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Upturn AI Summary - About
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
10/01/2026: CFG (4-star) is currently NOT-A-BUY. Pass it for now.
Citizens Financial Group, Inc. is a diversified regional banking institution with a strong operational footprint in the US Northeast and Midwest. The company benefits from a solid retail customer base and a growing commercial banking segment that supports its core revenue streams. Its primary investment story centers on its ability to leverage its regional scale while expanding into specialized commercial finance and digital banking services. Risks include potential interest rate sensitivity, intense competition from digital-first fintech platforms, and cyclical economic pressures on loan quality. It may suit dividend-oriented investors or those seeking a value-based entry into the regional banking sector, provided they monitor ongoing economic and interest rate trends closely.
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 | Growth is largely tied to macro economic conditions rather than high-growth disruption. |
| Momentum investor | Weak fit | Performance is highly cyclical and dependent on broader sector sentiment. |
| Value investor | Strong fit | The stock often trades at valuations reflective of standard regional bank book values. |
| Dividend investor | Strong fit | The company has a history of paying regular dividends and maintaining sustainable payout ratios. |
| Low-risk investor | Mixed fit | While established, the bank is subject to sector-specific market and interest rate volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Banking stocks frequently react sharply to interest rate announcements. |
| Valuation risk | Medium | Changes in economic outlook can quickly shift market multiples for bank stocks. |
| Competition risk (traditional and fintech banking) | High | Fintechs are putting pressure on traditional bank fee structures and deposit gathering. |
| Business quality | Medium / high | The bank maintains a strong franchise, though it is smaller than money-center peers. |
| Dividend income | Medium | Dividends remain stable but are subject to regulatory capital constraints. |
| Execution risk | Medium | Successful integration of past acquisitions and digital transformation is critical. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 28.69% | Avg. Invested days 54 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/01/2026 |
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 26.85B USD | Price to earnings Ratio 13.92 | 1Y Target Price 80.65 |
Price to earnings Ratio 13.92 | 1Y Target Price 80.65 | ||
Volume (30-day avg) 3.7M shares | Beta 1 | 52 Weeks Range 46.55 - 75.33 | Updated Date 10/01/2026 |
52 Weeks Range 46.55 - 75.33 | Updated Date 10/01/2026 | ||
Dividends yield (FY) 2.82% | Basic EPS (TTM) 4.58 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and securities minus interest paid on deposits. | This is the core 'spread' business, earning money on the difference between loan interest and deposit costs. |
| Non-Interest Income | Service charges, fees from wealth management, and capital markets advisory services. | These represent diversified fee-based revenue streams that help reduce reliance on net interest margins. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 13.92 | Forward PE 9.93 | Enterprise Value 31.45B | Price to Sales(TTM) 3.29 |
Enterprise Value 31.45B | Price to Sales(TTM) 3.29 | ||
Enterprise Value to Revenue 5.23 | 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 100.1 |
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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