OakChart

Citizens Financial Group Inc

CFGFinancial·Banks - Regional·USA·Large·NYSE·Nov 11 • 1:10 PM ET

65.58+0.76 (1.17%)
2026-11-11 19:10 CET
Market cap
27,172.22 USD m
Revenue, TTM
- USD m
Net income, TTM
2,126.00 USD m
Free cash flow, TTM
1,093.00 USD m
EPS diluted, TTM
4.96
P/E
13.23
Compare

Price

CFG against its 20, 50 and 200-day averages
2050200beat
60.0065.0070.0075.004.9M9.8MMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26CFGclose 65.5820-day 64.6250-day 65.65200-day 65.6965.5852w high

12.9% under the 52-week high of 75.33 on 17 Aug 2026. 52-week low 49.00 on 18 Nov 2025. Last 15 sessions, 7.1% high to low

Profile

CFG
52-week range, 63% of the way up
49.0075.33

Citizens Financial Group, Inc. engages in the provision of commercial banking services. It operates through the Consumer Banking and Commercial Banking segments. The Consumer Banking segment includes deposit products, mortgage and home equity lending, student loans, auto financing, credit cards, business loans, and wealth management and investment services. The Commercial Banking segment offers lending and leasing, trade financing, deposit and treasury management, foreign exchange and interest rate risk management, corporate finance, and debt, and equity capital markets. The company was founded in 1828 and is headquartered in Providence, RI.

IndexS&P 500, RUI
Employees17398
IPOSep 24, 2014
Beta1.09
ATR, 14d1.58
Rel volume0.86
Short float3.80%
Insider own0.89%
Inst own100.31%

Snapshot

6 groups

Valuation

IndexS&P 500, RUI
Market Cap27.49B
Enterprise Value-
Income2.13B
Sales12.49B
Book/sh54.49
Cash/sh-
Dividend Est.1.89 (2.89%)
Dividend TTM1.90 (2.90%)
Dividend Ex-DateOct 30, 2026
Dividend Gr. 3/5Y2.02% 1.97%
Payout44.52%
Employees17398
IPOSep 24, 2014

Ratios

P/E13.23
Forward P/E10.11
PEG0.41
P/S2.20
P/B1.20
P/C-
P/FCF25.15
EV/EBITDA-
EV/Sales-
Quick Ratio-
Current Ratio0.10
Debt/Eq0.71
LT Debt/Eq0.68
Option/ShortYes / Yes

Earnings

EPS (ttm)4.96
EPS next Y6.48
EPS next Q1.48
EPS this Y37.67%
EPS next Y22.03%
EPS next 5Y24.72%
EPS past 3/5Y-1.98% 11.73%
Sales past 3/5Y9.06% 9.35%
EPS Y/Y TTM39.34%
Sales Y/Y TTM3.81%
EPS Q/Q34.10%
Sales Q/Q8.18%
EarningsOct 16 BMO
EPS/Sales Surpr.1.55% -0.73%

Ownership

Insider Own0.89%
Insider Trans-3.50%
Inst Own100.31%
Inst Trans0.21%
ROA0.99%
ROE8.90%
ROIC5.38%
Gross Margin-
Oper. Margin23.10%
Profit Margin17.02%
SMA201.49%
SMA50-0.10%
SMA200-0.16%
Trades-

Technical

Shs Outstand421.22M
Shs Float415.45M
Short Float3.80%
Short Ratio3.90
Short Interest15.79M
52W High75.33 -12.94%
52W Low49.00 33.84%
Volatility3.21% 2.35%
ATR (14)1.58
RSI (14)53.18
Beta1.09
Rel Volume0.86
Avg Volume4.05M
Volume2,027,074

Performance

Perf Week-0.49%
Perf Month3.60%
Perf Quarter-11.51%
Perf Half Y8.52%
Perf YTD12.28%
Perf Year25.54%
Perf 3Y160.55%
Perf 5Y33.51%
Perf 10Y119.70%
Recom1.41
Target Price76.28
Prev Close64.82
Price65.58
Change %1.17%

