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Last update at 2026-03-10T20:00:00Z
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3 Stocks Estimated To Be Up To 49.4% Below Intrinsic Value
Mon 05 May 25, 05:37 PMWhy Citizens Financial Services (CZFS) is a Great Dividend Stock Right Now
Mon 05 May 25, 03:45 PMCitizens Financial Group First Quarter 2025 Earnings: EPS Beats Expectations
Sat 03 May 25, 12:35 PMLeadership Shake-Up and Expansion at Citizens Financial Group (NYSE:CFG) With New President
Wed 30 Apr 25, 06:04 PMCitizens names Coughlin president; CFO to join State Street
Wed 30 Apr 25, 05:07 PMCitizens Financial CFO Woods to step down in August, join State Street
Wed 30 Apr 25, 05:07 PMCitizens Financial Services (CZFS) Beats Q1 Earnings Estimates
Wed 30 Apr 25, 01:50 PMCitizens Financial Group Elevates Brendan Coughlin to President
Wed 30 Apr 25, 11:45 AMCitizens Business Conditions Index™ Holds Steady in Q1
Tue 29 Apr 25, 01:01 PMCitizens Financial Group, Inc. (CFG): Among Small Cap Financial Stocks Hedge Funds Are Buying
Tue 22 Apr 25, 02:32 PM| Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Income before tax | 2655.00M | 2977.00M | 1298.00M | 2251.00M | 2183.00M |
| Minority interest | - | - | - | - | - |
| Net income | 2073.00M | 2319.00M | 1057.00M | 1791.00M | 1721.00M |
| Selling general administrative | 2549.00M | 2132.00M | 2123.00M | 2026.00M | 1880.00M |
| Selling and marketing expenses | 166.00M | 111.00M | 100.00M | 112.00M | 129.00M |
| Gross profit | 8015.51M | 6647.00M | 6905.00M | 6491.00M | 6128.00M |
| Reconciled depreciation | 565.00M | 625.00M | 578.00M | 633.00M | 489.00M |
| Ebit | 3703.00M | 2977.00M | 1298.00M | 2251.00M | 3409.00M |
| Ebitda | 4268.00M | 3602.00M | 1876.00M | 2884.00M | 3598.00M |
| Depreciation and amortization | 565.00M | 625.00M | 578.00M | 633.00M | 189.00M |
| Non operating income net other | - | - | - | - | - |
| Operating income | 3703.00M | 2977.00M | 1298.00M | 2251.00M | 3409.00M |
| Other operating expenses | 585.00M | 3670.00M | 5607.00M | 1724.00M | 1665.00M |
| Interest expense | 1048.00M | 339.00M | 771.00M | 1575.00M | 1226.00M |
| Tax provision | 582.00M | 658.00M | 241.00M | 460.00M | 462.00M |
| Interest income | 7060.00M | 4851.00M | 5357.00M | 6189.00M | 5758.00M |
| Net interest income | 6012.00M | 4512.00M | 4586.00M | 4614.00M | 4532.00M |
| Extraordinary items | - | - | - | - | 29.00M |
| Non recurring | - | - | - | - | - |
| Other items | - | - | - | - | - |
| Income tax expense | 582.00M | 658.00M | 241.00M | 460.00M | 462.00M |
| Total revenue | 8021.00M | 6647.00M | 6905.00M | 6491.00M | 6128.00M |
| Total operating expenses | 585.00M | -3670.00000M | -5607.00000M | 1724.00M | 1665.00M |
| Cost of revenue | 5.49M | - | - | - | 1552.00M |
| Total other income expense net | -1048.00000M | -339.00000M | -771.00000M | -1575.00000M | -1226.00000M |
| Discontinued operations | - | - | - | - | - |
| Net income from continuing ops | 2073.00M | 2319.00M | 1057.00M | 1791.00M | 1721.00M |
| Net income applicable to common shares | 1960.00M | 2206.00M | 950.00M | 1718.00M | 1692.00M |
| Preferred stock and other adjustments | - | - | - | - | - |
| Breakdown | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total assets | 221964.00M | 226733.00M | 188409.00M | 183349.00M | 165733.00M |
| Intangible assets | 157.00M | 197.00M | 864.00M | 958.00M | 900.00M |
