Revenue segments as reported by the company.

Net interest income

Non interest income

Revenue Segments

Gross Profit, Operating Income, and Net Income as a percentage of Revenue

Operating Margin

Profit Margin

Margins

An operating expense is an expense a business incurs through its normal business operations. Often abbreviated as OPEX.

Non interest expense

Provision (benefit) for credit losses

Operating Expenses

Year over year growth in Revenue and Operating Expenses.

Revenue Y/Y

OpEx Y/Y

Growth

Shares outstanding refer to a company's stock currently held by all its shareholders, including share blocks held by institutional investors and restricted shares owned by the company's officers and insiders.

Outstanding Shares

Market Cap

Also known as Price/Sales Ratio. Calculated using Average market cap for the quarter / Annualized quarterly revenue.

Revenue Multiple

Citizens Financial Group

Citizens Financial Group, Inc. engages in the provision of commercial banking services. It operates through the Consumer Banking and Commercial Banking segments. The Consumer Banking segment includes deposit products, mortgage and home equity lending, student loans, auto financing, credit cards, business loans, and wealth management and investment services. The Commercial Banking segment offers lending and leasing, trade financing, deposit and treasury management, foreign exchange and interest rate risk management, corporate finance and debt, and equity capital markets. The company was founded in 1828 and is headquartered in Providence, RI.

Earnings data Q1 2021

Earnings data Q2 2021

Earnings data Q3 2021

Earnings data Q4 2021

Earnings data Q1 2022

Earnings data Q2 2022

Earnings data Q3 2022

Earnings data Q4 2022

Earnings data Q1 2023

Earnings data Q2 2023

Earnings data Q3 2023

Earnings data Q4 2023

Earnings data Q1 2024

Earnings data Q2 2024

Earnings data Q3 2024

Earnings data Q4 2024

Citizens Financial Group exceeds expectations in Q4 2022 earnings

CFG's Q4 2022 performance was strong, exceeding full-year expectations with a focus on expense management and capital return to shareholders.
While facing economic uncertainties and NIM challenges, the company aims to capitalize on growth opportunities in fee income and deposit dynamics.
Strategic initiatives across segments position CFG for positive operating leverage and continued growth in a changing rate environment.
Investors should monitor ACL trends, NIM adjustments, and the successful execution of expense reduction programs for future performance.

Citizens Financial Group maintains strong performance amidst growth opportunities

Citizens Financial Group showcased strong financial performance with a focus on capital strength, customer relationships, and strategic initiatives amidst a challenging environment.
While facing short-term challenges like NII decline and inflation impact considerations, the bank remains optimistic about growth opportunities in deposits, fee income, and investment banking.
Balancing expense management with strategic investments and credit underwriting sophistication will be crucial for the bank to navigate uncertainties and deliver attractive returns to stakeholders.

Citizens Financial Group reports solid Q2 performance amidst margin challenges

Citizens Financial Group (CFG) delivered strong financial results in Q2 2023, focusing on talent enhancement, strategic growth initiatives, and capital strength. Challenges include margin pressures and navigating a changing interest rate environment. The company is well-positioned to capitalize on opportunities for growth and stability in the coming quarters.

Citizens Financial Group maintains stability and outperformance amidst Q3 challenges

Citizens Financial Group's Q3 performance showed resilience with a focus on balance sheet strength and strategic initiatives despite challenges in Capital Markets deals. The bank's strengths in CET1 ratio, ACL coverage, and low-cost deposit growth position it well for continued stability and outperformance. Opportunities in NII trajectory, loan portfolio growth, and leveraging the New York market provide avenues for future growth.

Citizens Financial Group (CFG) reports robust 2023 performance and eyes growth opportunities in 2024

Citizens Financial Group (CFG) demonstrated strong financial performance in 2023, focusing on balance sheet strength, cost efficiency, and growth in spot loans.
Challenges for 2024 include managing charge-offs, NII and NIM bottoming, and consumer deposit behavior, while opportunities lie in organic growth initiatives and Basel III benefits.
The bank's disciplined approach to risk management, expense reductions, and shareholder returns positions it well for future growth and profitability.

