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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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Year over year growth in Revenue and Operating Expenses.

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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

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Earnings data Q1 2022

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Earnings data Q1 2023

Earnings data Q2 2023

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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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PROVIDENCE, R.I.--(BUSINESS WIRE)--Citizens Financial Group, Inc. (NYSE: CFG or “Citizens”) today reported third quarter 2023 financial results. The earnings press release, investor presentation, and financial supplement are available at http://investor.citizensbank.com. In addition, these materials will be furnished to the Securities and Exchange Commission (SEC) on a Form 8-K and will be available on the SEC website at www.sec.gov. “We continue to post solid results through a dynamic environm.

Citizens Financial Group, Inc. Reports Third Quarter 2023 Net Income of $430 million and EPS of $0.85

A weaker lending environment and high funding costs are likely to have affected Citizens Financials' (CFG) NII. Nonetheless, a rise in non-interest income is likely to have supported Q3 earnings.

Key Factors to Affect Citizens Financial's (CFG) Q3 Earnings

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Challenges Loom for Regional Banks as Interest Rates Surge

PROVIDENCE, R.I.--(BUSINESS WIRE)--Citizens Financial Group, Inc. (NYSE: CFG) today announced plans to release 2025 quarterly financial results and host live conference calls on the following dates. First Quarter 2025 – Wednesday, April 16, 2025 at 8 am ET Second Quarter 2025 – Wednesday, July 16, 2025 at 9 am ET Third Quarter 2025 – Thursday, October 16, 2025 at 8 am ET Fourth Quarter 2025 – Wednesday, January 21, 2026 at 9 am ET Dial-in information for these calls will be provided at a later.

Citizens Financial Group Announces Earnings Conference Call Schedule for 2025 Quarterly Financial Results

Citizens Financial Group is upgraded to Strong Buy, from my June rating of Buy. Positives: 6.3% dividend yield, undervalued, earnings growth, company financial strength, share price presents buy opportunity for long-term investors. Risk of squeezing net interest margins has been discussed.

Citizens Financial Upgrade To Strong Buy, Undervalued With 6.3% Dividend Yield

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Higher interest rates, which were supposed to be a savior for the sector, have instead led to many problems.

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PROVIDENCE, R.I.--(BUSINESS WIRE)--Citizens Financial Group (NYSE: CFG) announced today that its Citizens Bank, N.A. subsidiary has received the highest possible rating from the Office of the Comptroller of the Currency (OCC) for its most recent performance under the Community Reinvestment Act (CRA). Citizens has consistently achieved an Outstanding rating since its IPO in 2015. “Citizens is committed to ensuring the communities we serve have access to the resources needed to reach their potent.

Citizens Achieves ‘Outstanding' Community Reinvestment Act Rating

PROVIDENCE, R.I.--(BUSINESS WIRE)--Citizens Financial Group, Inc. (NYSE: CFG or “Citizens”) today announced a $50 billion Sustainable Finance Target including $5 billion in green financing, by 2030. The company also announced that it will engage corporate clients in high-emitting sectors on climate-related topics. To start, it will engage 100% of its Oil & Gas clients by the end of 2024. In addition, Citizens has committed to achieving carbon neutrality by 2035. “Our approach to sustainabil.

Citizens Financial Group Announces $50 Billion Sustainable Finance Target

When Silicon Valley Bank imploded in March, Sam Heshmati wasn't naive enough to think that First Republic Bank — where he had worked for more than a decade and helped launch their startup practice — wouldn't be affected. He recalls watching everything unfold at his former employer with both sadness and surprise.

Armed with First Republic alums, Citizens Bank unveils new startup-focused private bank

NEW YORK--(BUSINESS WIRE)--Citizens has become the Official Bank of the New York Road Runners (NYRR), the world's premiere community running organization, and the TCS New York City Marathon, the world's largest marathon, through a five-year Foundation Level partnership. As part of the agreement, Citizens will also serve as the first-ever title sponsor of the Queens 10K, an event that attracts more than 10,000 runners every June and is NYRR's staple race in the city's most diverse borough. “Citi.

Citizens Named Official Bank of the New York Road Runners and TCS New York City Marathon

Citizens Financial (CFG) underlines balance-sheet optimization plans to strengthen its capital and liquidity position. It also aims to increase structural funding and reduce FHLB borrowings.

