(CFG) Citizens Financial - Ratings and Ratios

Citizens Financial Group, Inc. (NYSE:CFG) is a bank holding company that provides a wide range of retail and commercial banking services. The company serves individuals, small businesses, middle-market companies, large corporations, and institutions across the United States. Established in 1828 and headquartered in Providence, Rhode Island, CFG operates through two primary segments: Consumer Banking and Commercial Banking. The company rebranded from RBS Citizens Financial Group, Inc. to its current name in April 2014 following its separation from RBS Group. CFG is one of the oldest financial institutions in the U.S., with a long history of serving its communities through various economic cycles.

The Consumer Banking segment offers deposit products, mortgage and home equity lending, credit cards, business loans, wealth management, investment services, education loans, and point-of-sale financing. Additionally, it provides digital deposit products and services through telephone service centers, online platforms, and mobile banking. This segment focuses on delivering personalized financial solutions to individuals and small businesses, emphasizing convenience and accessibility through its digital channels.

The Commercial Banking segment provides lending and leasing solutions, deposit and treasury management services, foreign exchange, interest rate and commodity risk management, syndicated loans, corporate finance, mergers and acquisitions, and debt and equity capital markets services. This segment caters to various industries, including multi-family housing, office, industrial, retail, healthcare, and hospitality sectors. By offering tailored financial products and solutions, CFG supports the growth and operational needs of its commercial clients.

Citizens Financial Group, Inc. operates a substantial network of branches and ATMs across its footprint, which includes New England, the Mid-Atlantic, and the Midwest. The company has consistently focused on expanding its market presence through strategic acquisitions and organic growth. Its commitment to innovation and customer-centric banking has positioned it as a competitive player in the U.S. banking sector.

Based on the provided data, here is a 3-month forecast for CFG:

From a technical perspective, CFGs stock is currently trading below its 20-day, 50-day, and 200-day moving averages (35.82 vs. 37.44, 41.12, and 42.17, respectively), indicating bearish momentum. The average true range (ATR) of 1.74 suggests moderate volatility, with potential price swings of $1.74 over the next trading sessions. If the stock fails to reclaim its SMA20 at 37.44, it may face further downside pressure, potentially testing the $34-$35 support zone. Conversely, a break above 37.44 could signal a near-term reversal, with resistance levels at 41.12 (SMA50) and 42.17 (SMA200).

On the fundamental side, CFGs forward P/E of 9.27 indicates that the market expects earnings growth, potentially driving the stock higher in the coming months. The current P/B ratio of 0.68 suggests that the stock may be undervalued relative to its book value, which could attract value investors. However, the P/S ratio of 2.18 is slightly above historical averages for regional banks, which may indicate elevated valuations relative to sales. With an RoE of 6.22%, the company demonstrates moderate profitability, though it lags behind some peers in the regional banking sector. Overall, CFGs fundamentals suggest a stable but unremarkable outlook, with potential upside driven by earnings growth and multiple expansion.