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Home CompaniesCitizens Financial Group, Inc.

Citizens Financial Group, Inc.

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
65.02 USD -0.36 ( 0.55%)
Last update at 2026-11-12T15:45:00Z
VOLUME
344257
Market Cap
27819.34M
P/E
15.47

Momentum Score

…

Citizens Financial Group, Inc. operates as the bank holding company that provides retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations, and institutions in the United States. The company operates through two segments, Consumer Banking and Commercial Banking. The Consumer Banking segment offers deposit products, mortgage and home equity lending products, credit cards, business loans, and wealth management services; and 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. The company serves customers and small businesses, high- and ultra-high-net-worth individuals and families, as well as investors, entrepreneurs, and companies and institutions, as well as multifamily, office, industrial, retail, healthcare, and hospitality sectors. 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.

Source: TradingView
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Day Price Range
64.63
Low
65.75
High
52 Week Price Range
35.01
Low
68.79
High

Momentum Score

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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Citizens Financial Group is a U.S. regional bank offering retail and commercial banking, mortgage lending, payments, wealth management and corporate banking across its Northeast, Mid‑Atlantic and Midwest footprint. Its long‑term growth drivers include a large deposit franchise, branch and digital distribution, commercial lending and fee income expansion, and margin sensitivity to the interest rate environment may benefit earnings. Investors may find the company attractive for its diversified revenue mix and scale within the regional banking sector.

Key risks include credit losses if economic conditions deteriorate, volatility in net interest margins from interest‑rate shifts, deposit competition and heightened regulatory scrutiny that could constrain capital and earnings.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
65.38
Dividend Yield
2.68%
Revenue TTM
7885.00M
Revenue Per Share
18.34
Gross Profit TTM
7885.00M
Debt / Equity
0.43
ROE
7.74%
Net Debt
-1445.00M
ROCE
5.42%
Diluted EPS TTM
4.22

