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

The future margin is more likely to expand than contract, in my view, additive to the overall profitability profile.

Citizens Financial: An Unjustly Discounted Valuation Provides Ample Upside For Shares

PROVIDENCE, R.I.--(BUSINESS WIRE)--Citizens Financial Group to Participate at the Bank of America Future of Financials Virtual Conference 2020

Citizens Financial Group to Participate at the Bank of America Future of Financials Virtual Conference 2020

PROVIDENCE, R.I.--(BUSINESS WIRE)--Citizens Financial Group to Present at the 39th Annual BancAnalysts Association of Boston Conference

Citizens Financial Group to Participate at the 39th Annual BancAnalysts Association of Boston Conference

Citizens Financial Group (CFG) is seeing positive earnings estimate revisions, suggesting that it could be a solid choice for investors.

Why Citizens Financial Group (CFG) Could Be Positioned for a Surge

PROVIDENCE, R.I.--(BUSINESS WIRE)--Citizens Financial Group Announces Schedule for Earnings Conference Calls through Fourth-Quarter 2021

Citizens Financial Group Announces Schedule for Earnings Conference Calls Through Fourth-Quarter 2021

PROVIDENCE, R.I.--(BUSINESS WIRE)--Citizens Financial Group Announces Final Results of its Private Exchange Offers for Five Series of Subordinated Notes and Related Tender Offers

Citizens Financial Group Announces Final Results of its Private Exchange Offers for Five Series of Subordinated Notes and Related Tender Offers

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PROVIDENCE, R.I.--(BUSINESS WIRE)--Citizens Financial Group Announces Expiration and Expiration Date Results of its Private Exchange Offers for Five Series of Subordinated Notes

Citizens Financial Group Announces Expiration and Expiration Date Results of its Private Exchange Offers for Five Series of Subordinated Notes and Related Tender Offers

PROVIDENCE, R.I.--(BUSINESS WIRE)--Citizens Financial Group, Inc. (“Citizens”) (NYSE: CFG) today announced the pricing terms of its two previously announced related transactions to repurchase five series of its outstanding subordinated notes.

Citizens Financial Group Announces Pricing Terms of its Private Exchange Offers for Five Series of Subordinated Notes and Related Tender Offers Open to Certain Investors

PROVIDENCE, R.I.--(BUSINESS WIRE)--As previously announced, Citizens Financial Group, Inc. (NYSE: CFG) will report its third quarter 2020 earnings on October 16, 2020. 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 Third Quarter 2020 Earnings Conference Call Details

Citizens Financial Group (CFG) has been upgraded to a Zacks Rank #2 (Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term.

Citizens Financial Group (CFG) Upgraded to Buy: Here's Why

Revenue growth, strong balance sheet and involvement in capital-deployment activities indicate Citizens Financial's (CFG) upside potential.

6 Reasons That Make Citizens Financial an Attractive Pick

Citizens management seems comfortable with the credit outlook; criticized loan balances are heading higher, but deferrals have shrunk and it looks like significant reserve additions won't be necessary.

Citizens Financial's Discount Is Shrinking, But It's Still Too Wide Relative To The Opportunity

PROVIDENCE, R.I.--(BUSINESS WIRE)--Citizens Financial Group, Inc.

Citizens Financial Group, Inc. Director Earns Recognition on Annual List of Most Influential Boardroom Leaders

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

Why Is Citizens Financial Group (CFG) Up 1.8% Since Last Earnings Report?

PROVIDENCE, R.I.--(BUSINESS WIRE)--Citizens Financial Group to Present at the Barclays Global Financial Services Conference

Citizens Financial Group to Present at the Barclays Global Financial Services Conference

In trading on Wednesday, shares of Citizens Financial Group were yielding above the 6% mark based on its quarterly dividend (annualized to $1.56), with the stock changing hands as low as $25.82 on the day.

Citizens Financial Group Shares Cross 6% Yield Mark

Citizens Financial Group: Value or Value Trap?

Citizens Financial Group, Inc. Announces Final Stress Capital Buffer Requirement

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MANSFIELD, Pa., July 27, 2020 /PRNewswire/ -- Citizens Financial Services, Inc.

Citizens Financial Services, Inc. Reports Unaudited Second Quarter 2020 Financial Results

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Citizens delivered a big operating beat in the second quarter; lower provisioning expense was a significant help, but the core pre-provision beat was still sizable too.

Citizens Financial Deserves Better Than A 20% Discount To Tangible Book

Citizens Financial Group, Inc. (CFG) CEO Bruce Van Saun on Q2 2020 Results - Earnings Call Transcript

Although higher fee income supports Citizens' (CFG) Q2 earnings, a drastic increase in credit costs amid the coronavirus mayhem hurts.

News for Citizens Financial Group Stock (CFG)