Last 7 days
0.3%
Last 30 days
0.3%
Last 90 days
5.6%
Trailing 12 Months
-24.5%
Datesorted ascending | Name | Buy/Sell | $ Value | Avg. Price | # Shares | Title |
---|---|---|---|---|---|---|
2023-08-16 | ZURAITIS MARITA | acquired | - | - | 414 | - |
2023-08-16 | Alexander Lee | acquired | - | - | 187 | - |
2023-08-16 | Lillis Terrance | acquired | - | - | 366 | - |
2023-08-16 | Cumming Christine M | acquired | - | - | 414 | - |
2023-08-16 | Swift Christopher | acquired | - | - | 187 | - |
2023-08-16 | Watson Wendy A. | acquired | - | - | 414 | - |
2023-08-16 | Subramaniam Shivan S. | acquired | - | - | 414 | - |
2023-08-16 | Leary Robert G | acquired | - | - | 286 | - |
2023-08-16 | KELLY EDWARD J III | acquired | - | - | 366 | - |
2023-08-16 | HANKOWSKY WILLIAM P | acquired | - | - | 414 | - |
Datesorted ascending | Fund Name | Type | % Chg | $ Change | $ Held | % Portfolio |
---|---|---|---|---|---|---|
2023-09-18 | WASHINGTON CAPITAL MANAGEMENT, INC | sold off | -100 | -439,606 | - | -% |
2023-09-12 | Farther Finance Advisors, LLC | added | 36.00 | 2,932 | 20,395 | -% |
2023-08-23 | Stonebridge Capital Advisors LLC | new | - | 2,999 | 2,999 | -% |
2023-08-22 | Asset Dedication, LLC | added | 24.85 | 2,000 | 27,000 | -% |
2023-08-22 | COMERICA BANK | new | - | 654,000 | 654,000 | 0.07% |
2023-08-22 | VIRGINIA RETIREMENT SYSTEMS ET AL | sold off | -100 | -2,523,750 | - | -% |
2023-08-21 | OSAIC HOLDINGS, INC. | reduced | -3.21 | -904,546 | 4,583,100 | 0.01% |
2023-08-21 | CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM | reduced | -2.63 | -4,112,750 | 20,986,600 | 0.03% |
2023-08-21 | TEACHERS RETIREMENT SYSTEM OF THE STATE OF KENTUCKY | reduced | -0.11 | -2,963,000 | 17,882,000 | 0.17% |
2023-08-17 | Coppell Advisory Solutions LLC | new | - | 493 | 493 | -% |
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 |
Date Filed | Form Type | Document | |
---|---|---|---|
Sep 11, 2023 | 8-K | Current Report | |
Aug 17, 2023 | 4 | Insider Trading | |
Aug 17, 2023 | 4 | Insider Trading | |
Aug 17, 2023 | 4 | Insider Trading | |
Aug 17, 2023 | 4 | Insider Trading | |
Aug 17, 2023 | 4 | Insider Trading | |
Aug 17, 2023 | 4 | Insider Trading | |
Aug 17, 2023 | 4 | Insider Trading | |
Aug 17, 2023 | 4 | Insider Trading | |
Aug 17, 2023 | 4 | Insider Trading |
Name | Mkt Capsorted ascending | Revenue | Price %, 1M | Returns, 1Y | P/E | P/S | Rev 1-Yr | Inc 1-Yr |
---|---|---|---|---|---|---|---|---|
LARGE-CAP | ||||||||
MTB | 20.9B | 8.7B | -1.38% | -32.35% | 8.85 | 2.41 | 100.15% | 54.41% |
CFG | 12.8B | 9.2B | 0.29% | -24.46% | 5.62 | 1.4 | 73.93% | 23.54% |
BNS | - | 52.8B | 4.54% | -8.53% | - | - | 75.37% | -22.59% |
MID-CAP | ||||||||
EWBC | 7.5B | 3.1B | -2.25% | -26.84% | 5.95 | 2.41 | 76.92% | 34.85% |
SIVB | 6.3B | 5.7B | -67.21% | -80.32% | 3.9 | 1.11 | 72.48% | -22.38% |
CBSH | 5.9B | 1.2B | -3.13% | -31.96% | 12.1 | 5.41 | 37.52% | 6.42% |
PB | 5.1B | 1.3B | -2.53% | -22.31% | 10.54 | 4.01 | 25.01% | -4.12% |
WAL | 5.0B | 3.6B | -3.95% | -35.06% | 5.41 | 1.38 | 80.76% | -6.95% |
BPOP | 4.5B | 2.9B | -4.67% | -20.03% | 4.5 | 1.54 | 33.47% | 12.81% |
FFIN | 3.8B | 484.4M | -11.16% | -40.88% | 16.62 | 8.4 | 23.51% | -4.02% |
SMALL-CAP | ||||||||
SBCF | 1.8B | 550.8M | -3.82% | -32.67% | 19.11 | 3.34 | 78.17% | -14.54% |
BANR | 1.4B | 520.2M | -3.15% | -31.64% | 7.29 | 2.78 | 22.03% | 3.58% |
LKFN | 1.2B | 301.6M | -16.70% | -42.42% | 12.38 | 3.83 | 51.36% | -4.43% |
HTLF | 1.2B | 833.0M | -4.94% | -34.83% | 5.79 | 1.82 | 41.81% | 9.45% |
5.0%
-4.3%
3.5%
77.7%
60.8%
27.3%
Y-axis is the maximum loss one would have experienced if Citizens Financial Group was unfortunately bought at previous high price.
