Market Price

34.40 

-0.60 -1.7%

as of Sep 29 '22

52 Week Range:

33.40 49.20


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Citizens 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. The Consumer Banking segment offers deposit products, mortgage and home equity lending products, credit cards, business loans, wealth management, and investment services; and auto, 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. This segment serves government banking, not-for-profit, healthcare, technology, professionals, oil and gas, asset finance, franchise finance, asset-based lending, commercial real estate, private equity, and sponsor finance industries. It operates approximately 1,200 branches in 14 states and the District of Columbia; 114 retail and commercial non-branch offices in national markets; and approximately 3,300 automated teller machines. 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.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Equity (BVPS) 29.21
33.56
36.83
33.90
37.05
42.78
39.17
44.65
growth rate 14.9% 9.7% -8.0% 9.3% 15.5% -8.4% 14.0%
Earnings BIT 1,471.00
1,478.00
1,772.00
2,218.00
growth rate 0.5% 19.9% 25.2%
Avg.PE 18.11
18.23
11.49
8.28
8.28
8.28
8.28
growth rate 0.7% -37.0% -27.9% 0.0% 0.0% 0.0%
ROA 0.51
-2.75
0.68
0.61
0.72
1.09
1.08
1.05
0.54
1.19
growth rate -100.0% 100.0% -10.3% 18.0% 51.4% -0.9% -2.8% -48.6% 120.4%
ROE 2.66
-15.82
4.50
4.31
5.30
8.29
8.46
8.46
4.60
10.48
growth rate -100.0% 100.0% -4.2% 23.0% 56.4% 2.1% 0.0% -45.6% 127.8%
Leverage 5.27
6.36
6.90
7.12
7.67
7.61
8.04
8.03
8.85
8.80
growth rate 20.7% 8.5% 3.2% 7.7% -0.8% 5.7% -0.1% 10.2% -0.6%
Balance Sheet Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Acct.Receivable 6.00
growth rate
Acct.Payable 95,707.00
102,539.00
109,804.00
115,089.00
119,575.00
125,313.00
147,164.00
154,361.00
growth rate 7.1% 7.1% 4.8% 3.9% 4.8% 17.4% 4.9%
Cur.Assets 4,596.00
4,473.00
5,444.00
4,601.00
5,893.00
8,373.00
19,461.00
14,664.00
growth rate -2.7% 21.7% -15.5% 28.1% 42.1% 132.4% -24.7%
Total Assets 132,857.00
138,208.00
149,520.00
152,336.00
160,518.00
165,733.00
183,349.00
188,409.00
growth rate 4.0% 8.2% 1.9% 5.4% 3.3% 10.6% 2.8%
Cash 1,176.00
1,099.00
955.00
987.00
1,081.00
1,286.00
12,733.00
9,158.00
growth rate -6.6% -13.1% 3.4% 9.5% 19.0% 890.1% -28.1%
Inventory 40.00
42.00
49.00
36.00
34.00
45.00
19.00
growth rate 5.0% 16.7% -26.5% -5.6% 32.4% -57.8%
Cur.Liabilities 106,848.00
106,456.00
114,822.00
118,070.00
122,676.00
128,207.00
148,888.00
155,053.00
growth rate -0.4% 7.9% 2.8% 3.9% 4.5% 16.1% 4.1%
Liabilities 113,589.00
118,562.00
129,773.00
132,066.00
139,701.00
143,532.00
160,676.00
164,989.00
growth rate 4.4% 9.5% 1.8% 5.8% 2.7% 11.9% 2.7%
LT Debt 4,642.00
9,886.00
12,790.00
11,765.00
14,433.00
11,547.00
6,993.00
6,668.00
growth rate 113.0% 29.4% -8.0% 22.7% -20.0% -39.4% -4.7%
Equity 19,268.00
19,399.00
19,500.00
20,023.00
19,977.00
20,631.00
20,708.00
21,406.00
growth rate 0.7% 0.5% 2.7% -0.2% 3.3% 0.4% 3.4%
Common Shares 560.00
560.00
560.00
558.00
538.00
524.00
504.00
6.00
6.00
6.00
6.00
growth rate 0.0% 0.0% -0.4% -3.6% -2.6% -3.8% -98.8% 0.0% 0.0% 0.0%
Cash Flow Statement Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Capital Expenditures 141.00
121.00
138.00
253.00
232.00
95.00
118.00
124.00
growth rate -14.2% 14.1% 83.3% -8.3% -59.1% 24.2% 5.1%
Cash Dividends 140.00
221.00
255.00
336.00
485.00
682.00
770.00
783.00
growth rate 57.9% 15.4% 31.8% 44.4% 40.6% 12.9% 1.7%
Cash From OA 1,390.00
1,229.00
1,490.00
1,883.00
1,767.00
1,697.00
111.00
2,275.00
growth rate -11.6% 21.2% 26.4% -6.2% -4.0% -93.5% 1,949.6%
FCF per Share 2.83
1.16
2.37
2.23
1.99
2.26
-0.66
3.83
growth rate -59.0% 104.3% -5.9% -10.8% 13.6% -100.0% 100.0%
Sale Purchase of Stock -334.00
-253.00
-430.00
-820.00
growth rate 0.0% 0.0% 0.0%
FCF 2,111.00
1,343.00
2,281.00
1,079.00
930.00
1,187.00
1,443.00
1,282.00
1,331.00
-7.00
2,151.00
growth rate -36.4% 69.8% -52.7% -13.8% 27.6% 21.6% -11.2% 3.8% -100.0% 100.0%
Income Statement Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Sales 4,367.00
4,522.00
4,886.00
5,386.00
5,802.00
6,098.00
5,289.00
7,058.00
growth rate 3.6% 8.1% 10.2% 7.7% 5.1% -13.3% 33.5%
Op.Income 1,231.00
1,409.00
1,704.00
1,912.00
2,183.00
2,251.00
1,298.00
2,977.00
growth rate 14.5% 20.9% 12.2% 14.2% 3.1% -42.3% 129.4%
IBT 1,268.00
1,263.00
1,534.00
1,912.00
2,183.00
2,251.00
1,298.00
2,977.00
growth rate -0.4% 21.5% 24.6% 14.2% 3.1% -42.3% 129.4%
Net Income 865.00
840.00
1,045.00
1,652.00
1,721.00
1,791.00
1,057.00
2,319.00
growth rate -2.9% 24.4% 58.1% 4.2% 4.1% -41.0% 119.4%
EPS 0.90
1.15
-6.12
1.55
1.55
1.97
3.25
3.52
3.81
2.22
5.16
growth rate 27.8% -100.0% 100.0% 0.0% 27.1% 65.0% 8.3% 8.2% -41.7% 132.4%
Gross Profit 4,367.00
4,522.00
4,886.00
5,386.00
5,802.00
6,098.00
5,289.00
7,058.00
growth rate 3.6% 8.1% 10.2% 7.7% 5.1% -13.3% 33.5%

