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Citizens Financial Group Inc
Buy, Hold or Sell?

Let's analyse Citizens Financial Group Inc together

PenkeI guess you are interested in Citizens Financial Group Inc. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Citizens Financial Group Inc. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

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Quick analysis of Citizens Financial Group Inc (30 sec.)










What can you expect buying and holding a share of Citizens Financial Group Inc? (30 sec.)

How much money do you get?

How much money do you get?
€1.94
When do you have the money?
1 year
How often do you get paid?
100.0%

What is your share worth?

Current worth
€48.25
Expected worth in 1 year
€52.01
How sure are you?
76.5%

+ What do you gain per year?

Total Gains per Share
€5.56
Return On Investment
17.3%

For what price can you sell your share?

Current Price per Share
€32.12
Expected price per share
€30.36 - €33.22
How sure are you?
50%

1. Valuation of Citizens Financial Group Inc (5 min.)




Live pricePrice per Share (EOD)

€32.12

Intrinsic Value Per Share

€30.99 - €34.78

Total Value Per Share

€79.24 - €83.03

2. Growth of Citizens Financial Group Inc (5 min.)




Is Citizens Financial Group Inc growing?

Current yearPrevious yearGrowGrow %
How rich?$24.3b$23.3b$442m1.9%

How much money is Citizens Financial Group Inc making?

Current yearPrevious yearGrowGrow %
Making money$402m$518.2m-$116.2m-28.9%
Net Profit Margin19.4%25.7%--

How much money comes from the company's main activities?

3. Financial Health of Citizens Financial Group Inc (5 min.)




4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

What can you expect buying and holding a share of Citizens Financial Group Inc? (5 min.)

Welcome investor! Citizens Financial Group Inc's management wants to use your money to grow the business. In return you get a share of Citizens Financial Group Inc.

What can you expect buying and holding a share of Citizens Financial Group Inc?

First you should know what it really means to hold a share of Citizens Financial Group Inc. And how you can make/lose money.

Speculation

The Price per Share of Citizens Financial Group Inc is €32.12. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Citizens Financial Group Inc.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Citizens Financial Group Inc, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is €48.25. Based on the TTM, the Book Value Change Per Share is €0.94 per quarter. Based on the YOY, the Book Value Change Per Share is €-0.69 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is €0.45 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Citizens Financial Group Inc.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 % of Price per Share% of Price per Share% of Price per Share% of Price per Share% of Price per Share
Usd Eps0.411.3%0.782.4%1.013.1%0.882.7%0.882.7%
Usd Book Value Change Per Share3.129.7%1.023.2%-0.74-2.3%3.079.6%3.079.6%
Usd Dividend Per Share0.491.5%0.491.5%0.461.4%0.441.4%0.441.4%
Usd Total Gains Per Share3.6111.2%1.504.7%-0.28-0.9%3.5110.9%3.5110.9%
Usd Price Per Share32.75-28.96-39.86-34.28-34.28-
Price to Earnings Ratio20.21-10.81-10.60-20.27-20.27-
Price-to-Total Gains Ratio9.07--11.62-2.62-11.81-11.81-
Price to Book Ratio0.63-0.58-0.83-0.69-0.69-
Price-to-Total Gains Ratio9.07--11.62-2.62-11.81-11.81-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share34.744204
Number of shares28
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.490.44
Usd Book Value Change Per Share1.023.07
Usd Total Gains Per Share1.503.51
Gains per Quarter (28 shares)42.0898.40
Gains per Year (28 shares)168.30393.58
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
15411415850344384
210922832699688778
316334249414910321172
421845566219913751566
527256983024917191960
632768399829820632354
7381797116634824072748
8436911133439827513142
94901025150244830953536
105441139167049734383930

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share4.00.00.0100.0%12.00.00.0100.0%17.00.00.0100.0%17.00.00.0100.0%17.00.00.0100.0%
Book Value Change Per Share2.02.00.050.0%6.06.00.050.0%10.07.00.058.8%10.07.00.058.8%10.07.00.058.8%
Dividend per Share4.00.00.0100.0%12.00.00.0100.0%17.00.00.0100.0%17.00.00.0100.0%17.00.00.0100.0%
Total Gains per Share3.01.00.075.0%9.03.00.075.0%13.04.00.076.5%13.04.00.076.5%13.04.00.076.5%

Fundamentals of Citizens Financial Group Inc

About Citizens Financial Group Inc

Citizens Financial Group, Inc. operates as the bank holding company that provides retail and commercial banking products and services to individuals, small businesses, middle-market companies, corporations, and institutions in the United States. The company operates in two segments, Consumer Banking and Commercial Banking. The Consumer Banking segment offers deposit products, mortgage and home equity lending products, credit cards, business loans, wealth management, and investment services; and auto, education, and point-of-sale finance loans, as well as digital deposit products. This segment serves its customers through telephone service centers, as well as through its online and mobile platforms. The Commercial Banking segment provides various financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange, and interest rate and commodity risk management solutions, as well as syndicated loans, corporate finance, mergers and acquisitions, and debt and equity capital markets services. This segment serves corporate banking, healthcare, technology, asset finance, franchise finance, leasing, asset-based lending, commercial real estate, mid-corporate, and private equity sponsor industries. 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.

