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CFG-PE

Citizens Financial Group, Inc.

Price Chart
Latest Quote

$18.18

-0.11 (-0.57%)
Current Price
Previous Close $18.29
Open $18.30
Day High $18.33
Day Low $18.14
Volume 219,419
Fetched: 2026-06-17T19:49:23
Stock Information
Quarterly Dividend / Yield $1.25 / 6.83%
Quarterly Dividend Yield 6.83%
Quarterly Dividend $1.25
Total Debt $12.31B
Cash Equivalents $13.16B
Revenue $7.89B
Net Income $1.83B
Sector Financial Services
Industry Banks - Regional
P/E Ratio 3.85
EPS (TTM) $4.72
Exchange NYQ
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📊 Comprehensive Analysis
Company Data
Enterprise Value$9.00B
Sales$7.89B
Income$1.83B
Book/sh$56.48
Employees17K
Financial Ratios
EPS Growth TTM38.60%
Returns & Margins
ROA0.88%
ROE7.74%
Operating Margin32.05%
Profit Margin25.05%
Ownership
Institutional Ownership15.45%
Insider & Institutional transactions data not available
Valuation Ratios
P/B0.32
Analyst Data
Recommendationnone
Technical Indicators
SMA20$18.33
SMA50$18.80
SMA200$19.21
RSI30.86
ATR0.1689
Shares Float418.67M
Short Ratio0.70
Volatility1.02
Rel Volume3.22
Performance History
Week+1.08%
Month-3.76%
Quarter-5.76%
6 Months-3.59%
YTD-4.59%
Year+2.91%
3 Years+11.69%
5 Years-9.11%
10 Years+4.32%
Stock Score: ⭐ Premium
Based on debt, profitability, growth, and cash flow metrics
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Recent Price History
Date Close Volume
2026-06-17 $18.18 219,419
2026-06-16 $18.29 78,162
2026-06-15 $18.22 175,112
2026-06-12 $18.15 83,865
2026-06-11 $18.12 52,039
2026-06-10 $17.99 44,321
2026-06-09 $18.03 41,503
2026-06-08 $18.12 53,389
2026-06-05 $18.08 42,851
2026-06-04 $18.23 43,765
2026-06-03 $18.20 48,614
2026-06-02 $18.37 53,450
2026-06-01 $18.48 38,919
2026-05-29 $18.50 74,568
2026-05-28 $18.65 35,553
2026-05-27 $18.66 56,868
2026-05-26 $18.56 38,749
2026-05-22 $18.56 59,168
2026-05-21 $18.50 56,974
2026-05-20 $18.65 65,543
2026-05-19 $18.65 38,535
2026-05-18 $18.90 28,417
About 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.

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Income Statement (Annual)
Metric 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Revenue
Total Revenue $7,794,000,000 $8,224,000,000 $8,021,000,000 $6,647,000,000
Operating Revenue $7,794,000,000 $8,224,000,000 $8,021,000,000 $6,647,000,000
Expenses
Interest Expense $4,553,000,000 $3,963,000,000 $1,048,000,000 $339,000,000
Selling And Marketing Expense $170,000,000 $187,000,000 $166,000,000 $111,000,000
General And Administrative Expense $2,819,000,000 $2,764,000,000 $2,645,000,000 $2,198,000,000
Other Non Interest Expense $873,000,000 $802,000,000 $1,023,000,000 $829,000,000
Income & Earnings
Net Income From Continuing Operation Net Minority Interest $1,509,000,000 $1,608,000,000 $2,073,000,000 $2,319,000,000
Net Interest Income $5,633,000,000 $6,241,000,000 $6,012,000,000 $4,512,000,000
Interest Income $10,186,000,000 $10,204,000,000 $7,060,000,000 $4,851,000,000
Normalized Income $1,621,715,400 $2,008,954,400 $2,073,000,000 $2,319,000,000
Net Income From Continuing And Discontinued Operation $1,509,000,000 $1,608,000,000 $2,073,000,000 $2,319,000,000
Net Income Common Stockholders $1,372,000,000 $1,491,000,000 $1,960,000,000 $2,206,000,000
Net Income $1,509,000,000 $1,608,000,000 $2,073,000,000 $2,319,000,000
