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Upturn AI SWOT - About
CFG 
Citizens Financial Group, Inc. (CFG)
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Upturn Advisory Summary
07/15/2025: CFG (3-star) is a STRONG-BUY. BUY since 42 days. Profits (12.26%). 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 $47.74
1 Year Target Price $47.74
| 10 | Strong Buy |
| 3 | Buy |
| 8 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 20.56% | Avg. Invested days 44 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 07/15/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 20.76B USD | Price to earnings Ratio 15.2 | 1Y Target Price 47.74 |
Price to earnings Ratio 15.2 | 1Y Target Price 47.74 | ||
Volume (30-day avg) 21 | Beta 1.07 | 52 Weeks Range 32.24 - 48.28 | Updated Date 07/15/2025 |
52 Weeks Range 32.24 - 48.28 | Updated Date 07/15/2025 | ||
Dividends yield (FY) 3.75% | Basic EPS (TTM) 3.15 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-17 | When Before Market | Estimate 0.88 | Actual - |
Profitability
Profit Margin 21.75% | Operating Margin (TTM) 26.26% |
Management Effectiveness
Return on Assets (TTM) 0.7% | Return on Equity (TTM) 6.37% |
Valuation
Trailing PE 15.2 | Forward PE 12.58 | Enterprise Value 21729798144 | Price to Sales(TTM) 2.92 |
Enterprise Value 21729798144 | Price to Sales(TTM) 2.92 | ||
Enterprise Value to Revenue 4.53 | Enterprise Value to EBITDA - | Shares Outstanding 433648992 | Shares Floating 429568480 |
Shares Outstanding 433648992 | Shares Floating 429568480 | ||
Percent Insiders 0.68 | Percent Institutions 97.63 |
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 acquisitions and organic expansion, becoming a major regional bank holding company. Royal Bank of Scotland (RBS) acquired Citizens in 1988 and spun it off in 2014 through an IPO.
Core Business Areas
- Consumer Banking: Provides a range of banking products and services to individuals, including checking and savings accounts, mortgages, personal loans, and credit cards.
- Commercial Banking: Offers commercial lending, treasury management, foreign exchange, and capital markets services to middle-market and small businesses.
- Wealth Management: Provides investment management, financial planning, and trust services to high-net-worth individuals and families.
Leadership and Structure
Owen J. Sullivan is the Chairman and Chief Executive Officer. The company operates under a traditional corporate structure with a board of directors and executive leadership team.
Top Products and Market Share
Key Offerings
- Mortgages: Citizens offers a variety of mortgage products, including fixed-rate, adjustable-rate, and government-backed loans. Market share data is dynamic. Competitors include Bank of America, Wells Fargo, and Chase.
- Commercial Lending: Citizens provides loans to businesses for various purposes, such as working capital, equipment financing, and real estate. Competitors include JPMorgan Chase, PNC, and US Bancorp.
- Credit Cards: Citizens offers various credit card options. Market share is relatively small compared to industry giants. Competitors include Capital One, Chase and American Express.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, rising inflation, and increased regulatory scrutiny. Technology is playing a large part in changing how banks operate and acquire customers.
Positioning
Citizens is positioned as a regional bank with a focus on providing personalized service and local expertise. They are working to grow their national presence through digital channels.
Total Addressable Market (TAM)
The TAM for US Banking is estimated to be multi-trillion, consisting of personal and commercial banking operations. Citizens is positioned as a mid-size player within the competitive market.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Northeast and Midwest
- Diversified business model with consumer, commercial, and wealth management segments
- Focus on customer service
- Improving digital banking capabilities
Weaknesses
- Less brand recognition compared to larger national banks
- Reliance on interest income, making it vulnerable to interest rate fluctuations
- Higher cost structure than some competitors
Opportunities
- Expansion into new markets
- Increased adoption of digital banking services
- Acquisitions of smaller banks
- Growth in wealth management business
Threats
- Increased competition from larger national banks and fintech companies
- Economic downturn
- Rising interest rates
- Increased regulatory scrutiny
Competitors and Market Share
Key Competitors
- JPM
- BAC
- PNC
- USB
Competitive Landscape
Citizens Financial Group is challenged by its size when competing with national banks. Its strategic focus on regional strengths gives it advantages in localized markets.
Major Acquisitions
Investors Bancorp
- Year: 2022
- Acquisition Price (USD millions): 6300
- Strategic Rationale: Expanded Citizens' presence in the New York Metro area and New Jersey, adding significant deposit and loan market share.
Growth Trajectory and Initiatives
Historical Growth: Citizens has experienced growth through organic expansion and acquisitions. Their focus on digital banking has accelerated their expansion efforts.
Future Projections: Analyst estimates vary, but generally project continued growth in earnings and revenue, driven by expansion in key markets and continued focus on digital innovation.
Recent Initiatives: Recent initiatives include investments in digital banking platforms, expansion of wealth management services, and acquisitions of smaller banks and firms.
Summary
Citizens Financial Group is a solid regional bank with a diversified business model. It is growing in an evolving industry. While challenges related to economic fluctuations and competition exist, Citizens should continue to improve.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Citizens Financial Group Investor Relations
- SEC Filings (10-K, 10-Q)
- Industry Reports
- Third-party Financial Analysis
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market share estimates are approximate and may vary. Financial data should be verified with official sources.
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 17315 | Website https://www.citizensbank.com |
Full time employees 17315 | 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.
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