Fundamental data was last updated by Penke on 2024-03-27 12:41:02.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
Liquidity Details
 Compared to previous yearCompared to industry
The company is unable to pay all its short-term debts.
The company is just not able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is cheap.
Based on the earnings, the company is underpriced.
Based on how much money comes from the company's main activities, the company is cheap.

1.1. Profitability of Citizens Financial Group Inc.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit Citizens Financial Group Inc earns for each €1 of revenue.

  • Above 10% is considered healthy but always compare Citizens Financial Group Inc to the Banks - Regional industry mean.
  • A Net Profit Margin of 9.5% means that €0.10 for each €1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Citizens Financial Group Inc:

  • The MRQ is 9.5%. The company is making a profit. +1
  • The TTM is 19.4%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ9.5%TTM19.4%-9.9%
TTM19.4%YOY25.7%-6.2%
TTM19.4%5Y24.5%-5.1%
5Y24.5%10Y24.5%0.0%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ9.5%18.4%-8.9%
TTM19.4%28.0%-8.6%
YOY25.7%25.2%+0.5%
5Y24.5%22.8%+1.7%
10Y24.5%19.8%+4.7%
1.1.2. Return on Assets

Shows how efficient Citizens Financial Group Inc is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Citizens Financial Group Inc to the Banks - Regional industry mean.
  • 0.1% Return on Assets means that Citizens Financial Group Inc generated €0.00 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Citizens Financial Group Inc:

  • The MRQ is 0.1%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.2%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.1%TTM0.2%-0.1%
TTM0.2%YOY0.2%-0.1%
TTM0.2%5Y0.2%0.0%
5Y0.2%10Y0.2%0.0%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.1%0.1%0.0%
TTM0.2%0.2%0.0%
YOY0.2%0.2%+0.0%
5Y0.2%0.2%+0.0%
10Y0.2%0.2%+0.0%
1.1.3. Return on Equity

Shows how efficient Citizens Financial Group Inc is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Citizens Financial Group Inc to the Banks - Regional industry mean.
  • 0.8% Return on Equity means Citizens Financial Group Inc generated €0.01 for each €1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Citizens Financial Group Inc:

  • The MRQ is 0.8%. Using its investors money, the company is inefficient in making profit. -1
  • The TTM is 1.7%. Using its investors money, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.8%TTM1.7%-0.9%
TTM1.7%YOY2.2%-0.5%
TTM1.7%5Y1.9%-0.2%
5Y1.9%10Y1.9%0.0%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.8%1.4%-0.6%
TTM1.7%2.5%-0.8%
YOY2.2%2.7%-0.5%
5Y1.9%2.5%-0.6%
10Y1.9%2.8%-0.9%

1.2. Operating Efficiency of Citizens Financial Group Inc.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient Citizens Financial Group Inc is operating .

  • Measures how much profit Citizens Financial Group Inc makes for each €1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Citizens Financial Group Inc to the Banks - Regional industry mean.
  • An Operating Margin of 0.0% means the company generated €0.00  for each €1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Citizens Financial Group Inc:

  • The MRQ is 0.0%. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.0%
TTM-YOY-0.0%
TTM-5Y-0.0%
5Y-10Y-0.0%
1.2.2. Operating Ratio

Measures how efficient Citizens Financial Group Inc is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • An Operation Ratio of 0.00 means that the operating costs are €0.00 for each €1 in net sales.

Let's take a look of the Operating Ratio trends of Citizens Financial Group Inc:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY-0.000
TTM-5Y-0.000
5Y-10Y-0.000

1.3. Liquidity of Citizens Financial Group Inc.

1.3. Liquidity
1.3.1. Current Ratio

Measures if Citizens Financial Group Inc is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
  • A Current Ratio of 0.00 means the company has €0.00 in assets for each €1 in short-term debts.

Let's take a look of the Current Ratio trends of Citizens Financial Group Inc:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM0.040-0.040
TTM0.040YOY0.075-0.035
TTM0.0405Y0.084-0.044
5Y0.08410Y0.0840.000
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
TTM0.0400.124-0.084
YOY0.0750.225-0.150
5Y0.0840.219-0.135
10Y0.0840.131-0.047
1.3.2. Quick Ratio

Measures if Citizens Financial Group Inc is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Citizens Financial Group Inc to the Banks - Regional industry mean.
  • A Quick Ratio of 0.00 means the company can pay off €0.00 for each €1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Citizens Financial Group Inc:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM0.069-0.069
TTM0.069YOY0.139-0.070
TTM0.0695Y0.134-0.066
5Y0.13410Y0.1340.000

1.4. Solvency of Citizens Financial Group Inc.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of Citizens Financial Group Inc assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Citizens Financial Group Inc to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.89 means that Citizens Financial Group Inc assets are financed with 89.0% credit (debt) and the remaining percentage (100% - 89.0%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Citizens Financial Group Inc:

