CFG Overview — StockExplainer

+33%

+2.9% per year

Past performance does not guarantee future results. The data presented is indicative and may not be updated in real-time.

Country US

Exchange NYSE

Industry Banks - Regional

Sector Financial Services

Market Cap $19.74B

CEO Mr. Bruce Winfield Van Saun

Citizens Financial Group, Inc. is a bank that helps people and businesses manage their money. They offer services like personal and business loans, checking and savings accounts, and credit cards. Citizens Bank also provides support for buying homes and managing investments. With many branches and ATMs across the U.S., they make banking easy and accessible for their customers.

Streams of revenue

Service Charges and Fees: 55%

Card Fees: 46%

Geographic Distribution

United States: 83%

Other: 17%

Estimations for reference only

Core Products

🏠

Mortgages Home loans

💳

Credit Cards Credit access

💳

Personal Loans Unsecured loans

💰

Savings Accounts Save money

🏦

Checking Accounts Daily banking

Business Type

Business to Consumer

Competitive Advantages

📊

Diverse Product Offering Citizens provides a wide range of banking products across consumer and commercial segments, catering to various customer needs.

🌐

Extensive Branch Network With approximately 1,200 branches and 3,300 ATMs, the bank offers convenient access to services, enhancing customer experience.

🏦

Strong Brand Recognition Citizens Financial Group has a long-standing history and brand presence, which fosters customer trust and loyalty.

💻

Technological Integration The bank's investment in digital platforms and mobile banking enhances customer engagement and operational efficiency.

🤝

Strong Customer Relationship Management Citizens focuses on personalized service and relationship management, building long-term customer connections.

Key Business Risks

⚠️

Credit Risk Potential losses from borrowers failing to meet their loan obligations, especially in economic downturns.

🌐

Market Risk Risk of losses due to changes in market conditions impacting investment portfolios and loan performance.

🔒

Cybersecurity Risk Threat of data breaches and cyberattacks that could compromise sensitive customer information and disrupt services.

📉

Interest Rate Risk Exposure to fluctuations in interest rates affecting profitability and asset valuations.

📜

Regulatory Compliance Risk Risk of non-compliance with banking regulations, which could lead to fines and operational restrictions.

Meeting Expectations

2 /10

Higher values indicate better execution and credibility

Business Overview

Performance Analysis

Stock Price

Performance Analysis

Stock Price