Last 7 days
-17.2%
Last 30 days
-27.5%
Last 90 days
-17.8%
Trailing 12 Months
-33.2%
Name | Mkt Capsorted ascending | Revenue | Price %, 1M | Returns, 1Y | P/E | P/S | Rev 1-Yr | Inc 1-Yr |
---|---|---|---|---|---|---|---|---|
LARGE-CAP | ||||||||
BNS | 56.4B | 40.0B | -14.70% | -31.35% | 5.3 | 1.79 | 34.99% | -10.60% |
MTB | 22.3B | 6.2B | -22.59% | -28.16% | 16.16 | 3.57 | 58.61% | -25.85% |
CFG | 16.0B | 7.1B | -27.51% | -33.22% | 7.74 | 2.27 | 45.54% | -10.61% |
MID-CAP | ||||||||
EWBC | 8.2B | 2.3B | -27.37% | -24.64% | 7.29 | 3.54 | 43.40% | 29.22% |
CBSH | 7.2B | 999.0M | -11.45% | -17.22% | 14.81 | 7.24 | 17.76% | -7.98% |
SIVB | 6.3B | 5.7B | -67.21% | -80.32% | 3.9 | 1.11 | 72.48% | -22.38% |
PB | 5.9B | 1.1B | -15.99% | -8.34% | 11.26 | 5.39 | 4.58% | 1.01% |
FFIN | 4.6B | 432.9M | -14.26% | -28.54% | 19.6 | 10.62 | 15.00% | 3.04% |
WAL | 4.0B | 2.7B | -56.96% | -60.33% | 3.75 | 1.47 | 62.28% | 17.58% |
BPOP | 3.8B | 2.5B | -26.66% | -36.10% | 3.43 | 1.54 | 16.17% | 17.94% |
SMALL-CAP | ||||||||
BANR | 2.0B | 450.9M | -15.05% | -7.40% | 10.04 | 4.35 | 1.16% | -2.82% |
SBCF | 1.9B | 380.5M | -23.55% | -29.09% | 17.63 | 4.94 | 51.31% | -14.39% |
LKFN | 1.8B | 239.6M | -3.96% | -15.64% | 17.15 | 7.43 | 23.99% | 8.44% |
HTLF | 1.7B | 674.7M | -20.29% | -19.11% | 7.99 | 2.51 | 14.59% | -3.52% |
Income Statement (Last 12 Months) | (In Millions) | |||||
---|---|---|---|---|---|---|
Description | (%) Q/Q | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 |
Revenue | 17.5% | 7,060 | 6,010 | 5,263 | 4,848 | 4,851 |
EBITDA | 7.7% | 9,232 | 8,574 | 7,727 | 7,814 | - |
EBITDA Margin | -8.3% | 1.31* | 1.43* | 1.47* | 1.61* | - |
Earnings Before Taxes | 5.7% | 2,655 | 2,511 | 2,379 | 2,732 | 2,977 |
EBT Margin | -10.0% | 0.38* | 0.42* | 0.41* | 0.56* | - |
Interest Expenses | 10.5% | 6,012 | 5,443 | 4,923 | 4,542 | 4,512 |
Net Income | 6.3% | 2,073 | 1,950 | 1,844 | 2,128 | 2,319 |
Net Income Margin | -9.5% | 0.29* | 0.32* | 0.35* | 0.44* | - |
Free Cahsflow | 8.9% | 4,119 | 3,783 | 2,063 | 4,519 | - |
Balance Sheet | (In Millions) | |||||
---|---|---|---|---|---|---|
Description | (%) Q/Q | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 |
Assets | 0.9% | 226,733 | 224,684 | 226,712 | 192,097 | 188,409 |
Cash Equivalents | 29.3% | 10,547 | 8,160 | 6,514 | 9,936 | 9,158 |
Net PPE | 2.1% | 844 | 827 | 885 | 793 | 768 |
Goodwill | 0.2% | 8,173 | 8,160 | 8,081 | 873 | 7,116 |
Liabilities | 0.7% | 203,043 | 201,538 | 202,384 | 170,023 | 164,989 |
. Short Term Borrowings | -98.9% | 3.00 | 263 | 3,800 | 25.00 | 74.00 |
Long Term Debt | -2.4% | 15,887 | 16,286 | 14,440 | 5,894 | 6,932 |
Shareholder's Equity | 2.4% | 23,690 | 23,146 | 24,328 | 22,074 | 23,420 |
Retained Earnings | 4.7% | 9,159 | 8,748 | 8,346 | 8,209 | 7,978 |
Additional Paid-In Capital | 0.1% | 22,142 | 22,121 | 22,100 | 19,021 | 19,005 |
Accumulated Depreciation | - | 804 | - | - | - | - |
Shares Outstanding | -0.7% | 492 | 496 | 496 | 423 | 422 |
Cashflow (Last 12 Months) | (In Millions) | |||||
---|---|---|---|---|---|---|