  • The MRQ is 0.890. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.894. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.890TTM0.894-0.003
TTM0.894YOY0.893+0.001
TTM0.8945Y0.883+0.010
5Y0.88310Y0.8830.000
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.8900.915-0.025
TTM0.8940.917-0.023
YOY0.8930.919-0.026
5Y0.8830.919-0.036
10Y0.8830.927-0.044
1.4.2. Debt to Equity Ratio

Measures if Citizens Financial Group Inc is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Citizens Financial Group Inc to the Banks - Regional industry mean.
  • A Debt to Equity ratio of 811.9% means that company has €8.12 debt for each €1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Citizens Financial Group Inc:

  • The MRQ is 8.119. The company is unable to pay all its debts with equity. -1
  • The TTM is 8.402. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ8.119TTM8.402-0.283
TTM8.402YOY8.325+0.077
TTM8.4025Y7.634+0.768
5Y7.63410Y7.6340.000
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ8.11910.829-2.710
TTM8.40211.013-2.611
YOY8.32511.363-3.038
5Y7.63411.437-3.803
10Y7.63413.038-5.404

2. Market Valuation of Citizens Financial Group Inc

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every €1 in earnings Citizens Financial Group Inc generates.

  • Above 15 is considered overpriced but always compare Citizens Financial Group Inc to the Banks - Regional industry mean.
  • A PE ratio of 20.21 means the investor is paying €20.21 for every €1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Citizens Financial Group Inc:

  • The EOD is 21.435. Based on the earnings, the company is fair priced.
  • The MRQ is 20.207. Based on the earnings, the company is fair priced.
  • The TTM is 10.807. Based on the earnings, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD21.435MRQ20.207+1.228
MRQ20.207TTM10.807+9.400
TTM10.807YOY10.602+0.204
TTM10.8075Y20.267-9.460
5Y20.26710Y20.2670.000
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD21.4357.398+14.037
MRQ20.2076.680+13.527
TTM10.8075.295+5.512
YOY10.6026.943+3.659
5Y20.2679.770+10.497
10Y20.2679.943+10.324
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Citizens Financial Group Inc:

  • The EOD is 6.513. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The MRQ is 6.140. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The TTM is 12.049. Based on how much money comes from the company's main activities, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD6.513MRQ6.140+0.373
MRQ6.140TTM12.049-5.909
TTM12.049YOY1.486+10.563
TTM12.0495Y2.910+9.139
5Y2.91010Y2.9100.000
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD6.513-2.069+8.582
MRQ6.140-1.868+8.008
TTM12.049-0.342+12.391
YOY1.4866.448-4.962
5Y2.9100.429+2.481
10Y2.9100.091+2.819
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of Citizens Financial Group Inc is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • A PB ratio of 0.63 means the investor is paying €0.63 for each €1 in book value.

Let's take a look of the Price to Book Ratio trends of Citizens Financial Group Inc:

  • The EOD is 0.666. Based on the equity, the company is cheap. +2
  • The MRQ is 0.628. Based on the equity, the company is cheap. +2
  • The TTM is 0.576. Based on the equity, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD0.666MRQ0.628+0.038
MRQ0.628TTM0.576+0.052
TTM0.576YOY0.830-0.255
TTM0.5765Y0.694-0.119
5Y0.69410Y0.6940.000
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD0.6660.427+0.239
MRQ0.6280.386+0.242
TTM0.5760.470+0.106
YOY0.8300.642+0.188
5Y0.6940.795-0.101
10Y0.6941.025-0.331
2. Total Gains per Share

