Citizens Financial Group 주식 (NYSE: CFG)

에 대한 최신 뉴스 Citizens Financial Group (NYSE:CFG) 주식

CITIZENS FINANCIAL GROUP

Citizens Financial Group

Citizens Financial Group Inc is a bank holding company headquartered in Providence, Rhode Island. Through the bank, it offers various retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations, and institutions. The company's reportable segments are; Commercial Banking, Consumer Banking, Non-Core, and Others. A majority of its revenue is generated from the Consumer Banking segment, which serves consumer customers and small businesses, offering traditional banking products and services including deposits, mortgage and home equity lending, credit cards, small business loans, education loans, point-of-sale finance loans, and wealth management and investment services.

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트루이스트 증권의 애널리스트들은 24개의 대형은행, 지역은행, 신탁은행과 신용카드 회사에 대한 커버리지를 개시했다. 이들은 향후 2년간 강력한 수익 성장을 예상하며 대출 성장률 개선, 가파른 수익률 곡선, 충분한 자본 확충 등의 요인에 힘입어 연간 12~15%의 수익 증가를 예상하고 있다.

트루이스트: 2025년 수익률 곡선 정상화, 저렴한 가치평가, EPS 성장 속 은행주 상승할 것

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미국 연방준비제도(연준)의 연례 은행 스트레스 테스트는 수요일에 대형 은행들이 경기 침체 시나리오에서 작년보다 더 큰 예상 손실에 직면하고 있지만, 여전히 심각한 경기 침체를 견디고 최소 자본 요건을 유지할 수 있는 좋은 위치에 있음을 보여준다.

2024년 연준 스트레스 테스트: 대형 은행들은 심각한 불황에 큰 손실을 겪지만 강한 자본력 유지(정정)

Citizens Financial Group, Inc. Common Stock

Citizens Financial Group Inc

Centrifuge - United States Dollar

Community Financial Group Inc (Washington) CDT-Cap Stk

CAPITAL FINCL GLOBAL INC by Capital Financial Global, Inc.

Capital Financial Global Inc

Citizens Financial Group, Inc. Depositary Shares Each Representing 1/40th Interest in a Share of 5.000% Fixed-Rate Non-Cumulative Perpetual Preferred Stock, Series E

Citizens Financial Group, Inc. Depositary Shares Each Representing a 1/40th Interest in a Share of 7.375% Fixed-Rate Non-Cumulative Perpetual Preferred Stock, Series H

WIIM

Citizens Financial Group shares are trading lower after JP Morgan cut its price target on the stock from $49 to $43.

JP Morgan analyst Vivek Juneja maintains Citizens Financial Group (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFG#NYSE">CFG</a>) with a Neutral and lowers the price target from $49 to $43.

JP Morgan Maintains Neutral on Citizens Financial Group, Lowers Price Target to $43

Citizens Financial Group's (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFG#NYSE">CFG</a>) short percent of float has risen 5.3% since its last report. The company recently reported that it has 9.90 million shares sold short, which is 2.98% of all regular shares that are available for trading. Based on its trading volume, it would take traders 2.7 days to cover their short positions on average.
<h3>Why Short Interest Matters</h3>
Short interest is the number of shares that have been sold short but have not yet been covered or closed out. <a href="https://www.benzinga.com/money/how-to-short-a-stock?adType=benzinga-insights&amp;ad=short-interest&amp;campaign=wallstreetadvantage">Short selling</a> is when a trader sells shares of a company they do not own, with the hope that the price will fall. Traders make money from short selling if the price of the stock falls and they lose if it rises.
Short interest is important to track because it can act as an indicator of market sentiment towards a particular stock. An increase in short interest can signal that investors have become more bearish, while a decrease in short interest can signal they have become more bullish.
See Also: <a href="https://www.benzinga.com/short-interest?adType=benzinga-insights&amp;ad=short-interest&amp;campaign=wallstreetadvantage">List of the most shorted stocks</a>
<h3>Citizens Financial Group Short Interest Graph (3 Months)</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1742913921_0.png" alt="short_fig" />
As you can see from the chart above the percentage of shares that are sold short for Citizens Financial Group has grown since its last report. This does not mean that the stock is going to fall in the near-term but traders should be aware that more shares are being shorted.
<h3>Comparing Citizens Financial Group's Short Interest Against Its Peers</h3>
Peer comparison is a popular technique amongst analysts and investors for gauging how well a company is performing. A company's peer is another company that has similar characteristics to it, such as industry, size, age, and financial structure. You can find a company's peer group by reading its 10-K, proxy filing, or by doing your own similarity analysis.
According to <a href="https://www.benzinga.com/pro/">Benzinga Pro</a>, Citizens Financial Group's peer group average for short interest as a percentage of float is 3.87%, which means the company has less short interest than most of its peers.
Did you know that increasing short interest can actually be bullish for a stock? <a href="https://www.benzinga.com/money/how-to-make-money-on-a-short-squeeze?adType=benzinga-insights&amp;ad=short-interest&amp;campaign=wallstreetadvantage">This post by Benzinga Money explains how you can profit from it.</a>
This article was generated by Benzinga's automated content engine and was reviewed by an editor.

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Looking Into Citizens Financial Group's Recent Short Interest

Citigroup analyst Keith Horowitz maintains Citizens Financial Group (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFG#NYSE">CFG</a>) with a Buy and lowers the price target from $58 to $51.

