42.7168|
|Dividend yield||US$1.56 (3.27%)|
|Earnings per share (TTM)||US$3.562|
Compare share trading platforms to buy stock
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Is it a good time to buy Citizens Financial Group stock?
The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.
Citizens Financial Group price performance over time
|1 week (2021-06-17)||1.46%|
|1 month (2021-05-24)||-6.87%|
|3 months (2021-03-24)||8.74%|
|6 months (2020-12-23)||29.89%|
|1 year (2020-06-23)||78.02%|
|2 years (2019-06-21)||32.02%|
|3 years (2018-06-22)||11.53%|
|5 years (2016-06-23)||107.64%|
Is Citizens Financial Group under- or over-valued?
Valuing Citizens Financial Group stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Citizens Financial Group's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.
Citizens Financial Group's P/E ratio
Citizens Financial Group's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 13x. In other words, Citizens Financial Group shares trade at around 13x recent earnings.
That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.
Citizens Financial Group's PEG ratio
Citizens Financial Group's "price/earnings-to-growth ratio" can be calculated by dividing its P/E ratio by its growth – to give 0.94. A low ratio can be interpreted as meaning the shares offer better value, while a higher ratio can be interpreted as meaning the shares offer worse value.
The PEG ratio provides a broader view than just the P/E ratio, as it gives more insight into Citizens Financial Group's future profitability. By accounting for growth, it could also help you if you're comparing the share prices of multiple high-growth companies.
Citizens Financial Group financials
|Revenue TTM||US$6 billion|
|Operating margin TTM||33.73%|
|Gross profit TTM||US$5.3 billion|
|Return on assets TTM||0.9%|
|Return on equity TTM||7.33%|
|Market capitalisation||US$20.4 billion|
TTM: trailing 12 months
Shorting Citizens Financial Group shares
There are currently 6.2 million Citizens Financial Group shares held short by investors – that's known as Citizens Financial Group's "short interest". This figure is 6.7% down from 6.7 million last month.
There are a few different ways that this level of interest in shorting Citizens Financial Group shares can be evaluated.
Citizens Financial Group's "short interest ratio" (SIR)
Citizens Financial Group's "short interest ratio" (SIR) is the quantity of Citizens Financial Group shares currently shorted divided by the average quantity of Citizens Financial Group shares traded daily (recently around 3.6 million). Citizens Financial Group's SIR currently stands at 1.71. In other words for every 100,000 Citizens Financial Group shares traded daily on the market, roughly 1710 shares are currently held short.
However Citizens Financial Group's short interest can also be evaluated against the total number of Citizens Financial Group shares, or, against the total number of tradable Citizens Financial Group shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case Citizens Financial Group's short interest could be expressed as 0.01% of the outstanding shares (for every 100,000 Citizens Financial Group shares in existence, roughly 10 shares are currently held short) or 0.0147% of the tradable shares (for every 100,000 tradable Citizens Financial Group shares, roughly 15 shares are currently held short).
Such a low SIR usually points to an optimistic outlook for the share price, with fewer people currently willing to bet against Citizens Financial Group.
Find out more about how you can short Citizens Financial Group stock.
Citizens Financial Group's environmental, social and governance track record
Environmental, social and governance (known as ESG) criteria are a set of three factors used to measure the sustainability and social impact of companies like Citizens Financial Group.
When it comes to ESG scores, lower is better, and lower scores are generally associated with lower risk for would-be investors.
Citizens Financial Group's total ESG risk score
Total ESG risk: 30.85
Socially conscious investors use ESG scores to screen how an investment aligns with their worldview, and Citizens Financial Group's overall score of 30.85 (as at 12/31/2018) is nothing to write home about – landing it in it in the 48th percentile of companies rated in the same sector.
ESG scores are increasingly used to estimate the level of risk a company like Citizens Financial Group is exposed to within the areas of "environmental" (carbon footprint, resource use etc.), "social" (health and safety, human rights etc.), and "governance" (anti-corruption, tax transparency etc.).
Citizens Financial Group's environmental score
Environmental score: 5.37/100
Citizens Financial Group's environmental score of 5.37 puts it squarely in the 7th percentile of companies rated in the same sector. This could suggest that Citizens Financial Group is a leader in its sector terms of its environmental impact, and exposed to a lower level of risk.
Citizens Financial Group's social score
Social score: 16.57/100
Citizens Financial Group's social score of 16.57 puts it squarely in the 7th percentile of companies rated in the same sector. This could suggest that Citizens Financial Group is a leader in its sector when it comes to taking good care of its workforce and the communities it impacts.
Citizens Financial Group's governance score
Governance score: 17.91/100
Citizens Financial Group's governance score puts it squarely in the 7th percentile of companies rated in the same sector. That could suggest that Citizens Financial Group is a leader in its sector when it comes to responsible management and strategy, and exposed to a lower level of risk.
Citizens Financial Group's controversy score
Controversy score: 2/5
ESG scores also evaluate any incidences of controversy that a company has been involved in. Citizens Financial Group scored a 2 out of 5 for controversy – the second-highest score possible, reflecting that Citizens Financial Group has, for the most part, managed to keep its nose clean.
Environmental, social, and governance (ESG) summary
|Total ESG score||30.85|
|Total ESG percentile||48.12|
|Environmental score percentile||7|
|Social score percentile||7|
|Governance score percentile||7|
|Level of controversy||2|
Citizens Financial Group share dividends
Dividend payout ratio: 41.82% of net profits
Recently Citizens Financial Group has paid out, on average, around 41.82% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 3.27% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Citizens Financial Group shareholders could enjoy a 3.27% return on their shares, in the form of dividend payments. In Citizens Financial Group's case, that would currently equate to about $1.56 per share.
While Citizens Financial Group's payout ratio might seem fairly standard, it's worth remembering that Citizens Financial Group may be investing much of the rest of its net profits in future growth.
Citizens Financial Group's most recent dividend payout was on 12 May 2021. The latest dividend was paid out to all shareholders who bought their shares by 27 April 2021 (the "ex-dividend date").
Citizens Financial Group share price volatility
Over the last 12 months, Citizens Financial Group's shares have ranged in value from as little as US$21.4593 up to US$51.14. A popular way to gauge a stock's volatility is its "beta".
Beta is a measure of a share's volatility in relation to the market. The market (NYSE average) beta is 1, while Citizens Financial Group's is 1.7723. This would suggest that Citizens Financial Group's shares are more volatile than the average for this exchange and represent, relatively-speaking, a higher risk (but potentially also market-beating returns).
Citizens Financial Group overview
Citizens Financial Group, Inc. operates as the bank holding company for Citizens Bank, National Association 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 loan syndications, 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 2,700 ATMs and 1,000 branches 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 130 retail and commercial non-branch offices. 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.
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