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CFG

41.70USD-0.28(-0.67%)Market Closed

Citizens Financial Group Inc

Market Summary

USD41.70-0.28Market Closed
-0.67%

CFG Alerts

CFG Stock Price

RSI Chart

Valuation

Market Cap

20.3B

Price/Earnings

11.01

Price/Sales

3.86

Price/Cashflow

9.85

MarketCap/EBT

8.54

Price/Sales

Profitability

EBT Margin

45.20%

Return on Equity

7.58%

Return on Assets

0.81%

Fundamentals

Revenue

Revenue (TTM)

6.0B

Revenue Y/Y

61.13%

Revenue Q/Q

21.09%

Earnings

Earnings (TTM)

1.9B

Earnings Y/Y

20%

Earnings Q/Q

74.73%

Price Action

52 Week Range

32.3254.82
(Low)(High)

Last 7 days

-0.5%

Last 30 days

5.4%

Last 90 days

16.5%

Trailing 12 Months

-9.8%

Financial Health

Debt/Equity

0.59

Debt/Cashflow

0.14

Investor Care

Dividend Yield

3.81%

Dividend/Share (TTM)

1.59

Shares Dilution (1Y)

15.55%

Diluted EPS (TTM)

4

Peers (Alternatives to Citizens Financial Group)

View All Peers In Detail
NameMkt Capsorted ascendingRevenuePrice %, 1MReturns, 1YP/EP/SRev 1-YrInc 1-Yr
LARGE-CAP
56.4B
31.4B
7.11% -18.41%
5.3
1.79
0.52% 14.47%
29.5B
5.1B
3.29% 13.73%
19.26
6.8
27.72% -10.02%
20.3B
6.0B
5.41% -9.81%
11.01
3.86
22.70% -13.14%
13.8B
4.9B
5.57% -68.42%
7.82
3.25
67.44% -15.87%
10.1B
2.0B
1.21% -10.34%
10.75
5.7
25.70% 23.17%
MID-CAP
8.5B
923.1M
0.61% 5.98%
17.99
9.67
8.27% -13.57%
7.3B
2.3B
2.04% -40.08%
7.39
3.65
51.75% 19.31%
6.5B
1.0B
5.53% 5.81%
12.92
6.41
-2.99% -3.05%
5.4B
407.7M
0.51% -26.34%
23.52
13.84
9.35% 0.19%
5.3B
2.3B
4.30% -10.86%
6.04
2.44
9.00% 16.18%
2.5B
426.3M
-2.22% 23.34%
13.16
5.92
-6.64% 8.49%
2.1B
212.5M
-3.07% 7.73%
20.53
9.87
9.13% 6.33%
2.1B
614.0M
-0.21% 1.31%
10.42
3.55
4.86% -4.30%
SMALL-CAP
1.9B
327.3M
15.12% -0.09%
16.9
6.16
15.67% 1.27%

Financials for Citizens Financial Group

Income Statement (Last 12 Months)
(In Millions)
Description(%) Q/Q2022Q32022Q22022Q12021Q42021Q3
Revenue14.2%6,0105,2634,8484,8514,898
Earnings Before Taxes5.5%2,5112,3792,7322,9772,864
Net Income5.7%1,9501,8442,1282,3192,245
Balance Sheet
(In Millions)
Description(%) Q/Q2022Q32022Q22022Q12021Q42021Q3
Assets-0.9%224,684226,712192,097188,409187,007
    Cash Equivalents25.3%8,1606,5149,9369,15813,716
  Net PPE-6.6%827885793768732
  Goodwill1.0%8,1608,0817,2327,1167,065
Liabilities-0.4%201,538202,384170,023164,989163,584
.    Short Term Borrowings-93.0%2633,76325748
  Long Term Debt12.8%16,28614,4405,8946,9326,947
Shareholder's Equity-4.9%23,14624,32822,07423,42023,423
  Retained Earnings4.8%8,7488,3468,2097,9787,648
  Additional Paid-In Capital0.1%22,12122,10019,02119,00518,981
Accumulated Depreciation-804----
Shares Outstanding0.0%496496423422426
* denotes actual numbers (not divided by Millions)
Cashflow (Last 12 Months)
(In Millions)
Description(%) Q/Q2022Q32022Q22022Q12021Q42021Q3
Cashflow From Operations83.4%3,7832,0634,5192,2752,036
  Share Based Compensation5.3%8076705961
Cashflow From Investing9.8%-19,978.00-22,145.00-13,328.00-10,486.00-3,624.00
Cashflow From Financing-23.8%10,63913,9554,0854,6366,088
  Dividend Payments6.0%737695668670670
  Buy Backs0%20220220029595

Risks

What is the probability of a big loss on CFG?

61.9%


Probability that Citizens Financial Group stock will be more than 20% underwater in next one year

45.8%


Probability that Citizens Financial Group stock will be more than 30% underwater in next one year.

