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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 themes 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\US$95.1BA
PNCPNC Financial Services Group, Inc.US$92.2BA
NUNu Holdings Ltd.US$64.8BA+
NWGNatWest Group plcUS$64.3BA
ITUBItau Unibanco Holding S.A.US$37.3BA
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.2026년 11월 4일CAGraded C, now A
HSBCHsbc Holdings plc2026년 10월 27일CBGraded C, now B
GSThe Goldman Sachs Group, Inc.2026년 11월 2일BAGraded B, now A
WFCWells Fargo & Company2026년 10월 13일BAGraded B, now A
CMECME Group Inc.2026년 10월 21일BAGraded B, now A
어떻게 돈을 버는가
- 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%
매출 비중은 six months ended June 30, 2026, high confidence 기준 추정치이며, 제출된 보고서의 수치가 아닙니다.
경쟁 상대
무엇을 파는가6
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.
3개 더 보기
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.
누가 사는가6
- 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.
3개 더 보기
- 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.
무엇에 기대고 있고, 무엇이 무너뜨릴 수 있는가
사업이 기대고 있는 것
- 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.
잘못될 수 있는 일
- 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.
Citizens Financial Group Inc. 소개
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.
- 본사
- Providence, Rhode Island
- 설립
- 1984 (incorporated; high confidence)
- 임직원 수
- 17,398 full-time equivalent employees (December 31, 2025, high confidence)
- 상장 시장
- NYSE
- 회계연도 종료
- December 31
Citizens Financial Group Inc.이(가) 미국 증권거래위원회(SEC)에 직접 제출한 공시로 만들었습니다. 수치는 보고된 그대로이며, 주당 이력은 오늘의 주식 수 기준으로 재계산했습니다. 이것은 사업을 설명하는 자료입니다. 투자 자문이 아니며 어떤 매수나 매도도 권유하지 않습니다.