Revenue segments as reported by the company.

Net interest income

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

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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.

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OpEx Y/Y

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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

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.

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Ally Financial

Regions Financial

One way to find potential value opportunities is to look for stocks that are trading below their Graham Number, as such stocks could be trading at a discount to their intrinsic value. The Graham Number is calculated as the square root of "earnings per share times book value per share times 22.5.

A Trio of Large-Cap Graham Stocks to Consider

PROVIDENCE, R.I.--(BUSINESS WIRE)--Citizens Financial Group, Inc. (NYSE: CFG or “Citizens”) today announced that it has entered into a definitive agreement to acquire Willamette Management Associates, a valuation consulting and forensic analysis firm with offices in Chicago, Atlanta and Portland, Ore. This transaction further strengthens our growing corporate financial advisory capabilities and places Citizens among the top valuation services providers in the country. Founded in 1969, Willamett

Citizens Financial Group Expands Financial Valuation Practice with Willamette Management Associates Acquisition

It's a good example of a business taking more than one step to address an opportunity.

This Regional Bank Used One Deal to Pave the Way for a Much Bigger One

The bank beat expectations on earnings per share, but disappointed on overall loan growth in the quarter.

Citizens Financial Disappointed in Q2, but Still May Outperform This Year

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Investors Bancorp

NEW ORLEANS--(BUSINESS WIRE)--Former Attorney General of Louisiana Charles C. Foti, Jr., Esq. and the law firm of Kahn Swick & Foti, LLC (“KSF”) are investigating the proposed sale of Investors Bancorp, Inc. (NasdaqGS: ISBC) to Citizens Financial Group, Inc. (NYSE: CFG). Under the terms of the proposed transaction, shareholders of Investors will receive 0.297 of a share of Citizens and $1.46 in cash for each share of Investors they own. KSF is seeking to determine whether this consideration

INVESTORS BANCORP INVESTOR ALERT by the Former Attorney General of Louisiana: Kahn Swick & Foti, LLC Investigates Adequacy of Price and Process in Proposed Sale of Investors Bancorp, Inc. - ISBC

NEW YORK, July 28, 2021 /PRNewswire/ -- WeissLaw LLP is investigating possible breaches of fiduciary duty and other violations of law by the board of directors of Investors Bancorp, Inc. ("Investors Bancorp" or the "Company") (NASDAQ: ISBC) in connection with the proposed cash-and-stock acquisition of the Company by Citizens Financial Group, Inc. ("Citizens Financial") (NYSE: CFG). Under the terms of the merger agreement, Investors Bancorp shareholders will receive $1.46 in cash and 0.297 shares of Citizens Financial stock for each Investors Bancorp share they own, representing implied per-share merger consideration of approximately $14.62 based upon Citizens Financial's July 27, 2021 closing price of $44.32.

SHAREHOLDER ALERT: WeissLaw LLP Investigates Investors Bancorp, Inc.

Citizens Financial agreed to buy Investors Bancorp, announcing its second major deal this year.

Citizens Financial beefs up NYC presence with $3.5B deal for Investors Bancorp

Citizens Financial Group, Inc. which operates Citizens Bank branches in 11 states, announced on Wednesday (July 28) that it has entered into an agreement and merger plan valued at approximately $3.5 billion to acquire all outstanding shares of Investors Bancorp, Inc., Inc. for a combination of stock and cash. Investors operates 154 bank branches in […]

Citizens Financial To Buy Investors Bank In $3.5B Deal

Citizens Financial Group Inc. said Wednesday it has agreed to acquire Investors Bancorp Inc. in a deal with an implied value of about $3.5 billion. Under the terms of the deal, Investors Bancorp shareholders will receive 0.297 of a Citizens stock and $1.46 in cash for each share owned, and will own 14% of the combined company The deal is expected to close in the first or second quarter of 2022.