3. Summary

3.1. Key Performance Indicators

The key performance indicators of Citizens Financial Group Inc compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--2.8830.940+207%-0.686+124%2.838+2%2.838+2%
Book Value Per Share--48.24946.445+4%44.385+9%45.622+6%45.622+6%
Current Ratio---0.040-100%0.075-100%0.084-100%0.084-100%
Debt To Asset Ratio--0.8900.8940%0.8930%0.883+1%0.883+1%
Debt To Equity Ratio--8.1198.402-3%8.325-2%7.634+6%7.634+6%
Dividend Per Share--0.4560.449+1%0.424+7%0.411+11%0.411+11%
Eps--0.3750.720-48%0.931-60%0.813-54%0.813-54%
Free Cash Flow Per Share--1.2331.362-9%1.923-36%1.091+13%1.091+13%
Free Cash Flow To Equity Per Share---8.0180.568-1512%6.666-220%4.601-274%4.601-274%
Gross Profit Margin--1.0001.0000%1.0000%1.0000%1.0000%
Intrinsic Value_10Y_max--34.779--------
Intrinsic Value_10Y_min--30.991--------
Intrinsic Value_1Y_max--5.494--------
Intrinsic Value_1Y_min--5.398--------
Intrinsic Value_3Y_max--14.977--------
Intrinsic Value_3Y_min--14.329--------
Intrinsic Value_5Y_max--22.614--------
Intrinsic Value_5Y_min--21.121--------
Market Cap14723776136.960+4%14123138705.40012658941584.678+12%17846114334.400-21%14843709508.865-5%14843709508.865-5%
Net Profit Margin--0.0950.194-51%0.257-63%0.245-61%0.245-61%
Operating Margin----0%-0%-0%-0%
Operating Ratio----0%-0%-0%-0%
Pb Ratio0.666+6%0.6280.576+9%0.830-24%0.694-10%0.694-10%
Pe Ratio21.435+6%20.20710.807+87%10.602+91%20.2670%20.2670%
Price Per Share32.120+6%30.28026.773+13%36.850-18%31.694-4%31.694-4%
Price To Free Cash Flow Ratio6.513+6%6.14012.049-49%1.486+313%2.910+111%2.910+111%
Price To Total Gains Ratio9.621+6%9.070-11.618+228%2.616+247%11.806-23%11.806-23%
Quick Ratio---0.069-100%0.139-100%0.134-100%0.134-100%
Return On Assets--0.0010.002-53%0.002-64%0.002-62%0.002-62%
Return On Equity--0.0080.017-54%0.022-65%0.019-59%0.019-59%
Total Gains Per Share--3.3391.389+140%-0.262+108%3.249+3%3.249+3%
Usd Book Value--24342770424.30023752251734.975+2%23310237745.675+4%23097789845.441+5%23097789845.441+5%
Usd Book Value Change Per Share--3.1181.017+207%-0.742+124%3.070+2%3.070+2%
Usd Book Value Per Share--52.19150.239+4%48.012+9%49.349+6%49.349+6%
Usd Dividend Per Share--0.4930.486+1%0.459+7%0.444+11%0.444+11%
Usd Eps--0.4050.779-48%1.007-60%0.880-54%0.880-54%
Usd Free Cash Flow--622019686.300697272067.963-11%998281594.613-38%525075441.641+18%525075441.641+18%
Usd Free Cash Flow Per Share--1.3341.473-9%2.080-36%1.181+13%1.181+13%
Usd Free Cash Flow To Equity Per Share---8.6730.614-1512%7.210-220%4.976-274%4.976-274%
Usd Market Cap15926708647.350+4%15276999137.63113693177112.146+12%19304141875.521-21%16056440575.740-5%16056440575.740-5%
Usd Price Per Share34.744+6%32.75428.960+13%39.861-18%34.283-4%34.283-4%
Usd Profit--189005981.850402012723.300-53%518266402.613-64%441602211.562-57%441602211.562-57%
Usd Revenue--1988062920.2002056065072.400-3%2005313466.163-1%1808233699.374+10%1808233699.374+10%
Usd Total Gains Per Share--3.6111.503+140%-0.283+108%3.514+3%3.514+3%
 EOD+4 -4MRQTTM+16 -17YOY+14 -195Y+16 -1710Y+16 -17

3.2. Fundamental Score

Let's check the fundamental score of Citizens Financial Group Inc based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1521.435
Price to Book Ratio (EOD)Between0-10.666
Net Profit Margin (MRQ)Greater than00.095
Operating Margin (MRQ)Greater than00.000
Quick Ratio (MRQ)Greater than10.000
Current Ratio (MRQ)Greater than10.000
Debt to Asset Ratio (MRQ)Less than10.890
Debt to Equity Ratio (MRQ)Less than18.119
Return on Equity (MRQ)Greater than0.150.008
Return on Assets (MRQ)Greater than0.050.001
Total3/10 (30.0%)

3.3. Technical Score

Let's check the technical score of Citizens Financial Group Inc based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5061.787
Ma 20Greater thanMa 5030.919
Ma 50Greater thanMa 10029.988
Ma 100Greater thanMa 20028.428
OpenGreater thanClose32.120
Total4/5 (80.0%)



Latest Balance Sheet

Balance Sheet of 2023-12-31. Currency in USD. All numbers in thousands.

Summary
Total Assets221,964,000
Total Liabilities197,622,000
Total Stockholder Equity24,342,000
 As reported
Total Liabilities 197,622,000
Total Stockholder Equity+ 24,342,000
Total Assets = 221,964,000

Assets

Total Assets221,964,000
Total Current Assets-
Long-term Assets-
Total Current Assets
Cash And Cash Equivalents 12,033,000
Short-term Investments 29,667,000
Total Current Assets  (as reported)0
Total Current Assets  (calculated)41,700,000
+/- 41,700,000
Long-term Assets
Property Plant Equipment 895,000
Goodwill 8,188,000
Long Term Investments 38,647,000
Intangible Assets 157,000
Long-term Assets  (as reported)0
Long-term Assets  (calculated)47,887,000
+/- 47,887,000

Liabilities & Shareholders' Equity

Total Current Liabilities-
Long-term Liabilities-
Total Stockholder Equity24,342,000
Total Current Liabilities
Short Long Term Debt 505,000
Total Current Liabilities  (as reported)0
Total Current Liabilities  (calculated)505,000
+/- 505,000
Long-term Liabilities
Long-term Liabilities  (as reported)0
Long-term Liabilities  (calculated)0
+/-0
Total Stockholder Equity
Retained Earnings 9,816,000
Total Stockholder Equity (as reported)24,342,000
Total Stockholder Equity (calculated)9,816,000
+/- 14,526,000
Other
Capital Stock2,020,000
Common Stock Shares Outstanding 466,418
Net Debt 1,939,000
Net Invested Capital 36,300,000
Property Plant and Equipment Gross 1,708,000



Balance Sheet

Currency in USD. All numbers in thousands.

