Citizens Financial Statements From 2010 to 2026

Citizens Financial Balance Sheet		Trends
Current Value Last Year Historical Average  10 Year Trend Common Stock Shares Outstanding 396.5 M 435.5 M 493.6 M Slightly volatile Total Assets 189.6 B 226.4 B 168 B Slightly volatile Short and Long Term Debt Total 13.7 B 11.3 B 11.6 B Slightly volatile Other Current Liabilities 146.8 B 183.3 B 129.7 B Slightly volatile Total Current Liabilities 149.7 B 183.4 B 132.6 B Slightly volatile Total Stockholder Equity 24.4 B 26.3 B 22.5 B Slightly volatile Property Plant And Equipment Net 810.8 M 915 M 730.3 M Slightly volatile Retained Earnings 6.6 B 11.3 B 6 B Slightly volatile Cash 7.7 B 12.7 B 6.6 B Slightly volatile Non Current Assets Total 33.3 B 35 B 121.1 B Very volatile Non Currrent Assets Other 11.3 B 17.9 B 9.7 B Slightly volatile Cash And Short Term Investments 32.5 B 49.4 B 28.8 B Slightly volatile Net Receivables 149 B 141.9 B 19.6 B Slightly volatile Good Will 6.1 B 7.4 B 7.9 B Slightly volatile Short Term Investments 24.8 B 36.7 B 22.2 B Slightly volatile Liabilities And Stockholders Equity 189.6 B 226.4 B 168 B Slightly volatile Non Current Liabilities Total 15.5 B 16.7 B 12.9 B Slightly volatile Other Stockholder Equity 13.1 B 14.8 B 16.5 B Slightly volatile Total Liabilities 165.2 B 200 B 145.5 B Slightly volatile Total Current Assets 200.9 B 191.3 B 49.5 B Slightly volatile Short Term Debt 55.1 M 58 M 2.7 B Slightly volatile Intangible Assets 109.2 M 115 M 714.7 M Slightly volatile Common Stock 6.8 M 8.1 M 6.2 M Slightly volatile Long Term Debt 11.8 B 9.2 B 9.4 B Slightly volatile Net Invested Capital 36.9 B 35.5 B 31.1 B Slightly volatile Long Term Investments 38.5 B 43.5 B 29.6 B Slightly volatile Property Plant And Equipment Gross 1.8 B 1.7 B 1.6 B Slightly volatile Short and Long Term Debt 2.2 B 2 B 405.8 M Slightly volatile Capital Stock 2.2 B 2.1 B 2 B Slightly volatile
Citizens Financial Income Statement		Trends
Current Value Last Year Historical Average  10 Year Trend Depreciation And Amortization 542.4 M 366 M 492.5 M Slightly volatile Interest Expense 4 B 3.8 B 1.5 B Slightly volatile Selling General Administrative 2.4 B 2.9 B 2.1 B Slightly volatile Selling And Marketing Expenses 131.9 M 169 M 119.5 M Slightly volatile Total Revenue 8.4 B 11.1 B 7.5 B Slightly volatile Gross Profit 6.3 B 7.8 B 5.7 B Slightly volatile Other Operating Expenses 6.7 B 8.8 B 6.1 B Slightly volatile Total Operating Expenses 4.7 B 5.4 B 4.3 B Slightly volatile Tax Provision 509.5 M 497 M 335.2 M Slightly volatile Net Interest Income 6 B 5.9 B 5 B Slightly volatile Interest Income 8.7 B 9.7 B 6.4 B Slightly volatile Net Income From Continuing Ops 1.9 B 1.8 B 1.3 B Slightly volatile Reconciled Depreciation 429.6 M 478 M 554.8 M Slightly volatile
Citizens Financial Cash Flow Statement		Trends
Current Value Last Year Historical Average  10 Year Trend Begin Period Cash Flow 6.6 B 10.6 B 5.9 B Slightly volatile Depreciation 550.6 M 478 M 499.6 M Slightly volatile Capital Expenditures 193.2 M 174 M 246.1 M Slightly volatile Total Cash From Operating Activities 2.2 B 2.2 B 2 B Pretty Stable End Period Cash Flow 7.1 B 12.7 B 6.4 B Slightly volatile Stock Based Compensation 61.4 M 120 M 53 M Slightly volatile Dividends Paid 729.5 M 888 M 606.7 M Slightly volatile
Financial Ratios		Trends
