Company Overview - Citizens Financial is the largest bank among the 215 banks in the United States with "Citizen" in their name, boasting a market capitalization of $22 billion and total assets of $223 billion [2]. - The bank has undergone significant operational improvements and talent acquisition since the Royal Bank of Scotland fully divested its stake 10 years ago [2]. Management and Leadership - Citizens Financial is recognized for its strong management, which is both an opinion and a fact, with the leadership and improved quality of the franchise being underappreciated [3]. - The bank's stock has a market beta of 1.34, the highest among super regional banks, indicating higher volatility compared to the market [3]. Growth Initiatives - Citizens Financial has launched several growth initiatives, including the recent build-out of a private banking division [2].