Income Statement (Last 12 Months) | (In Millions) | |||||||||||||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Description | (%) Q/Q | 2023Q2 | 2023Q1 | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 | 2021Q3 | 2021Q2 | 2021Q1 | 2020Q4 | 2020Q3 | 2020Q2 | 2020Q1 | 2019Q4 | 2019Q3 | 2019Q2 | 2019Q1 | 2018Q4 | 2018Q3 | 2018Q2 |
Revenue | 11.0% | 9,154 | 8,249 | 7,060 | 6,010 | 5,263 | 4,848 | 4,851 | 4,898 | 4,956 | 5,095 | 5,357 | 5,609 | 5,867 | 6,097 | 6,189 | 6,230 | 6,169 | 6,000 | 5,758 | 5,507 | 5,294 |
EBITDA | -100.0% | - | 9,907 | 9,232 | 8,574 | 7,727 | 7,814 | 8,114 | 7,986 | 7,633 | 7,095 | 6,451 | 6,469 | 6,722 | 7,035 | 7,487 | - | - | - | - | - | - |
EBITDA Margin | -100.0% | - | 1.20* | 1.31* | 1.43* | 1.47* | 1.61* | 1.67* | 1.63* | 1.54* | 1.39* | 1.20* | 1.15* | 1.15* | 1.15* | 1.21* | - | - | - | - | - | - |
Interest Expenses | 1.3% | 6,591 | 6,508 | 6,012 | 5,443 | 4,923 | 4,542 | 4,512 | 4,515 | 4,507 | 4,543 | 4,586 | 4,600 | 4,608 | 4,614 | 4,614 | 4,643 | 4,646 | 4,601 | 4,532 | 4,440 | 4,354 |
Earnings Before Taxes | 4.8% | 2,917 | 2,783 | 2,655 | 2,511 | 2,379 | 2,732 | 2,977 | 2,864 | 2,558 | 2,034 | 1,298 | 1,268 | 1,457 | 1,730 | 2,251 | 2,267 | 2,279 | 2,248 | 2,183 | 2,129 | 2,066 |
EBT Margin | -100.0% | - | 0.34* | 0.38* | 0.42* | 0.41* | 0.56* | 0.61* | 0.58* | 0.52* | 0.40* | 0.24* | 0.23* | 0.25* | 0.28* | 0.36* | - | - | - | - | - | - |
Net Income | 5.3% | 2,278 | 2,164 | 2,073 | 1,950 | 1,844 | 2,128 | 2,319 | 2,245 | 2,029 | 1,634 | 1,057 | 1,051 | 1,186 | 1,386 | 1,791 | 1,806 | 1,800 | 1,772 | 1,721 | 1,922 | 1,827 |
Net Income Margin | -100.0% | - | 0.26* | 0.29* | 0.32* | 0.35* | 0.44* | 0.48* | 0.46* | 0.41* | 0.32* | 0.20* | 0.19* | 0.20* | 0.23* | 0.29* | - | - | - | - | - | - |
Free Cashflow | -100.0% | - | 3,723 | 4,119 | 3,783 | 2,063 | 4,519 | 2,275 | 2,036 | 1,414 | 622 | -15.00 | -154 | -419 | -228 | 1,571 | - | - | - | - | - | - |
Balance Sheet | (In Millions) | |||||||||||||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Description | (%) Q/Q | 2023Q2 | 2023Q1 | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 | 2021Q3 | 2021Q2 | 2021Q1 | 2020Q4 | 2020Q3 | 2020Q2 | 2020Q1 | 2019Q4 | 2019Q3 | 2019Q2 | 2019Q1 | 2018Q4 | 2018Q3 | 2018Q2 |
Assets | 0.4% | 223,066 | 222,256 | 226,733 | 224,684 | 226,712 | 192,097 | 188,409 | 187,007 | 185,104 | 187,217 | 183,349 | 179,228 | 179,874 | 176,719 | 165,733 | 164,362 | 162,749 | 161,342 | 160,518 | 158,598 | 155,431 |
Cash Equivalents | 45.1% | 11,567 | 7,974 | 10,547 | 8,160 | 6,514 | 9,936 | 9,158 | 13,716 | 12,641 | 14,660 | 12,733 | 9,216 | 7,446 | 4,058 | 3,386 | 3,842 | 3,035 | 2,436 | 4,074 | 3,991 | 3,865 |
Net PPE | 1.2% | 876 | 866 | 844 | 827 | 885 | 793 | 768 | 732 | 735 | 743 | 759 | 747 | 751 | 746 | 761 | 747 | 740 | 746 | 791 | 753 | 720 |