Current Value Last Year Historical Average  10 Year Trend Price To Sales Ratio 2.59 2.2601 2.3528 Slightly volatile Dividend Yield 0.0318 0.0352 0.0359 Slightly volatile PTB Ratio 0.62 0.9574 0.7389 Slightly volatile Days Sales Outstanding 4.9 K 4.6 K 708 Slightly volatile Book Value Per Share 36.78 61.0085 45.0941 Slightly volatile Operating Cash Flow Per Share 3.26 5.1256 4.0483 Slightly volatile Stock Based Compensation To Revenue 0.0056 0.0108 0.0067 Slightly volatile Capex To Depreciation 0.56 0.364 0.536 Slightly volatile PB Ratio 0.62 0.9574 0.7389 Slightly volatile EV To Sales 3.56 2.1305 3.1886 Slightly volatile Sales General And Administrative To Revenue 0.32 0.2626 0.2945 Slightly volatile Capex To Revenue 0.0148 0.0156 0.0381 Slightly volatile Cash Per Share 120 114 63.095 Slightly volatile POCF Ratio 13.82 11.3958 16.3574 Pretty Stable Capex To Operating Cash Flow 0.0748 0.0787 0.1861 Pretty Stable EV To Operating Cash Flow 14.98 10.7422 17.2967 Very volatile Intangibles To Total Assets 0.051 0.0367 0.0517 Slightly volatile Current Ratio 1.1 1.0434 0.3332 Slightly volatile Tangible Book Value Per Share 24.15 41.7627 28.9785 Slightly volatile Receivables Turnover 0.0746 0.0785 3.2699 Slightly volatile Graham Number 45.21 76.3322 51.8469 Slightly volatile Shareholders Equity Per Share 36.78 61.0085 45.0941 Slightly volatile Debt To Equity 0.63 0.4287 0.5322 Slightly volatile Capex Per Share 0.52 0.4034 0.4878 Slightly volatile Revenue Per Share 27.14 25.8435 16.2191 Slightly volatile Interest Debt Per Share 22.98 34.9865 26.1512 Slightly volatile Debt To Assets 0.0821 0.0498 0.0707 Very volatile Short Term Coverage Ratios 40.03 38.1207 7.769 Slightly volatile Operating Cycle 4.9 K 4.6 K 708 Slightly volatile Price Book Value Ratio 0.62 0.9574 0.7389 Slightly volatile Price To Operating Cash Flows Ratio 13.82 11.3958 16.3574 Pretty Stable Effective Tax Rate 0.25 0.2135 0.2415 Slightly volatile Company Equity Multiplier 6.18 8.6009 7.3485 Slightly volatile Long Term Debt To Capitalization 0.23 0.299 0.2543 Slightly volatile Total Debt To Capitalization 0.39 0.3001 0.3337 Slightly volatile Debt Equity Ratio 0.63 0.4287 0.5322 Slightly volatile Quick Ratio 1.1 1.0434 0.3332 Slightly volatile Dividend Paid And Capex Coverage Ratio 2.83 2.0819 2.8269 Slightly volatile Net Income Per E B T 0.62 0.7865 0.7509 Pretty Stable Cash Ratio 0.0382 0.0694 0.0454 Slightly volatile Cash Conversion Cycle 4.9 K 4.6 K 708 Slightly volatile Operating Cash Flow Sales Ratio 0.31 0.1983 0.2872 Slightly volatile Days Of Sales Outstanding 4.9 K 4.6 K 708 Slightly volatile Cash Flow Coverage Ratios 0.2 0.196 0.1985 Slightly volatile Price To Book Ratio 0.62 0.9574 0.7389 Slightly volatile Fixed Asset Turnover 8.19 12.1836 9.9245 Slightly volatile Capital Expenditure Coverage Ratio 8.54 12.7069 10.317 Slightly volatile Price Cash Flow Ratio 13.82 11.3958 16.3574 Pretty Stable Debt Ratio 0.0821 0.0498 0.0707 Very volatile Cash Flow To Debt Ratio 0.2 0.196 0.1985 Slightly volatile Price Sales Ratio 2.59 2.2601 2.3528 Slightly volatile Asset Turnover 0.0353 0.0493 0.0435 Slightly volatile Gross Profit Margin 0.86 0.6975 0.7805 Pretty Stable Price Fair Value 0.62 0.9574 0.7389 Slightly volatile
Citizens Financial Valuation Data		Trends
Current Value Last Year Historical Average  10 Year Trend Market Cap 14.2 B 14.9 B 13.1 B Slightly volatile Enterprise Value 11.6 B 13.1 B 14.3 B Slightly volatile

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When determining whether Citizens Financial is a strong investment it is important to analyze Citizens Financial's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Citizens Financial's future performance. For an informed investment choice regarding Citizens Stock, refer to the following important reports:

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