Citizens Financial Group, Inc.
CFG · NYSE
12/31/2024 | 12/31/2023 | 12/31/2022 | 12/31/2021 | |
|---|---|---|---|---|
| Revenue | $12,347,000 | $12,187,000 | $9,069,000 | $6,986,000 |
| % Growth | 1.3% | 34.4% | 29.8% | – |
| Cost of Goods Sold | $5,240,000 | $4,650,000 | $1,522,000 | -$72,000 |
| Gross Profit | $7,107,000 | $7,537,000 | $7,547,000 | $7,058,000 |
| % Margin | 57.6% | 61.8% | 83.2% | 101% |
| R&D Expenses | $0 | $0 | $0 | $0 |
| G&A Expenses | $2,819,000 | $2,764,000 | $2,645,000 | $2,198,000 |
| SG&A Expenses | $2,989,000 | $2,951,000 | $2,811,000 | $2,309,000 |
| Sales & Mktg Exp. | $170,000 | $187,000 | $166,000 | $111,000 |
| Other Operating Expenses | $2,230,000 | $2,556,000 | $2,081,000 | $1,772,000 |
| Operating Expenses | $5,219,000 | $5,507,000 | $4,892,000 | $4,081,000 |
| Operating Income | $1,888,000 | $2,030,000 | $2,655,000 | $2,977,000 |
| % Margin | 15.3% | 16.7% | 29.3% | 42.6% |
| Other Income/Exp. Net | $0 | $0 | $0 | $0 |
| Pre-Tax Income | $1,888,000 | $2,030,000 | $2,655,000 | $2,977,000 |
| Tax Expense | $379,000 | $422,000 | $582,000 | $658,000 |
| Net Income | $1,509,000 | $1,608,000 | $2,073,000 | $2,319,000 |
| % Margin | 12.2% | 13.2% | 22.9% | 33.2% |
| EPS | 3.04 | 3.14 | 4.12 | 5.18 |
| % Growth | -3.2% | -23.8% | -20.5% | – |
| EPS Diluted | 3.03 | 3.13 | 4.1 | 5.16 |
| Weighted Avg Shares Out | 450,678 | 475,089 | 475,960 | 425,669 |
| Weighted Avg Shares Out Dil | 453,510 | 476,693 | 477,803 | 427,436 |
| Supplemental Information | – | – | – | – |
| Interest Income | $10,186,000 | $10,204,000 | $7,060,000 | $4,851,000 |
| Interest Expense | $4,553,000 | $3,963,000 | $1,048,000 | $339,000 |
| Depreciation & Amortization | $498,000 | $478,000 | $565,000 | $625,000 |
| EBITDA | $2,386,000 | $2,508,000 | $3,220,000 | $3,602,000 |
| % Margin | 19.3% | 20.6% | 35.5% | 51.6% |