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Citizens Financial Group, Inc (CFG-PH)
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Upturn Advisory Summary
11/03/2025: CFG-PH (1-star) is currently NOT-A-BUY. Pass it for now.
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 2.13% | Avg. Invested days 69 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/03/2025 |
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 when it was founded as High Street Bank in Providence, Rhode Island. Through acquisitions and organic growth, it has evolved into a major regional bank, spinning off from RBS in 2014 and becoming a publicly traded company. Key milestones include expansions throughout the Northeast and Midwest.
Core Business Areas
- Consumer Banking: Offers a range of banking services including checking and savings accounts, mortgages, personal loans, and credit cards. Focuses on retail customers and small businesses.
- Commercial Banking: Provides commercial lending, treasury management, and capital markets services to middle-market companies, large corporations, and institutional clients.
- 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 includes executive leadership teams overseeing various business lines and support functions, reporting to the CEO. A Board of Directors provides oversight and strategic guidance.
Top Products and Market Share
Key Offerings
- Mortgages: Citizens offers a variety of mortgage products. Market share data is variable and dependent on geographic area, with competition from national lenders like Wells Fargo and JPMorgan Chase and regional players.
- Commercial Loans: Citizens provides loans to businesses of varying sizes. Competitors include Bank of America, PNC, and regional banks. Revenue data isn't publicly available, but it represents a significant portion of their Commercial Banking segment revenue.
- Checking Accounts: Citizens offers various checking account options to consumers and small businesses. Competitors include national banks such as Chase and Bank of America, as well as online banks.
Market Dynamics
Industry Overview
The banking industry is currently characterized by rising interest rates, increased regulatory scrutiny, and increasing competition from fintech companies. Consolidation is also a factor. The US Banking sector is stable due to government support.
Positioning
Citizens Financial Group, Inc. positions itself as a regional bank with a strong focus on customer service and local market expertise. Its competitive advantages include its established branch network and its expertise in commercial lending.
Total Addressable Market (TAM)
The total addressable market for banking services in the United States is estimated to be in the trillions of dollars. Citizens is a regional player, focusing on specific geographic areas and customer segments. Their market position is significant within the Northeast and Midwest, but small compared to the entire US TAM.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Northeast and Midwest
- Diversified revenue streams (consumer and commercial banking)
- Experienced management team
- Solid capital position
Weaknesses
- Limited geographic reach compared to national banks
- Susceptible to regional economic downturns
- Reliance on traditional banking model in a rapidly changing fintech landscape
- Brand awareness not as strong as larger competitors.
Opportunities
- Expansion into new geographic markets
- Increased investment in digital banking technology
- Acquisition of smaller banks or fintech companies
- Growing demand for wealth management services
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic recession
- Regulatory changes
Competitors and Market Share
Key Competitors
- JPM
- BAC
- PNC
- USB
Competitive Landscape
Citizens is a regional powerhouse with a strong presence in specific geographic areas. It competes with national banks by offering personalized service and local market knowledge, but lacks the scale and resources of the largest players.
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 through acquisitions and organic expansion in key markets.
Future Projections: Future growth projections are reliant on analyst reports, generally projecting single-digit percentage growth in revenue and earnings, depending on market conditions and acquisition activity.
Recent Initiatives: Recent initiatives include investments in digital banking platforms and expansion of wealth management services.
Summary
Citizens Financial Group is a strong regional bank with a solid presence in the Northeast and Midwest. Its diversified revenue streams and experienced management team are working well, but it faces increasing competition from fintech companies. The company needs to continue to invest in digital technology and expand its geographic reach to remain competitive.
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Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Analyst Reports
- Market Research Reports
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Data may be outdated. Consult a financial professional for personalized investment recommendations.
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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