Net Income Including Noncontrolling Interests $1,509,000,000 $1,608,000,000 $2,073,000,000 $2,319,000,000
Net Income Continuous Operations $1,509,000,000 $1,608,000,000 $2,073,000,000 $2,319,000,000
Pretax Income $1,888,000,000 $2,030,000,000 $2,655,000,000 $2,977,000,000
Special Income Charges $-141,000,000 $-506,000,000 $-244,000,000 $-35,000,000
Other
Tax Effect Of Unusual Items $-28,284,600 $-105,045,600 $0 $0
Tax Rate For Calcs $0 $0 $0 $0
Total Unusual Items $-141,000,000 $-506,000,000 $-244,000,000 $-35,000,000
Total Unusual Items Excluding Goodwill $-141,000,000 $-506,000,000 $-244,000,000 $-35,000,000
Reconciled Depreciation $498,000,000 $478,000,000 $565,000,000 $625,000,000
Diluted NI Availto Com Stockholders $1,372,000,000 $1,491,000,000 $1,960,000,000 $2,206,000,000
Preferred Stock Dividends $137,000,000 $117,000,000 $113,000,000 $113,000,000
Tax Provision $379,000,000 $422,000,000 $582,000,000 $658,000,000
Other Special Charges $31,000,000 $225,000,000 - -
Restructuring And Mergern Acquisition $110,000,000 $281,000,000 $244,000,000 $35,000,000
Gain On Sale Of Security $18,000,000 $28,000,000 $9,000,000 $10,000,000
Selling General And Administration $2,989,000,000 $2,951,000,000 $2,811,000,000 $2,309,000,000
Insurance And Claims $162,000,000 $165,000,000 $96,000,000 $66,000,000
Salaries And Wages $2,657,000,000 $2,599,000,000 $2,549,000,000 $2,132,000,000
Occupancy And Equipment $1,216,000,000 $1,248,000,000 $1,058,000,000 $943,000,000
Otherunder Preferred Stock Dividend - - - $113,000,000
Fetched: 2026-02-02
Balance Sheet (Annual)
Metric 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Assets
Net Tangible Assets $15,921,000,000 $15,997,000,000 $15,320,000,000 $16,240,000,000
Total Assets $217,521,000,000 $221,964,000,000 $226,733,000,000 $188,409,000,000
Goodwill And Other Intangible Assets $8,333,000,000 $8,345,000,000 $8,370,000,000 $7,180,000,000
Other Intangible Assets $146,000,000 $157,000,000 $197,000,000 $64,000,000
Receivables $1,027,000,000 $1,148,000,000 $1,456,000,000 $1,540,000,000
Other Receivables $1,027,000,000 $1,148,000,000 $1,456,000,000 $1,540,000,000
Cash And Cash Equivalents $11,236,000,000 $12,033,000,000 $10,850,000,000 $9,474,000,000
Cash Financial $10,601,000,000 $11,628,000,000 $10,547,000,000 $9,158,000,000
Cash Cash Equivalents And Federal Funds Sold $11,236,000,000 $12,033,000,000 $10,850,000,000 $9,474,000,000
Accounts Receivable - - - $506,000,000
Debt
Net Debt $1,165,000,000 $1,939,000,000 $5,040,000,000 -
Total Debt $12,401,000,000 $13,972,000,000 $15,890,000,000 $7,005,000,000
Long Term Debt And Capital Lease Obligation $10,413,000,000 $13,467,000,000 $15,887,000,000 $6,932,000,000
Long Term Debt $10,413,000,000 $13,467,000,000 $15,887,000,000 $6,932,000,000
Current Debt And Capital Lease Obligation $1,988,000,000 $505,000,000 $3,000,000 $73,000,000
Current Debt $1,988,000,000 $505,000,000 $3,000,000 $73,000,000
Other Current Borrowings $0 $505,000,000 $3,000,000 $73,000,000
Liabilities
Total Liabilities Net Minority Interest $193,267,000,000 $197,622,000,000 $203,043,000,000 $164,989,000,000
Derivative Product Liabilities $1,220,000,000 $1,562,000,000 $1,909,000,000 $197,000,000
Current Notes Payable $1,988,000,000 $0 - -
Equity
Common Stock Equity $22,141,000,000 $22,328,000,000 $21,676,000,000 $21,406,000,000
