Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI SWOT - About
CFG 
Citizens Financial Group, Inc. (CFG)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
09/17/2025: CFG (3-star) is a STRONG-BUY. BUY since 87 days. Simulated Profits (26.78%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
21 Analysts rated it
Well-followed company, solid analyst reports, reliable data for confident investing.
1 Year Target Price $56.45
1 Year Target Price $56.45
| 10 | Strong Buy |
| 3 | Buy |
| 8 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 36.19% | Avg. Invested days 50 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/17/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 22.05B USD | Price to earnings Ratio 15.59 | 1Y Target Price 56.45 |
Price to earnings Ratio 15.59 | 1Y Target Price 56.45 | ||
Volume (30-day avg) 21 | Beta 1.14 | 52 Weeks Range 31.96 - 53.00 | Updated Date 09/17/2025 |
52 Weeks Range 31.96 - 53.00 | Updated Date 09/17/2025 | ||
Dividends yield (FY) 3.27% | Basic EPS (TTM) 3.28 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 22.09% | Operating Margin (TTM) 29.58% |
Management Effectiveness
Return on Assets (TTM) 0.73% | Return on Equity (TTM) 6.48% |
Valuation
Trailing PE 15.59 | Forward PE 10.2 | Enterprise Value 27648874496 | Price to Sales(TTM) 3.06 |
Enterprise Value 27648874496 | Price to Sales(TTM) 3.06 | ||
Enterprise Value to Revenue 4.71 | Enterprise Value to EBITDA - | Shares Outstanding 431348992 | Shares Floating 427082947 |
Shares Outstanding 431348992 | Shares Floating 427082947 | ||
Percent Insiders 0.69 | Percent Institutions 98.27 |
Upturn AI SWOT
Citizens Financial Group, Inc.
Company Overview
History and Background
Citizens Financial Group, Inc. traces its roots back to 1828 with the founding of High Street Bank in Providence, Rhode Island. It has grown through organic expansion and strategic acquisitions, becoming one of the largest retail banks in the United States. It was formerly a subsidiary of The Royal Bank of Scotland Group.
Core Business Areas
- Consumer Banking: Offers a range of retail banking products and services, including checking and savings accounts, mortgages, personal loans, and credit cards.
- Commercial Banking: Provides commercial lending, treasury services, capital markets solutions, and wealth management to middle-market companies, small businesses, and institutional clients.
Leadership and Structure
The CEO is Bruce Van Saun. The organizational structure is based on geographic regions and lines of business, with executive leadership overseeing each area.
Top Products and Market Share
Key Offerings
- Mortgages: Offers a variety of mortgage products for homebuyers and homeowners. Citizens is a major mortgage lender in the markets it serves. Competitors include Bank of America (BAC), Wells Fargo (WFC), and JPMorgan Chase (JPM).
- Commercial Loans: Provides financing solutions to businesses of various sizes, including term loans, lines of credit, and equipment financing. Competitors include regional banks and national lenders such as Truist (TFC), PNC (PNC) and US Bancorp (USB).
- Credit Cards: Offers a variety of consumer credit cards with rewards and benefits. Competitors include American Express (AXP), Capital One (COF) and Chase (JPM).
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased competition from fintech companies, and regulatory changes. Consolidation is occurring as banks seek scale and efficiency.
Positioning
Citizens Financial Group, Inc. is positioned as a regional bank with a focus on customer service and community involvement. Its competitive advantages include its strong presence in its core markets and its diversified product offerings.
Total Addressable Market (TAM)
The US banking market represents trillions of dollars. Citizens Financial Group is positioned to capture a share of this through retail and commercial banking operations in key regions.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Diversified product offerings
- Customer-focused approach
- Sound risk management
Weaknesses
- Geographic concentration
- Lower brand recognition compared to larger national banks
- Dependence on interest rate environment
- Exposure to regional economic downturns
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Growth in wealth management
- Acquisitions of smaller banks
Threats
- Rising interest rates
- Increased competition from fintech companies
- Regulatory changes
- Economic downturn
Competitors and Market Share
Key Competitors
- BAC
- WFC
- JPM
- PNC
- USB
- TFC
Competitive Landscape
Citizens Financial Group, Inc. faces competition from larger national banks, regional banks, and fintech companies. It competes on customer service, product offerings, and pricing.
Major Acquisitions
Investors Bancorp
- Year: 2022
- Acquisition Price (USD millions): 6141
- Strategic Rationale: Expanded Citizens' footprint in the New York metropolitan area and New Jersey.
Growth Trajectory and Initiatives
Historical Growth: Citizens Financial Group, Inc. has grown through organic expansion and acquisitions.
Future Projections: Analyst estimates vary depending on market conditions and company performance.
Recent Initiatives: Recent initiatives include investments in digital banking and expansion into new markets.
Summary
Citizens Financial Group is a regional bank with a growing presence and a focus on customer service. It has a diversified business model and is investing in digital capabilities. Key challenges include competition from larger banks and fintech companies, as well as the impact of economic conditions and interest rates on profitability. Recent acquisitions will contribute to growth and market share. Investors Bancorp has been a particularly impactful acquisition for Citizens.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, analyst reports, industry publications, public databases.
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share data is approximate and based on available information.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Citizens Financial Group, Inc.
Exchange NYSE | Headquaters Providence, RI, United States | ||
IPO Launch date 2014-09-24 | CEO & Chairman of the Board Mr. Bruce Winfield Van Saun | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 17677 | Website https://www.citizensbank.com |
Full time employees 17677 | Website https://www.citizensbank.com | ||
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, large corporations, and institutions in the United States. The company operates through 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 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 multi-family, office, industrial, retail, healthcare, and hospitality sectors. 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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.