Citizens M&A Advisory
Citizens Financial Group operates Citizens Bank, a chartered U.S. regional bank headquartered in Providence, Rhode Island, serving individual consumers, students, small businesses, corporate clients, and high net worth individuals through 1,200+ branches and digital channels with deposit, lending, credit card, and wealth management products.
- Company typePublic
- Founded1831
- HeadquartersProvidence, United States
- Headcount5,001–10,000
- GTM typeB2B
- OfferingServices
What Citizens M&A Advisory does
Citizens Financial Group, Inc. (NYSE: CFG) operates Citizens Bank, a chartered national bank subsidiary headquartered in Providence, Rhode Island, tracing its institutional history to 1831. The company serves individual consumers, students, small businesses, corporate clients, and high net worth individuals across the United States through more than 1,200 physical branch locations complemented by an online banking platform and iOS/Android mobile applications. Segments are organized into Personal Banking, Student Banking, Small Business, Corporate Finance, and Private Bank, with sub-brands including Citizens Access, Citizens Wealth Management, Citizens Pay, Clarfeld Citizens Private Wealth, and Citizens Peace of Mind.
The product platform covers deposit products (checking, savings, money market, CDs, IRAs), consumer lending (mortgages, refinances, new construction loans, Citizens FastLine HELOC, personal loans), credit cards (including the Summit Reserve Mastercard), student loans (undergraduate, graduate, parent, refinancing) with Multi-Year Approval, small business services (business checking, SBA loans, cash management, payroll, merchant services, employee benefits), and private banking / wealth management delivered through Citizens Securities, Inc. and Clarfeld Financial Advisors. Digital architecture includes EV SSL/TLS encryption, biometric authentication (fingerprint and facial recognition), multi-factor authentication, mobile check deposit, Zelle peer-to-peer payments, Apple Pay and Google Pay digital wallet support, and Quicken export. AI capabilities are deployed for fraud detection, risk-based authentication, behavioral profiling, and NLP-enabled chat interactions.
The revenue model is that of a traditional chartered bank. Net interest income from mortgage, HELOC, student, personal, and business lending is the primary driver, supplemented by transaction-based fee revenue (overdraft at $35 per item capped at $175 per day, credit card interchange, merchant services, account maintenance), recurring wealth management and investment advisory fees through Citizens Securities, recurring Overdraft Line of Credit subscription fees ($30 annual plus $12 per transfer day at 21% APR), and Citizens Pay point-of-sale financing. Distribution is multi-channel: 1,200+ branches, online and mobile self-serve channels, ATMs, 24/7 phone banking, dedicated private bankers and small business bankers, financial education content marketing, and active presence on Facebook, Twitter/X, and LinkedIn.
Citizens M&A Advisory firmographics
Firmographics- Name
- Citizens M&A Advisory
- Legal name
- Citizens Financial Group, Inc.
- Website
- https://citizensbank.com
- Company type
- Public
- Founded year
- 1831
- Operating status
- Operating
- Headcount range
- 5,001–10,000 employees
- Short description
- Citizens Financial Group operates Citizens Bank, a chartered U.S. regional bank headquartered in Providence, Rhode Island, serving individual consumers, students, small businesses, corporate clients, and high net worth individuals through 1,200+ branches and digital channels with deposit, lending, credit card, and wealth management products.
- Ownership category
- akta.pro rank
Citizens M&A Advisory industry classification
Industry- Product category
- M&A Advisory
- NAICS
- Management Consulting Services (54161), Investment Banking and Securities Intermediation (523150)
- SIC
- Services-Management Consulting Services (8742), National Commercial Banks (6021)
- akta.pro primary industry
- M&A Advisory (Buy-Side & Sell-Side) (BPAHAOAA)
- akta.pro secondary industries
- Sell-Side M&A Advisory (FSAEAGAA), Buy-Side M&A Advisory (FSAEAGAB), Corporate Finance & Capital Advisory (BPAHADAB)
Keywords
Where Citizens M&A Advisory is headquartered
LocationHeadquarters
- HQ city
- Providence
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Citizens M&A Advisory business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Interest Income: Revenue generated from interest on loans including mortgages, home equity lines of credit, student loans, personal loans, and business loans. This is the primary revenue driver for the bank.