Preferred Stock Equity $2,113,000,000 $2,014,000,000 $2,014,000,000 $2,014,000,000
Total Equity Gross Minority Interest $24,254,000,000 $24,342,000,000 $23,690,000,000 $23,420,000,000
Stockholders Equity $24,254,000,000 $24,342,000,000 $23,690,000,000 $23,420,000,000
Gains Losses Not Affecting Retained Earnings $-3,595,000,000 $-3,758,000,000 $-4,560,000,000 $-665,000,000
Other Equity Adjustments $-3,595,000,000 $-3,758,000,000 $-4,560,000,000 $-665,000,000
Retained Earnings $10,412,000,000 $9,816,000,000 $9,159,000,000 $7,978,000,000
Other
Treasury Shares Number $209,524,943 $181,411,665 $152,937,860 $149,121,938
Preferred Shares Number $34,000,000 $30,000,000 $30,000,000 $30,000,000
Ordinary Shares Number $440,543,381 $466,418,055 $492,282,158 $422,137,197
Share Issued $650,068,324 $647,829,720 $645,220,018 $571,259,135
Tangible Book Value $13,808,000,000 $13,983,000,000 $13,306,000,000 $14,226,000,000
Invested Capital $34,542,000,000 $36,300,000,000 $37,566,000,000 $28,411,000,000
Total Capitalization $34,667,000,000 $37,809,000,000 $39,577,000,000 $30,352,000,000
Treasury Stock $7,047,000,000 $5,986,000,000 $5,071,000,000 $4,918,000,000
Additional Paid In Capital $22,364,000,000 $22,250,000,000 $22,142,000,000 $19,005,000,000
Capital Stock $2,120,000,000 $2,020,000,000 $2,020,000,000 $2,020,000,000
Common Stock $7,000,000 $6,000,000 $6,000,000 $6,000,000
Preferred Stock $2,113,000,000 $2,014,000,000 $2,014,000,000 $2,014,000,000
Investments And Advances $41,129,000,000 $38,647,000,000 $33,461,000,000 $27,592,000,000
Held To Maturity Securities $8,516,000,000 $8,980,000,000 $9,724,000,000 $2,165,000,000
Goodwill $8,187,000,000 $8,188,000,000 $8,173,000,000 $7,116,000,000
Net PPE $875,000,000 $895,000,000 $844,000,000 $768,000,000
Accumulated Depreciation $-810,000,000 $-813,000,000 $-862,000,000 $-804,000,000
Gross PPE $1,685,000,000 $1,708,000,000 $1,706,000,000 $1,572,000,000
Construction In Progress $53,000,000 $77,000,000 $61,000,000 $77,000,000
Machinery Furniture Equipment $601,000,000 $613,000,000 $622,000,000 $589,000,000
Buildings And Improvements $887,000,000 $875,000,000 $879,000,000 $805,000,000
Land And Improvements $144,000,000 $143,000,000 $144,000,000 $101,000,000
Other Short Term Investments $32,613,000,000 $29,667,000,000 $23,737,000,000 $25,427,000,000
Fetched: 2026-02-02
Cash Flow Statement (Annual)
Metric 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Free Cash Flow
Free Cash Flow $1,879,000,000 $2,789,000,000 $3,993,000,000 $2,151,000,000
Operating Activities
Operating Cash Flow $2,001,000,000 $2,961,000,000 $4,119,000,000 $2,275,000,000
Cash Flow From Continuing Operating Activities $2,001,000,000 $2,961,000,000 $4,119,000,000 $2,275,000,000
Operating Gains Losses $-18,000,000 $-28,000,000 $-9,000,000 $-11,000,000
Investing Activities
Capital Expenditure $-122,000,000 $-172,000,000 $-126,000,000 $-124,000,000
Investing Cash Flow $2,987,000,000 $5,248,000,000 $-12,637,000,000 $-10,486,000,000
Cash Flow From Continuing Investing Activities $2,987,000,000 $5,248,000,000 $-12,637,000,000 $-10,486,000,000
Net Other Investing Changes $-93,000,000 $-61,000,000 $-871,000,000 $-1,366,000,000
Capital Expenditure Reported $-122,000,000 $-172,000,000 $-126,000,000 $-124,000,000
Financing Activities
