Stock Fundamentals

Company Information

Company Name
Citizens Financial Group, Inc.
Sector
Financial Services
Industry
Banks - Regional
Exchange
NYSE
ISIN: US1746101054
CIK: 0000759944
CUSIP: 174610105
Currency: USD
Full Time Employees: 17,380
Phone: 203 900 6715
Fiscal Year End: December
IPO Date: Sep 24, 2014
Description:

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.

Address:

One Citizens Plaza, Providence, RI, United States, 02903

Directors & Officers

Name Title Year Born
Mr. Bruce Winfield Van Saun CEO & Chairman of the Board 1957
Mr. Brendan Coughlin President and Head of Consumer, Private Banking & Wealth 1980
Mr. Aunoy Banerjee Executive VP & CFO 1978
Mr. Theodore C. Swimmer Executive VP & Head of Commercial Banking 1969
Mr. Christopher J. Schnirel Executive VP, Chief Accounting Officer & Controller 1972
Mr. Michael Ruttledge Executive VP, Chief Information Officer and Head of Enterprise Security & Technology 1964
Ms. Kristin Silberberg Head of Investor Relations NA
Ms. Michelle Moosally Executive Vice President, General Counsel and Chief Legal Officer 1976
Ms. Susan A. LaMonica Executive VP & Chief HR Officer 1962
Mr. Thomas M. Metzger Head of Citizens Private Wealth Manager 1952

Insider Trading

Date Insider Name Title Transaction Type Shares Price Value
Mar 11, 2026 Susan Lamonica N/A Sale 13.26K $58.04 $769.49K

Institutional Holders

Holder Name Shares Date Reported % Out Value % Change
Vanguard Group Inc 51.30M Dec 31, 2025 12.04% $0.04 0.23%
BlackRock Inc 46.70M Mar 31, 2026 10.96% $0.05 2.46%
Capital World Investors 27.90M Mar 31, 2026 6.55% $0.23 -24.35%
Amvescap Plc. 22.93M Mar 31, 2026 5.38% $0.21 0.85%
State Street Corp 20.26M Mar 31, 2026 4.76% $0.04 -10.96%
Morgan Stanley - Brokerage Accounts 12.71M Mar 31, 2026 2.98% $0.05 13.32%
Geode Capital Management, LLC 11.81M Mar 31, 2026 2.77% $0.04 3.96%
AQR Capital Management LLC 7.34M Mar 31, 2026 1.72% $0.20 -4.95%
Nordea Investment Mgmt Bank Demark A/s 7.32M Mar 31, 2026 1.72% $0.40 1.42%
Ninety One UK Limited 6.77M Mar 31, 2026 1.59% $0.94 2.94%
Charles Schwab Investment Management Inc 6.68M Mar 31, 2026 1.57% $0.06 -1.04%
NORGES BANK 6.09M Dec 31, 2025 1.43% $0.04 7.60%
LSV Asset Management 6.06M Mar 31, 2026 1.42% $0.78 -2.31%
Dimensional Fund Advisors, Inc. 4.72M Mar 31, 2026 1.11% $0.06 0.61%
The Goldman Sachs Group Inc 4.57M Mar 31, 2026 1.07% $0.03 -10.15%
Northern Trust Corp 4.49M Mar 31, 2026 1.05% $0.04 0.28%
Victory Capital Management Inc. 4.10M Mar 31, 2026 0.96% $0.16 -13.42%
Royal Bank of Canada 4.03M Mar 31, 2026 0.95% $0.04 -11.45%
Citadel Advisors Llc 3.89M Mar 31, 2026 0.91% $0.04 89.05%
UBS Asset Mgmt Americas Inc 3.34M Mar 31, 2026 0.79% $0.04 14.66%

Shares Statistics

Shares Outstanding: 422.88M
Shares Float: 418.67M
% Insiders: 73.10%
% Institutions: 9,839.40%
Short % Float: 0.02%

Fund Holdings

Rank Holder Name Shares Held % of Shares Change Date Reported
1 Vanguard Total Stock Mkt Idx Inv 12.81M 3.01% ▲ 0.21% Apr 30, 2026
2 American Funds Washington Mutual A 11.85M 2.78% ▼ 50.52% Mar 31, 2026
3 Capital Group Wash Mutual Invtrs Comp 11.85M 2.78% ▼ 50.52% Mar 31, 2026
4 Vanguard 500 Index Investor 11.02M 2.59% ▲ 1.83% Apr 30, 2026
5 American Funds Income Fund of Amer A 10.06M 2.36% ▼ 17.05% Mar 31, 2026
6 Vanguard Mid Cap Index Institutional 8.74M 2.05% ▲ 0.21% Apr 30, 2026
7 iShares Core S&P 500 ETF 5.50M 1.29% ▲ 0.29% Apr 30, 2026
8 Fidelity 500 Index 5.43M 1.27% ▼ 0.70% Mar 31, 2026
9 State Street® SPDR® S&P 500® ETF 5.06M 1.19% ▲ 0.33% Apr 30, 2026
10 American Funds Fundamental Invs A 4.24M 0.99% ▼ 7.62% Mar 31, 2026

Valuation Metrics

Enterprise Value: $27.61B
Trailing P/E: 14.77
Forward P/E: 11.85

Financial Highlights

Market Cap: $26.35B
P/E Ratio: $14.77
PEG Ratio: $1.65
Book Value: $56.48
Dividend/Share: $1.76
Dividend Yield: 2.90%
Earnings/Share: $4.22
Profit Margin: 25.05%
Operating Margin: 32.05%
ROA (TTM): 0.88%
ROE (TTM): 7.74%
Revenue (TTM): $7.89B
Revenue/Share (TTM): $18.34
Earnings Growth (YOY): 46.80%
Revenue Growth (YOY): 13.80%

Stock Price History

1 Year Price History

2 Years Price History

5 Years Price History

10 Years Price History

Financial Charts

Revenue & Net Income (Yearly)

Revenue & Net Income (Quarterly)

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Yearly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Earnings Per Share (EPS) History

Financial Ratios

Balance Sheet (Yearly)

Financial Ratios

Date Current Ratio Debt/Equity Debt/Assets Interest Coverage Debt/EBITDA
2025-12-31 1.04x 0.35x 0.88x 0.61x 3.44x
2024-12-31 0.25x 0.51x 0.89x 0.41x 5.20x
2023-12-31 0.24x 0.57x 0.89x 0.51x 5.57x
2022-12-31 0.20x 0.31x 0.90x 2.53x 2.29x
2021-12-31 0.24x 0.30x 0.88x 8.78x 1.95x
2020-12-31 156.17x 0.38x 0.88x 1.68x 4.65x
2019-12-31 2,981.44x 0.64x 0.87x 1.43x 4.92x
2018-12-31 77.99x 0.79x 0.87x 1.78x 6.13x
2017-12-31 64.57x 0.69x 0.87x 2.56x 5.81x
2016-12-31 36.63x 0.84x 0.87x 3.02x 8.13x
2015-12-31 40.88x 0.66x 0.86x 2.79x 7.50x
2014-12-31 16.24x 0.60x 0.85x 3.49x 6.96x
2013-12-31 0.25x 0.44x 0.84x -7.83x -2.76x
2012-12-31 0.25x 0.20x 0.81x 1.65x 3.22x
2011-12-31 N/A N/A N/A 0.88x 0.00x

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