Is Citizens Financial Stock Outperforming the S&P 500?

Company Overview - Citizens Financial Group, Inc. (CFG) is a full-service bank headquartered in Providence, Rhode Island, serving a diverse clientele including individuals, small businesses, and large corporations with a market capitalization of approximately $25.1 billion [1] Business Segments - The Consumer Banking segment offers a seamless digital and in-branch experience through mobile and online platforms, supported by nearly 1,000 branches and 3,100 ATMs across 14 states and Washington, D.C. [2] - In Commercial Banking, Citizens provides a wide range of services including lending, treasury and deposit services, foreign exchange, risk management, corporate finance, M&A, and capital markets solutions [2] Financial Performance - As of September 30, 2025, Citizens Financial has total assets of about $222.7 billion and has seen its shares increase by almost 13.8% over the past three months, outperforming the S&P 500 Index's gain of roughly 3% [3] - The stock has surged 27.9% over the past year and is up 33.6% so far in 2025, significantly outpacing the benchmark index which gained 12.7% over the past 52 weeks [4] Technical Analysis - The stock has consistently traded above its 200-day moving average since June, indicating a sustained uptrend, and has remained above its 50-day moving average, reinforcing strong underlying momentum [5] Strategic Initiatives - Citizens Financial has experienced strong performance in 2025, driven by an expansion in its net interest margin, which is enhancing both revenue and profitability [6] - Strategic investments in the private banking franchise and the "Reimagining the Bank" technology initiative are improving efficiency and execution [6]