Analyst ratings

latest 10 of 20
DateActionAnalystRating changeTargetImplied
Oct 08, 2026ResumedTTD CowenBuy$75+14.4%
Oct 07, 2026ResumedRRaymond JamesStrong Buy$77+17.4%
Jul 06, 2026DowngradeRRobert W. BairdOutperform → Neutral$72+9.8%
Jun 15, 2026ResumedSStephensEqual-Weight
Mar 09, 2026UpgradeRRobert W. BairdNeutral → Outperform$65-0.9%
Jan 07, 2026DowngradeRRaymond JamesStrong Buy → Outperform$66+0.6%
Jan 05, 2026UpgradeBBarclaysEqual Weight → Overweight$77+17.4%
Dec 11, 2025DowngradeRRobert W. BairdOutperform → Neutral$60-8.5%
Oct 09, 2025UpgradeBBofA SecuritiesNeutral → Buy$65-0.9%
Sep 29, 2025UpgradeMMorgan StanleyEqual-Weight → Overweight$71+8.3%

Peers

Mkt cap
TickerCompanyMkt cap
MTBM & T Bank Corp31.63B
FITBFifth Third Bancorp49.06B
HBANHuntington Bancshares Inc32.09B
KEYKeycorp22.61B
PNCPNC Financial Services Group Inc92.27B
RFRegions Financial Corp24.31B
TFCTruist Financial Corp60.24B
USBU.S. Bancorp94.61B
FCNCAFirst Citizens Bancshares Inc (NC)25.58B
BACBank Of America Corp349.84B

Insider trading

10 filings
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
VAN SAUN BRUCEChairman and CEOJul 24 '26Sale72.07129,3699,323,6241,140,763Jul 28 04:30 PM
VAN SAUN BRUCEOfficerJul 24 '26Proposed Sale72.07129,3699,323,229Jul 24 04:31 PM
Citizens Bank, National Associ10% OwnerJul 20 '26Proposed Sale72.0037,2612,682,792Jul 20 12:17 PM
HANKOWSKY WILLIAM PFormer DirectorJun 10 '26Proposed Sale66.5021,2311,411,862Jun 10 11:25 AM
Moosally MichelleChief Legal OfficerMay 12 '26Sale62.166,050376,06822,565May 14 04:20 PM
Moosally MichelleOfficerMay 12 '26Proposed Sale62.166,050376,068May 12 03:06 PM
MCCREE DONALD H IIIOfficerApr 23 '26Proposed Sale65.5146,9803,077,584Apr 23 05:33 PM
LaMonica SusanChief Human Resources OfficerMar 11 '26Sale58.0413,258769,494165,971Mar 12 04:27 PM
Citizens Bank, National Associ10% OwnerFeb 06 '26Proposed Sale65.0027,6001,794,000Feb 06 12:21 PM
Citizens Bank, National Associ10% OwnerDec 05 '25Proposed Sale55.9830,6681,716,795Dec 05 02:01 PM

Held by

AUM
TickerCompanyAUM
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
VOOVanguard S&P 500 ETFAUM: 1054.75B
VOVanguard Morningstar Mid-Cap ETFAUM: 107.07B
IVViShares Core S&P 500 ETFAUM: 871.38B
SPYSPDR S&P 500 ETF TrustAUM: 793.23B
VTVVanguard Morningstar Value ETFAUM: 196.23B
DVYiShares Select Dividend ETFAUM: 23.68B
KBWBInvesco KBW Bank ETFAUM: 6.81B
RSPInvesco S&P 500 Equal Weight ETFAUM: 104.94B
XLFState Street Financial Select Sector SPDR ETFAUM: 54.05B

News

latest 14 of 200

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-10-161.4101.3891.4102,3222,33919
2026Q22026-07-161.3001.2411.2982,2832,25115
2026Q12026-04-161.1301.0911.1262,1682,16416
2025Q42026-01-211.1301.1021.1272,1572,15020
2025Q32025-10-151.0501.0281.0492,1182,10020
2025Q22025-07-170.9200.8830.9212,0372,01019
2025Q12025-04-160.7700.7490.7691,9351,93717
2024Q42025-01-170.8300.8240.8251,9761,96117
2024Q32024-10-160.7700.7910.7651,9031,93618
2024Q22024-07-170.7800.7850.7821,9591,94719
2024Q12024-04-170.6500.7120.6561,9561,95718
2023Q42024-01-170.3400.6010.3401,9881,99918
2023Q32023-10-180.8500.9080.8492,0142,04218
2023Q22023-07-190.9200.9990.9232,0942,09719
2023Q12023-04-191.0001.1181.0012,1282,14417
2022Q42023-01-171.2501.3061.2532,2002,22319

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2018FY3.5203.5133.5226,1336,131
2019FY3.8103.7843.8086,4916,485
2020FY2.2202.1232.2196,9056,905
2021FY5.1605.1305.1616,6476,601
2022FY4.1004.2644.1028,0528,052
2023FY3.1303.4313.1288,2248,237
2024FY3.0303.0263.0257,7947,786
2025FY3.8603.8373.8608,2478,241
2026FY-5.314--9,174
2027FY-6.485--9,980
2028FY-7.489--10,599
2029FY-5.740---