Repurchase Of Capital Stock $-1,350,000,000 $-906,000,000 $-153,000,000 $-545,000,000
Issuance Of Capital Stock $392,000,000 $0 $0 $296,000,000
Financing Cash Flow $-6,015,000,000 $-7,128,000,000 $9,907,000,000 $4,636,000,000
Cash Flow From Continuing Financing Activities $-6,015,000,000 $-7,128,000,000 $9,907,000,000 $4,636,000,000
Net Other Financing Charges $18,000,000 $21,000,000 $-25,000,000 $-23,000,000
Cash Dividends Paid $-903,000,000 $-928,000,000 $-892,000,000 $-783,000,000
Preferred Stock Dividend Paid $-134,000,000 $-120,000,000 $-113,000,000 $-113,000,000
Common Stock Dividend Paid $-769,000,000 $-808,000,000 $-779,000,000 $-670,000,000
Net Preferred Stock Issuance $92,000,000 $0 $0 $46,000,000
Preferred Stock Issuance $392,000,000 $0 $0 $296,000,000
Net Common Stock Issuance $-1,050,000,000 $-906,000,000 $-153,000,000 $-295,000,000
Other
Repayment Of Debt $-14,286,000,000 $-28,418,000,000 $-19,691,000,000 $-1,352,000,000
Issuance Of Debt $13,185,000,000 $25,983,000,000 $24,617,000,000 $0
Interest Paid Supplemental Data $4,375,000,000 $3,640,000,000 $989,000,000 $347,000,000
Income Tax Paid Supplemental Data $208,000,000 $375,000,000 $183,000,000 $1,247,000,000
End Cash Position $10,601,000,000 $11,628,000,000 $10,547,000,000 $9,158,000,000
Beginning Cash Position $11,628,000,000 $10,547,000,000 $9,158,000,000 $12,733,000,000
Changes In Cash $-1,027,000,000 $1,081,000,000 $1,389,000,000 $-3,575,000,000
Preferred Stock Payments $-300,000,000 $0 $0 $-250,000,000
Common Stock Payments $-1,050,000,000 $-906,000,000 $-153,000,000 $-295,000,000
Net Issuance Payments Of Debt $-1,606,000,000 $-1,933,000,000 $4,831,000,000 $-1,506,000,000
Net Short Term Debt Issuance $-505,000,000 $502,000,000 $-95,000,000 $-154,000,000
Net Long Term Debt Issuance $-1,101,000,000 $-2,435,000,000 $4,926,000,000 $-1,352,000,000
Long Term Debt Payments $-14,286,000,000 $-28,418,000,000 $-19,691,000,000 $-1,352,000,000
Long Term Debt Issuance $13,185,000,000 $25,983,000,000 $24,617,000,000 $0
Net Investment Purchase And Sale $-2,170,000,000 $-4,384,000,000 $-5,141,000,000 $-2,800,000,000
Sale Of Investment $7,585,000,000 $5,703,000,000 $5,635,000,000 $9,606,000,000
Purchase Of Investment $-9,755,000,000 $-10,087,000,000 $-10,776,000,000 $-12,406,000,000
Net Business Purchase And Sale $0 $0 $-255,000,000 $-165,000,000
Purchase Of Business $0 $0 $-255,000,000 $-165,000,000
Change In Working Capital $-571,000,000 $273,000,000 $-858,000,000 $-962,000,000
Change In Other Current Liabilities $-310,000,000 $-339,000,000 $1,036,000,000 $757,000,000
Change In Other Current Assets $-261,000,000 $612,000,000 $-1,894,000,000 $-1,719,000,000
Other Non Cash Items $-24,000,000 $98,000,000 $1,733,000,000 $1,085,000,000
Stock Based Compensation $97,000,000 $87,000,000 $84,000,000 $59,000,000
Deferred Tax $-177,000,000 $-242,000,000 $57,000,000 $-429,000,000
Deferred Income Tax $-177,000,000 $-242,000,000 $57,000,000 $-429,000,000
Depreciation Amortization Depletion $498,000,000 $478,000,000 $565,000,000 $625,000,000
Depreciation And Amortization $498,000,000 $478,000,000 $565,000,000 $625,000,000
Net Income From Continuing Operations $1,509,000,000 $1,608,000,000 $2,073,000,000 $2,319,000,000
Depreciation - $478,000,000 $565,000,000 $625,000,000
Short Term Debt Payments - - $-95,000,000 $-154,000,000
Fetched: 2026-02-02