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Upturn AI SWOT - About
Citizens Financial Group, Inc (CFG-PH)
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Upturn Advisory Summary
09/17/2025: CFG-PH (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit 1.4% | Avg. Invested days 48 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/17/2025 |
Key Highlights
Company Size ETF | Market Capitalization 0 USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 1.35 | 52 Weeks Range 23.65 - 26.74 | Updated Date 06/16/2025 |
52 Weeks Range 23.65 - 26.74 | Updated Date 06/16/2025 | ||
Dividends yield (FY) 6.45% | Basic EPS (TTM) - |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 19.43% | Operating Margin (TTM) 24.05% |
Management Effectiveness
Return on Assets (TTM) 0.65% | Return on Equity (TTM) 5.97% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value - | Price to Sales(TTM) - |
Enterprise Value - | Price to Sales(TTM) - | ||
Enterprise Value to Revenue - | Enterprise Value to EBITDA - | Shares Outstanding - | Shares Floating 451175052 |
Shares Outstanding - | Shares Floating 451175052 | ||
Percent Insiders - | Percent Institutions - |
Upturn AI SWOT
Citizens Financial Group, Inc
Company Overview
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 grew through acquisitions and mergers, including the acquisition by the Royal Bank of Scotland Group in 1988. In 2014, Citizens Financial Group completed its initial public offering and became an independent company.
Core Business Areas
- Consumer Banking: Offers a range of banking products and services to individuals, including checking and savings accounts, mortgages, personal loans, credit cards, and investment services.
- Commercial Banking: Provides financial solutions to mid-sized and large corporations, including lending, treasury management, capital markets, and advisory services.
- Wealth Management: Offers wealth management and private banking services to high-net-worth individuals and families.
Leadership and Structure
Bruce Van Saun serves as the Chairman and CEO. The organizational structure includes various divisions led by senior executives, reporting to the CEO, overseeing consumer, commercial, and wealth management operations.
Top Products and Market Share
Key Offerings
- Mortgages: Citizens offers various mortgage products, including fixed-rate, adjustable-rate, and government-insured mortgages. Market share data varies by region. Competitors include Wells Fargo, Bank of America, and JPMorgan Chase.
- Commercial Loans: Citizens provides commercial loans to businesses of various sizes. Market share is regionally focused. Competitors include KeyCorp, PNC, and Truist.
- Treasury Management Services: Offers cash management solutions for commercial customers to help improve and manage cash flow. Competitors include JP Morgan Chase, Bank of America and Wells Fargo.
Market Dynamics
Industry Overview
The banking industry is currently navigating rising interest rates, increased regulatory scrutiny, and evolving customer expectations driven by technology. Competition is intense, with a focus on digital banking and personalized customer experiences.
Positioning
Citizens Financial Group positions itself as a relationship-focused bank with a strong regional presence in the Northeast and Midwest. It aims to provide comprehensive financial solutions to both consumers and businesses.
Total Addressable Market (TAM)
The TAM for banking services in the US is estimated to be in the trillions of dollars. Citizens Financial Group aims to increase its market share by expanding its digital capabilities, targeting specific customer segments, and growing its commercial banking business.
Upturn SWOT Analysis
Strengths
- Strong regional presence in Northeast and Midwest
- Diversified business model
- Solid capital base
- Experienced management team
- Relationship-focused banking approach
Weaknesses
- Limited geographic footprint compared to larger national banks
- Exposure to regional economic conditions
- Relatively smaller market capitalization compared to major competitors
- Dependence on interest rate environment
Opportunities
- Expanding digital banking capabilities
- Acquiring smaller regional banks
- Increasing wealth management services
- Growing commercial banking business
- Leveraging technology for improved efficiency
Threats
- Increased competition from larger national banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- BAC
- WFC
- PNC
- KEY
Competitive Landscape
Citizens Financial Group competes with larger national banks and regional players. It differentiates itself through its relationship-focused approach and strong regional presence. However, it faces challenges in competing with the scale and resources of larger competitors.
Major Acquisitions
Investors Bancorp
- Year: 2022
- Acquisition Price (USD millions): 6300
- Strategic Rationale: Expanded Citizens' footprint in the New York metro area and New Jersey and increased access to retail and commercial customers.
Growth Trajectory and Initiatives
Historical Growth: Citizens Financial Group has experienced moderate growth in recent years, driven by acquisitions and organic growth in its core business segments.
Future Projections: Analyst estimates suggest continued growth in revenue and earnings, driven by expansion in key markets and improved efficiency.
Recent Initiatives: Recent initiatives include investments in digital banking platforms, expansion of wealth management services, and strategic acquisitions.
Summary
Citizens Financial Group demonstrates strengths in its regional presence and diversified business model, but faces challenges from larger competitors and economic factors. Strategic acquisitions have expanded its reach, while investments in digital banking are crucial for future growth. Maintaining a strong capital base and adapting to evolving customer needs are vital for continued success. Economic downturn and regulatory change are potential risk factors.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Investor Presentations
- Analyst Reports
- Company Website
- SEC.gov
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual research and consultation with a qualified financial advisor. Market share estimates are approximate and may vary based on source and methodology.
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 - | CEO & Chairman of the Board Mr. Bruce Winfield Van Saun | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 17354 | Website https://www.citizensbank.com |
Full time employees 17354 | 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, corporations, and institutions in the United States. The company operates in 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 auto, 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 corporate banking, healthcare, technology, asset finance, franchise finance, leasing, asset-based lending, commercial real estate, mid-corporate, and private equity sponsor industries. 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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