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Upturn AI SWOT - About
Citizens Financial Group, Inc (CFG-PH)
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Upturn Advisory Summary
08/14/2025: 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 -0.47% | Avg. Invested days 40 | 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 08/14/2025 |
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 became part of the Royal Bank of Scotland Group in 1988 and was spun off in an IPO in 2014. Citizens has grown organically and through acquisitions to become a major regional bank.
Core Business Areas
- Consumer Banking: Offers a range of retail banking products and services, including checking and savings accounts, mortgages, personal loans, and credit cards.
- Commercial Banking: Provides commercial lending, treasury services, and capital markets solutions to middle-market companies and small businesses.
- Wealth Management: Offers investment management, financial planning, and trust services to high-net-worth individuals and families.
Leadership and Structure
The current CEO is Bruce Van Saun. The company operates with a traditional corporate structure with a board of directors and executive management team overseeing the various business lines.
Top Products and Market Share
Key Offerings
- Mortgages: Citizens offers a variety of mortgage products. Market share information for specific mortgage products is difficult to precisely quantify. Competitors include Bank of America (BAC), Wells Fargo (WFC), and JPMorgan Chase (JPM). Revenue from mortgage banking activities is included in the overall interest income and noninterest income figures reported in their financial statements.
- Commercial Lending: Citizens provides loans to middle-market and small businesses. Competitors include regional banks like PNC Financial Services (PNC) and Truist Financial (TFC), as well as national players.
- Checking Accounts: Citizens provides checking accounts. The market for checking accounts is highly competitive and fragmented. Competitors include large national banks and credit unions. Revenue from checking accounts comes from fees such as overdraft fees, as well as from the spread between the cost of funds and interest earned on loans funded by deposits.
Market Dynamics
Industry Overview
The banking industry is currently navigating a complex environment of rising interest rates, inflation, and potential economic slowdown. Increased competition from fintech companies also is a significant factor.
Positioning
Citizens Financial Group is a large regional bank with a strong presence in the Northeast and Midwest. Their focus on middle-market commercial lending and a diversified retail banking business model provide a competitive advantage.
Total Addressable Market (TAM)
The TAM for banking services is immense, encompassing all individuals and businesses requiring financial products and services. Citizens is positioned to capture a portion of this TAM through its regional focus, diversified offerings, and ongoing investments in technology and customer experience.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Northeast and Midwest
- Diversified business model with consumer and commercial banking
- Experienced management team
- Growing digital capabilities
- Solid capital position
Weaknesses
- Smaller market capitalization compared to national banks
- Geographic concentration limits growth opportunities
- Exposure to regional economic cycles
- Reliance on net interest income
- Slower growth in emerging markets
Opportunities
- Expansion into new geographic markets
- Increased adoption of digital banking services
- Growth in wealth management business
- Acquisition of smaller banks
- Strategic partnerships with fintech companies
Threats
- Rising interest rates and potential recession
- Increased competition from fintech companies
- Regulatory changes
- Cybersecurity risks
- Economic downturns
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- PNC
- TFC
Competitive Landscape
Citizens competes with larger national banks and regional peers. Its strengths lie in its regional focus, customer service, and relationships with middle-market businesses. However, it faces challenges in scale and brand recognition compared to its larger competitors.
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.
Clarfeld Financial Advisors
- Year: 2019
- Acquisition Price (USD millions):
- Strategic Rationale: Enhanced wealth management capabilities.
Growth Trajectory and Initiatives
Historical Growth: Requires historical financial performance data.
Future Projections: Requires access to analyst estimates.
Recent Initiatives: Requires information on recent press releases and company announcements.
Summary
Citizens Financial Group is a large regional bank with a diversified business model. Its strengths include its strong regional presence and focus on middle-market lending. However, it faces challenges from larger national banks and fintech companies, and needs to continually invest in technology and customer experience to maintain its competitive position and grow.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market data is 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 - | 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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