Description | (%) Q/Q | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 |
Cashflow From Operations | 8.9% | 4,119 | 3,783 | 2,063 | 4,519 | 2,275 |
Share Based Compensation | 5.0% | 84.00 | 80.00 | 76.00 | 70.00 | 59.00 |
Cashflow From Investing | 36.7% | -12,637 | -19,978 | -22,145 | -13,328 | -10,486 |
Cashflow From Financing | -6.9% | 9,907 | 10,639 | 13,955 | 4,085 | 4,636 |
Dividend Payments | 5.7% | 779 | 737 | 695 | 668 | 670 |
Buy Backs | -24.3% | 153 | 202 | 202 | 200 | 295 |
67.7%
50.4%
19.2%
Y-axis is the maximum loss one would have experienced if Citizens Financial Group was unfortunately bought at previous high price.
9.0%
-3.2%
14.6%
FIve years rolling returns for Citizens Financial Group.
Datesorted ascending | Fund Name | Type | % Chg | $ Change | $ Held | % Portfolio |
---|---|---|---|---|---|---|
2023-03-15 | B. Riley Wealth Advisors, Inc. | sold off | -100 | -212,000 | - | -% |
2023-03-10 | VICTORY CAPITAL MANAGEMENT INC | reduced | -10.11 | 1,057,310 | 36,368,300 | 0.04% |
2023-03-07 | Nordwand Advisors, LLC | new | - | 1,034,680 | 1,034,680 | 0.13% |
2023-03-06 | Rockefeller Capital Management L.P. | reduced | -7.88 | 239,000 | 4,542,000 | 0.02% |
2023-03-03 | Crumly & Associates Inc. | unchanged | - | 30,362 | 237,362 | 0.09% |
2023-02-28 | Trust Investment Advisors | reduced | -1.2 | -272,193 | 567,807 | 0.54% |
2023-02-28 | Voya Investment Management LLC | added | 0.03 | 1,783,330 | 13,990,300 | 0.02% |
2023-02-27 | ST GERMAIN D J CO INC | new | - | 24,016 | 24,016 | 0.01% |
2023-02-24 | National Pension Service | reduced | -1.7 | 4,000,640 | 31,920,500 | 0.06% |
2023-02-24 | NATIXIS | added | 12.29 | 314,800 | 1,414,800 | 0.01% |
Date Filed | Name of Filer | Percent of Class | No. of Shares | Form Type | |
---|---|---|---|---|---|
Feb 13, 2023 | capital international investors | 4.7% | 23,354,432 | SC 13G/A | |
Feb 13, 2023 | blackrock inc. | 11.2% | 55,050,924 | SC 13G/A | |
Feb 09, 2023 | vanguard group inc | 11.81% | 58,172,255 | SC 13G/A | |
Feb 06, 2023 | state street corp | 5.16% | 25,425,186 | SC 13G/A | |
Jan 20, 2023 | blackrock inc. | 11.2% | 55,050,924 | SC 13G/A | |
Feb 11, 2022 | capital international investors | 7.2% | 30,845,906 | SC 13G/A | |
Feb 10, 2022 | state street corp | 5.70% | 24,290,700 | SC 13G/A | |
Feb 09, 2022 | vanguard group inc | 11.50% | 49,015,558 | SC 13G/A | |
Feb 01, 2022 | blackrock inc. | 9.5% | 40,372,501 | SC 13G/A | |
Jan 31, 2022 | invesco ltd. | 4.2% | 18,013,623 | SC 13G/A |
Fair Value | Very Pessimistic | Pessimistic | Base Case | Optimistic | Very Optimistic |
---|---|---|---|---|---|
Very Low Inflation | 36.63 12.40% | 48.85 49.89% | 93.00 185.36% | 142.72 337.93% | 171.42 425.99% |
Current Inflation | 33.49 2.76% | 44.15 35.47% | 81.93 151.40% | 124.09 280.76% | 148.09 354.40% |
Very High Inflation | 29.56 -9.30% | 38.37 17.74% | 68.81 111.14% | 102.38 214.15% | 121.13 271.68% |
Date Filed | Form Type | Document | |
---|---|---|---|
Mar 10, 2023 | DEF 14A | DEF 14A | |
Mar 10, 2023 | DEFA14A | DEFA14A | |
Mar 10, 2023 | ARS | ARS | |