Citigroup Maintains Buy on Citizens Financial Group, Lowers Price Target to $51

Across the recent three months, 9 analysts have shared their insights on Citizens Financial Group (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFG#NYSE">CFG</a>), expressing a variety of opinions spanning from bullish to bearish.
In the table below, you'll find a summary of their recent ratings, revealing the shifting sentiments over the past 30 days and comparing them to the previous months.
<table>
<thead>
<tr>
<th></th>
<th align="right">Bullish</th>
<th align="right">Somewhat Bullish</th>
<th align="right">Indifferent</th>
<th align="right">Somewhat Bearish</th>
<th align="right">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td align="right">1</td>
<td align="right">2</td>
<td align="right">6</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td align="right">1</td>
<td align="right">2</td>
<td align="right">2</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">2</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
Insights from analysts' 12-month price targets are revealed, presenting an average target of $53.33, a high estimate of $58.00, and a low estimate of $49.00. Surpassing the previous average price target of $53.00, the current average has increased by 0.62%.
<img src="https://www.benzinga.com/files/images/story/2025/1742590863_0.png" alt="price target chart" />
<h2>Analyzing Analyst Ratings: A Detailed Breakdown</h2>
The perception of Citizens Financial Group by financial experts is analyzed through recent analyst actions. The following summary presents key analysts, their recent evaluations, and adjustments to ratings and price targets.
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Brian Foran</td>
<td>Truist Securities</td>
<td>Lowers</td>
<td>Hold</td>
<td>$51.00</td>
<td>$54.00</td>
</tr>
<tr>
<td>Manan Gosalia</td>
<td>Morgan Stanley</td>
<td>Lowers</td>
<td>Equal-Weight</td>
<td>$54.00</td>
<td>$60.00</td>
</tr>
<tr>
<td>Terry McEvoy</td>
<td>Stephens &amp; Co.</td>
<td>Maintains</td>
<td>Overweight</td>
<td>$53.00</td>
<td>$53.00</td>
</tr>
<tr>
<td>Terry McEvoy</td>
<td>Stephens &amp; Co.</td>
<td>Maintains</td>
<td>Overweight</td>
<td>$53.00</td>
<td>$53.00</td>
</tr>
<tr>
<td>David Long</td>
<td>Raymond James</td>
<td>Raises</td>
<td>Strong Buy</td>
<td>$58.00</td>
<td>$55.00</td>
</tr>
<tr>
<td>Brian Foran</td>
<td>Truist Securities</td>
<td>Raises</td>
<td>Hold</td>
<td>$54.00</td>
<td>$49.00</td>
</tr>
<tr>
<td>David Konrad</td>
<td>Keefe, Bruyette &amp; Woods</td>
<td>Raises</td>
<td>Market Perform</td>
<td>$56.00</td>
<td>$53.00</td>
</tr>
<tr>
<td>Brian Foran</td>
<td>Truist Securities</td>
<td>Announces</td>
<td>Hold</td>
<td>$49.00</td>
<td>-</td>
</tr>
<tr>
<td>Jason Goldberg</td>
<td>Barclays</td>
<td>Raises</td>
<td>Equal-Weight</td>
<td>$52.00</td>
<td>$47.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: Responding to changing market dynamics and company performance, analysts update their recommendations. Whether they 'Maintain', 'Raise', or 'Lower' their stance, it signifies their response to recent developments related to Citizens Financial Group. This offers insight into analysts' perspectives on the current state of the company.</li>
<li>Rating: Providing a comprehensive analysis, analysts offer qualitative assessments, ranging from 'Outperform' to 'Underperform'. These ratings reflect expectations for the relative performance of Citizens Financial Group compared to the broader market.</li>
<li>Price Targets: Understanding forecasts, analysts offer estimates for Citizens Financial Group's future value. Examining the current and prior targets provides insight into analysts' changing expectations.</li>
</ul>
Considering these analyst evaluations in conjunction with other financial indicators can offer a comprehensive understanding of Citizens Financial Group's market position. Stay informed and make well-informed decisions with our Ratings Table.
<a href="https://www.benzinga.com/quote/CFG/analyst-ratings?adType=benzinga-insights&amp;ad=analyst-ratings&amp;campaign=wallstreetadvantage">Stay up to date on Citizens Financial Group analyst ratings.</a>
<h2>About Citizens Financial Group</h2>
Citizens Financial Group Inc is a bank holding company headquartered in Providence, Rhode Island. Through the bank, it offers various retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations, and institutions. The company's reportable segments are; Commercial Banking, Consumer Banking, Non-Core, and Others. A majority of its revenue is generated from the Consumer Banking segment, which serves consumer customers and small businesses, offering traditional banking products and services including deposits, mortgage and home equity lending, credit cards, small business loans, education loans, point-of-sale finance loans, and wealth management and investment services.
<h3>A Deep Dive into Citizens Financial Group's Financials</h3>
Market Capitalization: Surpassing industry standards, the company's market capitalization asserts its dominance in terms of size, suggesting a robust market position.
Decline in Revenue: Over the 3 months period, Citizens Financial Group faced challenges, resulting in a decline of approximately -0.6% in revenue growth as of 31 December, 2024. This signifies a reduction in the company's top-line earnings. As compared to its peers, the revenue growth lags behind its industry peers. The company achieved a growth rate lower than the average among peers in Financials sector.
Net Margin: Citizens Financial Group's net margin is below industry averages, indicating potential challenges in maintaining strong profitability. With a net margin of 18.57%, the company may face hurdles in effective cost management.
Return on Equity (ROE): Citizens Financial Group's ROE lags behind industry averages, suggesting challenges in maximizing returns on equity capital. With an ROE of 1.63%, the company may face hurdles in achieving optimal financial performance.
Return on Assets (ROA): Citizens Financial Group's ROA lags behind industry averages, suggesting challenges in maximizing returns from its assets. With an ROA of 0.17%, the company may face hurdles in achieving optimal financial performance.
Debt Management: Citizens Financial Group's debt-to-equity ratio stands notably higher than the industry average, reaching 0.56. This indicates a heavier reliance on borrowed funds, raising concerns about financial leverage.
<h2>The Basics of Analyst Ratings</h2>
Experts in banking and financial systems, analysts specialize in reporting for specific stocks or defined sectors. Their comprehensive research involves attending company conference calls and meetings, analyzing financial statements, and engaging with insiders to generate what are known as analyst ratings for stocks. Typically, analysts assess and rate each stock once per quarter.
Beyond their standard evaluations, some analysts contribute predictions for metrics like growth estimates, earnings, and revenue, furnishing investors with additional guidance. Users of analyst ratings should be mindful that this specialized advice is shaped by human perspectives and may be subject to variability.
Which Stocks Are Analysts Recommending Now?
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This article was generated by Benzinga's automated content engine and reviewed by an editor.

