Citizens Financial Group is a bank holding company headquartered in Providence, Rhode Island. Its two primary business segments are consumer banking and commercial banking. Citizens offers a mix of retail and commercial products including capital markets and wealth options. The bank has over 1,100 branches in 14 states, although it is concentrated in the Northeast. It has over $220 billion of total assets. It generates maximum revenue from Consumer Banking Segment.

Financial Strength

4/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	0.87
Equity-to-Asset	0.11
Debt-to-Equity	0.58
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	5/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-3.37	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

5/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	2.3
	3-Year EPS without NRI Growth Rate	17.2
	3-Year Book Growth Rate	-0.4
	Future 3-5Y Total Revenue Growth Rate	3.28

Momentum Rank

9/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	74.71
	9-Day RSI	65.85
	14-Day RSI	60.26
	6-1 Month Momentum %	3.25
	12-1 Month Momentum %	35.07

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	4.66
	Dividend Payout Ratio	0.47
	3-Year Dividend Growth Rate	2.5
	Forward Dividend Yield %	4.66
	5-Year Yield-on-Cost %	7.37
	3-Year Average Share Buyback Ratio	-3
	Shareholder Yield %	24.75

Profitability Rank

5/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	17.77
	FCF Margin %	27.71
	ROE %	6.02
	ROA %	0.64
	Years of Profitability over Past 10-Year	10

GF Value Rank

7/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	13.05
	Forward PE Ratio	11.03
	PE Ratio without NRI	10.09
	Shiller PE Ratio	9.94
	Price-to-Owner-Earnings	14.6
	PEG Ratio	10.09
	PS Ratio	2.11
	PB Ratio	0.76
	Price-to-Tangible-Book	1.23
	Price-to-Free-Cash-Flow	7.57
	Price-to-Operating-Cash-Flow	7.16
	EV-to-Revenue	2.51
	EV-to-Forward-Revenue	4.12
	EV-to-FCF	9.07
	Price-to-Projected-FCF	0.43
	Price-to-DCF (Earnings Based)	0.45
	Price-to-DCF (FCF Based)	0.66
	Price-to-Median-PS-Value	0.77
	Price-to-Graham-Number	0.74
	FCF Yield %	13.61
	Forward Rate of Return (Yacktman) %	12.48

GF Value: $40.81

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