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Upturn AI SWOT - About
CZFS 
Citizens Financial Services Inc. Common Stock (CZFS)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
10/15/2025: CZFS (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.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $65
1 Year Target Price $65
| 1 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -44.95% | Avg. Invested days 24 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 255.65M USD | Price to earnings Ratio 8.08 | 1Y Target Price 65 |
Price to earnings Ratio 8.08 | 1Y Target Price 65 | ||
Volume (30-day avg) 1 | Beta 0.48 | 52 Weeks Range 49.60 - 73.04 | Updated Date 10/17/2025 |
52 Weeks Range 49.60 - 73.04 | Updated Date 10/17/2025 | ||
Dividends yield (FY) 3.57% | Basic EPS (TTM) 6.58 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 30.33% | Operating Margin (TTM) 41.83% |
Management Effectiveness
Return on Assets (TTM) 1.07% | Return on Equity (TTM) 10.53% |
Valuation
Trailing PE 8.08 | Forward PE 9.27 | Enterprise Value 511996960 | Price to Sales(TTM) 2.45 |
Enterprise Value 511996960 | Price to Sales(TTM) 2.45 | ||
Enterprise Value to Revenue 5.59 | Enterprise Value to EBITDA - | Shares Outstanding 4807314 | Shares Floating 4509116 |
Shares Outstanding 4807314 | Shares Floating 4509116 | ||
Percent Insiders 6.08 | Percent Institutions 27.97 |
Upturn AI SWOT
Citizens Financial Services Inc. Common Stock
Company Overview
History and Background
Citizens Financial Group, Inc. (CFG) traces its roots back to 1828 with the founding of High Street Bank in Providence, Rhode Island. Over time, it grew through acquisitions and organic expansion, eventually becoming part of The Royal Bank of Scotland Group. In 2014, CFG completed its initial public offering and has since operated as an independent, publicly traded company.
Core Business Areas
- Consumer Banking: Provides a range of banking products and services to individuals, including checking and savings accounts, mortgages, personal loans, and credit cards.
- Commercial Banking: Offers banking solutions to businesses of various sizes, including loans, lines of credit, cash management services, and international banking.
- Wealth Management: Provides investment management, financial planning, and trust services to high-net-worth individuals and families.
Leadership and Structure
The leadership team includes Bruce Van Saun (Chairman and CEO). The organizational structure is that of a typical bank holding company, with various divisions reporting to executive leadership.
Top Products and Market Share
Key Offerings
- Mortgages: Offers various mortgage products for home purchase and refinance. Market share data is dispersed among many national and regional players. Competitors include Bank of America (BAC), JPMorgan Chase (JPM), and Wells Fargo (WFC).
- Commercial Loans: Provides loans and credit facilities to businesses. Market share varies by region and industry. Key competitors include regional and national banks like PNC Financial Services (PNC) and U.S. Bancorp (USB).
- Credit Cards: Offers credit cards with rewards and benefits. The company benefits from loyalty from existing customer base and expanding services to existing customers. Competitors include American Express (AXP), Capital One (COF), and Discover (DFS).
Market Dynamics
Industry Overview
The banking industry is currently characterized by rising interest rates, increased regulatory scrutiny, and growing competition from fintech companies. Consolidation continues and smaller companies are struggling to compete
Positioning
Citizens Financial Group is a regional bank with a strong presence in the Northeast and Midwest. It aims to provide personalized service and tailored solutions to its customers. They are expanding services to meet the needs of its existing customers.
Total Addressable Market (TAM)
The TAM for banking services is immense, encompassing all individuals and businesses requiring financial services. Citizens Financial Group is positioned to capture a share of this market by focusing on specific regions and customer segments.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Diversified revenue streams
- Experienced management team
- Customer-centric approach
Weaknesses
- Geographic concentration
- Reliance on interest income
- Smaller scale compared to national banks
- Expense ratios are higher than their competitors due to inefficiencies
Opportunities
- Expansion into new markets
- Growth in wealth management
- Adoption of digital technologies
- Strategic acquisitions
Threats
- Rising interest rates
- Increased competition from fintech
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- BAC
- JPM
- WFC
- PNC
- USB
Competitive Landscape
Citizens Financial Group competes with large national banks, regional banks, and fintech companies. Its advantages include its strong regional presence and customer-centric approach. Disadvantages include its smaller scale compared to larger competitors and geographical constraints.
Major Acquisitions
Investors Bancorp
- Year: 2022
- Acquisition Price (USD millions): 6140
- Strategic Rationale: Expanded CFG's presence in the New York metropolitan area and New Jersey, providing access to new customers and markets. They also acquired HSBC's East Coast branches.
Growth Trajectory and Initiatives
Historical Growth: Historical financial data is needed to perform this analysis.
Future Projections: Consult analyst reports for future growth projections.
Recent Initiatives: Recent initiatives include digital transformation efforts and expansion into new markets through acquisitions and organic growth.
Summary
Citizens Financial Group has demonstrated a consistent expansion in recent years via organic growth and strategic acquisitions, bolstering its regional footprint. While well-positioned in the Northeast and Midwest, the company encounters obstacles from bigger national rivals and upcoming fintech firms. Digitalization, and prudent risk management are key for sustained growth. Continued smart acquisitions will enhance Citizens Financial Group market share.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Analyst Reports
- Market Research Reports
- Company Website
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual risk tolerance and financial situation. Market share data are 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 Services Inc. Common Stock
Exchange NASDAQ | Headquaters Mansfield, PA, United States | ||
IPO Launch date 2001-01-02 | President, CEO & Director Mr. Randall E. Black | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 380 | |
Full time employees 380 | |||
Citizens Financial Services, Inc., a bank holding company, provides various banking products and services for individual, business, governmental, and institutional customers. The company offers various deposit products, such as checking, savings, and time deposit accounts. Its loan products include residential, commercial, and agricultural real estate loans; commercial and industrial loans; state and political subdivision loans; and consumer loans, as well as various other specialized financial services. The company also provides professional trust administration, investment management services, estate planning and administration, custody of securities, and individual retirement accounts. In addition, it offers brokerage and financial planning services, as well as assistance in various oil and gas leasing matters; and provides mutual funds, annuities, and health and life insurance products. Citizens Financial Services, Inc. was incorporated in 1984 and is headquartered in Mansfield, Pennsylvania.
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