Analyst Expectations For Citizens Financial Group's Future

Truist Securities analyst Brian Foran maintains Citizens Financial Group (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFG#NYSE">CFG</a>) with a Hold and lowers the price target from $54 to $51.

Truist Securities Maintains Hold on Citizens Financial Group, Lowers Price Target to $51

Morgan Stanley analyst Manan Gosalia maintains Citizens Financial Group (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFG#NYSE">CFG</a>) with a Equal-Weight and lowers the price target from $60 to $54.

Morgan Stanley Maintains Equal-Weight on Citizens Financial Group, Lowers Price Target to $54

BBAR

BBDO

BBVA

BPOP

EWBC

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SMFG

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Shares of banking stocks are trading lower amid economic worries driven by tariffs and trade policies. Investors may be expecting a decline in investment and consumer spending, which may also be weighing on the industry.

Shares of banking companies are trading lower amid President Trump's decision to implement tariffs.

In the current market session, Citizens Financial Group Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFG#NYSE">CFG</a>) share price is at $46.57, after a 0.47% spike. Moreover, over the past month, the stock decreased by 3.60%, but in the past year, spiked by 49.31%. Shareholders might be interested in knowing whether the stock is overvalued, even if the company is performing up to par in the current session. 

<img src="https://www.benzinga.com/files/images/story/2025/1739891707_0.png" alt="Past Year Chart" />

<h3>Citizens Financial Group P/E Ratio Analysis in Relation to Industry Peers</h3>
The P/E ratio measures the current share price to the company's EPS. It is used by long-term investors to analyze the company's current performance against it's past earnings, historical data and aggregate market data for the industry or the indices, such as S&amp;P 500. A higher P/E indicates that investors expect the company to perform better in the future, and the stock is probably overvalued, but not necessarily. It also could indicate that investors are willing to pay a higher share price currently, because they expect the company to perform better in the upcoming quarters. This leads investors to also remain optimistic about rising dividends in the future. 
Compared to the aggregate P/E ratio of the 16.27 in the Banks industry, Citizens Financial Group Inc. has a lower P/E ratio of 15.3. Shareholders might be inclined to think that the stock might perform worse than it's industry peers. It's also possible that the stock is undervalued. 

<img src="https://www.benzinga.com/files/images/story/2025/1739891708_1.png" alt="Guage" />

In conclusion, the price-to-earnings ratio is a useful metric for analyzing a company's market performance, but it has its limitations. While a lower P/E can indicate that a company is undervalued, it can also suggest that shareholders do not expect future growth. Additionally, the P/E ratio should not be used in isolation, as other factors such as industry trends and business cycles can also impact a company's stock price. Therefore, investors should use the P/E ratio in conjunction with other financial metrics and qualitative analysis to make informed investment decisions.

Intraday Update

A Look Into Citizens Financial Group Inc's Price Over Earnings

Stephens &amp; Co. analyst Terry McEvoy reiterates Citizens Financial Group (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFG#NYSE">CFG</a>) with a Overweight and maintains $53 price target.

Reiteration

Stephens & Co. Reiterates Overweight on Citizens Financial Group, Maintains $53 Price Target

ARES

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UPST

Shares of companies within the banking and financial sector are trading lower amid overall market weakness as investors react to developments regarding advancements in Chinese artificial intelligence. Additionally, investors could be assessing the economic impact of potential tariffs and trade uncertainty.

Raymond James analyst David Long reiterates Citizens Financial Group (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFG#NYSE">CFG</a>) with a Strong Buy and raises the price target from $55 to $58.

Raymond James Reiterates Strong Buy on Citizens Financial Group, Raises Price Target to $58

Truist Securities analyst Brian Foran maintains Citizens Financial Group (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFG#NYSE">CFG</a>) with a Hold and raises the price target from $49 to $54.

Truist Securities Maintains Hold on Citizens Financial Group, Raises Price Target to $54