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-10-3016002,3982,3842,415
2026Q4S2026-10-2916002,3982,3842,415
2026Q4S2026-10-2316002,3992,3862,415
2026Q4S2026-10-1916002,3992,3862,415
2026Q4S2026-10-1616002,3992,3862,415
2026Q4S2026-10-1116102,3992,3752,424
2026Q4S2026-10-0916202,3992,3752,424
2026Q4S2026-10-0715202,3992,3752,424
2026Q4S2026-10-0615202,3982,3752,424
2026Q4S2026-10-0514202,3962,3752,423
2026Q4S2026-10-0213202,3962,3752,423
2026Q4S2026-10-0113202,3972,3752,423
2026Q4S2026-09-3013102,3962,3752,423
2026Q4S2026-09-2913102,3952,3752,423

Estimate history

EPS, annual3.2523.5223.8082.2195.1614.1023.1283.0253.8644.958
Period201720182019202020212022202320242025TTM
EPS, quarterly0.7650.8250.7690.9211.0491.1271.1261.2981.407
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual63897205815077187211930412192122911206812494
Period201720182019202020212022202320242025TTM
Sales, quarterly310430362899305630453066297731573294
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual490.813466.008433.121427.21422.137492.282466.418440.543429.242421.22
Period201720182019202020212022202320242025MRQ
Shares, quarterly445.217440.543437.668432.769431.453429.242426.024422.678421.22
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Interest Income10,030.009,663.0010,186.0010,204.007,060.004,851.005,357.006,189.005,758.00
Total Interest Expense3,625.003,810.004,553.003,963.001,048.00339.00771.001,575.001,226.00
Net Interest Income6,405.005,853.005,633.006,241.006,012.004,512.004,586.004,614.004,532.00
Loan Loss Provision536.00608.00687.00687.00474.00-411.001,616.00393.00326.00
Net Interest Income After Loan Loss Provision5,869.005,245.004,946.005,554.005,538.004,923.002,970.004,221.004,206.00
Non-Interest Income2,464.002,405.002,105.001,988.002,244.002,360.002,361.001,961.001,447.00
Non-Interest Expense5,447.005,322.005,163.005,354.004,780.004,153.003,548.003,584.003,467.00
Operating Income2,886.002,328.001,888.002,188.003,002.003,130.001,783.002,598.002,186.00
Unusual Expense0.000.000.000.000.000.000.002.003.00
Net Income Before Taxes2,886.002,328.001,888.002,030.002,655.002,977.001,298.002,251.002,183.00
Income Taxes618.00497.00379.00422.00582.00658.00241.00460.00462.00
Consolidated Net Income2,268.001,831.001,509.001,608.002,073.002,319.001,057.001,791.001,721.00
Net Income From Continuing Operations2,268.001,831.001,509.001,608.002,073.002,319.001,057.001,791.001,721.00
Net Income2,126.001,688.001,372.001,491.001,960.002,206.00950.001,718.001,692.00
EPS (Recurring)4.993.863.033.134.105.162.223.813.53
EPS (Basic, Before Extraordinaries)5.013.903.043.144.125.182.223.823.53
EPS (Diluted)4.963.863.033.134.105.162.223.813.52
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.000.00
Stock Option Compensation Expense82.1666.3671.1063.9966.3643.0740.0029.9324.60
Price To Earnings Ratio13.0713.0717.228.239.849.1616.1210.668.43
Price To Sales Ratio2.172.111.611.302.022.801.982.251.98
Operating Margin23.1019.2915.3617.9532.2743.4123.1031.8830.34
Net Margin17.0213.9911.1612.2321.0730.5912.3121.0823.48
Shares Outstanding421.22429.24440.54466.42492.28422.14427.21433.12466.01
Market Capitalization27,172.2227,172.2219,285.0815,450.6319,389.3720,137.9515,272.1317,653.9413,911.02