 Trend2023-12-312023-09-302023-06-302023-03-312022-12-312022-09-302022-06-302022-03-312021-12-312021-09-302021-06-302021-03-312020-12-312020-09-302020-06-302020-03-312019-12-31
> Total Assets 
165,733,000
176,719,000
179,874,000
179,228,000
183,349,000
187,217,000
185,104,000
187,007,000
188,409,000
192,097,000
226,712,000
224,684,000
226,733,000
222,256,000
223,066,000
225,270,000
221,964,000
221,964,000225,270,000223,066,000222,256,000226,733,000224,684,000226,712,000192,097,000188,409,000187,007,000185,104,000187,217,000183,349,000179,228,000179,874,000176,719,000165,733,000
   > Total Current Assets 
7,865,000
10,134,000
15,622,000
15,815,000
19,461,000
21,145,000
18,916,000
19,561,000
14,664,000
14,112,000
12,794,000
12,559,000
13,601,000
10,732,000
14,945,000
18,108,000
0
018,108,00014,945,00010,732,00013,601,00012,559,00012,794,00014,112,00014,664,00019,561,00018,916,00021,145,00019,461,00015,815,00015,622,00010,134,0007,865,000
       Cash And Cash Equivalents 
3,683,000
4,338,000
7,921,000
9,544,000
13,039,000
14,968,000
13,042,000
14,005,000
9,474,000
10,621,000
6,983,000
8,421,000
10,850,000
8,294,000
11,851,000
15,724,000
12,033,000
12,033,00015,724,00011,851,0008,294,00010,850,0008,421,0006,983,00010,621,0009,474,00014,005,00013,042,00014,968,00013,039,0009,544,0007,921,0004,338,0003,683,000
       Short-term Investments 
20,613,000
22,307,000
22,144,000
22,884,000
22,942,000
24,467,000
24,583,000
24,911,000
26,067,000
25,319,000
24,961,000
23,478,000
24,007,000
23,845,000
24,755,000
25,069,000
29,667,000
29,667,00025,069,00024,755,00023,845,00024,007,00023,478,00024,961,00025,319,00026,067,00024,911,00024,583,00024,467,00022,942,00022,884,00022,144,00022,307,00020,613,000
       Net Receivables 
0
0
51,000
0
449,000
444,000
467,000
464,000
450,000
511,000
0
0
0
0
0
0
0
0000000511,000450,000464,000467,000444,000449,000051,00000
       Inventory 
45,000
0
0
0
19,000
18,000
22,000
21,000
22,000
0
15,000
16,000
0
14,000
0
15,000
0
015,000014,000016,00015,000022,00021,00022,00018,00019,00000045,000
   > Long-term Assets 00000000000000000
       Property Plant Equipment 
1,460,000
746,000
751,000
747,000
1,559,000
743,000
735,000
732,000
1,534,000
793,000
885,000
827,000
844,000
866,000
876,000
878,000
895,000
895,000878,000876,000866,000844,000827,000885,000793,0001,534,000732,000735,000743,0001,559,000747,000751,000746,0001,460,000
       Goodwill 
7,044,000
7,050,000
7,050,000
7,050,000
7,050,000
7,050,000
7,050,000
7,065,000
7,116,000
7,232,000
8,081,000
8,160,000
8,173,000
8,177,000
8,188,000
8,188,000
8,188,000
8,188,0008,188,0008,188,0008,177,0008,173,0008,160,0008,081,0007,232,0007,116,0007,065,0007,050,0007,050,0007,050,0007,050,0007,050,0007,050,0007,044,000
       Long Term Investments 
24,669,000
26,352,000
25,657,000
26,124,000
26,177,000
27,462,000
27,294,000
27,403,000
28,309,000
27,375,000
34,528,000
33,549,000
33,841,000
33,522,000
34,275,000
34,389,000
38,647,000
38,647,00034,389,00034,275,00033,522,00033,841,00033,549,00034,528,00027,375,00028,309,00027,403,00027,294,00027,462,00026,177,00026,124,00025,657,00026,352,00024,669,000
       Intangible Assets 
0
0
0
0
0
0
0
0
0
0
0
0
197,000
185,000
175,000
167,000
157,000
157,000167,000175,000185,000197,000000000000000
> Total Liabilities 
143,532,000
154,769,000
157,456,000
156,759,000
160,676,000
164,564,000
161,905,000
163,584,000
164,989,000
170,023,000
202,384,000
201,538,000
203,043,000
198,055,000
199,481,000
202,392,000
197,622,000
197,622,000202,392,000199,481,000198,055,000203,043,000201,538,000202,384,000170,023,000164,989,000163,584,000161,905,000164,564,000160,676,000156,759,000157,456,000154,769,000143,532,000
   > Total Current Liabilities 
128,357,000
136,271,000
144,979,000
145,378,000
149,037,000
152,880,000
152,607,000
154,343,000
156,806,000
160,354,000
184,609,000
181,802,000
183,590,000
174,916,000
0
180,538,000
0
0180,538,0000174,916,000183,590,000181,802,000184,609,000160,354,000156,806,000154,343,000152,607,000152,880,000149,037,000145,378,000144,979,000136,271,000128,357,000
       Short Long Term Debt 
9,000
1,357,000
552,000
252,000
243,000
70,000
62,000
8,000
74,000
25,000
3,763,000
263,000
3,000
1,018,000
1,099,000
232,000
505,000
505,000232,0001,099,0001,018,0003,000263,0003,763,00025,00074,0008,00062,00070,000243,000252,000552,0001,357,0009,000
       Accounts payable 
125,313,000
133,475,000
143,618,000
142,921,000
147,164,000
151,349,000
150,636,000
152,221,000
154,361,000
158,776,000
178,925,000
178,566,000
180,724,000
172,194,000
0
178,197,000
0
0178,197,0000172,194,000180,724,000178,566,000178,925,000158,776,000154,361,000152,221,000150,636,000151,349,000147,164,000142,921,000143,618,000133,475,000125,313,000
   > Long-term Liabilities 00000000000000000
> Total Stockholder Equity
22,201,000
21,950,000
22,418,000
22,469,000
22,673,000
22,653,000
23,199,000
23,423,000
23,420,000
22,074,000
24,328,000
23,146,000
23,690,000
24,201,000
23,585,000
22,878,000
24,342,000
24,342,00022,878,00023,585,00024,201,00023,690,00023,146,00024,328,00022,074,00023,420,00023,423,00023,199,00022,653,00022,673,00022,469,00022,418,00021,950,00022,201,000
   Common Stock
6,000
6,000
6,000
6,000
6,000
6,000
6,000
6,000
6,000
6,000
6,000
6,000
6,000
6,000
0
6,000
0
06,00006,0006,0006,0006,0006,0006,0006,0006,0006,0006,0006,0006,0006,0006,000
   Retained Earnings 
6,498,000
6,011,000
6,068,000
6,189,000
6,445,000
6,866,000
7,314,000
7,648,000
7,978,000
8,209,000
8,346,000
8,748,000
9,159,000
9,416,000
9,655,000
9,856,000
9,816,000
9,816,0009,856,0009,655,0009,416,0009,159,0008,748,0008,346,0008,209,0007,978,0007,648,0007,314,0006,866,0006,445,0006,189,0006,068,0006,011,0006,498,000
   Accumulated Other Comprehensive Income 00000000000000000
   Capital Surplus 00000000000000000
   Treasury Stock00000000000000000