19.2%


Probability that Citizens Financial Group stock will be more than 40% underwater in next one year.
*Calculated based on probability distribution of losses observed in actual data in the last 5 years.

How does CFG drawdown profile look like?

Y-axis is the maximum loss one would have experienced if Citizens Financial Group was unfortunately bought at previous high price.

Returns

Cumulative Returns on CFG

9.9%


7-Year Cumulative Returns

4.5%


5-Year Cumulative Returns

8.0%


3-Year Cumulative Returns

What are the long-term rolling returns for CFG?

FIve years rolling returns for Citizens Financial Group.

Which funds bought or sold CFG recently?

View All Details
Datesorted ascendingFund NameType% Chg$ Change$ Held% Portfolio
2022-11-23
Eagle Bay Advisors LLC
UNCHANGED
-
-428
1,000
-%
2022-11-22
CVA Family Office, LLC
REDUCED
-29.14
-9,000
18,000
-%
2022-11-22
B. Riley Wealth Advisors, Inc.
NEW
-
212,000
212,000
0.01%
2022-11-22
Seaport Global Advisors, LLC
ADDED
19.31
26,000
203,000
0.83%
2022-11-22
TEACHERS RETIREMENT SYSTEM OF THE STATE OF KENTUCKY
NEW
-
23,636,000
23,636,000
0.28%
2022-11-21
CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM
REDUCED
-1.01
-1,402,000
28,465,000
0.05%
2022-11-21
FourThought Financial, LLC
UNCHANGED
-
-
2,000
-%
2022-11-18
RIVER & MERCANTILE ASSET MANAGEMENT LLP
REDUCED
-2.17
-345,000
5,534,000
1.06%
2022-11-18
National Pension Service
ADDED
15.35
2,401,000
27,920,000
0.06%
2022-11-17
M&T Bank Corp
REDUCED
-6.39
2,035,000
2,950,000
0.01%

1–10 of 44

Latest Funds Activity

Are funds buying CFG calls or puts?
Are funds bullish or bearish(Calls - Puts)?
No. of funds that own CFG

Citizens Financial Group News

MarketBeat

Citizens Financial Group, Inc. (NYSE:CFG) Short Interest Update.2 days ago

CFG Fair Value

Recent SEC filings of Citizens Financial Group

View All Filings
Date Filed Form Type Document
Nov 28, 2022
4
Insider Trading
Nov 21, 2022
4
Insider Trading
Nov 21, 2022
4
Insider Trading
Nov 17, 2022
4
Insider Trading
Nov 17, 2022
4
Insider Trading
Nov 17, 2022
4
Insider Trading
Nov 17, 2022
4
Insider Trading
Nov 17, 2022
4
Insider Trading
Nov 17, 2022
4
Insider Trading
Nov 17, 2022
4
Insider Trading

Latest Insider Trading transactions for CFG

Filter Transactions
Datesorted ascendingNameBuy/Sell$ ValueAvg. Price# SharesTitle
2022-11-23
Coughlin Brendan
GIFTED
-
-
-121
Head of Consumer Banking
2022-11-17
GRIGGS MALCOLM D
GIFTED
-
-
-1,900
Chief Risk Officer
2022-11-16
Leary Robert G
ACQUIRED
-
-
145.332
-
2022-11-16
Cumming Christine M
ACQUIRED
-
-
232.895
-
2022-11-16
SIEKERKA MICHELE N
ACQUIRED
-
-
38.122
-
2022-11-16
Alexander Lee
ACQUIRED
-
-
78.276
-
2022-11-16
ZURAITIS MARITA
ACQUIRED
-
-
232.895
-
2022-11-16
Watson Wendy A.
ACQUIRED
-
-
232.895
-
2022-11-16
Lillis Terrance
ACQUIRED
-
-
200.157
-
2022-11-16
HANKOWSKY WILLIAM P
ACQUIRED
-
-
232.895
-

1–10 of 50

Bruce Winfield van Saun
17500
Citizens Financial Group, Inc. operates as the bank holding company for Citizens Bank, National Association that provides retail and commercial banking products and services to individuals, small businesses, middle-market companies, corporations, and institutions in the United States. The company operates in two segments, Consumer Banking and Commercial Banking. The Consumer Banking segment offers deposit products, mortgage and home equity lending products, credit cards, business loans, wealth management, and investment services; and auto, education, and point-of-sale finance loans, as well as digital deposit products. This segment serves its customers through telephone service centers, as well as through its online and mobile platforms. The Commercial Banking segment provides various financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange, and interest rate and commodity risk management solutions, as well as syndicated loans, corporate finance, mergers and acquisitions, and debt and equity capital markets services. This segment serves government banking, not-for-profit, healthcare, technology, professionals, oil and gas, asset finance, franchise finance, asset-based lending, commercial real estate, private equity, and sponsor finance industries. It operates approximately 900 branches in 11 states in the New England, as well as Mid-Atlantic and Midwest regions; 114 retail and commercial non-branch offices in national markets; and approximately 3,000 automated teller machines. The company was formerly known as RBS Citizens Financial Group, Inc. and changed its name to Citizens Financial Group, Inc. in April 2014. Citizens Financial Group, Inc. was founded in 1828 and is headquartered in Providence, Rhode Island.