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Interest Income2,621.002,543.002,420.002,446.002,458.002,407.002,352.002,462.00
Total Interest Expense946.00912.00858.00909.00970.00970.00961.001,050.00
Net Interest Income1,675.001,631.001,562.001,537.001,488.001,437.001,391.001,412.00
Loan Loss Provision125.00134.00140.00137.00154.00164.00153.00162.00
Net Interest Income After Loan Loss Provision1,550.001,497.001,422.001,400.001,334.001,273.001,238.001,250.00
Non-Interest Income673.00614.00557.00620.00587.00649.00547.00574.00
Non-Interest Expense1,419.001,356.001,329.001,343.001,292.001,368.001,317.001,316.00
Operating Income804.00755.00650.00677.00629.00554.00468.00508.00
Unusual Expense0.000.000.000.000.000.000.000.00
Net Income Before Taxes804.00755.00650.00677.00629.00554.00468.00508.00
Income Taxes168.00168.00133.00149.00135.00118.0095.00107.00
Consolidated Net Income636.00587.00517.00528.00494.00436.00373.00401.00
Net Income From Continuing Operations636.00587.00517.00528.00494.00436.00373.00401.00
Net Income599.00554.00484.00489.00457.00402.00340.00367.00
EPS (Recurring)1.411.301.131.131.050.920.770.83
EPS (Basic, Before Extraordinaries)1.421.311.141.141.060.930.780.83
EPS (Diluted)1.411.301.131.131.050.920.770.82
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense13.4337.1314.2217.3816.5933.1824.4926.07
Price To Earnings Ratio13.0716.5915.5116.3916.2114.2513.5317.22
Price To Sales Ratio2.172.442.122.101.921.621.491.56
Operating Margin24.4123.9221.8322.0820.6618.1316.1416.73
Net Margin18.1817.5516.2615.9515.0113.1511.7312.09
Shares Outstanding421.22422.68426.02429.24431.45432.77437.67440.54
Market Capitalization27,172.2229,631.3425,486.8925,086.2822,930.5119,405.7917,909.3819,285.08

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Due from Banks12,727.0010,601.0011,628.0010,547.009,158.0012,733.003,386.001,081.00987.00
Investments50,576.0047,095.0044,385.0039,783.0036,449.0035,161.0031,658.0031,408.0030,760.00
Net Loans140,749.00137,142.00143,861.00154,679.00126,405.00120,647.00117,836.00115,418.00109,381.00
Investment in Unconsolidated Affiliates0.000.000.000.000.000.000.000.000.00
Customer Liability on Acceptances0.000.000.000.000.000.000.000.000.00
Real Estate Assets------45.0034.0036.00
Net Property, Plant & Equipment1,873.001,744.001,780.001,863.001,534.001,559.001,460.00791.00685.00
Interest Receivables964.00941.001,000.00927.00506.00504.000.000.000.00
Deferred Tax Assets----1,408.00800.00552.00792.00696.00
Other Intangible Assets19,462.0019,998.0019,310.0018,934.0014,357.0012,745.0012,147.0011,786.0010,656.00
Total Assets226,351.00217,521.00221,964.00226,733.00189,817.00184,149.00166,285.00161,310.00153,032.00
Total Deposits183,313.00174,776.00177,342.00180,724.00154,361.00147,164.00125,313.00119,575.00115,089.00
Total Debt12,324.0013,357.0014,949.0016,956.007,806.009,424.0015,042.0017,242.0014,436.00
Long Term Debt11,563.0011,807.0013,764.0015,995.005,654.007,671.0012,114.0014,433.0011,432.00
Provision for Risks Charges1,066.001,109.001,025.001,046.00927.00875.00716.00673.00491.00
Deferred Tax Liabilities----1,408.001,429.001,418.001,365.001,267.00
Other Liabilities3,331.004,025.004,306.004,317.001,895.002,584.001,595.001,638.001,479.00
Total Liabilities200,034.00193,267.00197,622.00203,043.00166,397.00161,476.00144,084.00140,493.00132,762.00
Preferred Stock - Carrying Value2,111.002,113.002,014.002,014.002,014.001,965.001,570.00840.00247.00
Common Equity24,206.0022,141.0022,328.0021,676.0021,406.0020,708.0020,631.0019,977.0020,023.00
Total Shareholders Equity26,317.0024,254.0024,342.0023,690.0023,420.0022,673.0022,201.0020,817.0020,270.00
Accumulated Minority Interest0.000.000.000.000.000.000.000.000.00
Total Equity26,317.0024,254.0024,342.0023,690.0023,420.0022,673.0022,201.0020,817.0020,270.00
Total Liabilities & Stockholders Equity226,351.00217,521.00221,964.00226,733.00189,817.00184,149.00166,285.00161,310.00153,032.00
Book Value Per Share56.3950.2647.8744.0350.7148.4747.6342.8740.80
Tangible Book Value Per Share34.9529.5328.0525.2031.8029.7331.2127.9526.76
Tier 1 Capital20,351.0020,013.0020,372.0020,588.0017,670.0016,572.0015,874.0015,325.0014,556.00
Tier 2 Capital3,303.003,219.003,236.003,167.002,574.003,030.002,668.002,832.003,225.00
Full-Time Employees17,39817,28717,57018,88917,46317,5845,70018,10017,600
Price to Book Ratio1.190.850.740.920.930.740.850.691.06
Return on Assets0.830.690.721.001.240.601.091.091.09
Return on Equity7.246.216.708.8010.064.718.338.388.26
Return on Invested Capital4.834.184.225.227.983.485.224.885.21
Current Ratio0.090.130.110.110.100.140.050.060.05