Citizens Financial (CFG) to Fortify Balance Sheet, Liquidity

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3 Bank Stocks to Buy Yielding 5% or More

PROVIDENCE, R.I.--(BUSINESS WIRE)--As previously announced, Citizens Financial Group, Inc. (NYSE: CFG) will report its third quarter 2023 earnings on October 18, 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: Time: 9:00 am (ET) Dial-in: Individuals may call in by dialing 877-226-8189, conference ID 6086305 Webcast/Presentation: The live webcast will be.

Citizens Financial Group Announces Third Quarter 2023 Earnings Conference Call Details

First Citizens BancShares

Financial Select Sector SPDR Fund

Eighteen regional banks may add about $63 billion of holding company debt to meet proposed regulatory guidelines for lending institutions of $100 billion to $250 billion of assets, in the latest challenge to the sector, according to a Bloomberg report.

Regional banks may saddle themselves with $63B in fresh debt to meet regulatory requirements: report

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The U.S. Federal Reserve has warned regional banks about stricter liquidity requirements in a fresh regulatory push that will impact 2024 earnings of six affected banks, an analyst at J.P. Morgan said in a research note on Thursday.

Here's how much regional banks could lose under new liquidity rules

JPMorgan Chase & Co

Proposed stringent rules that aim to further strengthen the banking industry's resilience are likely to put pressure on margins of banks like PNC Financial (PNC), Citizens Financial (CFG), Zions (ZION), Fifth Third Bancorp (FITB) and JPMorgan (JPM).

U.S. Regional Banks May Face Tougher Regulatory Provisions

First Republic Bank

Moody's

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The failure of three large midsize banks in 2023 has regulators watching closely for signs of further risk to the banking system. A key concern is making sure the largest of this group are well capitalized enough to make all depositors whole in a failure scenario.

These Banks Are About to Face (Another) Profit Headwind: What It Means for Investors

Citizens Financial Group's Q2 results showed a strong increase in interest income and net interest income. The bank's loan book consists of $151 billion in loans, with only a small percentage classified as non-accrual or past due. The Series D preferred shares of Citizens Financial Group could be an attractive option for income-focused investors, with the potential for a call in April 2024.

Citizens Financial Group: A Potential 10% Preferred Dividend Yield Upon Reset

Citizens Financial Group offers series D preferred stock with a 7.06% current yield and potential for higher returns. The preferred stock converts to a floating rate based on SOFR + 26.16 bps + 3.642% after April 6, 2024. Investors can expect a total return of 16.4% over 7.4 months if the stock is called, or a 9.2% dividend if it is not called.

Earn Double-Digit Returns With CFG Preferred Stock

KeyCorp

During times of turbulence and uncertainty in the markets, many investors turn to dividend-yielding stocks. These are often companies that have high free cash flows and reward shareholders with a high dividend payout.

These 3 Financial Stocks With Over 6% Dividend Yields Are Recommended By Wall Street's Most Accurate Analysts - Citizens Financial Group (NYSE:CFG), Comerica (NYSE:CMA)

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One regional bank stands out among peers in important operational ratios. Investors may have overreacted to falling demand for this pharmaceutical stock's COVID-19 treatments.

3 Dividend Stocks to Buy on Sale

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These 20 dividend-paying stocks get a double boost from declining interest rates

PROVIDENCE, R.I.--(BUSINESS WIRE)--Citizens Financial Group, Inc. (NYSE: CFG) announced today that Vice Chairman and Chief Financial Officer John Woods and Vice Chairman and Head of Consumer Banking Brendan Coughlin will participate at the Barclays Global Financial Services Conference on Monday, September 11, 2023 at 11:15 am ET. The live webcast will be available at http://investor.citizensbank.com under Events & Presentations. About Citizens Financial Group, Inc. Citizens Financial Group,.

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

Citizens Financial's share price plunged year-to-date due to fears related to regional banks after several March failures. At the same time, CFG demonstrates solid financial performance and has made promising acquisitions in recent years. My valuation analysis suggests there is massive upside potential, and CFG stock also offers a 6% forward dividend yield.

Citizens Financial: Attractively Valued And Offering A Solid 6% Yield

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Shares of the biggest banks in the U.S., including JPMorgan Chase & Co. NYSE: JPM, Bank of America NYSE: BAC, Citigroup Inc. NYSE: C, Wells Fargo & Co. NYSE: WFC and Morgan Stanley NYSE: MS traded lower on August 16, continuing sector declines that began earlier in the week.

News for Citizens Financial Group Stock (CFG)