- Deposit and Checking Account Fees: Monthly maintenance fees, overdraft fees ($35 per item), and other account-related service charges
- Credit Card Revenue: Interchange fees from credit and debit card transactions, annual fees on premium cards
- Wealth Management Services: Investment advisory services, securities brokerage, and insurance products offered through Citizens Securities, Inc.
- Business Banking Services: Cash management, payroll services, merchant services, SBA loans, and business credit cards
- Overdraft Protection Plans: Savings Overdraft Transfer (no fee) and Overdraft Line of Credit ($30 annual fee, $12 transfer fee per day)
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Checking Accounts with multiple tiers including Student and EverValue options |
| Subscription | Monthly | Savings accounts including IRA Savings and CDs |
| Transaction based/ take rate | Monthly | Credit Cards |
| Subscription | Monthly | Home Loans and HELOC |
| Subscription | Monthly | Student Loans |
| Subscription | Annual | Overdraft Line of Credit |
Go-to-market motion1 record
Distribution channels8 records
Marketing channels8 records
Citizens M&A Advisory product offering
Product offeringCore offering
Citizens M&A Advisory provides sector-focused mergers and acquisitions advisory services, combining sector intelligence, senior-level banker attention and a collaborative execution approach to deliver transaction outcomes for clients. The practice operates within Citizens Bank's Corporate Finance and Private Banking platform, drawing on the institution's broader banking, capital, and wealth management capabilities to support sell-side, buy-side, and strategic transaction mandates.
Product overview
Citizens Bank operates as a diversified financial services institution offering a comprehensive banking platform with multiple product lines. The core offerings include personal banking (checking, savings, CDs, credit cards, mortgages, home equity, student loans), business banking (checking, lending, SBA loans, cash management, payroll, merchant services), wealth management, and private banking services. Digital banking capabilities are delivered through Citizens Online Banking (web platform) and Mobile Banking App (iOS/Android), which provide account management, bill pay, fund transfers, Zelle peer-to-peer payments, and investment account access. The bank supplements its core products with overdraft protection add-ons (Peace of Mind, Savings Overdraft Transfer, Overdraft Line of Credit) and fraud protection services (Zero Liability). The architecture follows a platform-plus-modules model where customers access core banking products through digital channels with optional protective and convenience features.
Differentiator
Problem solved
Functional benefit
Brands
- Citizens Wealth Management: Investment management and wealth advisory services division offering securities, insurance, and investment advisory services.
- Citizens Pay
- Citizens Peace of Mind
- Citizens FastLine
Products and services
- Citizens M&A Advisory Sector-focused mergers and acquisitions advisory service combining sector intelligence, senior-level banker attention and a collaborative approach to deliver transaction outcomes for corporate, private and high-net-worth clients.
Quantifiable outcome
- 99% approval rate on future Multi-Year Approval loan requests for student borrowers
- +3 more outcomes
Companies that use Citizens M&A Advisory
Customer profileNamed customers5 records
Segments6 records
Ideal customer profiles2 records
Citizens M&A Advisory technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
AI capability5 records
Feature9 records
Citizens M&A Advisory partnerships and signals
Strategic signalScale indicators3 records
Recent moves6 records
Expansion highlights5 records
Citizens M&A Advisory competitors and assessment
Company assessmentDirect peers
- Houlihan Lokey: Independent global investment bank with leading M&A advisory practice particularly strong in the U.S. middle market. Comparable in emphasis on senior-led coverage and sector specialization, although Houlihan Lokey operates as a pure-play advisor without a commercial lending balance sheet.
- Jefferies Financial Group: Diversified financial services firm combining a middle-market advisory practice with investment banking and lending capabilities. Comparable to Citizens M&A Advisory in combining sector-focused M&A coverage with parent-firm balance-sheet capacity for financing.
- Lincoln International: Mid-market M&A advisory firm with deep sector specialization (industrials, business services, consumer, healthcare). Comparable to Citizens M&A Advisory in focusing on middle-market transaction size and using vertical expertise as a key differentiator against generalist competitors.
