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Citizens Financial Group CFG

equity

Price History

$18.81$37.18$55.54$73.91
2014-09 · DCA start$23.42

Time underwater

How far below its previous all-time high the price sat, each month. 0% means a new high.

-59.0%-39.3%-19.7%0.0%
2014-092026-08 · 0.0%

Worst drawdown: −59%, peaking Jan 2018 and bottoming Mar 2020 — 39 months below the prior high before recovering.

DCA Backtest

Invested
$14,400
Value today
$31,213
Return
+116.8%
Months invested
144

Scenarios

Inflation — the same contributions merely keeping pace with CPI would be $17,704 today, so the real (inflation-adjusted) return is +76.3%.

Lump sum instead — $14,400 all at once in Sep 2014: $45,444 (+215.6%) — lump sum came out ahead.

Worst timing — same monthly amount started at the all-time high (Jul 2026): $203.15 on $200 invested (+1.6%).

⚠ Price returns only — dividends are not included. This understates the true return of dividend-paying shares, and any comparison against crypto (which pays no dividends) is biased against equities by roughly the dividend yield, compounded.

If this saved you a spreadsheet — buy me a coffee.

Every start month at once

Each cell is the return-to-date of £/$/€100-a-month DCA started that month. Click a cell to load it in the backtest above. The ringed cell is the all-time-high start — the worst timing scenario.

JFMAMJJASOND
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
Legend:−50%−20%0%+50%+200%+1000%worst timing (ATH)Selected 2014-09: +116.8%

About Citizens Financial Group

Citizens Financial Group, Inc. is an American bank holding company, headquartered in Providence, Rhode Island. The company owns the bank Citizens Bank, N.A., which operates in the U.S. states of Connecticut, Delaware, Florida, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, and Virginia, as well as Washington, DC. (Wikipedia)

It's a listed company categorised under financials and regional banks, with a market cap of about $31.1B.

It rates Medium-High Risk at 2.3/5, meaning real but ordinary risk — the kind most mainstream assets carry, with some factors scoring poorly.

What pushes the score up: sector / regulatory (4.0/5) and market / volatility (3.3/5).

Scoring well: leverage / financial at 1.0/5.

Not yet researched: concentration, governance. These are excluded from the score rather than guessed, so the real risk may be higher than what’s shown.

Ratings summarise sourced facts against fixed rules — not investment advice, and no substitute for your own diligence.

Risk Profile

Medium-High Risk(2.3/5)80% rated

How these ratings work

Market / Volatility3.3/5 · weight 20%
  • Annualised volatility (3yr)3/529.2
  • Max drawdown from ATH3/559.0
  • Beta vs S&P 5004/51.4
Liquidity1.0/5 · weight 15%
  • Avg daily $ volume1/5313.2m
  • Float % of shares outstandingnot yet researched
Leverage / Financial1.0/5 · weight 20%
  • Debt / equity1/50.62
  • Interest coverage (EBIT / interest)not yet researched
Earnings Quality3.0/5 · weight 15%
  • 3yr EPS volatility3/521.6
Concentrationunrated · weight 10%
  • Largest customer, % of revenuenot yet researched
  • Geographic revenue concentrationnot yet researched
Governanceunrated · weight 10%
  • Board independence %not yet researched
  • Share structurenot yet researched
  • Litigation / audit historynot yet researched
Sector / Regulatory4.0/5 · weight 10%
  • Sector regulatory exposure4/5high

Linked Assets

Same sector, or return-correlated — worth knowing what else might move if this one does.