Goodwill | 0.1% | 8,188 | 8,177 | 8,173 | 8,160 | 8,081 | 873 | 7,116 | 7,065 | 7,050 | 7,050 | 7,050 | 7,050 | 7,050 | 7,050 | 7,044 | 7,044 | 7,040 | 7,040 | 6,923 | 6,946 | 6,887 |
Liabilities | 0.7% | 199,481 | 198,055 | 203,043 | 201,538 | 202,384 | 170,023 | 164,989 | 163,584 | 161,905 | 164,564 | 160,676 | 156,759 | 157,456 | 154,769 | 143,532 | 142,511 | 140,732 | 139,811 | 139,701 | 138,322 | 134,964 |
Short Term Borrowings | 9.9% | 1,099 | 1,000 | 3.00 | 263 | 3,800 | 25.00 | 74.00 | 8.00 | 62.00 | 70.00 | 243 | 252 | 255 | 1,059 | 274 | - | - | - | - | - | - |
Long Term Debt | -25.2% | 14,100 | 18,855 | 15,887 | 16,286 | 14,440 | 5,894 | 6,932 | 6,947 | 6,957 | 8,316 | 8,346 | 9,109 | 9,202 | 16,437 | 14,047 | 12,806 | 11,538 | 11,725 | 15,925 | 15,639 | 13,641 |
Shareholder's Equity | -2.5% | 23,585 | 24,201 | 23,690 | 23,146 | 24,328 | 22,074 | 23,420 | 23,423 | 23,199 | 22,653 | 22,673 | 22,469 | 22,418 | 21,950 | 22,201 | 21,851 | 22,017 | 21,531 | 20,817 | 20,276 | 20,467 |
Retained Earnings | 2.5% | 9,655 | 9,416 | 9,159 | 8,748 | 8,346 | 8,209 | 7,978 | 7,648 | 7,314 | 6,866 | 6,445 | 6,189 | 6,068 | 6,011 | 6,498 | 6,229 | 5,959 | 5,672 | 5,385 | 5,062 | 4,755 |
Additional Paid-In Capital | 0.1% | 22,207 | 22,183 | 22,142 | 22,121 | 22,100 | 19,021 | 19,005 | 18,981 | 18,964 | 18,945 | 18,940 | 18,922 | 18,908 | 18,901 | 18,891 | 18,876 | 18,860 | 18,847 | 18,815 | 18,816 | 18,806 |
Shares Outstanding | -1.9% | 475 | 484 | 492 | 496 | 491 | 422 | 422 | 426 | 426 | 426 | 427 | 427 | 427 | 428 | 433 | 446 | 458 | 461 | 466 | 476 | 485 |
Cashflow (Last 12 Months) | (In Millions) | |||||||||||||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Description | (%) Q/Q | 2023Q2 | 2023Q1 | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 | 2021Q3 | 2021Q2 | 2021Q1 | 2020Q4 | 2020Q3 | 2020Q2 | 2020Q1 | 2019Q4 | 2019Q3 | 2019Q2 | 2019Q1 | 2018Q4 | 2018Q3 | 2018Q2 |
Cashflow From Operations | 53.7% | 5,724 | 3,723 | 4,119 | 3,783 | 2,063 | 4,519 | 2,275 | 2,036 | 1,414 | 748 | 111 | -28.00 | -293 | -102 | 1,697 | 1,530 | 929 | 1,535 | 1,767 | 1,640 | 2,761 |
Share Based Compensation | 3.6% | 87.00 | 84.00 | 84.00 | 80.00 | 76.00 | 70.00 | 59.00 | 61.00 | 60.00 | 49.00 | 48.00 | 31.00 | 32.00 | 42.00 | 41.00 | 45.00 | 45.00 | 43.00 | 41.00 | 53.00 | 49.00 |
Cashflow From Investing | 174.2% | 5,366 | -7,231 | -12,637 | -19,978 | -22,145 | -13,328 | -10,486 | -3,624 | -240 | 1,560 | -6,136 | -7,588 | -10,186 | -11,172 | -3,875 | -3,800 | -4,992 | -7,430 | -7,077 | -5,123 | -5,472 |
Cashflow From Financing | -490.5% | -6,037 | 1,546 | 9,907 | 10,639 | 13,955 | 4,085 | 4,636 | 6,088 | 4,021 | 8,294 | 15,372 | 12,990 | 14,890 | 12,896 | 1,490 | 2,121 | 3,233 | 4,472 | 6,352 | 5,354 | 2,409 |