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Funds from Operations3,305.002,517.002,572.002,688.004,977.003,237.003,089.002,222.002,681.00
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital-2,047.00-306.00-571.00273.00-858.00-962.00-2,978.00-525.00-914.00
Cash from Operating Activities1,258.002,211.002,001.002,961.004,119.002,275.00111.001,697.001,767.00
Capital Expenditures-165.00-174.00-122.00-172.00-226.00-1,174.00-118.00-393.00-511.00
Net Assets From Acquisitions0.000.000.000.00-255.00-165.00-3.00-129.00-533.00
Sale of Fixed Assets and Businesses0.000.000.000.000.000.000.0031.000.00
Purchase or Sale of Investments-2,377.00-898.00-2,170.00-4,384.00-5,141.00-2,800.00-846.001,099.00384.00
Purchase of Investments-12,692.00-9,463.00-9,755.00-10,087.00-10,776.00-12,406.00-9,271.00-9,650.00-5,186.00
Sale Or Maturity of Investments10,315.008,565.007,585.005,703.005,635.009,606.008,425.0010,749.005,570.00
Other Uses-635.00-347.00-93.00-61.00-771.00-316.00-65.000.00-16.00
Other Sources-0.000.000.000.000.000.000.000.00
Cash from Investing Activities-10,575.00-5,967.002,987.005,248.00-12,637.00-10,486.00-6,136.00-3,875.00-7,077.00
Cash Dividends Paid-931.00-888.00-903.00-928.00-892.00-783.00-770.00-682.00-485.00
Change in Capital Stock-780.00-607.00-958.00-906.00-153.00-249.00125.00-490.00-432.00
Repurchase of Common Pref Stock-1,175.00-1,000.00-1,350.00-906.00-153.00-545.00-270.00-1,220.00-1,025.00
Sale of Common Pref Stock395.00393.00392.000.000.00296.00395.00730.00593.00
Proceedsfrom Stock Options395.00393.00392.000.000.00296.00395.00730.00593.00
Issuance or Reduction of Debt, Net7,162.00-1,152.00-1,606.00-1,933.004,831.00-1,506.00-5,738.00-3,055.002,796.00
Change in Long Term Debt6,557.00-1,210.00-1,101.00-2,435.004,926.00-1,352.00-5,699.00-2,007.007,666.00
Issuance of Long Term Debt19,746.008,534.0013,185.0025,983.0024,617.000.008,323.0012,850.0022,503.00
Reduction of Long Term Debt-13,189.00-9,744.00-14,286.00-28,418.00-19,691.00-1,352.00-14,022.00-14,857.00-14,837.00
Net Financing Active Other Cash Flow-35.00-8.0018.0021.00-25.00-23.00-96.00-21.00-13.00
Other Financing Activities Uses-35.00-8.00---25.00-23.00-96.00-21.00-13.00
Cash from Financing Activities10,633.005,882.00-6,015.00-7,128.009,907.004,636.0015,372.001,490.006,352.00
Net Change in Cash1,316.002,126.00-1,027.001,081.001,389.00-3,575.009,347.00-688.001,042.00
Free Cash Flow1,093.002,037.001,879.002,789.003,993.002,151.00-7.001,571.001,535.00
Preferred Dividends (Cash Flow)--133.00-134.00-120.00-113.00-113.00-98.00-65.00-14.00
Price to Free Cash Flow167.5322.2120.338.496.0714.76-20.6113.60
Federal Home Loan Advances Increase (Decrease)-0.000.000.000.000.000.000.000.00

