About Citizens Financial Group, Inc.
https://www.citizensbank.comCitizens 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.
CEO
Bruce Winfield Van Saun
Compensation Summary
(Year 2024)
ETFs Holding This Stock
Summary
Showing Top 2 of 8
Ratings Snapshot
Rating : A
Price Target
Institutional Ownership
PRIVATE ASSET MANAGEMENT INC
Shares:25.55K
Value:$503.08K
PNC FINANCIAL SERVICES GROUP, INC.
Shares:1.01K
Value:$19.99K
NBC SECURITIES, INC.
Shares:74
Value:$1.46K
Summary
Showing Top 3 of 4
About Citizens Financial Group, Inc.
https://www.citizensbank.comCitizens 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.
Income Statement
| Period | Revenue | Operating Expense | Net Income | Net Profit Margin | Earnings Per Share | EBITDA |
|---|---|---|---|---|---|---|
| Q3-2025 | $3.09B ▲ | $1.33B ▲ | $494M ▲ | 16% ▲ | $1.06 ▲ | $748M ▲ |
| Q2-2025 | $3.01B ▲ | $1.32B ▲ | $436M ▲ | 14.5% ▲ | $0.93 ▲ | $678M ▲ |
| Q1-2025 | $2.9B ▼ | $1.31B ▲ | $373M ▼ | 12.88% ▼ | $0.78 ▼ | $591M ▼ |
| Q4-2024 | $3.03B ▼ | $1.31B ▲ | $401M ▲ | 13.25% ▲ | $0.83 ▲ | $632M ▲ |
| Q3-2024 | $3.07B | $1.26B | $382M | 12.43% | $0.77 | $599M |
What's going well?
Revenue and profits are both up, with operating and net margins improving. The company is controlling expenses well, leading to better efficiency and more money making it to the bottom line.
What's concerning?
Interest costs remain high, taking a big bite out of profits. Overhead is significant, and there is no visible investment in R&D, which could limit future growth.
Balance Statement
| Period | Cash & Short-term | Total Assets | Total Liabilities | Total Equity |
|---|---|---|---|---|
| Q3-2025 | $47.65B ▲ | $222.75B ▲ | $196.92B ▲ | $25.83B ▲ |
| Q2-2025 | $43.77B ▼ | $218.31B ▼ | $193.08B ▼ | $25.23B ▲ |
| Q1-2025 | $46.32B ▲ | $220.15B ▲ | $195.28B ▲ | $24.87B ▲ |
| Q4-2024 | $43.85B ▼ | $217.52B ▼ | $193.27B ▼ | $24.25B ▼ |
| Q3-2024 | $44.24B | $219.71B | $194.77B | $24.93B |
Cash Flow Statement
| Period | Net Income | Cash From Operations | Cash From Investing | Cash From Financing | Net Change | Free Cash Flow |
|---|---|---|---|---|---|---|
| Q3-2025 | $494M ▲ | $1.7B ▲ | $-1.5B ▼ | $2.9B ▲ | $3.1B ▲ | $1.66B ▲ |
| Q2-2025 | $436M ▲ | $886M ▲ | $-1.43B ▼ | $-2.45B ▼ | $-2.99B ▼ | $853M ▲ |
| Q1-2025 | $373M ▼ | $-213M ▼ | $-1.11B ▼ | $2.26B ▲ | $940M ▲ | $-227M ▼ |
| Q4-2024 | $401M ▲ | $483M ▲ | $1.61B ▲ | $-2.4B ▼ | $-314M ▲ | $435M ▲ |
| Q3-2024 | $382M | $130M | $161M | $-1.15B | $-856M | $96M |
Revenue by Products
| Product | Q4-2024 | Q1-2025 | Q2-2025 | Q3-2025 |
|---|---|---|---|---|
 Card Fees | $190.00M ▲ | $80.00M ▼ | $90.00M ▲ | $90.00M ▲ |
 Service Charges and Fees | $210.00M ▲ | $110.00M ▼ | $110.00M ▲ | $110.00M ▲ |
CEO
Bruce Winfield Van Saun
Compensation Summary
(Year 2024)
ETFs Holding This Stock
Summary
Showing Top 2 of 8
Ratings Snapshot
Rating : A
Price Target
Institutional Ownership
PRIVATE ASSET MANAGEMENT INC
Shares:25.55K
Value:$503.08K
PNC FINANCIAL SERVICES GROUP, INC.
Shares:1.01K
Value:$19.99K
NBC SECURITIES, INC.
Shares:74
Value:$1.46K
Summary
Showing Top 3 of 4