Citizens Financial Group (CFG) posts resilient Q1 results amidst growth opportunities

Citizens Financial Group (CFG) reported a strong Q1 performance with solid financial metrics and progress in strategic initiatives. While facing challenges in loan growth and NII expectations, the bank remains well-positioned to capitalize on opportunities for deposit growth and capital flexibility. Navigating economic uncertainties with caution, CFG aims to leverage its strengths to drive sustainable growth and shareholder value.

Citizens Financial Group (CFG) reports resilient Q3 performance and navigates rate challenges

Citizens Financial Group (CFG) delivered solid financial results in Q3 2024, showcasing progress in strategic initiatives and maintaining balance sheet strength. Challenges include managing NII decline and navigating deposit beta dynamics amidst rate cuts. Opportunities exist in optimizing margins, leveraging efficiencies, and capitalizing on growth prospects.

Revenue

Cost of revenue

Gross profit

Operating expenses

SG&A

Other

Operating income

EBITDA

Net income

Earnings per share

Total assets

Current assets

Cash & equivalents

Receivables

Inventory

Non-current assets

Net PPE

Intangibles

Total liabilities

Current liabilities

Short term debt

Income tax payable

Non-current liabilities

Long-term debt

Total equity

Stockholders equity

Minority interest

Total liabilities & equity

Total debt

Net debt

Book value per share

Cash from operations

Funds from operations

Change in working capital

Cash from investing

Capital expenditure

Purchase/sale of investments

Purchase/sale of business

Other sources

Cash from financing

Change in stock

Change in debt

Cash dividends paid

Cash from other sources

Net change in cash

Free cash flow

Citizens Financial Group (CFG) possesses solid growth attributes, which could help it handily outperform the market.

Looking for a Growth Stock? 3 Reasons Why Citizens Financial Group (CFG) is a Solid Choice

Citizens Financial Group (CFG) has an impressive earnings surprise history and currently possesses the right combination of the two key ingredients for a likely beat in its next quarterly report.

Why Citizens Financial Group (CFG) is Poised to Beat Earnings Estimates Again

Capital One

Fifth Third Bancorp

Huntington Bancshares

KeyCorp

M&T Bank

PNC Financial Services

Regions Financial

SVB Financial Group

Truist Financial

U.S. Bancorp

2022 represented a challenging year for the regional banks where their price performance didn't offer a respite vs. the bear market hitting the major indices. The current wall of worry hanging over the banks will be resolved in 2023.

Bank The Dividend Yield And Look For Incremental Upside In Regional Banks In 2023

Arista Networks

Halozyme Therapeutics

As 2023 approaches, its prudent to have a look at stocks like Halozyme Therapeutics (HALO), Arista Networks (ANET) & Citizens Financial Group (CFG) for solid earnings growth.

3 Stocks to Keep an Eye on for Earnings Growth in 2023

Conagra Brands

Lazard

NiSource

Radian Group

Stocks with a history of regular dividends, efficient management and a healthy balance sheet are good investment choices. Stocks like CAG, RDN, LAZ, NI and CFG are a must-have in your portfolio.

5 Cheap Dividend Stocks to Buy and Retain for 2023

Hancock Whitney Corp.

Wells Fargo

Analyst-recommended bank stocks - Wells Fargo (WFC), Citizens Financial (CFG) and Hancock Whitney (HWC) - can be considered for 2023 on solid prospects despite near-term headwinds.

3 Bank Stocks Wall Street Analysts Recommend for 2023

Caterpillar

Gilead Sciences

NRG Energy

With risks of elevated inflation, rising interest rates and geopolitical turmoil, investments in high-yield dividend stocks offer a defensive play. Stocks like GILD, CAG, CAT, CFG and NRG look attractive.

Top 5 High-Yield S&P 500 Stocks to Buy for 2023

Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.

Are Investors Undervaluing Citizens Financial Group (CFG) Right Now?

PROVIDENCE, R.I.--( BUSINESS WIRE )--As previously announced, Citizens Financial Group, Inc. (NYSE: CFG) will report its fourth quarter and full year 2022 earnings on January 17, 2023. The news release and supplemental materials will be available at http://investor.citizensbank.com. CFG management will host a live conference call that morning with details as follows:

Citizens Financial Group Announces Fourth Quarter and Full Year 2022 Earnings Conference Call Details

PROVIDENCE, R.I.--( BUSINESS WIRE )--Citizens Financial Group, Inc. (NYSE: CFG) has been named Bank of the Year 2022 for the U.S. by The Banker, an outlet of The Financial Times, as part of the magazine's annual global banking awards.