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Due from Banks12,966.0012,760.0012,330.0012,727.0011,650.008,548.00
Investments50,345.0052,166.0051,510.0050,576.0050,204.0050,451.00
Net Loans146,322.00145,522.00141,709.00140,749.00138,898.00137,296.00
Investment in Unconsolidated Affiliates0.000.000.000.000.000.00
Net Property, Plant & Equipment883.00873.00874.001,873.00857.00855.00
Interest Receivables1,041.001,041.00970.00964.00992.00969.00
Other Intangible Assets22,907.0021,474.0020,525.0019,462.0020,146.0020,191.00
Total Assets234,464.00233,836.00227,918.00226,351.00222,747.00218,310.00
Total Deposits185,228.00185,620.00184,035.00183,313.00180,011.00175,086.00
Total Debt17,832.0016,349.0012,314.0012,324.0010,655.0012,775.00
Long Term Debt17,013.0014,690.0011,760.0011,563.009,106.0012,057.00
Provision for Risks Charges1,018.001,096.001,079.001,066.001,065.001,054.00
Other Liabilities5,224.004,588.004,318.003,331.005,187.004,161.00
Total Liabilities209,302.00207,653.00201,746.00200,034.00196,918.00193,076.00
Preferred Stock - Carrying Value2,210.002,111.002,111.002,111.002,111.002,113.00
Common Equity22,952.0024,072.0024,061.0024,206.0023,718.0023,121.00
Total Shareholders Equity25,162.0026,183.0026,172.0026,317.0025,829.0025,234.00
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity25,162.0026,183.0026,172.0026,317.0025,829.0025,234.00
Total Liabilities & Stockholders Equity234,464.00233,836.00227,918.00226,351.00222,747.00218,310.00
Book Value Per Share54.4956.9556.4856.3954.9753.43
Tangible Book Value Per Share34.7437.2636.9234.9535.7134.21
Tier 1 Capital20,883.0020,475.0020,289.0020,351.0020,157.0019,925.00
Tier 2 Capital3,458.003,458.003,462.003,303.003,298.003,296.00
Full-Time Employees--17,38017,398--
Price to Book Ratio1.191.241.061.060.990.86
Return on Assets0.990.940.880.830.770.73
Return on Equity8.908.277.747.246.716.48
Return on Invested Capital1.511.441.361.391.411.17
Current Ratio0.100.100.100.090.100.08

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Funds from Operations1,430.00842.00563.00470.001,026.00698.00
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital-977.00-116.00-326.00-628.00670.00188.00
Cash from Operating Activities453.00726.00237.00-158.001,696.00886.00
Capital Expenditures-52.00-21.000.00-92.00-35.00-33.00
Net Assets From Acquisitions0.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.000.000.000.000.00
Purchase or Sale of Investments-793.00-1,032.00-674.00122.00-169.00-124.00
Purchase of Investments-3,120.00-3,138.00-2,516.00-3,918.00-1,420.00-1,760.00
Sale Or Maturity of Investments2,327.002,106.001,842.004,040.001,251.001,636.00
Other Uses-157.00-217.00-97.00-164.00-3.00-130.00
Other Sources0.000.000.00---
Cash from Investing Activities-1,378.00-5,461.00-1,802.00-1,934.00-1,497.00-1,428.00
Cash Dividends Paid-231.00-231.00-236.00-233.00-217.00-218.00
Preferred Dividends (Cash Flow)-34.00-33.00-38.00-33.00-33.00-33.00
Change in Capital Stock270.00-225.00-300.00-525.00318.00-200.00
Repurchase of Common Pref Stock-125.00-225.00-300.00-525.00-75.00-200.00
Sale of Common Pref Stock395.000.000.000.00393.000.00
Proceedsfrom Stock Options395.000.000.000.00393.000.00
Issuance or Reduction of Debt, Net1,487.004,030.001,025.00620.00-2,128.00451.00
Change in Long Term Debt1,827.002,925.001,029.00776.00-2,093.00249.00
Issuance of Long Term Debt7,099.007,000.003,647.002,000.00501.003,500.00
Reduction of Long Term Debt-5,272.00-4,075.00-2,618.00-1,224.00-2,594.00-3,251.00
Net Financing Active Other Cash Flow-3.006.00-43.005.005.006.00
Other Financing Activities Uses-3.006.00-43.005.005.006.00
Cash from Financing Activities1,131.005,165.001,168.003,169.002,903.00-2,451.00
Net Change in Cash206.00430.00-397.001,077.003,102.00-2,993.00
Free Cash Flow401.00705.00237.00-250.001,661.00853.00
Price to Free Cash Flow167.5320.8216.1422.0712.5772.89