Citizens Financial Group (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFG#NYSE">CFG</a>) has been analyzed by 8 analysts in the last three months, revealing a diverse range of perspectives from bullish to bearish.
The table below summarizes their recent ratings, showcasing the evolving sentiments within the past 30 days and comparing them to the preceding months.
<table>
<thead>
<tr>
<th></th>
<th align="right">Bullish</th>
<th align="right">Somewhat Bullish</th>
<th align="right">Indifferent</th>
<th align="right">Somewhat Bearish</th>
<th align="right">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td align="right">3</td>
<td align="right">1</td>
<td align="right">4</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">2</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td align="right">2</td>
<td align="right">1</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
Analysts have recently evaluated Citizens Financial Group and provided 12-month price targets. The average target is $54.62, accompanied by a high estimate of $59.00 and a low estimate of $49.00. Observing a 13.46% increase, the current average has risen from the previous average price target of $48.14. 
<img src="https://www.benzinga.com/files/images/story/2025/1737460864_0.png" alt="price target chart" />
<h2>Decoding Analyst Ratings: A Detailed Look</h2>
The perception of Citizens Financial Group by financial experts is analyzed through recent analyst actions. The following summary presents key analysts, their recent evaluations, and adjustments to ratings and price targets.
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>David Konrad</td>
<td>Keefe, Bruyette &amp; Woods</td>
<td>Raises</td>
<td>Market Perform</td>
<td>$56.00</td>
<td>$53.00</td>
</tr>
<tr>
<td>Brian Foran</td>
<td>Truist Securities</td>
<td>Announces</td>
<td>Hold</td>
<td>$49.00</td>
<td>-</td>
</tr>
<tr>
<td>Jason Goldberg</td>
<td>Barclays</td>
<td>Raises</td>
<td>Equal-Weight</td>
<td>$52.00</td>
<td>$47.00</td>
</tr>
<tr>
<td>David Rochester</td>
<td>Compass Point</td>
<td>Raises</td>
<td>Buy</td>
<td>$57.00</td>
<td>$45.00</td>
</tr>
<tr>
<td>David Konrad</td>
<td>Keefe, Bruyette &amp; Woods</td>
<td>Raises</td>
<td>Market Perform</td>
<td>$53.00</td>
<td>$46.00</td>
</tr>
<tr>
<td>Scott Siefers</td>
<td>Piper Sandler</td>
<td>Raises</td>
<td>Overweight</td>
<td>$53.00</td>
<td>$48.00</td>
</tr>
<tr>
<td>Ryan Merkel</td>
<td>Goldman Sachs</td>
<td>Raises</td>
<td>Buy</td>
<td>$59.00</td>
<td>$48.00</td>
</tr>
<tr>
<td>Keith Horowitz</td>
<td>Citigroup</td>
<td>Raises</td>
<td>Buy</td>
<td>$58.00</td>
<td>$50.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: Analysts respond to changes in market conditions and company performance, frequently updating their recommendations. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to Citizens Financial Group. This information offers a snapshot of how analysts perceive the current state of the company.</li>
<li>Rating: Gaining insights, analysts provide qualitative assessments, ranging from 'Outperform' to 'Underperform'. These ratings reflect expectations for the relative performance of Citizens Financial Group compared to the broader market.</li>
<li>Price Targets: Analysts explore the dynamics of price targets, providing estimates for the future value of Citizens Financial Group's stock. This examination reveals shifts in analysts' expectations over time.</li>
</ul>
For valuable insights into Citizens Financial Group's market performance, consider these analyst evaluations alongside crucial financial indicators. Stay well-informed and make prudent decisions using our Ratings Table.
<a href="https://www.benzinga.com/quote/CFG/analyst-ratings?utm_source=Benzinga Insights">Stay up to date on Citizens Financial Group analyst ratings.</a>
<h2>All You Need to Know About Citizens Financial Group</h2>
Citizens Financial Group Inc 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.
<h3>Citizens Financial Group's Economic Impact: An Analysis</h3>
Market Capitalization Analysis: With an elevated market capitalization, the company stands out above industry averages, showcasing substantial size and market acknowledgment.
Decline in Revenue: Over the 3 months period, Citizens Financial Group faced challenges, resulting in a decline of approximately -5.51% in revenue growth as of 30 September, 2024. This signifies a reduction in the company's top-line earnings. As compared to competitors, the company encountered difficulties, with a growth rate lower than the average among peers in the Financials sector.
Net Margin: Citizens Financial Group's net margin is below industry averages, indicating potential challenges in maintaining strong profitability. With a net margin of 18.08%, the company may face hurdles in effective cost management.
Return on Equity (ROE): The company's ROE is below industry benchmarks, signaling potential difficulties in efficiently using equity capital. With an ROE of 1.54%, the company may need to address challenges in generating satisfactory returns for shareholders.
Return on Assets (ROA): Citizens Financial Group's ROA is below industry averages, indicating potential challenges in efficiently utilizing assets. With an ROA of 0.16%, the company may face hurdles in achieving optimal financial returns.
Debt Management: Citizens Financial Group's debt-to-equity ratio stands notably higher than the industry average, reaching 0.61. This indicates a heavier reliance on borrowed funds, raising concerns about financial leverage.
<h2>Analyst Ratings: Simplified</h2>
Benzinga tracks 150 analyst firms and reports on their stock expectations. Analysts typically arrive at their conclusions by predicting how much money a company will make in the future, usually the upcoming five years, and how risky or predictable that company's revenue streams are.
Analysts attend company conference calls and meetings, research company financial statements, and communicate with insiders to publish their ratings on stocks. Analysts typically rate each stock once per quarter or whenever the company has a major update.
Some analysts will also offer forecasts for metrics like growth estimates, earnings, and revenue to provide further guidance on stocks. Investors who use analyst ratings should note that this specialized advice comes from humans and may be subject to error.
Breaking: Wall Street's Next Big Mover
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This article was generated by Benzinga's automated content engine and reviewed by an editor.

Where Citizens Financial Group Stands With Analysts

Keefe, Bruyette &amp; Woods analyst David Konrad maintains Citizens Financial Group (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFG#NYSE">CFG</a>) with a Market Perform and raises the price target from $53 to $56.

