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

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

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Provision (benefit) for credit losses

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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

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Earnings data Q4 2022

Earnings data Q1 2023

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Earnings data Q1 2024

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Earnings data Q3 2024

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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.

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Rising fee income and higher loans are expected to have propelled Citizens Financial's (CFG) Q2 earnings despite higher expenses.

Loans, NII Growth to Aid Citizens Financial's (CFG) Q2 Earnings

PROVIDENCE, R.I.--(BUSINESS WIRE)--Citizens Financial Group, Inc. (NYSE: CFG or “Citizens”) today released its 2021 Corporate Responsibility Report, Creating a Brighter Tomorrow, highlighting the company's enterprise-wide progress on its environmental, social and governance (ESG) initiatives. In conjunction with the release of this year's report, Citizens announced that it has joined PCAF, an industry collaborative working on a harmonized approach to assess and disclose greenhouse gas (GHG) emi

Citizens Financial Group Releases 2021 Corporate Responsibility Report

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These stocks can generate consistent, reliable income every year.

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PROVIDENCE, R.I.--(BUSINESS WIRE)--As previously announced, Citizens Financial Group, Inc. (NYSE: CFG) will report its second quarter 2022 earnings on July 19, 2022. 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: Time:   9:00 am (ET) Dial-in:   Individuals may call in by dialing 844-867-6169, conference ID 5718484 Webcast/Presentation:   The live webcast will

Citizens Financial Group Announces Second Quarter 2022 Earnings Conference Call Details

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Given Citizens Financial's (CFG) robust capital base and strong liquidity position, its capital-deployment activities seem sustainable.

Citizens Financial (CFG) Enhances Share Buyback Program to $1B

NEW YORK--(BUSINESS WIRE)--Residents and businesses in Queens will benefit from broader and more equitable access to job training and development programs under a $350,000 Workforce Development programming commitment announced today by Citizens. The new initiative, launched in partnership with Pursuit, Rockaway Development & Revitalization Corporation, and Ocean Bay Community Development Corporation, will focus on much-needed technical skills training and career counseling in Queens. “Citiz

Citizens Launches Workforce Development Support for Queens

PROVIDENCE, R.I.--(BUSINESS WIRE)--Citizens Financial Group, Inc. (NYSE: CFG or the “Company”) today announces key aspects of its 2022 Capital Plan (the “Plan”), which includes increasing the Company's common share repurchase authorization to $1.0 billion. The Company's announcement follows publication on June 23, 2022 by the Board of Governors of the Federal Reserve System (the “Federal Reserve”) of the results from its DFAST stress tests and communication to Citizens of its preliminary Stress

Citizens Financial Group, Inc. Announces Key Aspects of 2022 Capital Plan

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Citizens Financial (CFG) rolls out Citizens Paid Early to provide early access to paychecks. The company will also remove NSF fees by 2022 end.

Citizens (CFG) Offers Early Paycheck Access, To Scrap NSF Fees

Citizens Financial (CFG) enhances its technology-advisory capabilities by closing the acquisition of private investment banking firm DH Capital.

Citizens Financial (CFG) Completes Acquisition of DH Capital

PROVIDENCE, R.I.--(BUSINESS WIRE)--Citizens Financial Group, Inc. (NYSE: CFG or “Citizens”) today announced that it has completed its previously announced acquisition of DH Capital LLC, a private investment banking firm serving companies in the Internet infrastructure, software and next generation IT services, and communications sectors. Headquartered in New York City with an additional office in Boulder, Colo., DH Capital has completed more than 200 merger and acquisition transactions totaling

Citizens Financial Group Completes Acquisition of DH Capital

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Last week's final reading of a negative 1.5% gross domestic product for the first quarter (the first such print since the second quarter of 2020) was even worse than the preliminary reading, and it is a good sign that things could get worse before they get better.

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Citizens Financial Group (CFG) reported earnings 30 days ago. What's next for the stock?

Why Is Citizens Financial Group (CFG) Down 14.3% Since Last Earnings Report?

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Given the recent surge of inflation-related data points that are showing up across Wall Street, the question of whether the economy slips into a recession is a “not if, but when“ proposition.

