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Citizens Financial Group, Inc.(CFG)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for CFG
09/16/2026: CFG (5-star) is currently NOT-A-BUY. Pass it for now.
Citizens Financial Group is a prominent regional bank providing a wide array of retail and commercial banking services, primarily across the Northeast and Midwest. Its core strengths include a well-established regional brand and a balanced revenue model. The primary growth story revolves around digital platform optimization and expanding fee-based wealth management services. However, the bank faces risks related to commercial real estate exposure, competitive pressure from digital-only banks, and sensitivity to interest rate fluctuations. It is generally suitable for value-oriented and income-focused investors who can monitor regional economic data and management's execution of integration and digital strategies.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Citizens is a mature financial institution focused more on steady returns than high-growth scaling. |
| Momentum investor | Mixed fit | Momentum performance depends on the interest rate cycle and general market sentiment toward regional banks. |
| Value investor | Strong fit | The stock often trades at valuations that may appeal to value investors looking for regional bank exposure. |
| Dividend investor | Strong fit | Citizens provides consistent dividend payments, making it a potential candidate for income-focused portfolios. |
| Low-risk investor | Mixed fit | While established, the stock is subject to industry-specific regulatory and interest rate risks that cause volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Regional bank stocks are sensitive to macro economic data and interest rate forecasts. |
| Valuation risk | Medium | Market sentiment shifts can lead to price fluctuations unrelated to internal performance. |
| Competition risk (Fintech and digital banking) | Medium / high | Digital-only banks threaten the traditional deposit-gathering model. |
| Business quality | Medium | The company has a solid regional franchise but faces competition from larger national players. |
| Dividend income | Medium | Dividends depend on capital strength and regulatory approval of capital return plans. |
| Execution risk | Medium | Success depends on integrating past acquisitions and effectively managing loan portfolios. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 51.64% | Avg. Invested days 55 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/16/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 29.58B USD | Price to earnings Ratio 15.3 | 1Y Target Price 81.47 |
Price to earnings Ratio 15.3 | 1Y Target Price 81.47 | ||
Volume (30-day avg) 3.1M shares | Beta 1 | 52 Weeks Range 46.55 - 75.33 | Updated Date 09/16/2026 |
52 Weeks Range 46.55 - 75.33 | Updated Date 09/16/2026 | ||
Dividends yield (FY) 2.55% | Basic EPS (TTM) 4.59 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Retail Banking | Consumer deposits, mortgage lending, personal loans, and credit cards. | The bank earns money primarily from the interest spread between loans and deposits. |
| Commercial Banking | Loans to mid-sized businesses, treasury services, and capital markets advice. | This segment drives revenue through interest on commercial loans and fees for corporate services. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 15.3 | Forward PE 10.85 | Enterprise Value 34.18B | Price to Sales(TTM) 3.62 |
Enterprise Value 34.18B | Price to Sales(TTM) 3.62 | ||
Enterprise Value to Revenue 5.52 | Enterprise Value to EBITDA - | Shares Outstanding 421.18M | Shares Floating 417.04M |
Shares Outstanding 421.18M | Shares Floating 417.04M | ||
Percent Insiders 0.71 | Percent Institutions 100.18 |
Upturn AI Summary
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.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About Citizens Financial Group, Inc.
Exchange NYSE | Headquarters 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 17727 | Website https://www.citizensbank.com |
Full time employees 17727 | 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, and wealth management 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. The company serves customers and small businesses, high- and ultra-high-net-worth individuals and families, as well as investors, entrepreneurs, and companies and institutions, as well as multifamily, 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.
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