Citizens Financial Group Net Income
| CFG Stock | USD 63.49 0.57 0.91% |
As of the 30th of January, Citizens Financial shows the Downside Deviation of 1.24, risk adjusted performance of 0.1542, and Mean Deviation of 1.09. Citizens Financial technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices. Please confirm Citizens Financial treynor ratio, as well as the relationship between the potential upside and expected short fall to decide if Citizens Financial is priced correctly, providing market reflects its regular price of 63.49 per share. Given that Citizens Financial has jensen alpha of 0.2482, we suggest you to validate Citizens Financial Group's prevailing market performance to make sure the company can sustain itself at a future point.
Citizens Financial Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 4.9249 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 1.7 B | 1.1 B | |
| Net Income Applicable To Common Shares | 1.7 B | 1.5 B | |
| Net Income From Continuing Ops | 1.7 B | 1.6 B | |
| Net Income Per Share | 4.24 | 4.46 | |
| Net Income Per E B T | 0.79 | 0.62 |
Citizens | Net Income | Build AI portfolio with Citizens Stock |
The Net Income trend for Citizens Financial Group offers valuable insights into the company's financial trajectory and strategic direction. By examining multi-year patterns, investors can identify whether Citizens Financial is strengthening or weakening its position, and how this metric correlates with broader market conditions and industry benchmarks.
Latest Citizens Financial's Net Income Growth Pattern
Below is the plot of the Net Income of Citizens Financial Group over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in Citizens Financial financial statement analysis. It represents the amount of money remaining after all of Citizens Financial Group operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is Citizens Financial's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Citizens Financial's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 1.51 B | 10 Years Trend |
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Net Income |
| Timeline |
Citizens Net Income Regression Statistics
| Arithmetic Mean | 1,042,107,451 | |
| Coefficient Of Variation | 122.41 | |
| Mean Deviation | 743,369,965 | |
| Median | 1,175,826,666 | |
| Standard Deviation | 1,275,634,435 | |
| Sample Variance | 1627243.2T | |
| Range | 5.7B | |
| R-Value | 0.53 | |
| Mean Square Error | 1251608.4T | |
| R-Squared | 0.28 | |
| Significance | 0.03 | |
| Slope | 133,410,817 | |
| Total Sum of Squares | 26035891.4T |
Citizens Net Income History
Other Fundumenentals of Citizens Financial
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
Citizens Financial Net Income component correlations
Citizens Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for Citizens Financial is extremely important. It helps to project a fair market value of Citizens Stock properly, considering its historical fundamentals such as Net Income. Since Citizens Financial's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Citizens Financial's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Citizens Financial's interrelated accounts and indicators.
Click cells to compare fundamentals
Can Regional Banks industry sustain growth momentum? Does Citizens have expansion opportunities? Factors like these will boost the valuation of Citizens Financial. Projected growth potential of Citizens fundamentally drives upward valuation adjustments. Determining accurate worth demands scrutiny of both present operating results and projected expansion capacity. Evaluating Citizens Financial demands reviewing these metrics collectively while recognizing certain factors exert disproportionate influence.
Quarterly Earnings Growth 0.359 | Dividend Share 1.72 | Earnings Share 3.86 | Revenue Per Share | Quarterly Revenue Growth 0.107 |
Investors evaluate Citizens Financial using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating Citizens Financial's intrinsic value—the estimated true worth—helps identify when the stock trades at a discount or premium to fair value. Market participants employ diverse analytical approaches to determine fair value and identify buying opportunities when prices dip below calculated worth. External factors like market trends, sector rotation, and investor psychology can cause Citizens Financial's market price to deviate significantly from intrinsic value.
It's important to distinguish between Citizens Financial's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Citizens Financial should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Conversely, Citizens Financial's market price signifies the transaction level at which participants voluntarily complete trades.
