Financial Services - Banks - Regional - NYSE - US
$ 21.18
0.618 %
$ 20.7 B
Market Cap
4.49
P/E
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.[ Read More ]
The intrinsic value of one CFG-PE stock under the base case scenario is HIDDEN Compared to the current market price of 21.2 USD, Citizens Financial Group, Inc. is HIDDEN
2. FUNDAMENTAL
ANALYSIS
Price Chart CFG-PE
FINANCIALS
24.1 M
REVENUE
0
OPERATING INCOME
1.61 B
NET INCOME
2.96 B
OPERATING CASH FLOW
5.25 B
INVESTING CASH FLOW
-7.13 B
FINANCING CASH FLOW
1.9 B
REVENUE
632 M
OPERATING INCOME
585 M
NET INCOME
130 M
OPERATING CASH FLOW
161 M
INVESTING CASH FLOW
-1.15 B
FINANCING CASH FLOW
Balance Sheet Decomposition
Citizens Financial Group, Inc.
| Current Assets | 31.6 B |
| Cash & Short-Term Investments | 31.6 B |
| Receivables | 0 |
| Other Current Assets | 0 |
| Non-Current Assets | 9.24 B |
| Long-Term Investments | 0 |
| PP&E | 895 M |
| Other Non-Current Assets | 8.34 B |
| Current Liabilities | 0 |
| Accounts Payable | 0 |
| Short-Term Debt | 505 M |
| Other Current Liabilities | -505 M |
| Non-Current Liabilities | 13.5 B |
| Long-Term Debt | 13.5 B |
| Other Non-Current Liabilities | 0 |
EFFICIENCY
Earnings Waterfall
Citizens Financial Group, Inc.
| Revenue | 24.1 M |
| Cost Of Revenue | 15.9 M |
| Gross Profit | 8.2 M |
| Operating Expenses | 5.51 B |
| Operating Income | 0 |
| Other Expenses | -1.61 B |
| Net Income | 1.61 B |
RATIOS
34.00%
GROSS MARGIN
0.00%
OPERATING MARGIN
6666.67%
NET MARGIN
6.61%
ROE
0.72%
ROA
0.00%
ROIC
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis
Citizens Financial Group, Inc.
| Net Income | 1.61 B |
| Depreciation & Amortization | 478 M |
| Capital Expenditures | -172 M |
| Stock-Based Compensation | 87 M |
| Change in Working Capital | 273 M |
| Others | 1.03 B |
| Free Cash Flow | 2.79 B |
Wall Street Analysts Price Targets
Citizens Financial Group, Inc.
CFG-PE has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
1.23%
DIVIDEND YIELD
0.312 USD
DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership
Citizens Financial Group, Inc.
Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
| Date | Value | Insider | Amount | Avg Price |
|---|---|---|---|---|
|
1 year ago
Oct 27, 2023
|
Bought 22.9 K USD
|
Lillis Terrance
Director |
+ 1000
|
22.865 USD |
|
1 year ago
May 17, 2023
|
Bought 26.4 K USD
|
Lillis Terrance
Director |
+ 1000
|
26.39 USD |
|
1 year ago
Apr 21, 2023
|
Bought 95 K USD
|
Subramaniam Shivan S.
Director |
+ 3300
|
28.79 USD |
|
1 year ago
Feb 10, 2023
|
Sell 3.9 M USD
|
Cummings Kevin
Director |
- 90689
|
43 USD |
|
1 year ago
Feb 07, 2023
|
Sell 3.6 M USD
|
Cummings Kevin
Director |
- 81151
|
44.4 USD |
|
3 years ago
Dec 11, 2020
|
Sell 424 K USD
|
Coughlin Brendan
Head of Consumer Banking |
- 12000
|
35.35 USD |
|
4 years ago
May 07, 2020
|
Bought 3.51 K USD
|
HANKOWSKY WILLIAM P
Director |
+ 165
|
21.25 USD |
|
4 years ago
Apr 22, 2020
|
Bought 98.8 K USD
|
KOCH CHARLES JOHN
Director |
+ 5000
|
19.76 USD |
|
4 years ago
Apr 21, 2020
|
Bought 389 K USD
|
KOCH CHARLES JOHN
Director |
+ 20000
|
19.47 USD |
|
4 years ago
Apr 20, 2020
|
Bought 206 K USD
|
HANKOWSKY WILLIAM P
Director |
+ 10000
|
20.56 USD |
|
4 years ago
Mar 13, 2020
|
Sell 99.9 K USD
|
Coughlin Brendan
Head of Consumer Banking |
- 4500
|
22.21 USD |
|
4 years ago
Mar 11, 2020
|
Bought 49.2 K USD
|
Subramaniam Shivan S.
Director |
+ 2000
|
24.62 USD |
|
4 years ago
Mar 10, 2020
|
Bought 24.5 K USD
|
Lillis Terrance
Director |
+ 1000
|
24.46 USD |
|
4 years ago
Mar 06, 2020
|
Bought 27.7 K USD
|
HIGDON LEO I JR
Director |
+ 1000
|
27.73 USD |
|
4 years ago
Mar 02, 2020
|
Bought 162 K USD
|
Subramaniam Shivan S.
Director |
+ 5000
|
32.35 USD |
|
5 years ago
Aug 20, 2019
|
Bought 487 K USD
|
KOCH CHARLES JOHN
Director |
+ 15000
|
32.45 USD |
|
5 years ago
Nov 21, 2018
|
Bought 106 K USD
|
Subramaniam Shivan S.
Director |
+ 3000
|
35.32 USD |
|
6 years ago
Oct 23, 2018
|
Bought 508 K USD
|
KOCH CHARLES JOHN
Director |
+ 14000
|
36.32 USD |
|
6 years ago
Jun 05, 2018
|
Sell 32.9 K USD
|
Black Randall J
Controller |
- 792
|
41.49 USD |
|
6 years ago
Dec 01, 2017
|
Sell 161 K USD
|
Watson Wendy A.
Director |
- 4000
|
40.31 USD |
7. News
8. Profile Summary
Citizens Financial Group, Inc. CFG-PE
COUNTRY
US
INDUSTRY
Banks - Regional
MARKET CAP
$ 20.7 B
Dividend Yield
1.23%
Description
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.
Contact
One Citizens Plaza, Providence, RI, 02903
https://www.citizensbank.com
IPO Date
Oct. 22, 2019
Employees
17329
Officers
Mr. Theodore C. Swimmer
Head of Corporate Finance & Capital Markets
Ms. Polly Nyquist Klane
Executive Vice President, General Counsel & Chief Legal Officer
Mr. Michael Ruttledge
Executive Vice President, Chief Information Officer & Head of Technology Services
Ms. Kristin Silberberg
Head of Investor Relations
Mr. John F. Woods
Vice Chairman & Chief Financial Officer
Mr. Christopher J. Schnirel
Chief Accounting Officer & Controller
Ms. Susan LaMonica
Executive Vice President & Chief Human Resources Officer
Mr. Bruce Winfield Van Saun
Chief Executive Officer & Chairman of the Board
Mr. Donald H. McCree III
Senior Vice Chairman & Head of Commercial Banking Division
Mr. Brendan Coughlin
Executive Vice President, Head of Consumer Banking & Vice Chairman