Balance Sheet

Currency in USD. All numbers in thousands.




Cash Flow

Currency in USD. All numbers in thousands.




Income Statement

Currency in USD. All numbers in thousands.


Latest Income Statement (annual, 2023-12-31)

Gross Profit (+$)
totalRevenue8,224,000
Cost of Revenue--
Gross Profit-8,224,000
 
Operating Income (+$)
Gross Profit-
Operating Expense--
Operating Income-0
 
Operating Expense (+$)
Research Development-
Selling General Administrative3,176,000
Selling And Marketing Expenses-
Operating Expense-3,176,000
 
Net Interest Income (+$)
Interest Income10,204,000
Interest Expense-3,963,000
Other Finance Cost-0
Net Interest Income6,241,000
 
Pretax Income (+$)
Operating Income-
Net Interest Income6,241,000
Other Non-Operating Income Expenses-
Income Before Tax (EBT)2,030,0000
EBIT - interestExpense = -3,963,000
1,608,000
5,571,000
Interest Expense3,963,000
Earnings Before Interest and Taxes (EBIT)-5,993,000
Earnings Before Interest and Taxes (EBITDA)-
 
After tax Income (+$)
Income Before Tax2,030,000
Tax Provision-422,000
Net Income From Continuing Ops1,608,0001,608,000
Net Income1,608,000
Net Income Applicable To Common Shares-
 
Non-recurring Events
Discontinued Operations-
Extraordinary Items-
Effect of Accounting Charges-
Other Items-
Non Recurring-
Other Operating Expenses-
Total Other Income/Expenses Net--6,241,000
 

Technical Analysis of Citizens Financial Group Inc
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Citizens Financial Group Inc. The general trend of Citizens Financial Group Inc is BULLISH with 100.0% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Citizens Financial Group Inc's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (100.0%) Bearish trend (-100.0%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of Citizens Financial Group Inc.

