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Upturn AI SWOT - About
CFG 
Citizens Financial Group, Inc. (CFG)
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Upturn Advisory Summary
04/01/2025: CFG (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -3.7% | Avg. Invested days 39 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 17.91B USD | Price to earnings Ratio 13.52 | 1Y Target Price 51.83 |
Price to earnings Ratio 13.52 | 1Y Target Price 51.83 | ||
Volume (30-day avg) 4992571 | Beta 1.32 | 52 Weeks Range 30.79 - 48.82 | Updated Date 04/1/2025 |
52 Weeks Range 30.79 - 48.82 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 4.10% | Basic EPS (TTM) 3.03 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 21.19% | Operating Margin (TTM) 27.85% |
Management Effectiveness
Return on Assets (TTM) 0.69% | Return on Equity (TTM) 6.21% |
Valuation
Trailing PE 13.52 | Forward PE 10.55 | Enterprise Value 22955501568 | Price to Sales(TTM) 2.51 |
Enterprise Value 22955501568 | Price to Sales(TTM) 2.51 | ||
Enterprise Value to Revenue 4.16 | Enterprise Value to EBITDA - | Shares Outstanding 437134016 | Shares Floating 433075978 |
Shares Outstanding 437134016 | Shares Floating 433075978 | ||
Percent Insiders 0.66 | Percent Institutions 97.59 |
Analyst Ratings
Rating 3.95 | Target Price 51.51 | Buy 3 | Strong Buy 9 |
Buy 3 | Strong Buy 9 | ||
Hold 10 | Sell - | Strong Sell - | |
Strong Sell - |
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 has grown through acquisitions and organic expansion to become one of the largest retail banks in the United States.
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 lending, treasury management, and capital markets solutions to middle-market companies, small businesses, and institutional clients.
- Wealth Management: Delivers financial planning, investment management, and trust services to high-net-worth individuals and families.
Leadership and Structure
The CEO is Bruce Van Saun. The company operates with a traditional corporate structure, with various divisions reporting to executive leadership.
Top Products and Market Share
Key Offerings
- Market Share (%): 4
- Mortgages: Offers fixed-rate and adjustable-rate mortgages. Market share data varies by region, but they are a significant player. Competitors include Bank of America (BAC), Wells Fargo (WFC), and JPMorgan Chase (JPM).
- Commercial Lending: Provides loans to businesses of various sizes. Competitors include regional and national banks.
- Market Share (%): 2.5
- Credit Cards: Offers several card options with varying rewards. The competitive landscape is dominated by large issuers like American Express (AXP), Capital One (COF), and Chase (JPM).
- Market Share (%): 1.2
Market Dynamics
Industry Overview
The banking industry is currently characterized by rising interest rates, increased competition from fintech companies, and evolving regulatory requirements.
Positioning
Citizens Financial Group, Inc. positions itself as a customer-focused bank with a strong presence in the Northeast and Midwest. Its competitive advantages include its regional expertise and its focus on middle-market companies.
Total Addressable Market (TAM)
The total addressable market for banking services is in the trillions of dollars. Citizens Financial Group, Inc. is positioned to capture a share of this market through its regional focus and product offerings.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Northeast and Midwest
- Diversified revenue streams
- Solid capital position
- Experienced management team
Weaknesses
- Limited international presence
- Dependence on interest rate environment
- Operational inefficiencies
- Lower brand awareness compared to larger national banks
Opportunities
- Expansion into new geographic markets
- Increased adoption of digital banking technologies
- Acquisition of smaller regional banks
- Growth in wealth management business
Threats
- Increased competition from fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- USB
Competitive Landscape
Citizens Financial Group, Inc. competes with larger national banks and smaller regional banks. Its advantages include its regional expertise and its focus on middle-market companies. Its disadvantages include its limited international presence and lower brand awareness compared to larger national banks.
Major Acquisitions
Investors Bancorp
- Year: 2022
- Acquisition Price (USD millions): 6300
- Strategic Rationale: Expanded presence in the New York metropolitan area.
Growth Trajectory and Initiatives
Historical Growth: Citizens Financial Group, Inc. has experienced steady growth in revenue and earnings over the past few years.
Future Projections: Analysts project continued growth in the coming years, driven by expansion into new markets and increased adoption of digital banking technologies.
Recent Initiatives: Recent strategic initiatives include investments in digital banking, expansion into new geographic markets, and acquisitions of smaller regional banks.
Summary
Citizens Financial Group exhibits strengths through its regional focus and diversified services, but faces challenges from larger competitors and fintech innovation. Growth initiatives are promising, yet the bank needs to enhance its digital presence and brand awareness. A healthy financial position and strategic acquisitions bolster its outlook, but economic uncertainties demand careful risk management. The company's future success hinges on adapting to the evolving banking landscape and capitalizing on emerging opportunities.
Similar Companies
- PNC
- KEY
- RF
- HBAN
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Earnings Call Transcripts
- Analyst Reports
- Market Research Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on your own research and due diligence.
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 2014-09-24 | CEO & Chairman of the Board Mr. Bruce Winfield Van Saun | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 17287 | Website https://www.citizensbank.com |
Full time employees 17287 | 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, large corporations, and institutions in the United States. The company operates through 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 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 multi-family, office, industrial, retail, healthcare, and hospitality sectors. 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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