Keefe, Bruyette & Woods Maintains Market Perform on Citizens Financial Group, Raises Price Target to $56

Risk appetite surged on Wall Street at the end of the week, with investors ramping up stock purchases ahead of Monday's market closure for Martin Luther King Day, which is also when Donald Trump will be sworn in as <a href="https://www.benzinga.com/topic/donald-trump">the 47th U.S. president.</a>
All major indices posted robust gains in midday trading, setting up for their strongest weekly performance since early November. Broad-based buying lifted every sector into the green, underscoring the strength of the rally.
Adding to the positive mood, the Israeli Security Cabinet approved a ceasefire deal with Hamas <a href="https://www.benzinga.com/news/global/25/01/43055426/oil-dips-as-israeli-security-cabinet-approves-gaza-ceasefire-yet-experts-warn-red-sea-risks-persist">in Gaza</a>, leaving final government approval as the last step before the agreement takes effect on Sunday.
Chipmaker Intel Corp. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/INTC#NASDAQ">INTC</a>) soared 8.9%, marking its biggest single-day jump since August 2024. The rally was fueled by rumors that the company could be a takeover target. 
Treasury yields edged higher but remained on track for steep weekly declines, following a softer-than-expected December inflation report that eased concerns over aggressive Federal Reserve policy.
The U.S. dollar rose 0.3% on Friday but is still slightly lower for the week, potentially snapping a six-week winning streak.
Gold prices steadied after Thursday's strong rally, while oil prices extended their decline as ceasefire efforts gained traction.
Cryptocurrency sentiment surged, driven by speculation that the incoming Trump administration could announce the creation of <a href="https://www.benzinga.com/markets/cryptocurrency/25/01/43062518/2025-to-see-dogecoin-etf-strategic-bitcoin-reserve-microstrategy-of-ethereum-predicts-crypto-hedge-fund">a Bitcoin Reserve Fund.</a> Bitcoin (CRYPTO: <a class="ticker" href="https://www.benzinga.com/quote/btc/usd">BTC</a>) was up 5% to over $105,000. 
<h1 class="wp-block-heading">Friday&#8217;s Performance In Major U.S. Indices, ETFs</h1>
<figure class="wp-block-table is-style-stripes"> 
<table>
<tbody>
<tr>
<td>Major Indices</td>
<td>Price</td>
<td>1-day % chg</td>
</tr>
<tr>
<td>Nasdaq 100</td>
<td>21,483.46</td>
<td>1.9%</td>
</tr>
<tr>
<td>S&amp;P 500</td>
<td>6,013.18</td>
<td>1.3%</td>
</tr>
<tr>
<td>Dow Jones</td>
<td>43,641.72</td>
<td>1.1%</td>
</tr>
<tr>
<td>Russell 2000</td>
<td>2,279.34</td>
<td>0.6%</td>
</tr>
</tbody>
</table>
<figcaption class="wp-element-caption">Updated at 12:45 p.m. ET</figcaption></figure>
According to&nbsp;<a href="https://bzresearch.myclickfunnels.com/benzinga-pro-content-webinar-registration/?utm_source=BZprocontent011525&amp;t=be2bearmibe3na1" target="_blank" rel="noreferrer noopener">Benzinga Pro</a>&nbsp;data:
<ul>
<li>The&nbsp;SPDR S&amp;P 500 ETF Trust&nbsp;(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SPY#NYSE">SPY</a>) rose 1.2% to $598.98.</li>
<li>The&nbsp;SPDR Dow Jones Industrial Average&nbsp;(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DIA#NYSE">DIA</a>)&nbsp;rose 1.1% to $436.12.</li>
<li>The tech-heavy&nbsp;Invesco QQQ Trust Series&nbsp;(NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/QQQ#NASDAQ">QQQ</a>) rallied 1.8% to $522.24.</li>
<li>The&nbsp;iShares Russell 2000 ETF&nbsp;(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/IWM#NYSE">IWM</a>) rose 0.7% to $226.01.</li>
<li>The&nbsp;Technology Select Sector SPDR Fund (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/XLK#NYSE">XLK</a>) outperformed, up 1.8%; the&nbsp;Health Care Select Sector SPDR Fund&nbsp;(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/XLV#NYSE">XLV</a>) lagged, down 0.1%.</li>
</ul>
<h3 class="wp-block-heading">Friday&#8217;s Stock Movers</h3>
<ul>
<li>Truist Financial Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/TFC#NYSE">TFC</a>) rallied nearly 5% in reaction to stronger-than-expected quarterly results. </li>
<li>Other stocks reacting to earnings included Schlumberger N.V. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SLB#NYSE">SLB</a>), up 7.9%; Fastenal Co. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FAST#NASDAQ">FAST</a>), up 0.64%; State Street Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/STT#NYSE">STT</a>), down 3%; Huntington Bancshares Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HBAN#NASDAQ">HBAN</a>), up 0.39%; Regions Financial Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RF#NYSE">RF</a>), down 0.86% and Citizens Financial Group Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFG#NYSE">CFG</a>), up 1.8%.</li>
</ul>
Read Now: 
<ul>
<li><a href="https://www.benzinga.com/25/01/43062563/imf-lifts-us-growth-outlook-betting-markets-raise-odds-on-trump-led-economic-boom">IMF Lifts US Growth Outlook, Betting Markets Raise Odds On Trump-Led Economic Boom</a></li>
</ul>
Photo: Shutterstock

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Wall Street Roars Ahead Of Trump's Inauguration, Intel Rallies, Bitcoin Tops $105,000: What's Driving Markets Friday?

Guidance

Citizens Financial Expects FY25 Net Interest Income To Be Up 3% - 5% On Underlying Basis

Citizens Financial Group (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFG#NYSE">CFG</a>) reported quarterly earnings of $0.85 per share which beat the analyst consensus estimate of $0.83 by 2.41 percent. The company reported quarterly sales of $1.986 billion which beat the analyst consensus estimate of $1.964 billion by 1.12 percent. This is a 0.10 percent decrease over sales of $1.988 billion the same period last year.

