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The themes Citizens Financial is part of, the highest-graded companies in its industry, and the companies in its sector whose grade rose recently.
The theme it is part of
Highest-graded in Banks Regional
Graded A or B and worth $2B or more: A first, then the largest.
USBUS Bancorp \DE\95,1B US$A
PNCPNC Financial Services Group, Inc.92,2B US$A
NUNu Holdings Ltd.64,8B US$A+
NWGNatWest Group plc64,3B US$A
ITUBItau Unibanco Holding S.A.37,3B US$A
Grade rose recently in Financials
Rose to A or B on a filing in the last 90 days, worth $2B or more: largest first.
BLKBlackRock, Inc.4 nov 2026CAGraded C, now A
HSBCHsbc Holdings plc27 oct 2026CBGraded C, now B
GSThe Goldman Sachs Group, Inc.2 nov 2026BAGraded B, now A
WFCWells Fargo & Company13 oct 2026BAGraded B, now A
CMECME Group Inc.21 oct 2026BAGraded B, now A
Cómo gana dinero
- Consumer Banking: interest from loans and fees from accounts, cards, mortgages and wealth services69 %
- Commercial Banking: interest from business loans and fees from payments, foreign exchange and corporate finance31 %
Los porcentajes de ingresos son estimaciones para six months ended June 30, 2026, high confidence, no cifras de un informe oficial.
Compite con
- PNCPNC Financial Services GroupA
- Tamaño
- 92,2B US$
- Margen
- 30,9 %
- MTBM&T Bank CorporationB
- Tamaño
- 31,7B US$
- Margen
- 30,2 %
- KEYKeyCorpA
- Tamaño
- 22,7B US$
- Margen
- 26,6 %
- FITBFifth Third BancorpB
- Tamaño
- 49,3B US$
- Margen
- 21,9 %
- JPMJPMorgan Chase & Co.A
- Tamaño
- 919,6B US$
- Margen
- 32,5 %
- BACBank of America CorporationB
- Tamaño
- 352B US$
- Margen
- 26,8 %
Qué vende6
Deposit accounts
Checking, savings, money market and time-deposit accounts for individuals and businesses.
Home loans
Mortgages to buy or refinance homes, and home equity loans that let homeowners borrow against their homes.
Consumer and small-business loans
Credit cards, education loans, point-of-sale financing and loans to small businesses.
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Private banking and wealth management
Banking, investment management and related financial services for wealthy individuals, families, investors and business owners.
Commercial loans and leases
Financing for companies’ working capital, equipment, property and other business needs, including loans for commercial real estate.
Business payments and corporate finance
Services for handling company payments and cash, along with financing, securities underwriting and advice on mergers and acquisitions.
Quién se lo compra6
- Individuals who open deposit accounts, use credit cards or borrow for homes and other needs, through branches, phone service or online and mobile banking.
- Small businesses that use deposit accounts, loans, payment services and cash-management tools.
- Middle-market and mid-sized companies that borrow, lease equipment, manage payments or seek help arranging financing.
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- Large corporations and institutions that use lending, treasury services, foreign exchange and help raising money.
- High-net-worth individuals and families who use private banking, investment management and lending.
- Investors, entrepreneurs and business owners who use banking, wealth services, financing or corporate advice.
En qué se apoya y qué podría romperlo
De qué depende el negocio
- 1The parent company depends on its bank subsidiary, Citizens Bank, National Association, for substantially all of its revenue; regulatory limits on distributions from the bank could affect the parent company’s cash.
- 2Funding depends heavily on customer deposits and access to other sources of liquidity; competition for deposits and changing interest rates can affect funding costs.
- 3Income from lending depends on households and businesses repaying their loans, including commercial real estate and other business loans.
- 4Banking operations rely on information systems and outside technology providers to process transactions and serve customers.
Qué podría salir mal
- 1Interest-rate changes and competition for deposits can raise funding costs, reduce income from lending and investing, or make it harder to access liquidity.
- 2If households or businesses cannot repay loans, losses can rise; commercial real estate lending, including loans on office properties, is one source of exposure.
- 3A cyberattack, system failure or outage at an outside technology provider could interrupt banking services, expose customer information and bring financial or regulatory consequences.
Estados financieros completos →
Sobre Citizens Financial Group Inc.
Citizens is a United States bank serving households, small businesses, companies and institutions. It takes deposits, lends for homes and businesses, and earns interest on loans after paying interest on deposits and borrowings. It also earns fees from services such as credit cards, wealth management, payments, foreign exchange and corporate finance. Its branch banking is concentrated in the eastern and midwestern United States, while some services reach customers nationwide.
- Sede
- Providence, Rhode Island
- Fundada en
- 1984 (incorporated; high confidence)
- Empleados
- 17,398 full-time equivalent employees (December 31, 2025, high confidence)
- Cotiza en
- NYSE
- Cierre del ejercicio
- December 31
Construido a partir de los propios informes de Citizens Financial Group Inc. ante la Comisión de Bolsa y Valores de EE. UU. (SEC). Las cifras son las declaradas, con el historial por acción reexpresado a la base de acciones de hoy. Esto describe un negocio: no es asesoramiento de inversión ni una recomendación de compra o venta.