Mar 03, 2023 | 4 | Insider Trading | |
Mar 03, 2023 | 4/A | Insider Trading | |
Mar 03, 2023 | 4 | Insider Trading | |
Mar 03, 2023 | 4 | Insider Trading | |
Mar 03, 2023 | 4 | Insider Trading | |
Mar 03, 2023 | 4 | Insider Trading | |
Mar 03, 2023 | 4 | Insider Trading |
Datesorted ascending | Name | Buy/Sell | $ Value | Avg. Price | # Shares | Title |
---|---|---|---|---|---|---|
2023-03-02 | Johnson Elizabeth S. | sold (taxes) | -193,819 | 41.61 | -4,658 | chief experience officer |
2023-03-02 | LaMonica Susan | sold (taxes) | -417,515 | 41.61 | -10,034 | chief human resources officer |
2023-03-02 | VAN SAUN BRUCE | sold (taxes) | -3,077,140 | 41.61 | -73,952 | chairman and ceo |
2023-03-02 | GRIGGS MALCOLM D | sold (taxes) | -379,358 | 41.61 | -9,117 | chief risk officer |
2023-03-02 | Ruttledge Michael | sold (taxes) | -249,202 | 41.61 | -5,989 | chief information officer |
2023-03-02 | Coughlin Brendan | sold (taxes) | -199,354 | 41.61 | -4,791 | head of consumer banking |
2023-03-02 | Read Craig Jack | sold (taxes) | -65,410 | 41.61 | -1,572 | controller |
2023-03-02 | Woods John F | sold (taxes) | -1,024,850 | 41.61 | -24,630 | chief financial officer |
2023-03-02 | MCCREE DONALD H III | sold (taxes) | -1,192,170 | 41.61 | -28,651 | vice chair, commercial banking |
2023-03-01 | Ruttledge Michael | sold (taxes) | -87,904 | 41.76 | -2,105 | chief information officer |
CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) $ in Millions | 12 Months Ended | ||
---|---|---|---|
Dec. 31, 2022 | Dec. 31, 2021 | Dec. 31, 2020 | |
INTEREST INCOME: | |||
Interest and fees on loans and leases | $ 5,968 | $ 4,253 | $ 4,719 |
Interest and fees on loans held for sale | 67 | 82 | 75 |
Interest and fees on other loans held for sale | 57 | 13 | 33 |
Investment securities | 840 | 487 | 519 |
Interest-bearing deposits in banks | 128 | 16 | 11 |
Total interest income | 7,060 | 4,851 | 5,357 |
INTEREST EXPENSE: | |||
Deposits | 651 | 160 | 509 |
Short-term borrowed funds | 23 | 1 | 2 |
Long-term borrowed funds | 374 | 178 | 260 |
Total interest expense | 1,048 | 339 | 771 |
Net interest income | 6,012 | 4,512 | 4,586 |
Provision (benefit) for credit losses | 474 | (411) | 1,616 |
Net interest income after provision (benefit) for credit losses | 5,538 | 4,923 | 2,970 |
NONINTEREST INCOME: | |||
Service charges and fees | 420 | 409 | 403 |
Capital markets fees | 368 | 428 | 250 |
Card fees | 273 | 250 | 217 |
Mortgage banking fees | 261 | 434 | 915 |
Trust and investment services fees | 249 | 239 | 203 |
Foreign exchange and derivative products | 188 | 120 | 120 |
Letter of credit and loan fees | 159 | 156 | 140 |
Securities gains, net | 9 | 10 | 4 |
Other income | 82 | 89 | 67 |
Total noninterest income | 2,009 | 2,135 | 2,319 |
NONINTEREST EXPENSE: | |||
Salaries and employee benefits | 2,549 | 2,132 | 2,123 |
Outside services | 700 | 595 | 553 |
Equipment and software | 648 | 610 | 565 |
Occupancy | 410 | 333 | 331 |
Other operating expense | 585 | 411 | 419 |
Total noninterest expense | 4,892 | 4,081 | 3,991 |