Revenue breakdown

Capital Markets Fees2024: 445.00M 2025: 485.00M
Card Fees2024: 362.00M 2025: 335.00M
Other Banking Fees2024: 15.00M 2025: 13.00M
Service Charges and Fees2024: 417.00M 2025: 442.00M
Wealth Fees2024: 294.00M 2025: 360.00M
United States2024: 1.53B 2025: 1.64B
Commercial Banking2024: 639.00M 2025: 680.00M
Consumer Banking2024: 869.00M 2025: 955.00M
Other2024: 25.00M

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-303.80%15.8M415.5M3.87M
2026-10-154.07%17.0M417.4M3.84M
2026-09-304.07%17.0M417.4M3.97M
2026-09-154.07%17.0M417.2M4.03M
2026-08-313.47%14.5M417.2M4.21M
2026-08-143.77%15.7M417.3M4.42M
2026-07-314.59%19.2M417.3M4.57M
2026-07-153.87%16.2M418.9M4.63M
2026-06-303.74%15.6M418.9M4.49M
2026-06-153.84%16.0M418.1M4.43M
2026-05-293.75%15.7M418.9M4.61M
2026-05-153.40%14.2M418.9M4.80M
2026-04-303.51%14.7M418.9M5.09M
2026-04-153.69%15.5M420.9M5.29M
2026-03-313.10%13.0M420.9M5.42M
2026-03-133.37%14.2M420.9M5.19M
2026-02-273.29%13.9M420.9M5.24M
2026-02-133.51%14.8M420.8M5.07M
2026-01-303.36%14.3M425.5M4.73M
2026-01-153.94%16.8M425.5M4.49M

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call30.0034.7036.2029.403.3110.000.000.989-0.0360.003
call32.5032.2033.700.003.0130.000.000.973-0.0870.006
call35.0029.7031.200.002.7370.000.000.971-0.0860.007
call37.5027.2028.700.002.6250.000.000.968-0.0840.007
call40.0024.7026.200.002.3100.000.000.957-0.1020.009
call42.5022.2023.700.002.0240.000.000.961-0.0810.009
call45.0019.7021.200.001.8060.000.000.956-0.0790.009
call47.5017.2018.700.001.5980.000.000.950-0.0770.010
call50.0014.7016.2015.011.3863.000.000.944-0.0740.012
call52.5012.2013.7013.201.2020.000.000.935-0.0710.013
call55.009.6011.2010.191.0120.000.000.924-0.0670.015
call57.507.308.708.400.8240.000.000.908-0.0630.017
call60.004.906.305.800.6736.000.000.876-0.0600.021
call62.502.803.803.800.4692220.000.792-0.0650.029
call65.000.901.651.290.3276472.000.581-0.0720.040
call67.500.250.400.310.2651,5470.000.285-0.0610.035
call70.000.000.150.050.3178760.000.138-0.0470.023
call72.500.000.100.050.4551160.000.072-0.0340.015
call75.000.000.050.160.5572270.000.061-0.0360.013
call77.500.000.450.170.53335.000.000.025-0.0180.006
call80.000.000.100.030.6161071.000.022-0.0190.005
call82.500.000.450.300.6932310.000.020-0.0190.005
call85.000.000.450.100.7691.000.000.018-0.0200.005
call90.000.000.450.250.9136.000.000.016-0.0210.004
call95.000.000.100.051.03819.000.000.014-0.0210.004
call1000.000.450.001.1590.000.000.013-0.0220.003
call1050.000.450.001.2710.000.000.012-0.0220.003
put30.000.000.100.002.3400.000.00-0.011-0.0380.003
put32.500.000.450.002.5690.000.00-0.026-0.0880.006
put35.000.000.450.002.3290.000.00-0.028-0.0870.007
put37.500.000.450.002.1050.000.00-0.031-0.0850.007
put40.000.000.450.001.8940.000.00-0.035-0.0830.008
put42.500.000.450.001.6950.000.00-0.039-0.0820.009
put45.000.000.450.001.5070.000.00-0.043-0.0790.009
put47.500.000.450.321.3259.000.00-0.049-0.0770.010
put50.000.000.450.201.15243.000.00-0.056-0.0740.012
put52.500.000.500.090.9837.000.00-0.064-0.0710.013
put55.000.000.500.120.81832.000.00-0.076-0.0670.015
put57.500.000.500.130.65552.000.00-0.092-0.0620.017
put60.000.000.300.350.4921440.00-0.123-0.0590.021
put62.500.150.400.370.3618641.00-0.208-0.0640.029
put65.000.701.000.950.3113861.00-0.420-0.0700.040
put67.502.002.752.400.3903101.00-0.715-0.0580.035
put70.003.705.505.700.64769.000.00-0.862-0.0440.023
put72.506.407.906.940.7810.000.00-0.941-0.0240.012
put75.008.9010.409.900.9340.000.00-0.970-0.0140.007
put77.5011.4012.905.801.0700.000.00-0.974-0.0140.006
put80.0013.9015.4010.201.1890.000.00-0.977-0.0150.005
put82.5016.4017.900.001.3140.000.00-0.979-0.0150.005
put85.0018.9020.400.001.4180.000.00-0.981-0.0150.005
put90.0023.9025.400.001.6240.000.00-0.984-0.0160.004
put95.0028.9030.400.001.8110.000.00-0.985-0.0160.004
put10033.9035.400.001.9840.000.00-0.987-0.0160.003
put10538.9040.400.002.1440.000.00-0.987-0.0160.003