Earnings

Earnings Beats

CORRECTION: Citizens Financial Group Q4 2024 Adj. EPS $0.85 Beats $0.83 Estimate, Sales $1.986B Beat $1.964B Estimate

Press Releases

Citizens Business Conditions Index™ Shows Modest Expansion in Q4

Citizens Vice Chair and Chief Experience Officer Beth Johnson to Retire

Citizens Financial Group, Inc. Declares Dividends on Preferred Stock

Citizens Financial Group to Participate at the 2025 RBC Capital Markets Financial Institutions Conference

Citizens Financial Group Announces Executive Committee Appointments

Citizens Survey: 'Great Wealth Transfer' Presents New Era of Financial Opportunity for Women

Middle Market Business Leaders Cautiously Optimistic Despite Continued Uncertainty

Citizens Financial Group Announces First Quarter 2025 Earnings Conference Call Details

Citizens CEO Bruce Van Saun Reinforces Commitment to Supporting Business Growth Amidst Economic Uncertainty at The City Club of Cleveland

Citizens Announces $2.6 Million in Financial Education Grants

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<a href=""https://www.benzinga.com/topic/truist-securities"">트루이스트 증권</a>의 애널리스트들은 24개의 대형은행, 지역은행, 신탁은행과 신용카드 회사에 대한 커버리지를 개시했다. 이들은 향후 2년간 강력한 수익 성장을 예상하며 대출 성장률 개선, 가파른 수익률 곡선, 충분한 자본 확충 등의 요인에 힘입어 연간 12~15%의 수익 증가를 예상하고 있다.
무슨 일 있었나: 2025년과 2026년에 은행에 우호적인 환경이 조성될 것으로 전망한 트루이스트 애널리스트들은 은행의 인수합병과 초과 자본의 활용에 관한 규제 환경이 보다 명확하고 유연해지면서 은행에 유리할 것으로 예상했다.
이번 메모는 행정부가 은행 친화적인 세제 개혁과 규제 조정을 시행했음에도 불구하고 수익률 곡선이 평평해지고 경기 후반기 거시적 우려가 부각되면서 트럼프 1기 행정부의 첫 2년 동안 은행주에 대한 투자의견이 하향 조정되었음을 강조했다. 그러나 트루이스트에 따르면 연준이 12월 회의에서 암시한 것처럼 주식이 재평가되기 위해서는 약간의 양적완화와 가파른 곡선이 필요하며, 2025년에 두 차례 금리 인하가 예상된다.
트루이스트에 따르면, 은행 밸류에이션은 상승했지만 과거 수준에 비해 여전히 상대적으로 매력적이다. 현재 은행은 금융위기 이후 평균보다 낮은 주가순자산비율(P/TBV)로 거래되고 있으며, 시장 전체에 비해 상당히 할인된 가격에 거래 중이다. 해당 메모는 현재 시장 밸류에이션을 고려할 때 은행 주식은 S&amp;P 500 지수에 비해 저평가된 것으로 보인다고 덧붙였다.
하지만 트루이스트는 은행 업종이 매력적인 기회를 제공하지만 신중한 종목 선택이 중요하다고 강조한다. "우리는 &#8216;눈 감고 사자&#8217; 수준은 아니지만, 여전히 섹터 전반에 걸쳐 매력적인 기회를 보고 있다. 주식 선택이 점점 더 중요해지고 있다고 생각한다.&#8221;
왜 중요한가: 24개 금융주에 대한 트루이스트의 커버리지 개시는 대형은행, 지역은행, 신탁은행의 세 가지 하위 그룹으로 나뉘며, 긍정적인 전망으로 시작된다.
<h3>대형은행</h3>
해당 리서치 메모는 미국 대형은행의 장기 투자 잠재력을 검토한다. 대형은행 기관은 강력한 기존 비즈니스와 고객 관계를 보유한 &#8216;내재된 공격&#8217;을 포함한 상당한 이점을 보유하고 있다.
또한 우호적인 경제 환경과 성장을 위해 자본을 효과적으로 활용할 수 있는 능력을 고려할 때 대형은행이 주기적인 순풍과 자본 레버리지를 기대할 수 있을 것으로 예상한다.
이러한 요인으로 인해 미국 대형은행들은 핵심 비즈니스의 확장을 통한 유기적 성장, 두 자릿수 수익 성장, 매력적인 자기자본 수익률을 달성할 수 있을 것으로 보인다.
<figure class="wp-block-table is-style-stripes">
<table style="overflow:auto; height: 90px; display: block;">
<tbody>
<tr>
<td>대형은행</td>
<td>투자의견</td>
<td>목표주가</td>
</tr>
<tr>
<td>뱅크오브아메리카 (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BAC#NYSE">BAC</a>)</td>
<td>매수</td>
<td>$52</td>
</tr>
<tr>
<td>씨티그룹 (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/C#NYSE">C</a>)</td>
<td>매수</td>
<td>$85</td>
</tr>
<tr>
<td>웰스파고 (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/WFC#NYSE">WFC</a>)</td>
<td>매수</td>
<td>$82</td>
</tr>
<tr>
<td>JP모건 체이스 (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/JPM#NYSE">JPM</a>)</td>
<td>보유</td>
<td>$260</td>
</tr>
<tr>
<td>PNC 파이낸셜(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PNC#NYSE">PNC</a>)</td>
<td>보유</td>
<td>$215</td>
</tr>
<tr>
<td>US 뱅코프 (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/USB#NYSE">USB</a>)</td>
<td>보유</td>
<td>$54</td>
</tr>
</tbody>
</table>
</figure>
<h3 class="wp-block-heading">지역은행 및 카드사</h3>
