CITIZENS FINANCIAL GROUP INC【CFG】
時価総額
$261.1億
PER
個人と中堅企業向けのリテール・コマーシャルバンキングの大手。預金、住宅ローン、商業ローン、資本市場・トレジャリーソリューションを展開。2022年2月の大手銀行東海岸支店買収、同年4月の地域銀行買収で支店網拡大。14州とワシントンD.C.に約1,000店で展開。
| 2014年 12月31日 | 2015年 12月31日 | 2016年 12月31日 | 2017年 12月31日 | 2018年 12月31日 | 2019年 12月31日 | 2020年 12月31日 | 2021年 12月31日 | 2022年 12月31日 | 2023年 12月31日 | 2024年 12月31日 | |
| Interest and fees on loans and leases | - | - | - | - | - | 5,441 | 4,719 | 4,253 | 5,968 | 8,489 | 7,948 |
| Interest and fees on loans held for sale | 5 | 10 | 15 | 18 | 37 | 63 | 75 | 82 | 67 | 73 | 77 |
| Investment securities | 619 | 621 | 584 | 625 | 672 | 642 | 519 | 487 | 840 | 1,162 | 1,658 |
| Interest-bearing deposits in banks | 5 | 5 | 8 | 18 | 29 | 30 | 11 | 16 | 128 | 451 | 503 |
| Total interest income | 3,664 | 3,854 | 4,266 | 4,920 | 5,758 | 6,189 | 5,357 | 4,851 | 7,060 | 10,204 | 10,186 |
| Deposits | 156 | 237 | 270 | 441 | 785 | 1,155 | 509 | 160 | 651 | 3,145 | 3,825 |
| Short-term borrowed funds | - | - | - | - | - | - | 2 | 1 | 23 | 43 | 15 |
| Long-term borrowed funds | 82 | 132 | 196 | 272 | 378 | 410 | 260 | 178 | 374 | 775 | 713 |
| Total interest expense | - | - | - | - | - | - | - | - | - | - | 4,553 |
| Net interest income | 3,301 | 3,402 | 3,758 | 4,173 | 4,532 | 4,614 | 4,586 | 4,512 | 6,012 | 6,241 | 5,633 |
| Provision (benefit) for credit losses | - | - | - | - | - | - | - | - | 474 | 687 | 687 |
| Net interest income after provision (benefit) for credit losses | 2,982 | 3,100 | 3,389 | 3,852 | 4,206 | 4,221 | 2,970 | 4,923 | 5,538 | 5,554 | 4,946 |
| Service charges and fees | 574 | 575 | 599 | 516 | 513 | 505 | 403 | 409 | 420 | 410 | 420 |
| Capital markets fees | 91 | 88 | 125 | 194 | 179 | 216 | 250 | 428 | 368 | 319 | 467 |
| Card fees | - | - | - | - | 244 | 254 | 217 | 250 | 273 | 296 | 368 |
| Wealth fees | - | - | - | - | - | - | - | - | - | - | 294 |
| Mortgage banking fees | - | - | - | - | 152 | 302 | 915 | 434 | 261 | 242 | 209 |
| Foreign Exchange and Trade Finance Fees | 95 | 90 | 90 | 109 | 126 | 155 | 120 | 120 | 188 | 183 | 146 |
| Letter of credit and loan fees | - | - | - | 121 | 128 | 135 | 140 | 156 | 159 | 168 | 175 |
| Securities gains, net | - | - | - | - | 19 | 19 | 4 | 10 | 9 | 28 | 18 |
| Other income | - | - | - | 91 | 67 | 91 | 67 | 89 | 82 | 78 | 79 |
| Total noninterest income | 1,678 | 1,422 | 1,497 | 1,534 | 1,596 | 1,877 | 2,319 | 2,135 | 2,009 | 1,983 | 2,176 |
| Labor and Related Expense | 1,678 | 1,636 | 1,709 | 1,761 | 1,880 | 2,026 | 2,123 | 2,132 | 2,549 | 2,599 | 2,657 |
| Equipment Expense | 250 | 257 | 263 | 263 | 275 | 514 | 565 | 610 | 648 | 756 | 769 |
| Outside services | 420 | 371 | 377 | 404 | 447 | 498 | 553 | 595 | 700 | 687 | 639 |
| Occupancy | 326 | 319 | 307 | 319 | 333 | 333 | 331 | 333 | 410 | 492 | 447 |
| Other operating expense | 573 | 530 | 526 | 547 | 495 | 476 | 419 | 411 | 585 | 973 | 722 |
| Total noninterest expense | 3,392 | 3,259 | 3,352 | 3,474 | 3,619 | 3,847 | 3,991 | 4,081 | 4,892 | 5,507 | 5,234 |
| Income before income tax expense | - | - | - | - | - | - | - | 2,977 | 2,655 | 2,030 | 1,888 |
| Income tax expense | 403 | 423 | 489 | 260 | 462 | 460 | 241 | 658 | 582 | 422 | 379 |
| NET INCOME | 865 | 840 | 1,045 | 1,652 | 1,721 | 1,791 | 1,057 | 2,319 | 2,073 | 1,608 | 1,509 |
| Net income available to common stockholders | - | 833 | 1,031 | 1,638 | 1,692 | 1,718 | 950 | 2,206 | 1,960 | 1,491 | 1,372 |
| Earnings Per Share, Basic | 1.55 | 1.55 | 1.97 | 3.26 | 3.54 | 3.82 | 2.22 | 5.18 | 4.12 | 3.14 | 3.05 |
| Earnings Per Share, Diluted | 1.55 | 1.55 | 1.97 | 3.25 | 3.52 | 3.81 | 2.22 | 5.16 | 4.1 | 3.13 | 3.03 |