Dividend Payments | 1.2% | 829 | 819 | 779 | 737 | 695 | 668 | 670 | 670 | 671 | 671 | 672 | 662 | 656 | 636 | 617 | 612 | 594 | 596 | 471 | - | - |
Buy Backs | 46.1% | 814 | 557 | 153 | 202 | 202 | 200 | 295 | 95.00 | 95.00 | 95.00 | 270 | 670 | 1,170 | 1,290 | 1,220 | 1,120 | 1,020 | 1,050 | 1,025 | 1,060 | 885 |
CONSOLIDATED STATEMENTS OF OPERATIONS (UNAUDITED) - USD ($) $ in Millions | 3 Months Ended | 6 Months Ended | ||
---|---|---|---|---|
Jun. 30, 2023 | Jun. 30, 2022 | Jun. 30, 2023 | Jun. 30, 2022 | |
INTEREST INCOME: | ||||
Interest and fees on loans and leases | $ 2,132 | $ 1,370 | $ 4,179 | $ 2,418 |
Interest and fees on loans held for sale | 20 | 17 | 35 | 33 |
Interest and fees on other loans held for sale | 12 | 25 | 17 | 32 |
Investment securities | 267 | 201 | 533 | 339 |
Interest-bearing deposits in banks | 100 | 13 | 169 | 17 |
Total interest income | 2,531 | 1,626 | 4,933 | 2,839 |
INTEREST EXPENSE: | ||||
Deposits | 723 | 54 | 1,273 | 79 |
Short-term borrowed funds | 22 | 10 | 28 | 10 |
Long-term borrowed funds | 198 | 57 | 401 | 98 |
Total interest expense | 943 | 121 | 1,702 | 187 |
Net interest income | 1,588 | 1,505 | 3,231 | 2,652 |
Provision (benefit) for credit losses | 176 | 216 | 344 | 219 |
Net interest income after provision (benefit) for credit losses | 1,412 | 1,289 | 2,887 | 2,433 |
NONINTEREST INCOME: | ||||
Service charges and fees | 101 | 108 | 201 | 206 |
Capital markets fees | 82 | 88 | 165 | 181 |
Card fees | 80 | 71 | 152 | 131 |
Mortgage banking fees | 59 | 72 | 116 | 141 |
Trust and investment services fees | 65 | 66 | 128 | 127 |
Foreign exchange and derivative products | 44 | 60 | 92 | 111 |
Letter of credit and loan fees | 43 | 40 | 83 | 78 |
Securities gains, net | 9 | 1 | 14 | 5 |
Other income | 23 | (12) | 40 | 12 |
Total noninterest income | 506 | 494 | 991 | 992 |
NONINTEREST EXPENSE: | ||||
Salaries and employee benefits | 615 | 683 | 1,273 | 1,277 |
Outside services | 177 | 189 | 353 | 358 |
Equipment and software | 181 | 169 | 350 | 319 |
Occupancy | 136 | 111 | 260 | 194 |
Other operating expense | 197 | 153 | 366 | 263 |
Total noninterest expense | 1,306 | 1,305 | 2,602 | 2,411 |
Income before income tax expense | 612 | 478 | 1,276 | 1,014 |
Income tax expense | 134 | 114 | 287 | 230 |
NET INCOME | 478 | 364 | 989 | 784 |
Net income available to common stockholders | $ 444 | $ 332 | $ 932 | $ 728 |
Weighted-average common shares outstanding: | ||||
Basic (in Shares) | 479,470,543 | 491,497,026 | 482,440,926 | 457,140,258 |
Diluted (in Shares) | 480,975,281 | 493,296,114 | 484,252,103 | 459,167,747 |
Per common share information: | ||||
Basic earnings (in dollars per share) | $ 0.93 | $ 0.68 | $ 1.93 | $ 1.59 |
