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Upturn AI SWOT - About
CFG 
Citizens Financial Group, Inc. (CFG)
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Upturn Advisory Summary
08/28/2025: CFG (3-star) is a STRONG-BUY. BUY since 74 days. Profits (26.51%). Updated daily EoD!
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 $55.47
1 Year Target Price $55.47
| 10 | Strong Buy |
| 3 | Buy |
| 8 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 35.9% | Avg. Invested days 48 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 22.50B USD | Price to earnings Ratio 15.9 | 1Y Target Price 55.47 |
Price to earnings Ratio 15.9 | 1Y Target Price 55.47 | ||
Volume (30-day avg) 21 | Beta 1.12 | 52 Weeks Range 31.96 - 52.52 | Updated Date 08/29/2025 |
52 Weeks Range 31.96 - 52.52 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 3.24% | Basic EPS (TTM) 3.28 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 22.09% | Operating Margin (TTM) 29.58% |
Management Effectiveness
Return on Assets (TTM) 0.73% | Return on Equity (TTM) 6.48% |
Valuation
Trailing PE 15.9 | Forward PE 13.51 | Enterprise Value 28093163520 | Price to Sales(TTM) 3.12 |
Enterprise Value 28093163520 | Price to Sales(TTM) 3.12 | ||
Enterprise Value to Revenue 4.75 | Enterprise Value to EBITDA - | Shares Outstanding 431348992 | Shares Floating 427082947 |
Shares Outstanding 431348992 | Shares Floating 427082947 | ||
Percent Insiders 0.69 | Percent Institutions 98.12 |
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 has grown through acquisitions and organic expansion to become a significant regional bank. In 2014, it was divested from the Royal Bank of Scotland (RBS) through an IPO.
Core Business Areas
- Consumer Banking: Offers a range of banking products and services to individuals, including checking and savings accounts, mortgages, personal loans, and credit cards.
- Commercial Banking: Provides banking and financial solutions to businesses, including loans, treasury services, and capital markets products.
- Wealth Management: Offers investment management, financial planning, and trust services to high-net-worth individuals and families.
Leadership and Structure
The CEO of Citizens Financial Group, Inc. is Bruce Van Saun. The organizational structure is typical of a large regional bank, with divisions for consumer banking, commercial banking, and wealth management. It uses a matrix organization structure
Top Products and Market Share
Key Offerings
- Mortgages: Citizens offers a variety of mortgage products. The mortgage market is highly competitive, with major players like JPMorgan Chase (JPM), Bank of America (BAC), and Wells Fargo (WFC). Citizens' market share is estimated to be around 1-2% nationally.
- Commercial Loans: Citizens provides loans to businesses of various sizes. Competitors include large national banks and regional players like PNC Financial Services (PNC) and U.S. Bancorp (USB). Market share varies by region and loan type.
- Checking Accounts: Citizens offers a range of checking account products. Competitors for consumer banking include Bank of America, Wells Fargo, and Chase. Their market share is primarily concentrated in the Northeast.
Market Dynamics
Industry Overview
The banking industry is currently facing headwinds from rising interest rates, increased competition from fintech companies, and regulatory pressures.
Positioning
Citizens Financial Group, Inc. is positioned as a leading regional bank with a strong presence in the Northeast and Midwest. Its competitive advantages include its branch network, customer relationships, and focus on digital innovation.
Total Addressable Market (TAM)
The TAM for US banking services is estimated to be in the trillions of dollars. Citizens is positioned to capture a share of this market through its regional focus and expansion strategies.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Diversified business model
- Experienced management team
- Growing digital capabilities
- Solid capital position
Weaknesses
- Geographic concentration
- Reliance on net interest income
- Less brand recognition compared to larger national banks
- Exposure to regional economic downturns
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Growth in wealth management business
- Acquisitions of smaller banks
- Increasing interest rates environment
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturns
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- PNC
- USB
Competitive Landscape
Citizens Financial Group, Inc. faces intense competition from larger national banks and regional players. It competes on customer service, product offerings, and digital capabilities. Its strengths lie in its regional focus and customer relationships, while its weaknesses include its smaller scale and brand recognition compared to national banks.
Major Acquisitions
Investors Bancorp
- Year: 2022
- Acquisition Price (USD millions): 6100
- Strategic Rationale: Expanded Citizens' footprint in the New York Metro area and New Jersey.
Growth Trajectory and Initiatives
Historical Growth: Data Not Readily Available
Future Projections: Data Not Readily Available
Recent Initiatives: Citizens has been focused on expanding its digital capabilities and growing its wealth management business. It has also made strategic acquisitions to expand its geographic footprint.
Summary
Citizens Financial Group is a strong regional bank with a diversified business model and a solid capital position. It is focused on expanding its digital capabilities and growing its wealth management business. However, it faces challenges from rising interest rates, increased competition from fintech companies, and regional economic downturns. Recent acquisitions have expanded its reach, but it must manage integration risks effectively.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
- Market data providers
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions and company performance are subject to change.
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 17677 | Website https://www.citizensbank.com |
Full time employees 17677 | 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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