Citizens Financial Group, Inc.(CFG) Stock Research - Grey Stern Research
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Citizens Financial Group, Inc. (CFG) Stock Analysis

$46.80 (-0.59%)

CFG Financial Performance


Use the table below to view Citizens Financial Group, Inc.'s financial profile. This data is gathers from the latest available financial statements. Annual data is taken from the trailing 12 months of statements. All numbers are reported in US Dollars and so any foreign currencies are converted to USD so comparison's can be done.

Based on Financial Statements from Q3 - 2024

Metric Value Ranking among Peers
Price $46.80 -
52 Week Low $28.19 -
52 Week High $49.25 -
Market Cap $20.6 Billion 7/12
Gross Margin 100% 1/12
Profit Margin 13% 11/12
EBITDA margin 15% 10/12
Q3 - 2024 Revenue $3.1 Billion 4/12
Q3 - 2024 Earnings $382.0 Million 7/12
Q3 - 2024 Free Cash Flow -$1.2 Million 6/12
Trailing 4 Quarters Revenue $11.4 Billion 5/12
Trailing 4 Quarters Earnings $1.3 Billion 7/12
Quarterly Earnings Growth -11% 9/12
Annual Earnings Growth -32% 10/12
Quarterly Revenue Growth 52% 4/12
Annual Revenue Growth 37% 6/12
Cash On Hand $979.0 Million 7/12
Short Term Debt $15.0 Million 10/12
Long Term Debt $13.9 Billion 6/12

Citizens Financial Group, Inc. Financial Metrics


Financial metrics are a set of useful numbers that can give key performance indicators of a company. The various metrics can include information about profitability, growth, and debt load. When combined and use properly they can tell an analyst a compelling fact-based story of how the company is currently performing. To compare Citizens Financial Group, Inc.'s metrics versus it's peers make sure to run our peer analysis tool.

Valuation Metrics

Metric Value Ranking among Peers
PE 16.28 4/12
PS 1.81 12/12
PB 0.83 11/12
PC 21.07 1/12
Liabilities to Equity 7.81 9/12
ROA 0.01 1/12
ROE 0.05 11/12
Current Ratio 1.13 4/12
Quick Ratio 0.17 6/12
Long Term Debt to Equity 0.56 8/12
Debt to Equity 0.56 8/12
Burn Rate 5.45 6/12
Cash to Cap 0.05 8/12
CCR -3.05 6/12
EV to EBITDA 73.86 1/12
EV to Revenue 2.96 8/12

Company Details

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 1,200 branches in 14 states and the District of Columbia; 114 retail and commercial non-branch offices in national markets; and approximately 3,300 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.

CEO: Mr. Bruce Van Saun

Website: https://www.citizensbank.com

Address: 1 Citizens Plz Fl 3 Providence, RHODE ISLAND

Exchange: New York Stock Exchange

Industry: Banks—Regional

Citizens Financial Group, Inc. Peer Analysis


A useful and more reliable way of seeing the health of a company is to compare it to other companies operating in the same sector. Below is our list of companies which we rank are the closest peers to Citizens Financial Group, Inc.. If you feel that peers should be added or removed from this list please contact us. To run an in-depth peer analysis which compares many financial metrics click on the link below.

Stock Ticker Market Cap
KeyCorp KEY $18.6 Billion
Regions Financial Corporation RF $23.9 Billion
Fifth Third Bancorp FITB $31.5 Billion
U.S. Bancorp USB $81.3 Billion
Huntington Bancshares Incorporated HBAN $25.6 Billion
Zions Bancorporation, National Association ZION $8.8 Billion
The PNC Financial Services Group, Inc. PNC $82.9 Billion
First Horizon Corporation FHN $10.9 Billion
Comerica Incorporated CMA $9.3 Billion
Western Alliance Bancorporation WAL $10.2 Billion
M&T Bank Corporation MTB $35.6 Billion
Run Peer Analysis
Income Statement
Balance Sheet
Cash Flow Statement
CFG Income Statements
Quarter Year Revenue Earnings
Q3 2024 $ 3.1 Billion $382.0 Million
Q2 2024 $ 3.2 Billion $392.0 Million
Q1 2024 $ 3.2 Billion $334.0 Million
Q4 2023 $ 2.0 Billion $159.0 Million
Q3 2023 $ 2.0 Billion $430.0 Million
Q2 2023 $ 2.1 Billion $478.0 Million
Q1 2023 $ 2.1 Billion $511.0 Million
Q4 2022 $ 2.2 Billion $653.0 Million

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CFG Balance Sheets
Quarter Year Cash & Equivalents Total Assets Total Debt Total Equity
Q3 2024 $979.0 Million $219.7 Billion $14.0 Billion $24.9 Billion
Q2 2024 $11.8 Billion $219.9 Billion $13.1 Billion $23.9 Billion
Q1 2024 $12.0 Billion $220.4 Billion $13.8 Billion $23.8 Billion
Q4 2023 $12.0 Billion $222.0 Billion $14.0 Billion $24.3 Billion
Q3 2023 $15.7 Billion $225.3 Billion $17.6 Billion $22.9 Billion
Q2 2023 $11.9 Billion $223.1 Billion $15.2 Billion $23.6 Billion
Q1 2023 $8.3 Billion $222.3 Billion $19.9 Billion $24.2 Billion
Q4 2022 $10.9 Billion $226.7 Billion $15.9 Billion $23.7 Billion

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CFG Cash Flow Statements
Quarter Year freeCashFlow capitalExpenditure netChangeInCash
Q3 2024 -$1.2 Billion $58.0 Million -$684.0 Million
Q2 2024 $804.0 Million -$30.0 Million $172.0 Million
Q1 2024 $373.0 Million -$10.0 Million -$29.0 Million
Q4 2023 $622.0 Million -$48.0 Million -$3.8 Billion
Q3 2023 $0 $0 $0
Q2 2023 $86.0 Million -$39.0 Million $3.6 Billion
Q1 2023 $1.1 Billion -$52.0 Million -$2.6 Billion
Q4 2022 $1.5 Billion $15.0 Million $2.4 Billion

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