| Earning assets | - | - | 36152.00M | 34157.00M | 30828.00M |
| Other current assets | 13033.00M | -36020.00000M | 116436.00M | 112653.00M | 108211.00M |
| Total liab | 197622.00M | 203043.00M | 164989.00M | 160676.00M | 143532.00M |
| Total stockholder equity | 24342.00M | 23690.00M | 23420.00M | 22673.00M | 22201.00M |
| Deferred long term liab | - | - | - | 629.00M | 866.00M |
| Other current liab | -505.00000M | -3.00000M | -74.00000M | -243.00000M | -9.00000M |
| Common stock | 6.00M | 6.00M | 6.00M | 6.00M | 6.00M |
| Capital stock | 2020.00M | 2020.00M | 2020.00M | 1971.00M | 1576.00M |
| Retained earnings | 9816.00M | 9159.00M | 7978.00M | 6445.00M | 6498.00M |
| Other liab | - | 3454.00M | 3425.00M | 4795.00M | 3057.00M |
| Good will | 8188.00M | 8173.00M | 7116.00M | 7050.00M | 7044.00M |
| Other assets | 181153.00M | 217146.00M | 115089.00M | 111414.00M | 106426.00M |
| Cash | 12033.00M | 10850.00M | 9474.00M | 13039.00M | 3683.00M |
| Cash and equivalents | - | - | - | - | - |
| Total current liabilities | 505.00M | 3.00M | 74.00M | 243.00M | 9.00M |
| Current deferred revenue | - | - | - | - | - |
| Net debt | 1939.00M | 5040.00M | -2468.00000M | -4450.00000M | 10373.00M |
| Short term debt | 505.00M | 3.00M | 74.00M | 243.00M | 9.00M |
| Short long term debt | 505.00M | 3.00M | 74.00M | 243.00M | 9.00M |
| Short long term debt total | 13972.00M | 15890.00M | 7006.00M | 8589.00M | 14056.00M |
| Other stockholder equity | 16264.00M | 17071.00M | 14087.00M | 14317.00M | 14538.00M |
| Property plant equipment | - | 844.00M | 768.00M | 759.00M | 761.00M |
| Total current assets | 31571.00M | 316.00M | 37127.00M | 37949.00M | 26833.00M |
| Long term investments | 38647.00M | 33841.00M | 28309.00M | 152303.00M | 144404.00M |
| Net tangible assets | - | 13306.00M | 14290.00M | 13658.00M | 13587.00M |
| Short term investments | 29777.00M | 24007.00M | 26067.00M | 22942.00M | 20613.00M |
| Net receivables | 1122.00M | 1479.00M | 1586.00M | 1968.00M | 2537.00M |
| Long term debt | 13467.00M | 7368.00M | 6932.00M | 8474.00M | 14167.00M |
| Inventory | -14155.00000M | - | 10.00M | 19.00M | 45.00M |
| Accounts payable | - | 180724.00M | 154361.00M | 147164.00M | 125313.00M |
| Total permanent equity | - | - | - | - | - |
| Noncontrolling interest in consolidated entity | - | - | - | - | - |
| Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
| Accumulated other comprehensive income | -3758.00000M | -4560.00000M | -665.00000M | -60.00000M | -411.00000M |
| Additional paid in capital | - | - | - | - | - |
| Common stock total equity | - | 6.00M | 6.00M | 6.00M | 6.00M |
| Preferred stock total equity | - | 2014.00M | 2014.00M | 1965.00M | 1570.00M |
| Retained earnings total equity | - | 9159.00M | 7978.00M | 6445.00M | 6498.00M |
| Treasury stock | - | - | -4918.00000M | -4623.00000M | -4353.00000M |
| Accumulated amortization | - | - | - | - | - |
| Non currrent assets other | -110.00000M | -33841.00000M | -36193.00000M | -33986.00000M | -32474.00000M |
| Deferred long term asset charges | - | - | - | - | - |
| Non current assets total | 9240.00M | 9271.00M | 36193.00M | 33986.00M | 32474.00M |
| Capital lease obligations | - | - | - | - | - |
| Long term debt total | - | 7368.00M | 6913.00M | 8474.00M | 14167.00M |
| Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Investments | -11385.00000M | -8831.00000M | -5950.00000M | -3518.00000M | -6017.00000M |
| Change to liabilities | 1036.00M | 757.00M | 1001.00M | 331.00M | 303.00M |
| Total cashflows from investing activities | -12637.00000M | -10486.00000M | -6136.00000M | -3875.00000M | -7077.00000M |
| Net borrowings | 4831.00M | -1506.00000M | -5738.00000M | -2898.00000M | 2796.00M |
| Total cash from financing activities | 9907.00M | 4636.00M | 15372.00M | 1490.00M | 6352.00M |
| Change to operating activities | -858.00000M | -962.00000M | -2978.00000M | -525.00000M | -914.00000M |
| Net income | 2073.00M | 2319.00M | 1057.00M | 1791.00M | 1721.00M |
| Change in cash | 1389.00M | -3575.00000M | 9347.00M | -688.00000M | 1042.00M |
| Begin period cash flow | 9158.00M | 12733.00M | 3386.00M | 4074.00M | 3032.00M |
| End period cash flow | 10547.00M | 9158.00M | 12733.00M | 3386.00M | 4074.00M |
| Total cash from operating activities | 4119.00M | 2275.00M | 111.00M | 1697.00M | 1767.00M |
| Issuance of capital stock | 0.00000M | 296.00M | 395.00M | 730.00M | 593.00M |
| Depreciation | 565.00M | 625.00M | 578.00M | 633.00M | 489.00M |
| Other cashflows from investing activities | -1126.00000M | -1531.00000M | -68.00000M | -231.00000M | -828.00000M |
| Dividends paid | 892.00M | 783.00M | 770.00M | 682.00M | 485.00M |
| Change to inventory | - | - | - | - | - |
| Change to account receivables | - | - | - | - | - |
| Sale purchase of stock | -153.00000M | -545.00000M | -270.00000M | -1220.00000M | -1025.00000M |
| Other cashflows from financing activities | 30738.00M | -23.00000M | -96.00000M | -21.00000M | -13.00000M |
| Change to netincome | 1865.00M | 293.00M | 1458.00M | 1800.00M | 2431.00M |
| Capital expenditures | 126.00M | 124.00M | 118.00M | 366.00M | 485.00M |
| Change receivables | - | - | - | - | - |
| Cash flows other operating | -1420.00000M | -1719.00000M | -3983.00000M | -2858.00000M | -3177.00000M |
| Exchange rate changes | - | - | - | - | - |
| Cash and cash equivalents changes | 1389.00M | -3575.00000M | 9347.00M | -688.00000M | 1042.00M |
| Change in working capital | -858.00000M | -962.00000M | -2978.00000M | -525.00000M | -914.00000M |
| Stock based compensation | 84.00M | 59.00M | 48.00M | 41.00M | 41.00M |
| Other non cash items | 2198.00M | 663.00M | 1644.00M | -307.00000M | 333.00M |
| Free cash flow | 3993.00M | 2151.00M | -7.00000M | 1331.00M | 1282.00M |
Sector: Financial Services Industry: Banks - Regional
| Company | 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. |
0.58 0.99% | 58.89 | 18.03 | 11.90 | 2.85 | 0.91 | 4.71 |
| HDB HDFC Bank Limited ADR |
-0.24 0.81% | 29.48 | 20.81 | 20.96 | 0.11 | 4.77 | |
| CIHKY China Merchants Bank Co Ltd |
0.02 0.06% | 31.67 | 6.61 | 5.68 | 0.48 | 0.77 | 3.43 |
| IBN ICICI Bank Limited |
0.04 0.14% | 28.06 | 17.79 | 16.95 | 0.07 | 3.08 | |
| BNPQY BNP Paribas SA ADR |
0.20 0.39% | 50.96 | 8.57 | 6.56 | 1.75 | 0.57 |
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, 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 corporate banking, healthcare, technology, asset finance, franchise finance, leasing, asset-based lending, commercial real estate, mid-corporate, and private equity sponsor industries. 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
| 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 |
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