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Upturn stock ratingUpturn stock rating
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Citizens Financial Group, Inc. (CFG)

Upturn stock ratingUpturn stock rating
$47.67
Last Close (24-hour delay)
Profit since last BUY14.62%
upturn advisory
Strong Buy
BUY since 40 days
  • BUY Advisory
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  • SELL Advisory (Loss)​
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Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
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Time period over
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Upturn Advisory Summary

07/11/2025: CFG (3-star) is a STRONG-BUY. BUY since 40 days. Profits (14.62%). Updated daily EoD!

Upturn Star Rating

rating

Moderate Performance

These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.

Number of Analysts

rating

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

Analysts Price Target For last 52 week
$47.74 Target price
52w Low $32.24
Current$47.67
52w High $48.28

Analysis of Past Performance

Type Stock
Historic Profit 23.09%
Avg. Invested days 44
Today’s Advisory Strong Buy
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 3.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 07/11/2025

Key Highlights

Company Size Large-Cap Stock
Market Capitalization 20.67B USD
Price to earnings Ratio 15.13
1Y Target Price 47.74
Price to earnings Ratio 15.13
1Y Target Price 47.74
Volume (30-day avg) 21
Beta 1.07
52 Weeks Range 32.24 - 48.28
Updated Date 07/13/2025
52 Weeks Range 32.24 - 48.28
Updated Date 07/13/2025
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 15.13
Forward PE 12.53
Enterprise Value 21729798144
Price to Sales(TTM) 2.9
Enterprise Value 21729798144
Price to Sales(TTM) 2.9
Enterprise Value to Revenue 4.52
Enterprise Value to EBITDA -
Shares Outstanding 433648992
Shares Floating 429568480
Shares Outstanding 433648992
Shares Floating 429568480
Percent Insiders 0.68
Percent Institutions 97.63

ai summary icon Upturn AI SWOT

Citizens Financial Group, Inc.

stock logo

Company Overview

overview logo 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 17315

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.