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    Banks - Regional
Citizens Financial Group, Inc.

Citizens Financial Group, Inc.

CFG-PH
Citizens Financial Group, Inc.US flagNew York Stock Exchange
25.68
USD
+0.14
- -
30.18BMarket Cap
Citizens Financial Group, Inc.
CFG-PH
(New York Stock Exchange)

Recent

price

25.68

P/E

ratio

- -

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Revenue per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Basic EPS, GAAP
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
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Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
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Book Value per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
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Tangible Book Value per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Basic Weighted Avg Shares
5,031
4,894
4,690
4,691
4,824
5,255
5,707
6,128
6,491
6,905
6,647
8,021
8,224
7,809
8,247
8,480
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
434
467
404
386
471
515
487
489
633
578
625
565
478
498
478
468
Depreciation Expense
506
643
-3,426
865
840
1,045
1,652
1,721
1,791
1,057
2,319
2,073
1,608
1,509
1,831
1,975
Net Income, GAAP
34.96
37.21
- -
31.78
33.49
31.88
13.6
21.16
20.44
18.57
22.1
21.92
20.79
20.07
21.35
21.31
Effective Tax Rate (%)
10.06
13.14
-73.05
18.44
17.41
19.89
28.95
28.08
27.59
15.31
34.89
25.84
19.55
19.32
22.2
23.29
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
694
1,405
4,642
9,886
12,790
11,765
14,433
14,047
8,346
6,932
15,887
13,467
10,413
9,234
10,270
LT Debt
- -
24,129
19,196
19,268
19,646
19,747
20,270
20,817
22,201
22,673
23,420
23,690
24,342
24,254
26,317
26,172
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
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Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
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Return on Capital (%)
- -
21.98
-96.6
68.08
51.76
44.55
47.62
35.39
28.89
14.67
30.56
22.86
15.71
13.56
15.55
16.54
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
2,204
2,048
2,044
LT Borrowings
8,451
9,234
10,270
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
2,111
2,111
2,111
Shares Outstanding
431
429
426
Market Capitalization
- -
- -
- -

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
47,648
49,277
49,402
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
2,204
2,048
2,044
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
3%
3.07%
8.51%
Free Cash Flow
193.08%
396.11%
10.49%
Net Income, GAAP
15.13%
20.31%
21.34%
Sales/Revenue/Turnover
5.72%
4%
5.61%
Total Cash Common Dividend
14.41%
2.76%
-2.09%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1,959
1,959
1,901
1,976
7,809
2025
1,935
2,037
2,118
2,157
8,247
2026
2,168
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
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- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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Business
Citizens Financial Group, Inc. (NYSE: CFG) operates as a major regional bank holding company headquartered in Providence, Rhode Island, and founded in 1828, providing retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations, and institutions across 14 states and the District of Columbia. Consumer Banking offerings include mobile and online banking, deposits, mortgage and home equity lending, credit cards, small business loans, education loans, point-of-sale finance, savings, wealth management, and investment services; Commercial Banking provides lending and leasing, deposit and treasury management, foreign exchange, interest rate and commodity risk management, loan syndication, corporate finance, merger and acquisition advisory, and debt and equity capital markets capabilities through Citizens JMP Securities. The company maintains approximately 1,000 branches and 3,000 ATMs, with total assets of $218.3 billion as of June 30, 2025. Recent strategic developments include an expansion of its common share repurchase authorization to $1.5 billion in June 2025, signaling confidence in financial strength and capital returns to shareholders; ongoing Private Bank growth with new offices opened in Mill Valley and San Francisco in 2024, a Southern California team addition, and planned locations in Newport Beach, San Diego, and Silicon Valley by mid-2025; and an expanded strategic partnership with Infosys in July 2025 to accelerate AI-powered digital transformation, cloud migration, and enhanced customer experiences.