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Citizens Financial Group (CFG)

(Delayed Data from NYSE)

$45.81 USD

-0.22 (-0.48%)

Updated Nov 8, 2024 04:00 PM ET

After-Market: $45.83 +0.02 (0.04%) 7:58 PM ET

Zacks Rank:

This is our short term rating system that serves as a timeliness indicator for stocks over the next 1 to 3 months. How good is it? See rankings and related performance below.

Zacks Rank	Definition	Annualized Return
1	Strong Buy	24.10%
2	Buy	17.80%
3	Hold	9.50%
4	Sell	2.70%
5	Strong Sell	2.70%
S&P	500	11.20%

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3-Hold of 5 3

Style Scores:

The Style Scores are a complementary set of indicators to use alongside the Zacks Rank. It allows the user to better focus on the stocks that are the best fit for his or her personal trading style.

The scores are based on the trading styles of Value, Growth, and Momentum. There's also a VGM Score ('V' for Value, 'G' for Growth and 'M' for Momentum), which combines the weighted average of the individual style scores into one score.

Value Score	A
Growth Score	A
Momentum Score	A
VGM Score	A

Within each Score, stocks are graded into five groups: A, B, C, D and F. As you might remember from your school days, an A, is better than a B; a B is better than a C; a C is better than a D; and a D is better than an F.

As an investor, you want to buy stocks with the highest probability of success. That means you want to buy stocks with a Zacks Rank #1 or #2, Strong Buy or Buy, which also has a Score of an A or a B in your personal trading style.

Zacks Style Scores Education - Learn more about the Zacks Style Scores

B Value F Growth F Momentum D VGM

Industry Rank:

Top 4% (9 out of 251)

Industry: Financial - Savings and Loan

View All Zacks #1 Ranked Stocks

Research for CFG

Annual Key Company Metrics
Quarterly Key Company Metrics

Income - Line of Business	YR Estimate	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019
Net Interest Income (FTE) [$M]		6,258	6,023	4,521	4,599	4,635
Total Noninterest Income [$M]		1,983	2,009	2,135	2,319	1,877
Net Interest Income [$M]		6,241	6,012	4,512	4,586	4,614
Service charges and fees [$M]		410	420	409	403	505
Capital markets fees [$M]		319	368	428	250	216
Card fees [$M]		296	273	250	217	254
Trust and investment services fee...		259	249	239	203	202
Mortgage banking fees [$M]		242	261	434	915	302
Foreign exchange and derivative p...		183	188	120	120	155
Letter of credit and loan fees [$...		168	159	156	140	135
Securities gains, net [$M]		28	9	10	4	19
Other Income [$M]		78	82	89	67	89
NFM - Operating & Non Financial Metrics	YR Estimate	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019
Efficiency Ratio [%]		67	61	61	59	59
Net Interest Margin [%]		3	3	-3	-3	3
Net charge-offs as a % of average...		0	0	0	1	0
Nonaccrual loans and leases [$M]		1,364	944	702	1,019	703
Nonaccrual loans and leases and r...		1,378	960	724	1,081	728
Average Balances - Total interest...		201,686	194,136	166,511	159,275	146,814
Net charge-offs [$M]		609	270	325	693	430
Return on average common equity [...		7	9	10	5	8
Return on average total assets [%...		1	1	1	1	1
Book value per common share [$]		48	44	51	48	48
Tangible book value per common sh...		31	28	35	33	32
Tier 1 Leverage Ratio [%]		9	9	10	9	10
Common Equity Tier 1 Capital Rati...		11	10	10	10	10
Tier 1 Capital Ratio [%]		12	11	11	11	11
Total Capital Ratio [%]		14	13	13	13	13

Income - Line of Business	Qtr Estimate	09/30/2024	06/30/2024	03/31/2024	12/31/2023	09/30/2023
Net Interest Income (FTE) [$M]		1,373	1,415	1,446	1,492	1,526
Total Noninterest Income [$M]		532	553	517	500	492
Net Interest Income [$M]		1,369	1,410	1,442	1,488	1,522
Service charges and fees [$M]		109	106	96	104	105
Capital markets fees [$M]		94	134	118	87	67
Card fees [$M]		93	92	86	70	74
Trust and investment services fee...		76	75	68	68	63
Mortgage banking fees [$M]		46	54	49	57	69
Foreign exchange and derivative p...		36	39	36	43	48
Letter of credit and loan fees [$...		45	43	42	42	43
Securities gains, net [$M]		9	--	5	9	5
Other Income [$M]		24	10	17	20	18
NFM - Operating & Non Financial Metrics	Qtr Estimate	09/30/2024	06/30/2024	03/31/2024	12/31/2023	09/30/2023
Efficiency Ratio [%]		66	66	69	81	64
Net Interest Margin [%]		3	3	3	3	3
Net charge-offs as a % of average...		1	1	1	0	0
Nonaccrual loans and leases [$M]		1,687	1,527	1,469	1,364	1,296
Nonaccrual loans and leases and r...		1,701	1,540	1,483	1,378	1,311
Average Balances - Total interest...		197,164	198,465	200,068	203,121	199,594
Net charge-offs [$M]		192	184	181	171	153
Return on average common equity [...		6	7	6	3	8
Return on average total assets [%...		1	1	1	0	1
Book value per common share [$]		51	48	47	48	45
Tangible book value per common sh...		34	31	30	31	28
Tier 1 Leverage Ratio [%]		9	9	9	9	9
Common Equity Tier 1 Capital Rati...		11	11	11	11	10
Tier 1 Capital Ratio [%]		12	12	12	12	12
Total Capital Ratio [%]		14	14	14	14	13

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