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

Strong fee income helped offset sluggish spread income and drive a nice pre-provision profit beat for the fourth quarter.

Citizens Financial Undervalued Ahead Of What Should Be Further Positive Transformation

Citigroup

KeyCorp

Regions Financial

U.S. Bancorp

The stock market is on pins and needles as interest rates shoot higher, as a huge increase would be dangerous for some sectors.

Interest Rates Headed Much Higher: 5 ‘Strong Buy' Dividend-Paying Banks

PROVIDENCE, R.I.--(BUSINESS WIRE)--Citizens Financial Group to Participate at the Credit Suisse 23rd Annual Financial Services Forum

Citizens Financial Group to Participate at the Credit Suisse 23rd Annual Financial Services Forum

The bank is highly asset sensitive and executing on its strategic initiatives.

4 Reasons Citizens Financial Group Is Well Positioned in 2022

PROVIDENCE, R.I.--(BUSINESS WIRE)--Middle-market companies and private-equity firms foresee an extremely strong year for the M&A market in 2022, with bullish forecasts for both deal volumes and for company valuations, according to a Citizens survey of 400 leaders at U.S. middle market companies and private equity firms. The survey saw an uptick in would-be sellers and continued interest from prospective buyers. Among PE firms, the majority (54%) say deal flow will increase from 2021's recor

Citizens Annual Middle Market M&A Outlook Finds Continued Strength

Citizens Financial Group, Inc. (CFG) CEO Bruce Van Saun on Q4 2021 Results - Earnings Call Transcript

Improved credit quality and loan growth drive Citizens Financial's (CFG) Q4 earnings, while a low-rate economy and muted asset yields dent margins.

Citizens Financial (CFG) Q4 Earnings & Revenues Beat, Loans Up

Citizens Financial Group (CFG) delivered earnings and revenue surprises of 8.62% and 3.39%, respectively, for the quarter ended December 2021. Do the numbers hold clues to what lies ahead for the stock?

Citizens Financial Group (CFG) Q4 Earnings and Revenues Surpass Estimates

PROVIDENCE, R.I.--(BUSINESS WIRE)--Citizens Financial Group, Inc. Reports Fourth Quarter 2021 Net Income of $530 million and EPS of $1.17

Citizens Financial Group, Inc. Reports Fourth Quarter 2021 Net Income of $530 million and EPS of $1.17

Citizens' (CFG) Q4 results will likely reflect fee-income growth, supported by higher card fees, and trust and investment services fees. Yet, low interest rates are likely to have hindered NII growth.

What's in the Offing for Citizens (CFG) in Q4 Earnings?

Fifth Third Bancorp

First Republic

M&T Bank

UBS on Thursday launched coverage of seven banks, including five with buy ratings and two with hold ratings, as the group is poised to benefit from higher interest rates. Analyst Erika Najarian said she expects 21% upside in these names, despite strong stock performances thus far in 2022.

UBS analyst Erika Najarian initiates coverage of large cap regional banks

Citizens Financial Group (CFG) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

Citizens Financial Group (CFG) Reports Next Week: Wall Street Expects Earnings Growth

Bank of America

Comerica

Silvergate Capital Corp

Wells Fargo

These banks will benefit a ton from rising interest rates.

5 of the Smartest Bank Stocks to Buy in the Rising Rate Environment

The stock market is on pins and needles as interest rates have shot higher. While a huge increase would be dangerous for some sectors, the reality is that it looks like the Federal Reserve will begin to raise rates this year and will speed up the tapering of the quantitative easing program much faster than earlier expected.

Interest Rates Explode Higher: Buy These 5 Big Dividend-Paying Bank Stocks Now

Citizens Financial's (CFG) efforts to boost corporate advisory capabilities and the banking franchise might support revenue growth. Yet, rising costs are likely to keep the bottom line under pressure.

Expansion Moves Aid Citizens Financial (CFG) Amid Rising Cost

Capital One

Huntington Bancshares

PNC Financial Services

SVB Financial Group

Truist Financial

2021 represented a recapture of prior years' underperformance where the regional banks outperformed the major indices (KBW Bank Index +36% vs. S&P 500 Index +28% and Nasdaq +22% in 2021). Bank relative P/Es at a cyclical low vs. the S&P despite their attractive prospects in a volatile rising rate environment.

Hang On To The Regional Banks As A Safe Haven In A Rocky, Rate-Driven Market

Ally Financial

Cullen/Frost Bankers

East West Bancorp

First Horizon National

F.N.B. Corp.

Goldman Sachs

JPMorgan Chase & Co

Morgan Stanley

Northern Trust

Synovus Financial

South State

Synchrony Financial

Texas Capital Bancshares

The forty largest banks in the U.S. saw their stock prices appreciate by 34% on average YTD 2021, eclipsing the 25% price gain for the S&P. Bank analysts are bullish for 2022, looking for an average price gain of 18% for the 40 banks.

Bank Analysts' Top 2022 Picks, 2021 Analyst Report Card, My Thoughts On 2022

PROVIDENCE, R.I.--(BUSINESS WIRE)--Citizens Financial Group Announces Fourth Quarter and Full Year 2021 Earnings Conference Call Details

Citizens Financial Group Announces Fourth Quarter and Full Year 2021 Earnings Conference Call Details

Citizens Financial (CFG) aims to enhance its technology-advisory capabilities by acquiring private investment banking firm DH Capital.

Citizens Financial (CFG) on Buyout Spree, To Buy DH Capital

Federal Reserve Chair Jay Powell finally has decided to get tough with inflation. After years of zero interest rates, and constant stimulus, things are going to change.

Interest Rates to Rise in 2022 and 2023: 5 Big Dividend Paying Banks to Buy Now

PROVIDENCE, R.I.--(BUSINESS WIRE)--Citizens Financial Group, Inc. (NYSE: CFG) today announced a definitive agreement to purchase substantially all of the assets of DH Capital LLC, a private investment banking firm serving companies in the Internet infrastructure, software and next generation IT services, and communications sectors. This transaction, which follows several recent moves by Citizens to add key talent and solutions, further strengthens Citizens' growing corporate advisory capabiliti

Citizens Financial Group Expands M&A Advisory Team with DH Capital Acquisition

Affirm

Microsoft

This stock has a growing buy-now-pay-later business, but also many other business segments making it less concentrated.

Want Exposure to the Buy-Now-Pay-Later Space With Less Risk? Try This Stock

Citizens Financial Group is expanding its partnership with the Microsoft Store and offering no-interest, point-of-sale financing through the bank's Citizens Pay platform, according to a press release on Monday (Dec. 6). The new financing option offers an alternative way to pay for Microsoft products like the new Surface Pro 8, Surface Duo 2, Windows 11 […]

Citizens Pay Expands Across Microsoft Store for Interest-Free POS Financing

PROVIDENCE, R.I.--(BUSINESS WIRE)--Citizens will provide broad point-of-sale financing for Microsoft Store as part of a newly expanded relationship with the global technology leader. Customers now have access to no-interest financing across all Microsoft hardware, accessories and subscription services purchased through microsoft.com in the U.S. through the bank's innovative Citizens Pay platform, offering an alternative way to finance products such as the new Surface Pro 8, Surface Duo 2, Windo

Citizens Extends Point-of-Sale Financing Offer to Microsoft Store

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

News for Citizens Financial Group Stock (CFG)