Citizens Financial Group

CFG • NYSE • Stock Fundamentals

Citizens Financial Group, Inc. is a leading regional financial institution providing a comprehensive suite of retail and commercial banking services. The company delivers financial solutions including lending, deposit products, and wealth management to a diverse client base ranging from individual consumers to large institutional corporations.

Market Cap$25.9B

Revenue TTM$8.5B

Net Income TTM$2.0B

P/E Ratio13.10

Net Margin23.29%

EPS TTM$4.22

Free Cash Flow TTM$2.5B

Employees17.6K

CEOBruce Winfield Van Saun

CountryUnited States of America

Financial Services

Banks - Regional

SegmentsBanks, Regional Banks, Wealth Management

Business ModelsInterest-based lending, Fee-based financial services, Asset management

Most Recent EarningsApr 16, 2026 · 1 month agoQ1 2026

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Next EarningsJul 16, 2026 · in 2 monthsBefore Market Open · Q2 2026

Income Statement Balance Sheet Cash Flow Segments

Financials

Based on Q1 2026 filing

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ROE7.74%

D/E47.26%

Total Debt$12.4B

Cash$12.3B

CapEx TTM$160.0M

Business Segments

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Consumer Banking

primary

Provides a full range of financial products and services to individuals and small businesses. This segment focuses on retail deposit products, mortgage and home equity lending, and wealth management services.

Products

Citizens Wealth Management, Citizens Bank Online, Citizens Mobile Banking, Personal Loans, Mortgages, Home Equity Lines of Credit

Customers

Individuals, Small Businesses

Commercial Banking

primary

Offers a broad array of financial solutions to middle-market companies, large corporations, and institutions. Services include commercial lending, treasury management, and capital markets advisory.

Products

Commercial Loans, Treasury Solutions, Capital Markets Advisory, Institutional Custody Services

Customers

Middle-market companies, Large corporations, Institutional clients

Segment Financials

Consumer Banking — Net Income

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Consumer Banking — Direct expenses

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Consumer Banking — Net Interest Income

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Commercial Banking — Revenue from contracts with customers

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Commercial Banking — Direct expenses

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Commercial Banking — Net Income

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Business Overview

Competitive Position

A major regional bank with a significant presence in the Northeast and Mid-Atlantic regions, competing through a mix of physical branches and national digital platforms.

Geographies

United States

Customer Segments

Retail consumers, Small and medium enterprises, Corporate and institutional

Upstream Dependencies

Federal Reserve System, Depositors, Technology infrastructure providers, Credit rating agencies

Downstream Customers

Homebuyers, Corporate borrowers, Institutional investors, Retail savers

Competitors & Partners

Competitors

M&T Bank

MTB

Regional banking competitor in the Northeast and Mid-Atlantic

PNC Financial Services

PNC

Direct regional banking competitor in similar geographic markets

JPMorgan Chase

JPM

Large national money center bank competitor

Bank of America

BAC

Major national retail and commercial banking competitor

Similar Companies

First Citizens BancShares

FCNCA

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Huntington Bancshares

HBAN

KeyCorp

KEY

Fifth Third Bank

FITB

Truist Financial

TFC

U.S. Bancorp

USB

Wells Fargo & Company

WFC

Capital One Financial

COF

Raymond James Financial

RJF

Subsidiaries

Citizens Bank, N.A.

Primary national banking subsidiary through which most banking operations are conducted