Citizens Financial Group, Inc.

Citizens Financial Group, Inc.

63.24
USD
-0.59
(-0.92%)
5.29EPS
12.71P/E
26.86BMarket Cap
Jan 20Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
8.38
8.43
9.01
10.07
11.36
12.8
14.43
16.17
15.62
16.85
17.31
17.33
19.04
21.03
Basic EPS, GAAP
-6.12
1.55
1.56
1.97
3.26
3.53
3.82
2.22
5.18
4.12
3.14
3.04
3.91
5.02
Free Cash Flow per Basic Share
4.07
1.94
1.74
2.27
2.87
2.68
2.96
0.26
5.34
8.65
6.23
4.44
5.1
2.96
Dividend per Share
2.12
1.45
0.41
0.49
0.67
1.01
1.52
1.8
1.84
1.87
1.95
2
2.05
2.19
Book Value per Share
34.28
35.3
36.76
38.09
40.8
42.87
47.63
48.47
50.71
44.03
47.87
50.26
56.39
54.49
Tangible Book Value per Share
22
22.7
23.73
24.66
26.76
28.01
31.37
31.97
33.7
27.03
29.98
31.34
37.05
34.74
Basic Weighted Avg Shares
560
557
536
522
502
479
450
427
426
476
475
451
433
425
Sales/Revenue/Turnover
4,690
4,691
4,824
5,255
5,707
6,128
6,491
6,905
6,647
8,021
8,224
7,809
8,247
8,930
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
404
386
471
515
487
489
633
578
625
565
478
498
478
427
Net Income, GAAP
-3,426
865
840
1,045
1,652
1,721
1,791
1,057
2,319
2,073
1,608
1,509
1,831
2,268
Effective Tax Rate (%)
- -
31.78
33.49
31.88
13.6
21.16
20.44
18.57
22.1
21.92
20.79
20.07
21.35
21.41
Profit Margin (%)
-73.05
18.44
17.41
19.89
28.95
28.08
27.59
15.31
34.89
25.84
19.55
19.32
22.2
25.4
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
1,405
4,642
9,886
12,790
11,765
14,433
14,047
8,346
6,932
15,887
13,467
10,413
9,234
15,519
Total Equity
19,196
19,268
19,646
19,747
20,270
20,817
22,201
22,673
23,420
23,690
24,342
24,254
26,317
25,162
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
3.26
2.7
3.08
4.74
4.86
4.9
3.14
7.55
5.92
4.13
4.03
4.93
5.71
Return on Common Equity (%)
-15.82
4.5
4.31
5.3
8.29
8.46
8.46
4.6
10.48
9.1
6.78
6.17
7.31
9.13

Capital Structure

USD

•

in mil. unless spec.
Mar'26
Jun'26
Sep'26
ST Debt
2,044
1,659
2,313
LT Borrowings
10,270
14,690
15,519
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
2,111
2,111
2,210
Shares Outstanding
426
423
421
Market Capitalization
25,549
29,617
26,857

Working Capital

USD

•

in mil. unless spec.
Mar'26
Jun'26
Sep'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
49,402
51,157
49,437
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
2,044
1,659
2,313
Deferred Revenue
- -
- -
- -

Growth Rates

USD

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
3%
3.07%
8.51%
Free Cash Flow
193.08%
396.11%
10.49%
Net Income, GAAP
15.13%
20.31%
21.34%
Sales/Revenue/Turnover
5.72%
4%
5.61%
Total Cash Common Dividend
14.41%
2.76%
-2.09%

Quarterly Revenue

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1,959
1,959
1,901
1,976
7,809
2025
1,935
2,037
2,118
2,157
8,247
2026
2,168
2,283
2,322
- -
- -

Quarterly Earnings Per Share

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.66
0.79
0.77
0.83
3.04
2025
0.78
0.93
1.07
1.14
3.91
2026
1.14
1.31
1.43
- -
- -

Quarterly Dividends Per Share

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.49
0.49
0.5
0.51
2
2025
0.5
0.5
0.5
0.54
2.05
2026
0.55
0.55
0.55
- -
- -

Company Description

CEO
Bruce Winfield van Saun
Full Time Employees
17,398
Sector
Finance
Industry
Major banks
Address
One Citizens Plaza Providence RI United States 02903
IPO Date
Sep 23, 2014
Business
Citizens Financial Group, Inc. is a bank holding company headquartered in Providence, Rhode Island, operating primarily in the retail and commercial banking sectors across the United States. Founded in 1828, it offers a wide range of financial products and services including deposit products; consumer loans such as mortgage, home equity, auto, and student loans; commercial lending and leasing; treasury management; credit cards; wealth management and investment services; and capital markets solutions. The company serves individuals, small businesses, middle-market companies, and large corporations through over 1,000 branches. Recent major developments include the expansion of its private wealth management business with key acquisitions of wealth advisory teams in Southern California and New York, enhancing its assets under management. Additionally, Citizens formed a strategic partnership with Cognizant to establish a Global Capability Center in Hyderabad aimed at driving innovation and operational efficiency. It also continued to optimize its portfolio through asset sales related to prior acquisitions and has focused on growing its commercial banking and treasury services. Citizens Financial Group manages assets exceeding $220 billion and maintains a significant presence in domestic markets, emphasizing a comprehensive financial services offering to a broad client base.

Company News

  • Citizens Financial Group Targets 18% ROTCE as Private Bank and Deal Pipeline Grow

  • Citizens Financial Group, Inc. (CFG) Presents at BancAnalysts Association of Boston Conference 2026 Transcript

  • Citizens Financial Group, Inc. Declares Dividends on Preferred Stock

  • Citizens Financial Leads 3 Dividend Raises With a 13% Payout Boost

  • Citizens Financial Group, Inc. $CFG Shares Purchased by Hilton Head Capital Partners LLC

  • Citizens Financial Group, Inc. $CFG Stock Acquired by Citizens Financial Group Inc. RI

  • Citizens Financial Group, Inc. $CFG Shares Bought by Fifth Third Wealth Advisors LLC

  • Citizens Financial Group, Inc. $CFG Stock Bought by CWA Asset Management Group LLC

  • Citizens Financial Analysts Slash Their Forecasts Following Q3 Results

  • Citizens Financial: 3 Key Takeaways for Long-Term Investors

  • Dividend Announcements: October 10-16, 2026

  • Citizens Financial Group: Reassessing Preferred Securities In A Dynamic Market Environment

  • What Citizens Financial Group (CFG) Said on Its Q3 Earnings Call

  • CFG Stock Up as Q3 Earnings Top Estimates on NII Growth, Dividend Hiked

  • Citizens Financial Group, Inc. (CFG) Q3 2026 Earnings Call Transcript

  • Crude Oil Jumps 3%; Citizens Financial Earnings Top Views

  • What Citizens Financial Group (CFG) Said on Its Q3 Earnings Call

  • First Week of Q3 Earnings in the Books

  • Compared to Estimates, Citizens Financial Group (CFG) Q3 Earnings: A Look at Key Metrics

  • Citizens Financial: Not Banking On The Bullish Case