Diluted earnings (in dollars per Share) | $ 0.92 | $ 0.67 | $ 1.92 | $ 1.58 |
CONSOLIDATED BALANCE SHEETS (UNAUDITED) - USD ($) $ in Millions | Jun. 30, 2023 | Dec. 31, 2022 | ||||||
---|---|---|---|---|---|---|---|---|
ASSETS: | ||||||||
Cash and due from banks | [1] | $ 1,689 | $ 1,489 | |||||
Interest-bearing cash and due from banks | 9,878 | 9,058 | ||||||
Interest-bearing deposits in banks | 284 | 303 | ||||||
Debt securities available for sale, at fair value (including $1,393 and $270 pledged to creditors, respectively) | [2] | 24,755 | 24,007 | |||||
Debt securities held to maturity (fair value of $8,728 and $9,042 respectively, and including $179 and $110 pledged to creditors, respectively) | [2] | 9,520 | 9,834 | |||||
Loans held for sale, at fair value | 1,225 | 774 | ||||||
Other loans held for sale | 196 | 208 | ||||||
Loans and leases | [1] | 151,320 | 156,662 | |||||
Less: Allowance for loan and lease losses | (2,044) | (1,983) | ||||||
Net loans and leases | 149,276 | 154,679 | ||||||
Derivative assets | 719 | 842 | ||||||
Premises and equipment, net | 876 | 844 | ||||||
Bank-owned life insurance | 3,263 | 3,236 | ||||||
Goodwill | 8,188 | 8,173 | ||||||
Other intangible assets | [3] | 175 | 197 | |||||
Other assets | [1] | 13,022 | 13,089 | |||||
TOTAL ASSETS | 223,066 | 226,733 | ||||||
Deposits: | ||||||||
Noninterest-bearing | 40,286 | 49,283 | ||||||
Interest-bearing | 137,381 | 131,441 | ||||||
Total deposits | 177,667 | 180,724 | ||||||
Short-term borrowed funds | 1,099 | 3 | ||||||
Derivative liabilities | 2,270 | 1,909 | ||||||
Long-term borrowed funds | [1] | 14,100 | 15,887 | |||||
Other liabilities | [1] | 4,345 | 4,520 | |||||
TOTAL LIABILITIES | 199,481 | 203,043 | ||||||
Commitments and Contingencies (refer to Note 11) | ||||||||
Preferred stock: | ||||||||
$25.00 par value,100,000,000 shares authorized; 2,050,000 shares issued and outstanding at June 30, 2023 and December 31, 2022 | 2,014 | 2,014 | ||||||
Common stock: | ||||||||
$0.01 par value, 1,000,000,000 shares authorized; 647,357,402 shares issued and 474,682,759 shares outstanding at June 30, 2023 and 645,220,018 shares issued and 492,282,158 shares outstanding at December 31, 2022 | 6 | 6 | ||||||
Additional paid-in capital | 22,207 | 22,142 | ||||||
Retained earnings | 9,655 | 9,159 | ||||||
Treasury stock, at cost, 172,674,643 and 152,937,860 shares at June 30, 2023 and December 31, 2022, respectively | (5,734) | (5,071) | ||||||
Accumulated other comprehensive income (loss) | (4,563) | (4,560) | ||||||
TOTAL STOCKHOLDERS’ EQUITY | 23,585 | 23,690 | ||||||
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY | $ 223,066 | $ 226,733 | ||||||
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