또한, 트루이스트는 14개 지역 금융사에 대한 분석도 시작했고, 지역은행이 경쟁력을 유지하기 위한 세 가지 핵심 전략을 제시했다.
<ul>
<li>차별화된 성장: 독특하고 지속 가능한 성장 기회에 집중한다.</li>
<li>체계적인 자본 배분: 자본을 효율적으로 배분하여 성장을 지원하고 주주 가치를 높인다.</li>
<li>변화하는 환경 탐색: 금리, 수익률 곡선 변화, 대출 및 예금 증가, 상업용 부동산 시장 역학 등 변화하는 시장 상황에 적응한다.</li>
</ul>
<figure class="wp-block-table is-style-stripes">
<table style="overflow:auto; height: 90px; display: block;">
<tbody>
<tr>
<td>지역은행</td>
<td>투자의견</td>
<td>목표주가</td>
</tr>
<tr>
<td>피프스 서드 뱅코프 (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FITB#NASDAQ">FITB</a>)</td>
<td>매수</td>
<td>$51</td>
</tr>
<tr>
<td>헌팅턴 뱅크셰어스 (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HBAN#NASDAQ">HBAN</a>)</td>
<td>매수</td>
<td>$19</td>
</tr>
<tr>
<td>M&amp;T 뱅크 (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MTB#NYSE">MTB</a>)</td>
<td>매수</td>
<td>$233</td>
</tr>
<tr>
<td>윈트러스트 파이낸셜 (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/WTFC#NASDAQ">WTFC</a>)</td>
<td>매수</td>
<td>$151</td>
</tr>
<tr>
<td>씨티즌스 파이낸셜 (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFG#NYSE">CFG</a>)</td>
<td>보유</td>
<td>$49</td>
</tr>
<tr>
<td>코메리카 (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CMA#NYSE">CMA</a>)</td>
<td>보유</td>
<td>$65</td>
</tr>
<tr>
<td>퍼스트 씨티즌스 뱅크셰어스 (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FCNCA#NASDAQ">FCNCA</a>)</td>
<td>보유</td>
<td>$2,303</td>
</tr>
<tr>
<td>키코프 (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/KEY#NYSE">KEY</a>)</td>
<td>보유</td>
<td>$19</td>
</tr>
<tr>
<td>리전스 파이낸셜 (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RF#NYSE">RF</a>)</td>
<td>보유</td>
<td>$25</td>
</tr>
</tbody>
</table>
</figure>
<figure class="wp-block-table is-style-stripes">
<table style="overflow:auto; height: 90px; display: block;">
<tbody>
<tr>
<td>신용카드사</td>
<td>투자의견</td>
<td>목표주가</td>
</tr>
<tr>
<td>얼라이 파이낸셜 (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ALLY#NYSE">ALLY</a>)</td>
<td>매수</td>
<td>$42</td>
</tr>
<tr>
<td>아메리칸 익스프레스 (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/AXP#NYSE">AXP</a>)</td>
<td>매수</td>
<td>$350</td>
</tr>
<tr>
<td>캐피털 원 파이낸셜 (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/COF#NYSE">COF</a>)</td>
<td>매수</td>
<td>$229</td>
</tr>
<tr>
<td>디스커버 파이낸셜 (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DFS#NYSE">DFS</a>)</td>
<td>매수</td>
<td>$233</td>
</tr>
<tr>
<td>싱크로니 파이낸셜 (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>)</td>
<td>보유</td>
<td>$72</td>
</tr>
</tbody>
</table>
</figure>
<h3 class="wp-block-heading">신탁은행 및 자본시장</h3>
트루이스트는 점진적인 금리 인하, 양적 긴축의 궁극적 종식, 건전한 경제와 자본 시장이 신탁은행에 경쟁 환경을 제공할 것으로 예상한다.
애널리스트들은 투자자들이 지속적인 영업 레버리지가 가능한 종목에 우선순위를 두어야 한다고 말한다. 이는 상대적으로 적은 매출 증가로 수익성을 크게 높일 수 있는 능력을 의미한다. 또한 배당금과 자사주 매입을 통해 높은 수준의 소득을 창출하는 자본 수익률이 높은 주식이다.
트루이스트는 금리가 점진적으로 하락하고 양적 긴축이 끝나며 건강한 경제와 자본 시장이 신탁은행들에게 경쟁력을 제공할 것이라고 예상한다.
애널리스트들은 투자자들이 지속적인 운영 레버리지(매출의 상대적으로 작은 증가로 수익성을 크게 증가시킬 수 있는 능력)와 높은 배당금 및 자사주 매입을 통한 높은 수익률을 가진 주식을 우선시해야 한다고 조언한다.
<figure class="wp-block-table is-style-stripes">
<table style="overflow:auto; height: 90px; display: block;">
<tbody>
<tr>
<td>신탁은행 및 자본시장</td>
<td>투자의견</td>
<td>목표주가</td>
</tr>
<tr>
<td>뱅크오브뉴욕멜론 (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BK#NYSE">BK</a>)</td>
<td>매수</td>
<td>$91</td>
</tr>
<tr>
<td>찰스 슈왑 (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SCHW#NYSE">SCHW</a>)</td>
<td>매수</td>
<td>$86</td>
</tr>
<tr>
<td>노던 트러스트(NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NTRS#NASDAQ">NTRS</a>)</td>
<td>보유</td>
<td>$110</td>
