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CFG 
Citizens Financial Group, Inc. (CFG)
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Upturn Advisory Summary
11/03/2025: CFG (3-star) is currently NOT-A-BUY. Pass it for now.
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 $61.83
1 Year Target Price $61.83
| 10 | Strong Buy |
| 3 | Buy |
| 8 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 25.98% | Avg. Invested days 53 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/03/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 21.95B USD | Price to earnings Ratio 14.25 | 1Y Target Price 61.83 |
Price to earnings Ratio 14.25 | 1Y Target Price 61.83 | ||
Volume (30-day avg) 21 | Beta 1.14 | 52 Weeks Range 31.67 - 54.74 | Updated Date 11/3/2025 |
52 Weeks Range 31.67 - 54.74 | Updated Date 11/3/2025 | ||
Dividends yield (FY) 3.32% | Basic EPS (TTM) 3.57 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-15 | When Before Market | Estimate 1.03 | Actual 1.05 |
Profitability
Profit Margin 22.89% | Operating Margin (TTM) 32.03% |
Management Effectiveness
Return on Assets (TTM) 0.77% | Return on Equity (TTM) 6.71% |
Valuation
Trailing PE 14.25 | Forward PE 10.55 | Enterprise Value 22387021824 | Price to Sales(TTM) 2.95 |
Enterprise Value 22387021824 | Price to Sales(TTM) 2.95 | ||
Enterprise Value to Revenue 4.81 | Enterprise Value to EBITDA - | Shares Outstanding 431453142 | Shares Floating 427026433 |
Shares Outstanding 431453142 | Shares Floating 427026433 | ||
Percent Insiders 0.73 | Percent Institutions 100.02 |
Upturn AI SWOT
Citizens Financial Group, Inc.
Company Overview
History and Background
Citizens Financial Group, Inc. was founded in 1828 as High Street Bank in Providence, Rhode Island. It grew through acquisitions and organic expansion, becoming a major regional bank. It was formerly a subsidiary of The Royal Bank of Scotland Group before its IPO in 2014.
Core Business Areas
- Consumer Banking: Provides a range of financial products and services to individuals, including checking and savings accounts, mortgages, personal loans, and credit cards.
- Commercial Banking: Offers financial solutions to businesses, including commercial lending, treasury management, and capital markets services.
- Wealth Management: Offers investment advice, financial planning, and trust services to high-net-worth individuals and families.
Leadership and Structure
The leadership team includes Bruce Van Saun (Chairman and CEO) and Brendan Coughlin (Vice Chairman and Head of Consumer Banking). The organizational structure is based on business lines, with centralized support functions.
Top Products and Market Share
Key Offerings
- Mortgages: Citizens offers a variety of mortgage products. Market share data is difficult to pinpoint precisely, but Citizens competes with major national lenders like Wells Fargo and JPMorgan Chase, as well as regional players. Competitors include Wells Fargo (WFC), JPMorgan Chase (JPM), Bank of America (BAC), and Rocket Mortgage.
- Commercial Lending: Citizens provides loans and other financial services to businesses of all sizes. The commercial lending market is highly competitive, with many national and regional banks vying for market share. Competitors include Bank of America (BAC), Truist Financial (TFC), and PNC Financial Services (PNC).
- Wealth Management Services: Citizens provides wealth management services to affluent individuals and families. Competitors include firms such as Merrill Lynch (BAC), Morgan Stanley (MS) and UBS (UBS).
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate volatility, increased competition from fintech companies, and regulatory changes.
Positioning
Citizens is a regional bank with a growing national presence. Its competitive advantages include its strong customer relationships, its focus on technology, and its diversified business model.
Total Addressable Market (TAM)
The estimated TAM for the US banking industry is multi-trillion dollars. Citizens Financial Group, Inc., with its regional focus and expansion efforts, is positioned to capture a portion of this market, targeting both individual consumers and commercial clients with its range of financial products and services.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Diversified business model
- Customer-centric approach
- Growing digital capabilities
Weaknesses
- Lower brand recognition compared to national banks
- Geographic concentration in the Northeast and Midwest
- Reliance on interest rate income
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Growth in wealth management business
- Acquisitions of smaller banks
Threats
- Increased competition from fintech companies
- Rising interest rates
- Economic slowdown
- Regulatory changes
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- PNC
- TFC
Competitive Landscape
Citizens Financial Group, Inc. competes with large national banks and regional banks. Its advantages include its strong customer relationships and its focus on technology. Its disadvantages include its lower brand recognition and its geographic concentration.
Major Acquisitions
Investors Bancorp
- Year: 2022
- Acquisition Price (USD millions): 6300
- Strategic Rationale: Expanded Citizens' presence in the New York metropolitan area and New Jersey, adding significant deposit and branch market share.
Growth Trajectory and Initiatives
Historical Growth: Citizens Financial Group, Inc. has grown through organic expansion and acquisitions. Specific growth rates vary depending on the time period.
Future Projections: Future growth is projected to be driven by expansion into new markets, growth in digital banking, and growth in wealth management. Analyst estimates vary.
Recent Initiatives: Recent initiatives include investments in technology, expansion of the branch network, and acquisitions of smaller banks.
Summary
Citizens Financial Group is a regional bank with a strategic focus on expanding its national presence. The company is diversifying its revenue streams through wealth management and digital banking initiatives. Competition from larger national banks and fintech companies presents challenges. Strategic acquisitions provide a way to expand market share and grow revenue. Investors should watch for macroeconomic factors that effect the banking industry.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings (SEC)
- Market research reports
- Financial news articles
- Analyst estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on your own research and due diligence. Market share estimates are approximate and may vary depending on the source. Past Performance is not an Indicator of Future Results.
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 17496 | Website https://www.citizensbank.com |
Full time employees 17496 | 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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