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Upturn AI SWOT - About
Citizens Financial Group, Inc (CFG-PH)
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Upturn Advisory Summary
04/01/2025: 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.
AI Based Fundamental 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 -0.46% | Avg. Invested days 30 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
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) 31858 | Beta 1.35 | 52 Weeks Range 23.48 - 26.74 | Updated Date 02/17/2025 |
52 Weeks Range 23.48 - 26.74 | Updated Date 02/17/2025 | ||
Dividends yield (FY) 6.27% | 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 - |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | 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 in Providence, Rhode Island. Originally Citizens Savings Bank, it evolved into a regional and later national banking institution through organic growth and acquisitions. It was formerly a subsidiary of the Royal Bank of Scotland Group and became fully independent in 2015.
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 financial solutions to middle-market companies, including lending, treasury management, capital markets, and advisory services.
- Wealth Management: Provides 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 company operates with a board of directors and a management team overseeing various business lines and support functions.
Top Products and Market Share
Key Offerings
- Mortgages: Citizens offers a variety of mortgage products including fixed-rate, adjustable-rate, and government-backed loans. Market share varies regionally but is estimated to be around 1-2% nationally. Competitors include Wells Fargo, JPMorgan Chase, and Bank of America.
- Commercial Lending: Provides loans to businesses for various purposes, including working capital, expansion, and acquisitions. Competitors include larger national banks, regional banks, and private credit firms.
- Wealth Management: Offers investment advice and portfolio management services to high-net-worth clients. Competitors include wirehouses like Morgan Stanley and Merrill Lynch, as well as RIAs.
Market Dynamics
Industry Overview
The banking industry is currently navigating a complex environment influenced by interest rate fluctuations, regulatory changes, and technological advancements. Increased competition from fintech companies and changing consumer preferences are also key factors.
Positioning
Citizens Financial Group, Inc. positions itself as a relationship-focused bank, emphasizing customer service and tailored financial solutions. It aims to compete with larger national banks by offering a more personalized experience.
Total Addressable Market (TAM)
The TAM for banking services in the US is estimated to be in the trillions of dollars. Citizens Financial Group, Inc. is positioned to capture a portion of this market through its regional presence and targeted offerings.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Northeast and Midwest
- Diversified business model with consumer, commercial, and wealth management segments
- Experienced management team
- Solid capital position
- Strong brand recognition in core markets
Weaknesses
- Less brand recognition nationally compared to larger banks
- Reliance on interest rate environment
- Higher cost structure compared to some fintech competitors
- Limited international presence
Opportunities
- Expansion into new geographic markets
- Increased adoption of digital banking technologies
- Growing demand for wealth management services
- Potential acquisitions to expand market share
- Growing demand for sustainable financing
Threats
- Increasing competition from fintech companies
- Economic downturn impacting loan demand and credit quality
- Rising interest rates impacting profitability
- Cybersecurity threats
- Regulatory changes increasing compliance costs
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- PNC
- USB
Competitive Landscape
Citizens Financial Group, Inc. faces intense competition from larger national banks and smaller regional players. Its competitive advantage lies in its regional focus and customer service.
Major Acquisitions
Investors Bancorp
- Year: 2022
- Acquisition Price (USD millions): 6300
- Strategic Rationale: Expanded Citizens' footprint in the New York metro area and New Jersey.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by organic expansion and strategic acquisitions.
Future Projections: Future growth projections depend on economic conditions, interest rates, and the company's ability to execute its strategy.
Recent Initiatives: Recent initiatives include investments in digital banking platforms and expansion into new markets.
Summary
Citizens Financial Group is a well-established regional bank with a diversified business model. Its strong regional presence and focus on customer relationships are key strengths. Challenges include competition from larger banks and fintech companies, as well as navigating a dynamic economic environment.
Similar Companies
FITB
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FITB
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HBAN
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HBAN
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KEY
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KEY
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PNC
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PNC
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RF
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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 share estimates are approximate.
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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