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 2328.00M 1888.00M 2030.00M 2655.00M 2977.00M
Net income 1831.00M 1509.00M 1608.00M 2073.00M 2319.00M
Selling general administrative 2927.00M 2819.00M 2764.00M 2549.00M 2132.00M
Selling and marketing expenses 169.00M 170.00M 187.00M 166.00M 111.00M
Gross profit 7776.00M 7107.00M 7537.00M 8015.51M 6647.00M
Reconciled depreciation 478.00M 498.00M 478.00M 565.00M 625.00M
Ebit 2328.00M 1888.00M 2030.00M 3703.00M 2977.00M
Ebitda 2694.00M 2386.00M 2508.00M 4268.00M 3602.00M
Depreciation and amortization 366.00M 498.00M 478.00M 565.00M 625.00M
Operating income 2328.00M 1888.00M 2030.00M 3703.00M 2977.00M
Other operating expenses 8820.00M 10459.00M 10157.00M 585.00M 3670.00M
Interest expense 3810.00M 4553.00M 3963.00M 1048.00M 339.00M
Tax provision 497.00M 379.00M 422.00M 582.00M 658.00M
Interest income 9663.00M 10186.00M 10204.00M 7060.00M 4851.00M
Net interest income 5853.00M 5633.00M 6241.00M 6012.00M 4512.00M
Income tax expense 497.00M 379.00M 422.00M 582.00M 658.00M
Total revenue 11148.00M 12347.00M 12187.00M 8021.00M 6647.00M
Total operating expenses 5448.00M 5219.00M 5507.00M 585.00M -3670.00M
Cost of revenue 3372.00M 5240.00M 4650.00M 5.49M -
Total other income expense net - 58.00M 2030.00M -1048.00M -339.00M
Net income from continuing ops 1831.00M 1509.00M 1608.00M 2073.00M 2319.00M
Net income applicable to common shares 1688.00M 1372.00M 1491.00M 1960.00M 2206.00M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 226351.00M 217521.00M 221964.00M 226733.00M 188409.00M
Intangible assets 115.00M 146.00M 157.00M 197.00M 864.00M
Earning assets - - - - 36152.00M
Other current assets - 11236.00M 13033.00M -36020.00M 116436.00M
Total liab 200034.00M 193267.00M 197622.00M 203043.00M 164989.00M
Total stockholder equity 26317.00M 24254.00M 24342.00M 23690.00M 23420.00M
Other current liab 183313.00M 174776.00M -505.00M -3.00M -74.00M
Common stock 7.00M 7.00M 6.00M 6.00M 6.00M
Capital stock 2118.00M 2120.00M 2020.00M 2020.00M 2020.00M
Retained earnings 11345.00M 10412.00M 9816.00M 9159.00M 7978.00M
Other liab - - - 3454.00M 3425.00M
Good will 8187.00M 8187.00M 8188.00M 8173.00M 7116.00M
Other assets - 155948.00M 181153.00M 217146.00M 115089.00M
Cash 12727.00M 11236.00M 12033.00M 10850.00M 9474.00M
Total current liabilities 183371.00M 176764.00M 505.00M 3.00M 74.00M
Net debt -1445.00M 1165.00M 1939.00M 5040.00M -2468.00M
Short term debt 58.00M 1988.00M 505.00M 3.00M 74.00M
Short long term debt 2048.00M 1988.00M 505.00M 3.00M 74.00M
Short long term debt total 11282.00M 12401.00M 13972.00M 15890.00M 7006.00M
Other stockholder equity 14824.00M 15317.00M 16264.00M 17071.00M 14087.00M
Property plant equipment 915.00M 1744.00M - 844.00M 768.00M
Total current assets 191332.00M 44876.00M 31571.00M 316.00M 37127.00M
Long term investments 43455.00M 41129.00M 38647.00M 33841.00M 28309.00M
Net tangible assets - - - 13306.00M 14290.00M
Short term investments 36658.00M 32613.00M 29777.00M 24007.00M 26067.00M
Net receivables 141947.00M 1027.00M 1122.00M 1479.00M 1586.00M
Long term debt 9210.00M 10413.00M 13467.00M 7368.00M 6932.00M
Inventory - - -14155.00M - 10.00M
Accounts payable - - - 180724.00M 154361.00M
Accumulated other comprehensive income -1970.00M -3595.00M -3758.00M -4560.00M -665.00M
Common stock total equity - - - 6.00M 6.00M
Preferred stock total equity - - - 2014.00M 2014.00M
Retained earnings total equity - - - 9159.00M 7978.00M
Treasury stock - - - - -4918.00M
Non currrent assets other 17869.00M 17540.00M -110.00M -33841.00M -36193.00M
Non current assets total 35019.00M 172645.00M 9240.00M 9271.00M 36193.00M
Long term debt total 9210.00M 11002.00M - 7368.00M 6913.00M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -898.00M 2987.00M 5248.00M -11385.00M -8831.00M
Change to liabilities - - - 1036.00M 757.00M
Total cashflows from investing activities -5967.00M 2987.00M 5248.00M -12637.00M -10486.00M
Net borrowings -1152.00M -1606.00M -1933.00M 4831.00M -1506.00M
Total cash from financing activities 5882.00M -6015.00M -7128.00M 9907.00M 4636.00M
Change to operating activities - - - -858.00M -962.00M
Net income 1831.00M 1509.00M 1608.00M 2073.00M 2319.00M
Change in cash 2126.00M -1027.00M 1081.00M 1389.00M -3575.00M
Begin period cash flow 10601.00M 11628.00M 10547.00M 9158.00M 12733.00M
End period cash flow 12727.00M 10601.00M 11628.00M 10547.00M 9158.00M
Total cash from operating activities 2211.00M 2001.00M 2961.00M 4119.00M 2275.00M
Issuance of capital stock 393.00M 392.00M 0.00M 0.00M 296.00M
Depreciation 478.00M 498.00M 478.00M 565.00M 625.00M
Other cashflows from investing activities -4319.00M 5279.00M 9804.00M -1126.00M -1531.00M
Dividends paid 888.00M 903.00M 928.00M 892.00M 783.00M
Sale purchase of stock -1000.00M -1350.00M -906.00M -153.00M -545.00M
Other cashflows from financing activities 8529.00M -2548.00M -3361.00M 30738.00M -23.00M
Change to netincome - - - 1865.00M 293.00M
Capital expenditures 174.00M 122.00M 172.00M 126.00M 124.00M
Cash flows other operating - - - -1420.00M -1719.00M
Cash and cash equivalents changes - - - 1389.00M -3575.00M
Change in working capital -306.00M -571.00M 273.00M -858.00M -962.00M
Stock based compensation 120.00M 97.00M 87.00M 84.00M 59.00M
Other non cash items 170.00M 645.00M 757.00M 2198.00M 663.00M
Free cash flow 2037.00M 1879.00M 2789.00M 3993.00M 2151.00M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
CFG
Citizens Financial Group, Inc.		 -0.36
0.55%		 65.02 15.47 12.82 3.53 1.16 5.00
DBSDY
DBS Group Holdings Ltd ADR		 -0.76
0.34%		 219.92 20.00 17.57 7.54 3.17 13.19
CIHHF
China Merchants Bank Co Ltd Class H		 -
-%		 6.62 7.70 7.10 0.55 0.83 3.51
CIHKY
China Merchants Bank Co Ltd		 0.28
0.82%		 34.49 7.79 7.20 0.55 0.85 3.51
UNCFF
UniCredit SpA		 -0.46
0.49%		 92.86 11.53 10.27 5.72 1.83 8.22

Profile*

Citizens Financial Group, Inc.

Citizens Financial Group, Inc. operates as the bank holding company that provides retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations, and institutions in the United States. The company operates through two segments, Consumer Banking and Commercial Banking. The Consumer Banking segment offers deposit products, mortgage and home equity lending products, credit cards, business loans, and wealth management services; and 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. The company serves customers and small businesses, high- and ultra-high-net-worth individuals and families, as well as investors, entrepreneurs, and companies and institutions, as well as multifamily, office, industrial, retail, healthcare, and hospitality sectors. 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.

One Citizens Plaza, Providence, RI, United States, 02903

203 900 6715

https://www.citizensbank.com

17380

Name Title Year Born
Mr. Bruce Winfield Van Saun CEO & Chairman 1957
Mr. John F. Woods Vice Chairman & CFO 1964
Mr. Donald H. McCree III Vice Chairman & Head of Commercial Banking Division 1962
Mr. Malcolm D. Griggs Chief Risk Officer 1961
Mr. Brendan Coughlin Exec. VP & Head of Consumer Banking 1980
Mr. Craig Jack Read Exec. VP, Chief Accounting Officer & Controller 1969
Mr. Theodore C. Swimmer Head of Corp. Fin. & Capital Markets NA
Mr. Michael Ruttledge Exec. VP, Chief Information Officer & Head of Technology Services 1969
Ms. Kristin Silberberg Head of Investor Relations NA
Ms. Polly N. Klane Gen. Counsel & Chief Legal Officer NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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