Citizens Financial Group Named Bank of the Year for 2022 by The Banker

Citizens Financial Services Inc

MANSFIELD, Pa. , Dec. 6, 2022 /PRNewswire/ -- The Board of Directors of Citizens Financial Services, Inc. (CZFS), the bank holding company for First Citizens Community Bank (FCCB), recently declared a cash dividend for its shareholders.

Citizens Financial Services, Inc. Declares Quarterly Cash Dividend

Arthur J. Gallagher & Co.

Amazon

BHP Billiton

Chipotle

Hess

Rio Tinto plc Sponsored

Starbucks

SPDR S&P 500 ETF Trust

Exxon Mobil

One of the very hottest mutual fund co-managers expects a rocky stock market in 2023. The post Red-Hot Manager Forecasts Volatile 2023: His Stock Picks appeared first on Investor's Business Daily.

Red-Hot Manager Forecasts Volatile 2023: His Stock Picks

Citigroup

Apart from strong fundamentals, the S&P 500 banks like Citi (C), Truist (TFC), U.S. Bancorp (USB), Huntington (HBAN) and Citizens Financial (CFG) have solid dividend yields, which will help income investors generate robust returns.

5 S&P 500 Bank Stocks With Dividend Yield of 4% or More

General Motors

McDonald's

Merck

O'Reilly Automotive

AT&T

Some may believe that the best retirement stocks for investors over 50 are all ultra-conservative names with relatively high dividend yields, but one well-known investment advisory firm suggests that's not the case at all. Consequently, in compiling this list, I've tried to find a balance between very safe stocks and names that are likely to deliver significant capital appreciation over a one-to-five-year period.

The 7 Best Retirement Stocks to Buy After Age 50

Citizens Financial Group is among regional banks showing sizable growth recently due to higher rates they can charge on financial products offered to customers.

Strong Q3 Driving Growth At S&P 500 Component Citizens Financial

Citizens Business Conditions Index™ Bounces Back in Q3

Citizens Financial Group Announces Pricing of $600 Million of Citizens Bank, N.A. Senior Notes

Citizens Financial Group to Participate at the BancAnalysts Association of Boston Conference

Interest-earning asset growth drives NII for Citizens Financial (CFG) in Q3, while a rise in expenses dents bottom-line growth.

Citizens Financial (CFG) Q3 Earnings Beat, Revenues Rise Y/Y

Citizens Financial Group, Inc. (NYSE:CFG ) Q3 2022 Earnings Conference Call October 19, 2022 9:00 AM ET Company Participants Kristin Silberberg - Executive Vice President, Investor Relations Bruce Van Saun - Chairman & Chief Executive Officer John Woods - Chief Financial Officer Brendan Coughlin - Head, Consumer Banking Don McCree - Head, Commercial Banking Conference Call Participants Scott Siefers - Piper Sandler Erika Najarian - UBS Matthew O'Connor - Deutsche Bank Ebrahim Poonawala - Bank of America Gerard Cassidy - RBC Capital Markets Brian Wilczynski - Morgan Stanley Kenneth Usdin - Jefferies John Pancari - Evercore ISI Operator Good morning, everyone, and welcome to the Citizens Financial Group Third Quarter 2022 Earnings Conference Call. My name is Alan, and I'll be your operator today.

Citizens Financial Group, Inc. (CFG) Q3 2022 Earnings Call Transcript

Citizens Financial Group, Inc. Reports Third Quarter 2022 Net Income of $636 million and EPS of $1.23

Rising fee income and higher loans are expected to have propelled Citizens Financial's (CFG) Q3 earnings despite higher expenses.

NII Growth, Fee Income to Aid Citizens' (CFG) Q3 Earnings

Exelon

Hartford Financial Services Group

Pfizer

For years, analysts and portfolio managers have anticipated the return of value stocks as the market has moved higher.

Top Analyst Has 5 ‘Strong Buy' Value Picks That Look Very Safe and Pay Big, Dependable Dividends

Solution enables businesses to acquire carbon offsets using credit earned on deposits; joins Green Deposits among solutions to help clients meet ESG goals

Citizens Launches Carbon Offset Deposit Accounts for Corporate Clients

Why Citizens Financial Group (CFG) Could Beat Earnings Estimates Again

News for Citizens Financial Group Stock (CFG)