Citizens Financial Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2015 - 2019
Period Ending	Dec '25 Dec 8, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	2015 - 2019
Market Capitalization	61	43	37	32	35	26	Upgrade
Market Cap Growth	84.97%	14.23%	17.05%	-7.64%	33.86%	29.58%	Upgrade
Last Close Price	34.00	23.44	19.42	16.01	16.58	11.92	Upgrade
PE Ratio	6.05	5.65	5.98	4.88	5.96	5.99	Upgrade
PS Ratio	2.17	1.80	1.80	1.64	2.03	1.69	Upgrade
PB Ratio	-	0.83	0.87	0.88	0.95	0.81	Upgrade
P/FCF Ratio	-	4.60	6.48	4.79	5.41	4.92	Upgrade
P/OCF Ratio	-	4.09	4.94	4.39	5.03	4.71	Upgrade
Debt / Equity Ratio	-	0.39	0.60	0.86	0.93	0.38	Upgrade
Debt / FCF Ratio	-	2.16	4.51	4.66	5.30	2.31	Upgrade
Return on Equity (ROE)	-	15.96%	15.71%	17.99%	16.96%	-	Upgrade
Return on Assets (ROA)	-	1.14%	1.00%	1.20%	1.42%	-	Upgrade
Earnings Yield	16.52%	17.69%	16.71%	20.50%	16.77%	16.71%	Upgrade
FCF Yield	-	21.74%	15.42%	20.87%	18.47%	20.33%	Upgrade
Dividend Yield	2.94%	3.88%	4.32%	5.00%	4.10%	5.12%	Upgrade
Payout Ratio	-	20.84%	23.39%	21.75%	20.86%	25.18%	Upgrade
Buyback Yield / Dilution	-	-0.34%	-0.44%	0.16%	0.19%	1.41%	Upgrade
Total Shareholder Return	2.94%	3.54%	3.88%	5.16%	4.29%	6.53%	Upgrade

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.