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-034Statement of changes in beneficial ownership of securities2026-11-01SEC
2026-10-308-KCurrent report2026-10-28SEC
2026-10-2810-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-10-2313F-HRFurther understand that each of 13F-HR, 13F-NT, and amendments thereto are mandatory electronic filings (hardship exemption exists to submit in paper; never used to the knowledge of IM staff);2026-09-30SEC
2026-10-168-KCurrent report2026-10-16SEC
2026-10-088-KCurrent report2026-10-06SEC
2026-09-034Statement of changes in beneficial ownership of securities2026-09-01SEC
2026-08-253Initial statement of beneficial ownership of securities2026-08-20SEC
2026-08-174Statement of changes in beneficial ownership of securities2026-08-13SEC
2026-08-174Statement of changes in beneficial ownership of securities2026-08-13SEC
2026-08-174Statement of changes in beneficial ownership of securities2026-08-13SEC
2026-08-174Statement of changes in beneficial ownership of securities2026-08-13SEC
2026-08-174Statement of changes in beneficial ownership of securities2024-02-06SEC
2026-08-174Statement of changes in beneficial ownership of securities2026-08-13SEC
2026-08-174Statement of changes in beneficial ownership of securities2026-08-13SEC
2026-08-174Statement of changes in beneficial ownership of securities2026-08-13SEC
2026-08-174Statement of changes in beneficial ownership of securities2026-08-13SEC
2026-08-174Statement of changes in beneficial ownership of securities2026-08-13SEC
2026-08-174Statement of changes in beneficial ownership of securities2026-08-13SEC
2026-08-12SCHEDULE 13G/ASEC
2026-08-0713F-HRFurther understand that each of 13F-HR, 13F-NT, and amendments thereto are mandatory electronic filings (hardship exemption exists to submit in paper; never used to the knowledge of IM staff);2026-06-30SEC
2026-08-07SCHEDULE 13GSEC
2026-08-0310-QQuarterly report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-07-318-KCurrent report2026-07-27SEC
2026-07-284Statement of changes in beneficial ownership of securities2026-07-24SEC
2026-07-24144Filing for proposed sale of securities under Rule 144.SEC
2026-07-23424B2SEC
2026-07-21FWPFiling under Securities Act Rule 163/433 of free writing prospectuses.SEC
2026-07-21424B2SEC
2026-07-218-KCurrent report2026-07-21SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100000
2026-090000
2026-080000
2026-07009.32M1
2026-060000
2026-0500376.07K1
2026-040000
2026-0300769.49K1
2026-020000
2026-010000
2025-120000
2025-110000

Institutional holders

Manager% owned
BlackRock, Inc.11.53%
VANGUARD CAPITAL MANAGEMENT LLC6.36%
Capital World Investors5.50%
Invesco Ltd.5.24%
STATE STREET CORP5.02%
VANGUARD PORTFOLIO MANAGEMENT LLC4.86%
MORGAN STANLEY2.90%
GEODE CAPITAL MANAGEMENT, LLC2.82%
AQR CAPITAL MANAGEMENT LLC1.80%
NORDEA INVESTMENT MANAGEMENT AB1.72%

Funds

Fund% owned
Bond Fund of America15.47%
American Balanced Fund13.77%
Lord Abbett Short Duration Income Fund8.66%
Fidelity Investment Grade Bond Central Fund8.40%
Fidelity Series Investment Grade Bond Fund7.68%
VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND6.70%
Spectrum Preferred and Capital Securities Income Fund6.35%
Lord Abbett Ultra Short Bond Fund6.20%
Baird Core Plus Bond Fund5.53%
LORD ABBETT BOND DEBENTURE FUND INC5.39%

OakChart. CFG. Cached 15 minutes.