The long score for the Support & Resistance is 0/1.
The longshort score for the Support & Resistance is 0/(-1 +1).

  • Between support/resistance: The price is trading between support and resistance lines.

The bullish price targets are: 33.22 < 33.22 < 33.22.

The bearish price targets are: 31.55 > 31.32 > 30.36.

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Citizens Financial Group Inc Daily Support & Resistance Chart

2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of Citizens Financial Group Inc. The current mas is .

The long score for the Moving Averages is 14/14.
The longshort score for the Moving Averages is 14/(-14 +14).

  • MA 20 trending up: The MA 20 is trending up. +1
  • Close > MA 20: The price is above the MA 20. +1
  • MA 20 > MA 50: The MA 20 is higher than the MA 50. +1
  • MA 20 > MA 100: The MA 20 is higher than the MA 100. +1
  • MA 20 > MA 200: The MA 20 is higher than the MA 200. +1
  • MA 50 trending up: The MA 50 is trending up. +1
  • Close > MA 50: The price is above the MA 50. +1
  • MA 50 > MA 100: The MA 50 is higher than the MA 100. +1
  • MA 50 > MA 200: The MA 50 is higher than the MA 200. +1
  • MA 100 trending up: The MA 100 is trending up. +1
  • Close > MA 100: The price is above the MA 100. +1
  • MA 100 > MA 200: The MA 100 is higher than the MA 200. +1
  • MA 200 trending up: The MA 200 is trending up. +1
  • Close > MA 200: The price is above the MA 200. +1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Citizens Financial Group Inc Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of Citizens Financial Group Inc. The current macd is 0.78178626.

The long score for the Moving Average Convergence/Divergence (MACD) is 3/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is 2/(-4 +4).

  • MACD line > signal line: The MACD line is above the signal line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Citizens Financial Group Inc price going up in the near term. +2
  • MACD > 0: The MACD is above the zero line (centerline), it indicates a bullish signal for Citizens Financial Group Inc. This means that the short-term moving average is higher than the long-term moving average, signaling positive momentum and suggesting a higher likelihood of the Citizens Financial Group Inc price continuing to rise in the near future. It indicates that buyers are gaining control, and there is optimism in the market, leading to potential price increases. +1
  • Trending down: The MACD line is trending down. This indicates that the short-term moving average is falling faster than the long-term moving average, suggesting negative momentum in the market. This signals that sellers are becoming more active and insecure, leading to potential price decreases as traders anticipate further losses and are willing to sell at lower prices. -1
Citizens Financial Group Inc Daily Moving Average Convergence/Divergence (MACD) ChartCitizens Financial Group Inc Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of Citizens Financial Group Inc. The current adx is 22.78.

The long score for the Directional Movement Index (DMI) is 2/7.
The longshort score for the Directional Movement Index (DMI) is 2/(-7 +7).

  • PLUS_ID > MINUS_DI: The +DI line is above the -DI line. This indicates a bullish signal in the market, as the positive directional movement is currently stronger than the negative directional movement, showing that buyers have the upper hand. Market psychology suggests that traders are optimistic, expecting further price increases, and are more willing to buy Citizens Financial Group Inc shares, leading to potential upward momentum in its price. +1
  • PLUS_ID > MINUS_DI && ADX < 25 && ADX trending up: The ADX is below 25 and indicates a weak or no trend. However, the ADX is rising and a new bullish trend could be forming. +1
Citizens Financial Group Inc Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of Citizens Financial Group Inc. The current sar is 30.48.

The long score for the Parabolic SAR is 1/1.
The longshort score for the Parabolic SAR is 1/(-1 +1).

  • Close > SAR: The price is above the SAR. It's generally considered a bullish signal. +1
Citizens Financial Group Inc Daily Parabolic SAR Chart

3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of Citizens Financial Group Inc. The current rsi is 61.79. The current phase is Continuation in bull market.

The long score for the Relative Strength Index (RSI) is 3/13.
The longshort score for the Relative Strength Index (RSI) is 2/(-13 +13).

  • Continuation in bull market: Uptrend continues after a consolidation or pullback. Hold or add to existing positions.
  • Trending down: The RSI is trending down. -1
Citizens Financial Group Inc Daily Relative Strength Index (RSI) ChartCitizens Financial Group Inc Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of Citizens Financial Group Inc. The current phase is Continuation in bull market.

The long score for the Stochastic Oscillator is 1/6.
The longshort score for the Stochastic Oscillator is -2/(-6 +6).

  • STOCH > 50: The STOCH %K is above 50. There are more buyers than sellers. +1
  • STOCH %K line < STOCH %D line: The STOCH %K line is below the STOCH %D line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Citizens Financial Group Inc price going down in the near term. -2
  • Trending down: The STOCH %K is trending down. -1
Citizens Financial Group Inc Daily Stochastic Oscillator ChartCitizens Financial Group Inc Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero, the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of Citizens Financial Group Inc. The current cci is 89.20.

