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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
10/28/2026: CFG (4-star) is currently NOT-A-BUY. Pass it for now.
Citizens Financial Group is a major regional bank based in the Northeast, providing a comprehensive mix of retail and commercial banking services. The company has successfully executed strategic acquisitions to expand its footprint in key markets like New York, while investing heavily in digital capabilities to remain competitive. Its primary growth story revolves around digital transformation and targeted commercial lending. However, the company faces risks from intensifying competition from national banks and fintechs, as well as economic sensitivity to interest rate cycles. Citizens is generally suited for value and dividend-focused investors, and monitoring its deposit costs and integration efficiency remains essential.
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 economic cycles rather than hyper-growth, though digital initiatives provide a moderate growth angle. |
| Momentum investor | Mixed fit | Momentum is highly dependent on interest rate trends and sector-wide sentiment, requiring a positive upturn signal to be attractive. |
| Value investor | Strong fit | The stock often trades at valuations that may appeal to value investors looking for steady, regulated cash flows at reasonable multiples. |
| Dividend investor | Strong fit | The company historically provides a competitive dividend yield, making it suitable for income-focused portfolios. |
| Low-risk investor | Mixed fit | While established, the bank's exposure to interest rate volatility and economic cycles introduces risks that may concern conservative investors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Bank stocks can experience significant price swings based on interest rate announcements and economic data. |
| Valuation risk | Medium | Valuation is largely tied to book value multiples, which can be compressed during periods of market stress. |
| Competition risk (banking) | High | Intense pressure from fintechs and large national banks forces Citizens to invest heavily to maintain market share. |
| Business quality | Medium | The franchise is well-regarded, though it lacks the sheer scale and diversification of the largest national banks. |
| Dividend income | Low | The dividend is considered stable but is subject to regulatory approval and capital requirements. |
| Execution risk | Medium | Successfully integrating past acquisitions and digital transformation efforts is critical for long-term margin improvement. |
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 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 10/28/2026 |
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 27.51B USD | Price to earnings Ratio 14.23 | 1Y Target Price 76.39 |
Price to earnings Ratio 14.23 | 1Y Target Price 76.39 | ||
Volume (30-day avg) 4.7M shares | Beta 1.06 | 52 Weeks Range 48.00 - 75.33 | Updated Date 10/28/2026 |
52 Weeks Range 48.00 - 75.33 | Updated Date 10/28/2026 | ||
Dividends yield (FY) 2.81% | Basic EPS (TTM) 4.59 |
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 and borrowings. | This is the core engine; as rates rise, Citizens typically earns more from loans, but must pay more to keep deposits. |
| Fee-based Income | Service charges on deposits, wealth management fees, and capital markets advisory fees. | These fees provide a more stable revenue stream that is less dependent on interest rate fluctuations. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-16 | When Before Market | Estimate 1.38 | Actual 1.41 |
Profitability
Profit Margin 27.02% | Operating Margin (TTM) 36.6% |
Management Effectiveness
Return on Assets (TTM) 0.99% | Return on Equity (TTM) 8.9% |
Valuation
Trailing PE 14.23 | Forward PE 10 | Enterprise Value 33.99B | Price to Sales(TTM) 3.28 |
Enterprise Value 33.99B | Price to Sales(TTM) 3.28 | ||
Enterprise Value to Revenue 5.27 | Enterprise Value to EBITDA - | Shares Outstanding 421.22M | Shares Floating 417.08M |
Shares Outstanding 421.22M | Shares Floating 417.08M | ||
Percent Insiders 0.71 | Percent Institutions 100.35 |
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.
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