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Upturn AI SWOT - About
Citizens Financial Group, Inc (CFG-PH)
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Upturn Advisory Summary
07/16/2025: 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.
Number of Analysts
0 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
Analysis of Past Performance
Type Stock | Historic Profit -2.57% | Avg. Invested days 33 | 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 07/16/2025 |
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. was founded in 1828 as High Street Bank in Providence, Rhode Island. It grew organically and through acquisitions, becoming a major regional bank. It was formerly owned by The Royal Bank of Scotland Group and went public in 2014.
Core Business Areas
- Consumer Banking: Offers a wide range of banking products and services to individuals, including checking and savings accounts, mortgages, personal loans, and credit cards.
- Commercial Banking: Provides financial solutions to businesses, including loans, treasury management, and investment banking services.
- Wealth Management: Offers financial planning, investment management, and trust services to high-net-worth individuals and families.
Leadership and Structure
Bruce Van Saun serves as the Chairman and CEO. The company is organized into various business lines, including consumer banking, commercial banking, and wealth management, each headed by senior executives.
Top Products and Market Share
Key Offerings
- Mortgages: Citizens offers a variety of mortgage products to help customers purchase or refinance homes. Market share data is difficult to obtain precisely, but Citizens is a major mortgage lender in its geographic footprint. Competitors include JPM, BAC, WFC.
- Commercial Loans: Citizens provides loans to businesses of various sizes. Revenue generated from commercial loans is a significant portion of their overall revenue. Competitors include JPM, BAC, USB.
- Credit Cards: Citizens offers a range of credit card products. Citizens has a smaller footprint than national players. Competitors include JPM, BAC, AXP.
Market Dynamics
Industry Overview
The banking industry is currently navigating a complex environment with rising interest rates, increasing regulatory scrutiny, and evolving customer expectations driven by technology. Consolidation trends continue.
Positioning
Citizens is a super-regional bank with a strong presence in the Northeast and Midwest. Its competitive advantage lies in its strong customer relationships and focus on providing personalized service. However, it does not have the global scale of JPM or BAC.
Total Addressable Market (TAM)
The TAM for banking services in the US is estimated to be in the trillions of dollars. Citizens is positioned to capture a portion of this market through its regional focus and diversified offerings.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Diversified revenue streams
- Experienced management team
- Strong customer relationships
Weaknesses
- Limited global presence
- Smaller scale compared to larger national banks
- Potential for higher operating expenses compared to online-only banks
Opportunities
- Expansion into new markets
- Increased adoption of digital banking services
- Acquisitions of smaller banks
- Growth in wealth management services
Threats
- Increased competition from fintech companies
- Rising interest rates
- Economic downturns
- Regulatory changes
Competitors and Market Share
Key Competitors
- JPMorgan Chase & Co. (JPM)
- Bank of America Corporation (BAC)
- Wells Fargo & Company (WFC)
- U.S. Bancorp (USB)
Competitive Landscape
Citizens Financial Group competes with larger national banks and smaller regional banks. Its advantages include a strong regional presence and personalized service, while its disadvantages include its smaller scale and limited global reach.
Major Acquisitions
Investors Bancorp
- Year: 2022
- Acquisition Price (USD millions): 6300
- Strategic Rationale: Expanded Citizens' footprint in the New York metropolitan area and New Jersey.
Growth Trajectory and Initiatives
Historical Growth: Citizens has grown both organically and through acquisitions. Its historical growth rate can be assessed by examining its revenue and earnings growth over the past several years.
Future Projections: Future growth projections can be found in analyst reports and company presentations. Look for estimates of revenue growth, earnings growth, and expansion into new markets.
Recent Initiatives: Recent initiatives include investments in digital banking, expansion into new geographic areas, and acquisitions of smaller companies.
Summary
Citizens Financial Group is a strong regional bank with a diversified business model and a solid presence in the Northeast and Midwest. It has grown through acquisitions and organic initiatives. Rising interest rates and competition from larger banks represent challenges. Continued investment in digital transformation is critical for future success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Investor Relations Materials
- Analyst Reports
- Industry Publications
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute financial advice. Market share data is approximate and may vary depending on the source.
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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