Citizens Financial Group Inc Daily Commodity Channel Index (CCI) ChartCitizens Financial Group Inc Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of Citizens Financial Group Inc. The current cmo is 23.78.

The long score for the Chande Momentum Oscillator (CMO) is 1/1.
The longshort score for the Chande Momentum Oscillator (CMO) is 1/(-1 +1).

  • CMO > 0: The CMO is above 0, the momentum of the price is positive, indicating a potential uptrend in the price. +1
Citizens Financial Group Inc Daily Chande Momentum Oscillator (CMO) ChartCitizens Financial Group Inc Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of Citizens Financial Group Inc. The current willr is -29.6.

The long score for the Williams %R is 0/1.
The longshort score for the Williams %R is 0/(-1 +1).

  • WILLR between -80 and -20: The Williams %R is between -80 and -20. This indicates that Citizens Financial Group Inc is trading in a neutral price range, neither oversold nor overbought, suggesting a balanced market condition without any extreme price signals.
Citizens Financial Group Inc Daily Williams %R ChartCitizens Financial Group Inc Daily Williams %R Chart

4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold 

Score

Let's take a look at the Bollinger Bands of Citizens Financial Group Inc.

Citizens Financial Group Inc Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of Citizens Financial Group Inc. The current atr is 0.43682327.

Citizens Financial Group Inc Daily Average True Range (ATR) ChartCitizens Financial Group Inc Daily Average True Range (ATR) Chart

5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of Citizens Financial Group Inc. The current obv is 2,520.

Citizens Financial Group Inc Daily On-Balance Volume (OBV) ChartCitizens Financial Group Inc Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of Citizens Financial Group Inc. The current mfi is 70.66.

The long score for the Money Flow Index (MFI) is 1/2.
The longshort score for the Money Flow Index (MFI) is 1/(-2 +2).

  • MFI > 50: +1
Citizens Financial Group Inc Daily Money Flow Index (MFI) ChartCitizens Financial Group Inc Daily Money Flow Index (MFI) Chart

6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for Citizens Financial Group Inc.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2023-11-09 00:00:00STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-10 00:00:00ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2023-11-13 00:00:00DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
2023-11-15 00:00:00DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-11-16 00:00:00BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-11-17 00:00:00STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-20 00:00:00STOCH SHORT EXITThe %K line crosses above the %D line.
2023-11-21 00:00:00STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-22 00:00:00ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2023-11-28 00:00:00CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2023-11-29 00:00:00MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2023-11-30 00:00:00MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-04 00:00:00CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-06 00:00:00STOCH LONG EXITThe %K line crosses below the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-07 00:00:00RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2023-12-08 00:00:00STOCH SHORT EXITThe %K line crosses above the %D line.
2023-12-11 00:00:00ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-12 00:00:00STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-13 00:00:00RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2023-12-14 00:00:00STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2023-12-15 00:00:00STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-19 00:00:00ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2023-12-20 00:00:00STOCH SHORT EXITThe %K line crosses above the %D line.
2023-12-21 00:00:00RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2023-12-27 00:00:00STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-12-29 00:00:00STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-02 00:00:00MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2024-01-03 00:00:00STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-04 00:00:00SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-01-08 00:00:00STOCH SHORT EXITThe %K line crosses above the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2024-01-09 00:00:00SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-01-10 00:00:00SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2024-01-11 00:00:00STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-12 00:00:00CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-01-15 00:00:00CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2024-01-16 00:00:00DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-01-18 00:00:00DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-01-22 00:00:00CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-01-23 00:00:00SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-01-25 00:00:00CCI LONG ENTRY SHORT CLOSE100 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2024-01-26 00:00:00MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2024-01-29 00:00:00MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-30 00:00:00STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2024-01-31 00:00:00BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2024-02-01 00:00:00RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2024-02-02 00:00:00MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-02-05 00:00:00DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-02-06 00:00:00DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-02-08 00:00:00WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-02-12 00:00:00STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-13 00:00:00DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
2024-02-14 00:00:00DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-02-15 00:00:00DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-16 00:00:00CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-02-19 00:00:00STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-02-20 00:00:00STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-21 00:00:00DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-23 00:00:00WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-02-27 00:00:00CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-02-28 00:00:00ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-02-29 00:00:00CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-03-01 00:00:00DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-03-05 00:00:00MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-03-06 00:00:00SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-03-07 00:00:00STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-08 00:00:00STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-13 00:00:00STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-14 00:00:00STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-15 00:00:00STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-03-19 00:00:00STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-03-20 00:00:00ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-03-21 00:00:00CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2024-03-22 00:00:00ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2024-03-25 00:00:00RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
MFI SHORT ENTRY LONG CLOSE80 crossover to downside

6.3. Candlestick Patterns

Citizens Financial Group Inc Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of Citizens Financial Group Inc based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5061.787
Ma 20Greater thanMa 5030.919
Ma 50Greater thanMa 10029.988
Ma 100Greater thanMa 20028.428
OpenGreater thanClose32.120
Total4/5 (80.0%)
Penke

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