- Piper Sandler: Middle-market focused investment bank with significant M&A advisory practice serving middle-market and growth companies across multiple sectors. Comparable in target deal size and emphasis on senior banker-led mandates for corporate and private equity clients.
- Raymond James Investment Banking: Diversified financial services firm with substantial middle-market M&A advisory practice through its Investment Banking division. Comparable to Citizens M&A Advisory in combining banking, capital markets, and wealth management distribution with sector-driven M&A coverage.
- Robert W. Baird & Co. Employee-owned financial services firm with middle-market M&A advisory practice serving consumer, industrial, and healthcare clients. Comparable in target deal profile and emphasis on long-tenured senior banker relationships with middle-market corporate clients.
- Stifel Financial Corp. Diversified wealth management and investment bank with active middle-market M&A advisory practice. Comparable to Citizens M&A Advisory in providing integrated banking, capital markets, and advisory services to mid-sized corporates and private business owners.
- KeyBanc Capital Markets: Investment banking arm of KeyCorp with sector-focused M&A advisory practice serving middle-market clients. One of the closest direct comparables to Citizens M&A Advisory given the regional U.S. bank parent structure and sector-organized coverage model.
- Truist Securities: Investment banking arm of Truist Financial Corporation providing M&A advisory and capital markets services to corporate and private equity clients. Comparable as a regional U.S. bank holding company's institutional advisory platform targeting middle-market transactions.
Broad incumbents
- Evercore Inc. Independent investment bank with premier global M&A advisory practice serving larger mid-market and bulge-bracket transactions. Comparable in offering pure-play M&A advisory but operating at meaningfully higher deal-size and league-table tier than Citizens M&A Advisory typically competes in.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights5 records
Customer concentration
Citizens M&A Advisory social profiles
Digital presenceCitizens M&A Advisory compliance and trust
Trust signalCompliance7 records
Citizens M&A Advisory financial estimates
Financial estimateRevenue estimate
Valuation estimate
Citizens M&A Advisory leadership team
Management profileNumber of profiles
Profiles1 record
Citizens M&A Advisory subsidiaries and ownership
Company hierarchySubsidiaries4 records
Citizens M&A Advisory funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Citizens M&A Advisory M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Citizens M&A Advisory
What does Citizens M&A Advisory do?
Citizens M&A Advisory provides sector-focused mergers and acquisitions advisory services, combining sector intelligence, senior-level banker attention and a collaborative execution approach to deliver transaction outcomes for clients. The practice operates within Citizens Bank's Corporate Finance and Private Banking platform, drawing on the institution's broader banking, capital, and wealth management capabilities to support sell-side, buy-side, and strategic transaction mandates.
Is Citizens M&A Advisory a public or private company?
Citizens M&A Advisory is a public company. It is classified as corporate owned and is currently operating.
When was Citizens M&A Advisory founded?
Citizens M&A Advisory was founded in 1831. It employs 5,001 to 10,000 people.
Where is Citizens M&A Advisory based?
Citizens M&A Advisory is headquartered in Providence, United States, in the North America region.
How does Citizens M&A Advisory make money?
Six revenue lines are on record. Interest Income is the primary driver. The others are deposit and Checking Account Fees, credit Card Revenue, wealth Management Services, business Banking Services and overdraft Protection Plans.
Who are Citizens M&A Advisory's main competitors?
Direct peers on record are Houlihan Lokey, Jefferies Financial Group, Lincoln International, Piper Sandler, Raymond James Investment Banking, Robert W. Baird & Co., Stifel Financial Corp., KeyBanc Capital Markets and Truist Securities. Evercore Inc. is listed as a broad incumbent.
Does Citizens M&A Advisory have an API?
No public API is recorded for Citizens M&A Advisory.
What industry is Citizens M&A Advisory in?
Citizens M&A Advisory's product category is M&A Advisory. Its primary akta.pro industry code is BPAHAOAA, M&A Advisory (Buy-Side & Sell-Side), with a secondary code of FSAEAGAA, Sell-Side M&A Advisory. Its NAICS code is 54161 and its SIC code is 8742.