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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
03/13/2025: 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.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit -15.46% | Avg. Invested days 44 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/13/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 274.43M USD | Price to earnings Ratio 9.86 | 1Y Target Price 70 |
Price to earnings Ratio 9.86 | 1Y Target Price 70 | ||
Volume (30-day avg) 10299 | Beta 0.59 | 52 Weeks Range 37.15 - 74.22 | Updated Date 04/2/2025 |
52 Weeks Range 37.15 - 74.22 | Updated Date 04/2/2025 | ||
Dividends yield (FY) 3.43% | Basic EPS (TTM) 5.85 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 28.02% | Operating Margin (TTM) 38.34% |
Management Effectiveness
Return on Assets (TTM) 0.93% | Return on Equity (TTM) 9.6% |
Valuation
Trailing PE 9.86 | Forward PE 9.27 | Enterprise Value 531672096 | Price to Sales(TTM) 2.76 |
Enterprise Value 531672096 | Price to Sales(TTM) 2.76 | ||
Enterprise Value to Revenue 5.51 | Enterprise Value to EBITDA - | Shares Outstanding 4759470 | Shares Floating 4429925 |
Shares Outstanding 4759470 | Shares Floating 4429925 | ||
Percent Insiders 6.88 | Percent Institutions 27.51 |
Analyst Ratings
Rating 5 | Target Price 60 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
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 when it was founded as High Street Bank in Providence, Rhode Island. Over time, it expanded through acquisitions and organic growth, becoming a major regional bank. It was formerly a subsidiary of the Royal Bank of Scotland Group. In 2014, CFG completed its initial public offering and is now an independent publicly traded company.
Core Business Areas
- Consumer Banking: Provides a range of financial products and services to individuals, including checking and savings accounts, mortgages, personal loans, credit cards, and investment services.
- Commercial Banking: Offers lending, treasury management, capital markets, and advisory services to middle-market companies, small businesses, and institutional clients.
- Wealth Management: Offers trust and investment advisory services to individuals and families.
Leadership and Structure
The CEO of Citizens Financial Group is Bruce Van Saun. The organizational structure consists of various business units and support functions, reporting to the CEO and the executive leadership team.
Top Products and Market Share
Key Offerings
- Mortgages: Citizens offers a variety of mortgage products, including fixed-rate, adjustable-rate, and government-insured loans. Market share data varies regionally; Citizens is a significant player in the Northeast. Competitors include JPM, WFC, USB, and regional banks.
- Commercial Loans: Citizens provides loans and lines of credit to businesses of various sizes. Market share varies; Citizens focuses on the middle market. Competitors include JPM, BAC, WFC, and regional banks.
- Checking and Savings Accounts: Citizens has a large base of retail clients who use their checking and savings accounts daily. Competitors include JPM, BAC, WFC, and online banks.
Market Dynamics
Industry Overview
The banking industry is currently characterized by rising interest rates, increased regulatory scrutiny, and growing competition from fintech companies. Digital transformation and customer experience are key focus areas.
Positioning
Citizens Financial Group is a super-regional bank with a strong presence in the Northeast and Midwest. Its competitive advantages include its local market knowledge, customer relationships, and diversified business model.
Total Addressable Market (TAM)
The TAM for banking services in the US is estimated to be in the trillions of dollars. Citizens is well-positioned to capture a portion of this market through its diversified business lines and regional focus.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Northeast and Midwest
- Diversified business model
- Experienced management team
- Sound risk management practices
Weaknesses
- Limited national presence compared to larger banks
- Reliance on traditional branch network
- Exposure to regional economic cycles
- Dependence on interest rate environment
Opportunities
- Expansion into new markets
- Growth of digital banking services
- Acquisition of smaller banks
- Increased focus on wealth management
Threats
- Increased competition from fintech companies
- Rising interest rates
- Economic downturn
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- USB
- PNC
Competitive Landscape
Citizens Financial Group competes with larger national banks and regional players. Its advantages include its strong regional presence and customer relationships. Disadvantages include its limited national presence and reliance on traditional branch network.
Major Acquisitions
Investors Bancorp
- Year: 2022
- Acquisition Price (USD millions): 6140
- Strategic Rationale: Expanded Citizens' footprint in the New York Metro area and New Jersey.
Growth Trajectory and Initiatives
Historical Growth: Citizens Financial Group has experienced moderate growth over the past few years, driven by both organic growth and acquisitions.
Future Projections: Analyst estimates suggest continued growth in revenue and earnings, driven by expansion into new markets and growth in digital banking services.
Recent Initiatives: Recent initiatives include investments in digital technology, expansion of wealth management services, and strategic acquisitions.
Summary
Citizens Financial Group is a strong regional bank with a diversified business model. It has experienced steady growth and is well-positioned for future expansion. However, it faces challenges from larger national banks and fintech companies and should focus on further developing its digital capabilities.
Similar Companies
ALLY
Ally Financial Inc
ALLY
Ally Financial Inc
BAC
Bank of America Corp
BAC
Bank of America Corp
JPM
JPMorgan Chase & Co
JPM
JPMorgan Chase & Co
PNC
PNC Financial Services Group Inc
PNC
PNC Financial Services Group Inc
WFC
Wells Fargo & Company
WFC
Wells Fargo & Company
Sources and Disclaimers
Data Sources:
- Company SEC filings
- Analyst reports
- Industry publications
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market data and financial information are 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 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 383 | |
Full time employees 383 | |||
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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