CFG Income Statement

2022-09-30
CONSOLIDATED STATEMENTS OF OPERATIONS (UNAUDITED) - USD ($)
$ in Millions
3 Months Ended9 Months Ended
Sep. 30, 2022
Sep. 30, 2021
Sep. 30, 2022
Sep. 30, 2021
INTEREST INCOME:    
Interest and fees on loans and leases$ 1,657$ 1,078$ 4,075$ 3,197
Interest and fees on loans held for sale18215163
Interest and fees on other loans held for sale151479
Investment securities243116582368
Interest-bearing deposits in banks3665312
Total interest income1,9691,2224,8083,649
INTEREST EXPENSE:    
Deposits17635255127
Short-term borrowed funds110210
Long-term borrowed funds11742215136
Total interest expense30477491263
Net interest income1,6651,1454,3173,386
Provision (benefit) for credit losses123(33)342(386)
Net interest income after provision (benefit) for credit losses1,5421,1783,9753,772
NONINTEREST INCOME:    
Capital markets fees8972270244
Service charges and fees109110315309
Mortgage banking fees66108207358
Card fees7166202185
Trust and investment services fees6161188179
Letter of credit and loan fees4039118115
Foreign exchange and derivative products422915385
Securities gains, net0359
Other income34264657
Total noninterest income5125141,5041,541
NONINTEREST EXPENSE:    
Salaries and employee benefits6395091,9161,581
Equipment and software159157478464
Outside services172144530420
Occupancy10677300247
Other operating expense165124428308
Total noninterest expense1,2411,0113,6523,020
Income before income tax expense8136811,8272,293
Income tax expense177151407504
NET INCOME6365301,4201,789
Net income available to common stockholders$ 611$ 504$ 1,339$ 1,708
Weighted-average common shares outstanding:    
Basic (in Shares)495,651,083426,086,717470,118,265425,996,867
Diluted (in Shares)497,477,501427,840,964471,958,310427,679,885
Per common share information:    
Basic earnings (in dollars per share)$ 1.23$ 1.18$ 2.85$ 4.01
Diluted earnings (in dollars per Share)$ 1.23$ 1.18$ 2.84$ 3.99

CFG Balance Sheet

2022-09-30
CONSOLIDATED BALANCE SHEETS (UNAUDITED) - USD ($)
$ in Millions
Sep. 30, 2022
Dec. 31, 2021
ASSETS:  
Cash and due from banks$ 1,235$ 1,155
Interest-bearing cash and due from banks6,9258,003
Interest-bearing deposits in banks261316
Debt securities available for sale, at fair value (including $165 and $640 pledged to creditors, respectively)[1]23,47826,067
Debt securities held to maturity (fair value of $9,373 and $2,289 respectively, and including $195 and $77 pledged to creditors, respectively)[1]10,0712,242
Loans held for sale, at fair value1,0482,733
Other loans held for sale914735
Loans and leases156,140128,163
Less: Allowance for loan and lease losses(1,980)(1,758)
Net loans and leases154,160126,405
Derivative assets1,3521,216
Premises and equipment, net827768
Bank-owned life insurance3,2222,843
Goodwill8,1607,116
Other assets13,0318,810
TOTAL ASSETS224,684188,409
Deposits:  
Noninterest-bearing51,88849,443
Interest-bearing126,678104,918
Total deposits178,566154,361
Short-term borrowed funds26374
Derivative liabilities2,227197
Long-term borrowed funds16,2866,932
Other liabilities4,1963,425
TOTAL LIABILITIES201,538164,989
Commitments and Contingencies (refer to Note 13)
Preferred stock:  
$25.00 par value,100,000,000 shares authorized; 2,050,000 shares issued and outstanding at September 30, 2022 and December 31, 20212,0142,014
Common stock:  
$0.01 par value, 1,000,000,000 shares authorized; 645,043,274 shares issued and 495,843,793 shares outstanding at September 30, 2022 and 571,259,135 shares issued and 422,137,197 shares outstanding at December 31, 202166
Additional paid-in capital22,12119,005
Retained earnings8,7487,978
Treasury stock, at cost, 149,199,481 and 149,121,938 shares at September 30, 2022 and December 31, 2021, respectively(4,920)(4,918)
Accumulated other comprehensive income (loss)(4,823)(665)
TOTAL STOCKHOLDERS’ EQUITY23,14623,420
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY$ 224,684$ 188,409
[1]Includes only collateral pledged by the Company where counterparties have the right to sell or pledge the collateral.