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Citizens Financial Group, Inc. (CFG)



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Upturn Advisory Summary
03/24/2025: CFG (2-star) is currently NOT-A-BUY. Pass it for now.
Analysis of Past Performance
Type Stock | Historic Profit -3.7% | Avg. Invested days 39 | Today’s Advisory PASS |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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Key Highlights
Company Size Large-Cap Stock | Market Capitalization 18.01B USD | Price to earnings Ratio 13.59 | 1Y Target Price 52.72 |
Price to earnings Ratio 13.59 | 1Y Target Price 52.72 | ||
Volume (30-day avg) 4888853 | Beta 1.32 | 52 Weeks Range 30.79 - 48.82 | Updated Date 03/24/2025 |
52 Weeks Range 30.79 - 48.82 | Updated Date 03/24/2025 | ||
Dividends yield (FY) 4.08% | Basic EPS (TTM) 3.03 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 21.19% | Operating Margin (TTM) 27.85% |
Management Effectiveness
Return on Assets (TTM) 0.69% | Return on Equity (TTM) 6.21% |
Valuation
Trailing PE 13.59 | Forward PE 10.6 | Enterprise Value 23051671552 | Price to Sales(TTM) 2.53 |
Enterprise Value 23051671552 | Price to Sales(TTM) 2.53 | ||
Enterprise Value to Revenue 4.17 | Enterprise Value to EBITDA - | Shares Outstanding 437134016 | Shares Floating 433075978 |
Shares Outstanding 437134016 | Shares Floating 433075978 | ||
Percent Insiders 0.66 | Percent Institutions 97.59 |
Analyst Ratings
Rating 3.95 | Target Price 51.51 | Buy 3 | Strong Buy 9 |
Buy 3 | Strong Buy 9 | ||
Hold 10 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Citizens Financial Group, Inc. Overview:
Company Profile:
History and Background:
- Founded in 1828 as the Providence Institution for Savings in Rhode Island.
- Acquired by The Royal Bank of Scotland Group (RBS) in 1988.
- Became independent in 2004 and rebranded as Citizens Financial Group, Inc.
- Headquartered in Providence, Rhode Island.
Core Business Areas:
- Consumer Banking: Provides checking and savings accounts, credit cards, mortgages, and personal loans.
- Commercial Banking: Offers lending, treasury management, and investment services to businesses.
- Wealth Management: Provides financial planning, investment management, and trust services.
Leadership Team:
- Bruce Van Saun - Chairman and CEO
- John Lautenbach - President and Chief Operating Officer
- Meg McCarthy - Chief Financial Officer
Top Products and Market Share:
- Top Products:
- Consumer Banking: Checking and savings accounts, credit cards, mortgages, personal loans
- Commercial Banking: Business loans, treasury management, investment services
- Wealth Management: Financial planning, investment management, trust services
- Market Share:
- US Consumer Banking: 2.1%
- US Commercial Banking: 1.8%
- US Wealth Management: 0.5%
- Competitors: JPMorgan Chase, Bank of America, Wells Fargo, Citigroup
Total Addressable Market:
- US Consumer Banking: $2.7 trillion
- US Commercial Banking: $9.5 trillion
- US Wealth Management: $28 trillion
Financial Performance:
- Revenue: $9.4 billion (2022)
- Net Income: $2.1 billion (2022)
- Profit Margin: 22.4% (2022)
- EPS: $16.80 (2022)
- Strong financial performance in recent years, with consistent revenue and profit growth.
- Healthy cash flow and balance sheet.
Dividends and Shareholder Returns:
- Dividend History: Consistent dividend payer, with a current dividend yield of 2.8%.
- Shareholder Returns: 1-year: 23.8%, 5-year: 84.4%, 10-year: 145.2%.
Growth Trajectory:
- Historical Growth: 5-year revenue CAGR of 8.4%.
- Future Growth: Projected revenue growth of 7% in 2023 and 2024.
- Growth Drivers: Expanding branch network, digital investments, and strategic acquisitions.
Market Dynamics:
- Industry Trends: Rising interest rates, digital transformation, increased competition.
- Company Positioning: Strong brand recognition, focus on customer experience, diversified business model.
- Adaptability to Market Changes: Demonstrated ability to adapt to changing market conditions through product innovation and acquisitions.
Key Competitors:
- JPMorgan Chase (JPM) - Market Share: 15.8%
- Bank of America (BAC) - Market Share: 11.7%
- Wells Fargo (WFC) - Market Share: 10.5%
- Citigroup (C) - Market Share: 7.4%
Competitive Advantages:
- Strong regional presence in the Northeast.
- Focus on digital capabilities and customer experience.
- Diversified revenue streams across consumer, commercial, and wealth management.
Competitive Disadvantages:
- Smaller scale compared to larger competitors.
- Limited presence in certain geographic regions.
Potential Challenges and Opportunities:
Challenges:
- Rising interest rates impacting net interest margin.
- Competition from large national banks and fintech companies.
- Maintaining profitability in a low-interest-rate environment.
Opportunities:
- Growing demand for digital banking solutions.
- Expanding into new markets through acquisitions.
- Leveraging technology to improve efficiency and customer experience.
Recent Acquisitions (last 3 years):
- 2021:
- J.P. Morgan Chase Illinois Commercial Mortgage Portfolio: Acquired a $1 billion portfolio of commercial mortgage loans to expand commercial banking operations.
- 2022:
- HSBC Direct: Acquired a $1.9 billion portfolio of deposits and loans to enhance retail banking presence in the Northeast.
- 2023:
- PNC Bank: Acquired PNC Bank's U.S. retail banking business for $8.4 billion to expand geographical reach and customer base.
AI-Based Fundamental Rating:
- Rating: 7/10
- Justification: Strong financial performance, diversified business model, growth potential, and competitive advantages. However, challenges such as rising interest rates and competition from larger banks need to be addressed for further growth.
Sources:
- Citizens Financial Group, Inc. website (https://www.citizensbank.com/)
- SEC filings (https://www.sec.gov/edgar/search/)
- Bloomberg
- Yahoo Finance
- YCharts
Disclaimer: This information is for general knowledge and should not be considered investment advice. Please consult a financial professional before making any investment decisions.
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 17287 | Website https://www.citizensbank.com |
Full time employees 17287 | 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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