</tr>
<tr>
<td>스테이트 스트리트 (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/STT#NYSE">STT</a>)</td>
<td>보유</td>
<td>$106</td>
</tr>
</tbody>
</table>
</figure>
이미지 출처: Shutterstock
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편집자 주: 이 기사에는 연준의 스트레스 테스트 보고서에 언급된 회사인 Citizens Financial Group Inc.가 아닌 Citizens Inc.의 주식 정보가 잘못 포함되어 수정되었습니다.
미국 연방준비제도(연준)의 연례 은행 스트레스 테스트는 수요일에 대형 은행들이 경기 침체 시나리오에서 작년보다 더 큰 예상 손실에 직면하고 있지만, 여전히 심각한 경기 침체를 견디고 <a href="https://www.benzinga.com/analyst-ratings/analyst-color/24/06/39461418/us-bank-stress-tests-this-week-analyst-expects-improvement-8-stocks-3-etfs-to-watch" target="_blank" rel="noopener" data-google-interstitial="false">최소 자본 요건을 유지</a>할 수 있는 좋은 위치에 있음을 보여준다.
"올해의 스트레스 테스트는 대형 은행들이 매우 스트레스가 큰 시나리오에서도 충분한 자본을 보유하고 최소 자본 비율을 충족할 수 있음을 보여준다"고 연준 감독 부문 부의장인 마이클 S. 바(Michael S. Barr)가 말했다.
올해의 스트레스 테스트 부정적 시나리오는 작년과 마찬가지로 심각하지만, 은행 대차대조표의 약간 더 높은 위험과 증가한 비용 때문에 더 큰 손실이 발생했다고 그가 말했다.
2023년 지역 은행 위기를 회상하며, 바는 중요한 교훈이 얻어졌다고 강조했다.
연준은 &#8220;대형 은행들이 일반적으로 예금 이동의 형태로 갑작스러운 자금 충격을 견딜 수 있는 좋은 위치에 있다&#8221;고 밝혔다. 또한, 자금 충격 가정을 감안하더라도 은행의 순이자 수익은 고금리 환경에서 탄력적으로 유지되고 있다.
<h3 class="wp-block-heading">2024년 은행 스트레스 테스트 세부사항, 결과</h3>
올해 테스트에서는 31개 은행 모두 총 예상 가상 손실이 약 6850억 달러에 달함에도 불구하고 최소 보통주 자본 비율 1(CET1) 요건을 초과했다.
올해의 테스트 가상 시나리오는 작년의 심각한 세계적 경기 침체 테스트와 유사하며, 상업용 부동산 가격이 40% 하락하고, 사무실 공실률이 크게 증가하며, 주택 가격이 36% 하락하는 상황을 포함한다. 실업률은 스트레스 테스트에서 10%로 정점에 달하며 경제 생산량도 이에 따라 감소했다.
이 스트레스 시나리오 하에서, 총 보통주 자본 비율(CET1)은 12.7%에서 9.9%로 2.8 퍼센트 포인트 하락할 것으로 예상된다. 이는 작년 테스트보다 더 큰 하락이지만 최근 테스트 범위 내에 있다.
올해 테스트에서 더 큰 자본 감소에 기여한 세 가지 주요 요인은 다음과 같다:
<ol>
<li>신용카드 손실 증가: 신용카드 잔액의 상당한 증가와 높은 연체율로 인해 예상되는 신용카드 손실이 증가했다. 신용카드 손실에 가장 많이 노출된 은행은 앨리 파이낸셜(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ALLY#NYSE">ALLY</a>), 디스커버 파이낸셜 서비스(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DFS#NYSE">DFS</a>) 및 골드만삭스(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/GS#NYSE">GS</a>)이다.</li>
<li>더 위험한 기업 대출 포트폴리오: 은행들은 기업 대출을 다운그레이드하여 리스크가 증가했음을 반영했고, 이로 인해 예상되는 기업 손실도 증가했다. 기업 대출 잔액에 가장 큰 영향을 받을 것으로 예상되는 은행은 디스커버 파이낸셜 서비스, 바클레이즈(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BCS#NYSE">BCS</a>) 및 시티즌 파이낸셜 그룹(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFG#NYSE">CFG</a>)이다.</li>
<li>높은 비용과 낮은 수수료 수익: 비용 증가와 수수료 수익 감소로 인해 예상되는 수익이 줄어들면서 자본 감소가 악화되었다.</li>
</ol>
이러한 예상 손실에는 신용카드 손실 1,750억 달러, 상업 및 산업 대출에서 1,420억 달러, 상업용 부동산에서 770억 달러가 포함된다.
&#8220;대형 은행의 상업용 부동산(CRE) 부채 노출은 연방 준비 제도 이사회 감독관들의 주요 관심사로 남아있다&#8221;고 이 보고서에서 밝혔다.
2024년 감독관의 심각한 악화 시나리오에는 상업용 부동산(CRE) 스트레스 증가가 포함되며, CRE 가격은 40% 하락할 것으로 예상된다.
사무실 부문에서의 악화된 기본 요인으로 인해 사무실 건물 대출에 대한 예상 손실이 증가했지만, 연준은 호텔 및 소매 부동산 대출에 대한 예상 손실이 감소하면서 이러한 손실이 균형을 이루고 있다고 밝혔다. 이는 지난 해 동안 이들 부문의 시장 기본 요인이 개선되었기 때문이다.
시장 반응: 미 동부 시간 오후 5:05 기준 캐피탈 원 파이낸셜(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/COF#NYSE">COF</a>), 시티즌 파이낸셜 그룹(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFG#NYSE">CFG</a>) 및 골드만삭스는 Financial Select Sector SPDR Fund(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/XLF#NYSE">XLF</a>) 구성 주식들 중 가장 많이 하락했다. 최고의 종목은 1.7% 상승한 트루이스트 파이낸셜(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/TFC#NYSE">TFC</a>)이었다.
지금 읽기: <a href="https://www.benzinga.com/analyst-ratings/analyst-color/24/06/39506069/yen-plummets-to-160-against-dollar-lowest-since-december-1986-is-bank-of-japan-inte">엔화는 1986년 12월 이후 최저치인 달러 대비 160으로 급락: 일본은행의 개입이 임박?</a>
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