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PROVIDENCE, R.I.--(BUSINESS WIRE)--Citizens Financial Group, Inc. (NYSE: CFG) today announced the pricing of concurrent unsecured note offerings by CFG and its banking subsidiary Citizens Bank, N.A. (“CBNA”) of $1.05 billion aggregate principal amount, consisting of: $400 million of CFG 5.641% fixed-reset subordinated notes due 2037 (the “CFG Subordinated Notes”) $650 million of 4.119% fixed-to-floating rate senior notes due 2025 (the “CBNA Senior Notes”) CFG and CBNA each intend to use the net

Citizens Financial Group Announces Pricing of $400 Million of its Subordinated Notes and $650 Million of Citizens Bank, N.A. Senior Notes

Citizens Financial Group Inc. launched its Citizens Pay iPhone upgrade plan in 2015 as an early form of the buy-now-pay-later concept that's in vogue in the payments space.

How Citizens Financial used an iPhone plan to create a nationwide digital bank

Citizens Financial recently closed two important acquisitions which should provide a nice boost to the underlying income. As I'm expecting the EPS to exceed $5 by 2024, Citizens Financial appears to be relatively cheap.

Citizens Financial: Time To Make A Choice Between Income And Capital Gains

PROVIDENCE, R.I.--(BUSINESS WIRE)--Citizens Bank today announced its Fifth Annual Small Business Community Champion Award winners, drawn from nearly 11,000 entries that described how businesses would utilize the grants to further build their enterprise, bring valuable products and services to customers and strengthen the communities in which they operate. Drawing from a pool of nearly three times the size of the prior year, this year's program includes the 14 states and the District of Columbia

Citizens Bank Awards Grants to 30 ‘Small Business Community Champions' for Creating Jobs and Fostering Economic Growth

PROVIDENCE, R.I.--(BUSINESS WIRE)--Citizens Financial Group, Inc. (NYSE: CFG) today announced its newest Clarfeld Citizens Wealth Management wealth center has opened at 560 9th Street South, Naples, FL. With a team of advisors that specialize in wealth management, tax and estate planning and services, the location is staffed by a capable team to fully meet the needs of clients in southwest Florida. Recognized as a leading wealth advisor with $23 billion in assets under management and advisement

Clarfeld | Citizens Private Wealth Opens Wealth Center in Naples, Florida

Citizens Financial Group, Inc. (NYSE:CFG ) Q1 2022 Earnings Conference Call April 19, 2022 9:00 AM ET Company Participants Kristin Silberberg - Executive Vice President, Investor Relations Bruce Van Saun - Chairman and 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 Brian Foran - Autonomous Betsy Graseck - Morgan Stanley Matt O'Connor - Deutsche Bank Ken Usdin - Jefferies John Pancari - Evercore Peter Winter - Wedbush Securities Gerard Cassidy - RBC Operator Good morning, everyone and welcome to the Citizens Financial Group First Quarter 2022 Earnings Conference Call. My name is Tony and I will be your operator today.

Citizens Financial Group, Inc. (CFG) CEO Bruce Van Saun on Q1 2022 Results - Earnings Call Transcript

Loan growth drives NII for Citizens Financial (CFG) in Q1 earnings, while muted asset yields dent margins.

Citizens Financial (CFG) Q1 Earnings Beat, Revenues Fall Y/Y

Citizens Financial Group (CFG) delivered earnings and revenue surprises of 13.83% and 0.31%, respectively, for the quarter ended March 2022. Do the numbers hold clues to what lies ahead for the stock?

Citizens Financial Group (CFG) Tops Q1 Earnings Estimates

Citizens Financial Group Inc. CFG, +0.88% shares advanced by 2.6% in premarket trades Tuesday after it reported strong-than-expected earnings. The bank said its first-quarter profit fell 33% to $396 million, or 93 cents a share, from $588 million, or $1.37 a share, in the year-ago quarter.

Citizens Financial Group shares rise after earnings beat

First-quarter adjusted earnings beat analysts' estimates as the acquisitive bank closed previously announced deals.

News for Citizens Financial Group Stock (CFG)