Citizens Financial 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Citizens Financial's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Citizens Financial.
| 11/01/2025 |
| 01/30/2026 |
If you would invest 0.00 in Citizens Financial on November 1, 2025 and sell it all today you would earn a total of 0.00 from holding Citizens Financial Group or generate 0.0% return on investment in Citizens Financial over 90 days. Citizens Financial is related to or competes with PNC Financial, Regions Financial, Fifth Third, Comerica Incorporated, Huntington Bancshares, MT Bank, and First Horizon. Citizens Financial Group, Inc. operates as the bank holding company for Citizens Bank, National Association that provide... More
Citizens Financial Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Citizens Financial's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Citizens Financial Group upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.24 | |||
| Information Ratio | 0.1661 | |||
| Maximum Drawdown | 9.61 | |||
| Value At Risk | (1.80) | |||
| Potential Upside | 2.8 |
Citizens Financial Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Citizens Financial's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Citizens Financial's standard deviation. In reality, there are many statistical measures that can use Citizens Financial historical prices to predict the future Citizens Financial's volatility.| Risk Adjusted Performance | 0.1542 | |||
| Jensen Alpha | 0.2482 | |||
| Total Risk Alpha | 0.202 | |||
| Sortino Ratio | 0.2117 | |||
| Treynor Ratio | 0.2462 |
Citizens Financial January 30, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.1542 | |||
| Market Risk Adjusted Performance | 0.2562 | |||
| Mean Deviation | 1.09 | |||
| Semi Deviation | 0.8949 | |||
| Downside Deviation | 1.24 | |||
| Coefficient Of Variation | 487.93 | |||
| Standard Deviation | 1.58 | |||
| Variance | 2.49 | |||
| Information Ratio | 0.1661 | |||
| Jensen Alpha | 0.2482 | |||
| Total Risk Alpha | 0.202 | |||
| Sortino Ratio | 0.2117 | |||
| Treynor Ratio | 0.2462 | |||
| Maximum Drawdown | 9.61 | |||
| Value At Risk | (1.80) | |||
| Potential Upside | 2.8 | |||
| Downside Variance | 1.53 | |||
| Semi Variance | 0.8008 | |||
| Expected Short fall | (1.27) | |||
| Skewness | 1.24 | |||
| Kurtosis | 5.09 |
Citizens Financial Backtested Returns
Citizens Financial appears to be very steady, given 3 months investment horizon. Citizens Financial secures Sharpe Ratio (or Efficiency) of 0.23, which signifies that the company had a 0.23 % return per unit of risk over the last 3 months. We have found thirty technical indicators for Citizens Financial Group, which you can use to evaluate the volatility of the firm. Please makes use of Citizens Financial's Risk Adjusted Performance of 0.1542, downside deviation of 1.24, and Mean Deviation of 1.09 to double-check if our risk estimates are consistent with your expectations. On a scale of 0 to 100, Citizens Financial holds a performance score of 18. The firm shows a Beta (market volatility) of 1.27, which signifies a somewhat significant risk relative to the market. As the market goes up, the company is expected to outperform it. However, if the market returns are negative, Citizens Financial will likely underperform. Please check Citizens Financial's expected short fall, day median price, and the relationship between the potential upside and accumulation distribution , to make a quick decision on whether Citizens Financial's price patterns will revert.
Auto-correlation | 0.77 |
Good predictability
Citizens Financial Group has good predictability. Overlapping area represents the amount of predictability between Citizens Financial time series from 1st of November 2025 to 16th of December 2025 and 16th of December 2025 to 30th of January 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Citizens Financial price movement. The serial correlation of 0.77 indicates that around 77.0% of current Citizens Financial price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.77 | |
| Spearman Rank Test | 0.72 | |
| Residual Average | 0.0 | |
| Price Variance | 3.17 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Citizens Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, Citizens Financial Group reported net income of 1.51 B. This is 18.13% higher than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 164.28% lower than that of the firm.
Citizens Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Citizens Financial's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Citizens Financial could also be used in its relative valuation, which is a method of valuing Citizens Financial by comparing valuation metrics of similar companies.Citizens Financial is currently under evaluation in net income category among its peers.