Citizens Financial to acquire Investors Bancorp in deal valued at about $3.5 billion

Solidifies Citizens' banking franchise serving communities in the greater New York City and Philadelphia metropolitan areas and across New Jersey

Citizens Financial Group, Inc. Announces Agreement to Acquire Investors Bancorp, Inc.

Citizens had a pretty mixed second quarter, with all of the earnings upside coming from reserve releases and a small fee income-driven miss on a pre-provision basis.

Leveraged To Both A Recovery And Self-Improvement, Citizens Financial Continues To Outperform

PROVIDENCE, R.I.--(BUSINESS WIRE)--Citizens announced today that the strength of the economic recovery pushed this past quarter's national Citizens Business Conditions Index™ (CBCI) to 57, its highest reading in three years and up five points compared to last year. A reading above 50 is considered expansionary. “What we see at this stage of the recovery is strong momentum – the payoff of vaccinations, of the ongoing power of fiscal and monetary support, and of the growing readiness to return to

Citizens Business Conditions Index™ Reaches Highest Level in Three Years as Economic Recovery Gains Momentum

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PROVIDENCE, R.I.--(BUSINESS WIRE)--Citizens today launched its Green Deposits program to allow corporate clients to direct their cash reserves toward companies and projects that are expected to create a positive environmental impact. The Green Deposits solution gives clients the opportunity to direct deposits to investments in sectors such as energy efficiency; renewable energy; green transport; sustainable food, agriculture, and forestry; waste management; and greenhouse gas reduction. “Recogn

Citizens Launches Green Deposits for Corporate Clients

Citizens Financial Group, Inc. (CFG) CEO Bruce Van Saun on Q2 2021 Results - Earnings Call Transcript

Citizens' (CFG) Q2 earnings reflect improved credit quality and solid capital position, despite a low-rate economy denting its margins.

Citizens (CFG) Q2 Earnings Beat Estimates, Revenues Down Y/Y

Citizens Financial Group (CFG) delivered earnings and revenue surprises of 28.07% and -1.54%, respectively, for the quarter ended June 2021. Do the numbers hold clues to what lies ahead for the stock?

Citizens Financial Group (CFG) Beats Q2 Earnings Estimates

Shares of Citizens Financial Group (NYSE:CFG) rose 0.1% in pre-market trading after the company reported Q2 results. Quarterly Results Earnings per share increased 175.47% year over year to $1.46, which beat the estimate of $1.09.

Recap: Citizens Financial Group Q2 Earnings

PROVIDENCE, R.I.--(BUSINESS WIRE)--Citizens Financial Group, Inc. Reports Second Quarter 2021 Net Income of $648 million and EPS of $1.44

Citizens Financial Group, Inc. Reports Second Quarter 2021 Net Income of $648 million and EPS of $1.44

Citizens Financial (CFG) is seeing favorable earnings estimate revision activity and has a positive Zacks Earnings ESP heading into earnings season.

Should You Buy Citizens Financial (CFG) Ahead of Earnings?

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We have narrowed down our search to five stocks that witnessed robust earnings estimate revisions within the last 30 days and have strong upside left for the rest of 2021. These are: CFG, CIT, CINF, IP and COP.

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Citizens' (CFG) Q2 earnings are likely have been favorably impacted by capital market fees and improved asset quality, despite a low-rate economy which might have dented the NII.

Equity and Debt Underwriting to Aid Citizens (CFG) Q2 Earnings

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PROVIDENCE, R.I.--(BUSINESS WIRE)--Citizens Financial Group, Inc. (NYSE: CFG) today was named “Best U.S. Bank” by Euromoney as part of the magazine's Awards for Excellence 2021. The award recognizes the U.S. bank that brings the highest level of service, innovation and expertise to its customers. The judging period for the 2021 awards ran from March 2020 through March 2021, and included criteria such as financial metrics, strategic execution, and performance relative to peers. In announcing the

News for Citizens Financial Group Stock (CFG)