Citizens Financial Group, Inc. (CFG) Stock

About Citizens Financial Group, Inc.

Citizens Financial Group, Inc. (CFG) functions as the holding company for Citizens Bank, National Association, a major financial institution offering a comprehensive suite of retail and commercial banking solutions across the United States. It serves a broad spectrum of clients, from individual consumers and small enterprises to large corporations and various institutions. Its business is segmented into two primary divisions: Consumer Banking and Commercial Banking. The Consumer Banking division delivers a robust array of products, encompassing deposit accounts, mortgage and home equity lending, credit cards, and business loans for smaller entities. It also provides wealth management, investment services, and specialized financing for areas like auto, education, and point-of-sale purchases, alongside digital deposit solutions. Clients engage with this segment through contact centers and its advanced online and mobile banking platforms. Conversely, the Commercial Banking segment provides sophisticated financial solutions designed for corporate and institutional clients. These include a wide range of lending and leasing products, treasury and deposit management services, foreign exchange, and risk mitigation tools for interest rates and commodities. Additionally, it offers syndicated loans, corporate finance advice, merger and acquisition (M&A) assistance, and capital markets services for debt and equity. Its client roster spans numerous industries, such as government, non-profit, healthcare, technology, professional services, energy (oil and gas), asset and franchise finance, asset-based lending, commercial real estate, private equity, and sponsor finance. The company boasts a substantial physical presence, operating approximately 1,200 branches across 14 states and the District of Columbia. Complementing these are 114 non-branch retail and commercial offices in key national markets and a network of roughly 3,300 automated teller machines. Founded in 1828, Citizens Financial Group, Inc. is headquartered in Providence, Rhode Island. It adopted its current name in April 2014, having previously operated as RBS Citizens Financial Group, Inc.

Citizens Financial Group, Inc. is led by CEO Bruce Winfield Van Saun, employs 17,315 people, headquartered in Providence, US, publicly traded since 2014.

Citizens Financial Group, Inc. (CFG) stock trades at $73.60 with a market capitalization of $31.12B. The stock is valued at a price-to-earnings (P/E) ratio of 15.10, price-to-book of 1.13, price-to-sales of 2.28. Over the past 52 weeks the stock has ranged between $41.38 and $74.40, and currently trades 1.1% below its 52-week high. It pays a dividend yielding 2.96%.

On profitability, Citizens Financial Group, Inc. generates a return on equity (ROE) of 7.74%, return on capital employed of 8.85%, an operating margin of 20.88%, a net profit margin of 17.51%.

In its most recent fiscal year, Citizens Financial Group, Inc. reported annual revenue of $11.1B, net profit of $1.8B, revenue has compounded at 7.7% a year over the last five years, profit at 11.6% a year. Profit growing faster than revenue points to expanding margins.

The balance sheet shows a debt-to-equity ratio of 0.47 — a conservative balance sheet with little leverage risk, a current ratio of 1.04, total assets of $226.4B, $12.7B in cash and equivalents.

CFG has an average daily trading volume of 4,560,000 shares, a beta of 1.02.

Official website: www.citizensbank.com