Citizens Financial ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Citizens Financial's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Citizens Financial's managers, analysts, and investors.Environmental | Governance | Social |
Citizens Financial Institutional Holders
Institutional Holdings refers to the ownership stake in Citizens Financial that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of Citizens Financial's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Citizens Financial's value.| Shares | Nordea Investment Mgmt Bank Demark A/s | 2025-06-30 | 6.4 M | Aqr Capital Management Llc | 2025-06-30 | 6.1 M | Capital Research & Mgmt Co - Division 3 | 2025-06-30 | 5.9 M | Norges Bank | 2025-06-30 | 5.7 M | Royal Bank Of Canada | 2025-06-30 | 5.4 M | Goldman Sachs Group Inc | 2025-06-30 | 5 M | Bank Of America Corp | 2025-06-30 | 5 M | Dimensional Fund Advisors, Inc. | 2025-06-30 | 4.9 M | Northern Trust Corp | 2025-06-30 | 4.7 M | Vanguard Group Inc | 2025-06-30 | 51.5 M | Blackrock Inc | 2025-06-30 | 46.9 M |
Citizens Fundamentals
| Return On Equity | 0.0724 | |||
| Return On Asset | 0.0083 | |||
| Profit Margin | 0.24 % | |||
| Operating Margin | 0.34 % | |||
| Current Valuation | 26.71 B | |||
| Shares Outstanding | 429.24 M | |||
| Shares Owned By Insiders | 0.74 % | |||
| Shares Owned By Institutions | 98.59 % | |||
| Number Of Shares Shorted | 16.78 M | |||
| Price To Earning | 11.73 X | |||
| Price To Book | 1.12 X | |||
| Price To Sales | 3.54 X | |||
| Revenue | 11.15 B | |||
| Gross Profit | 7.64 B | |||
| EBITDA | 2.69 B | |||
| Net Income | 1.51 B | |||
| Cash And Equivalents | 9.77 B | |||
| Cash Per Share | 19.71 X | |||
| Total Debt | 11.28 B | |||
| Debt To Equity | 6.04 % | |||
| Book Value Per Share | 56.39 X | |||
| Cash Flow From Operations | 2 B | |||
| Short Ratio | 4.06 X | |||
| Earnings Per Share | 3.86 X | |||
| Price To Earnings To Growth | 0.26 X | |||
| Target Price | 71.68 | |||
| Number Of Employees | 17.4 K | |||
| Beta | 1.09 | |||
| Market Capitalization | 27.02 B | |||
| Total Asset | 226.35 B | |||
| Retained Earnings | 11.35 B | |||
| Annual Yield | 0.03 % | |||
| Five Year Return | 3.60 % | |||
| Net Asset | 226.35 B | |||
| Last Dividend Paid | 1.72 |
About Citizens Financial Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Citizens Financial Group's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Citizens Financial using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Citizens Financial Group based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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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:Check out You can also try the Content Syndication module to quickly integrate customizable finance content to your own investment portal.
Can Regional Banks industry sustain growth momentum? Does Citizens have expansion opportunities? Factors like these will boost the valuation of Citizens Financial. Projected growth potential of Citizens fundamentally drives upward valuation adjustments. Determining accurate worth demands scrutiny of both present operating results and projected expansion capacity. Evaluating Citizens Financial demands reviewing these metrics collectively while recognizing certain factors exert disproportionate influence.
Quarterly Earnings Growth 0.359 | Dividend Share 1.72 | Earnings Share 3.86 | Revenue Per Share | Quarterly Revenue Growth 0.107 |
Investors evaluate Citizens Financial using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating Citizens Financial's intrinsic value—the estimated true worth—helps identify when the stock trades at a discount or premium to fair value. Market participants employ diverse analytical approaches to determine fair value and identify buying opportunities when prices dip below calculated worth. External factors like market trends, sector rotation, and investor psychology can cause Citizens Financial's market price to deviate significantly from intrinsic value.
It's important to distinguish between Citizens Financial's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Citizens Financial should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Conversely, Citizens Financial's market price signifies the transaction level at which participants voluntarily complete trades.