Quarterly Statements

Item Name Jun '21 Sep '21 Dec '21 Mar '22 Jun '22
Earnings BIT
growth rate
Balance Sheet Jun '21 Sep '21 Dec '21 Mar '22 Jun '22
Acct.Receivable
growth rate
Acct.Payable 150,636.00
152,221.00
154,361.00
158,776.00
178,925.00
growth rate 1.1% 1.4% 2.9% 12.7%
Cur.Assets 18,916.00
19,561.00
14,664.00
14,112.00
12,122.00
growth rate 3.4% -25.0% -3.8% -14.1%
Total Assets 185,104.00
187,007.00
188,409.00
192,097.00
226,712.00
growth rate 1.0% 0.8% 2.0% 18.0%
Cash 12,641.00
13,716.00
9,158.00
9,936.00
6,514.00
growth rate 8.5% -33.2% 8.5% -34.4%
Inventory 15.00
growth rate
Cur.Liabilities 152,607.00
154,343.00
155,053.00
159,436.00
183,692.00
growth rate 1.1% 0.5% 2.8% 15.2%
Liabilities 161,905.00
163,584.00
164,989.00
170,023.00
202,384.00
growth rate 1.0% 0.9% 3.1% 19.0%
LT Debt 5,192.00
5,020.00
6,668.00
5,894.00
14,440.00
growth rate -3.3% 32.8% -11.6% 145.0%
Equity 21,185.00
21,409.00
21,406.00
20,060.00
22,314.00
growth rate 1.1% 0.0% -6.3% 11.2%
Common Shares 6.00
6.00
6.00
6.00
6.00
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Jun '21 Sep '21 Dec '21 Mar '22 Jun '22
Capital Expenditures 22.00
27.00
65.00
51.00
growth rate 22.7% 140.7% -21.5%
Cash Dividends 191.00
200.00
193.00
198.00
growth rate 4.7% -3.5% 2.6%
Cash From OA 580.00
1,280.00
1,105.00
1,554.00
growth rate 120.7% -13.7% 40.6%
Sale Purchase of Stock
growth rate
FCF 558.00
1,253.00
1,040.00
1,503.00
growth rate 124.6% -17.0% 44.5%
Income Statement Jun '21 Sep '21 Dec '21 Mar '22 Jun '22
Sales 1,822.00
1,692.00
1,745.00
1,642.00
1,928.00
growth rate -7.1% 3.1% -5.9% 17.4%
Op.Income 831.00
681.00
684.00
536.00
748.00
growth rate -18.1% 0.4% -21.6% 39.6%
IBT 831.00
681.00
684.00
536.00
478.00
growth rate -18.1% 0.4% -21.6% -10.8%
Net Income 648.00
530.00
530.00
420.00
364.00
growth rate -18.2% 0.0% -20.8% -13.3%
Gross Profit 1,822.00
1,692.00
1,745.00
1,642.00
1,928.00
growth rate -7.1% 3.1% -5.9% 17.4%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

C (56.87)

YOY Growth Grade:

E (19.82)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 11.64 11.64 8.06
EPS / Growth 27.4% 2.96 -2.8%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 2.0%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 1.5% 1.5%
Future PE 2.00 7.58 7.58
Future EPS 3.26 3.44 3.44
Value Price
MOS %
1.61
-95.3%
6.44
-81.3%
6.44
-81.3%
MOS Price 0.81 3.22 3.22
IRT 10.96 10.65 10.65

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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