Income before income tax expense | 2,655 | 2,977 | 1,298 |
Income tax expense | 582 | 658 | 241 |
NET INCOME | 2,073 | 2,319 | 1,057 |
Net income available to common stockholders | $ 1,960 | $ 2,206 | $ 950 |
Weighted-average common shares outstanding: | |||
Basic (in shares) | 475,959,815 | 425,669,451 | 427,062,537 |
Diluted (in shares) | 477,803,142 | 427,435,818 | 428,157,780 |
Per common share information: | |||
Basic earnings (in dollars per share) | $ 4.12 | $ 5.18 | $ 2.22 |
Diluted earnings (in dollars per share) | $ 4.10 | $ 5.16 | $ 2.22 |
CONSOLIDATED BALANCE SHEETS - USD ($) $ in Millions | Dec. 31, 2022 | Dec. 31, 2021 | ||||
---|---|---|---|---|---|---|
ASSETS: | ||||||
Cash and due from banks | $ 1,489 | $ 1,155 | ||||
Interest-bearing cash and due from banks | 9,058 | 8,003 | ||||
Interest-bearing deposits in banks | 303 | 316 | ||||
Debt securities available for sale, at fair value (including $— and $640 pledged to creditors, respectively) | [1] | 24,007 | 26,067 | |||
Debt securities held to maturity (fair value of $— and $2,289, respectively, and including $— and $77 pledged to creditors, respectively) | [1] | 9,834 | 2,242 | |||
Loans held for sale, at fair value | 774 | 2,733 | ||||
Other loans held for sale | 208 | 735 | ||||
Loans and leases | 156,662 | 128,163 | ||||
Less: Allowance for loan and lease losses | (1,983) | (1,758) | ||||
Net loans and leases | 154,679 | 126,405 | ||||
Derivative assets | 842 | 1,216 | ||||
Premises and equipment, net | 844 | 768 | ||||
Bank-owned life insurance | 3,236 | 2,843 | ||||
Goodwill | 8,173 | 7,116 | ||||
Other intangible assets | [2] | 197 | 64 | |||
Other assets | 13,089 | 8,746 | ||||
TOTAL ASSETS | 226,733 | 188,409 | ||||
Deposits: | ||||||
Noninterest-bearing | 49,283 | 49,443 | ||||
Interest-bearing | 131,441 | 104,918 | ||||
Total deposits | 180,724 | 154,361 | ||||
Short-term borrowed funds | 3 | 74 | ||||
Derivative liabilities | 1,909 | 197 | ||||
Long-term borrowed funds | 15,887 | 6,932 | ||||
Other liabilities | 4,520 | 3,425 | ||||
TOTAL LIABILITIES | 203,043 | 164,989 | ||||
Commitments and Contingencies (refer to Note 19) | ||||||
Preferred Stock: | ||||||
$25.00 par value,100,000,000 shares authorized; 2,050,000 shares issued and outstanding at December 31, 2022 and 2021 | 2,014 | 2,014 | ||||
Common stock: | ||||||
$0.01 par value, 1,000,000,000 shares authorized; 645,220,018 shares issued and 492,282,158 shares outstanding at December 31, 2022 and 571,259,135 shares issued and 422,137,197 shares outstanding at December 31, 2021 | 6 | 6 | ||||
Additional paid-in capital | 22,142 | 19,005 | ||||
Retained earnings | 9,159 | 7,978 | ||||
Treasury stock, at cost, 152,937,860 and 149,121,938 shares at December 31, 2022 and 2021, respectively | (5,071) | (4,918) | ||||
Accumulated other comprehensive income (loss) | (4,560) | (665) | ||||
TOTAL STOCKHOLDERS’ EQUITY | 23,690 | 23,420 | ||||
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY | $ 226,733 | $ 188,409 | ||||
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