Citizens Financial reported a net margin of 35.33% for the quarter ended Jun 2026. These financial ratios cover 53 quarters of results from Dec 2012 through Jun 2026, standardized by Business Quant from the company’s SEC filings.
| Ratios | Dec2012 | Sep2013 | Dec2013 | Mar2014 | Jun2014 | Sep2014 | Dec2014 | Mar2015 | Jun2015 | Sep2015 | Dec2015 | Mar2016 | Jun2016 | Sep2016 | Dec2016 | Mar2017 | Jun2017 | Sep2017 | Dec2017 | Mar2018 | Jun2018 | Sep2018 | Dec2018 | Mar2019 | Jun2019 | Sep2019 | Dec2019 | Mar2020 | Jun2020 | Sep2020 | Dec2020 | Mar2021 | Jun2021 | Sep2021 | Dec2021 | Mar2022 | Jun2022 | Sep2022 | Dec2022 | Mar2023 | Jun2023 | Sep2023 | Dec2023 | Mar2024 | Jun2024 | Sep2024 | Dec2024 | Mar2025 | Jun2025 | Sep2025 | Dec2025 | Mar2026 | Jun2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| EBT Margin (Quarter)EBT Margin (Qtr) | 53.66% | 39.77% | 32.58% | 23.91% | 37.34% | 28.31% | 31.20% | 34.29% | 27.26% | 9.14% | 21.95% | 30.04% | 24.72% | 28.91% | 24.19% | 42.10% | 29.70% | 13.14% | 38.03% | 48.15% | |||||||||||||||||||||||||||||||||
| EBIT Margin (Quarter)EBIT Margin (Qtr) | 59.73% | 44.19% | 36.60% | 29.96% | 51.31% | 22.56% | 66.87% | 87.11% | 80.54% | 47.73% | 81.57% | 102.94% | 86.27% | 78.54% | 73.85% | 170.59% | 75.50% | -36.08% | 88.24% | 151.91% | |||||||||||||||||||||||||||||||||
| EBITDA Margin (Quarter)EBITDA Margin (Qtr) | 59.73% | 44.19% | 36.60% | 29.96% | 51.31% | 22.56% | 66.87% | 87.11% | 80.54% | 47.73% | 81.57% | 102.94% | 86.27% | 78.54% | 73.85% | 170.59% | 75.50% | -36.08% | 88.24% | 151.91% | |||||||||||||||||||||||||||||||||
| Net Margin (Quarter)Net Margin (Qtr) | 39.72% | 28.95% | 24.07% | 16.61% | 28.07% | 21.23% | 22.93% | 24.87% | 19.86% | 7.09% | 15.52% | 22.34% | 18.10% | 20.89% | 17.57% | 30.55% | 21.58% | 9.49% | 28.32% | 35.33% | |||||||||||||||||||||||||||||||||
| FCF Margin (Quarter)FCF Margin (Qtr) | 98.74% | -151.98% | 91.37% | -94.10% | 94.12% | 49.26% | 54.23% | 1.74% | 48.76% | 35.41% | 27.77% | 25.28% | 26.09% | -5.58% | -20.72% | 78.04% | 78.42% | -4.85% | 11.00% | 42.86% | |||||||||||||||||||||||||||||||||
| Efficiency | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| Assets Average (Quarter)Assets Avg. (Qtr) | 186.06B | 187.71B | 190.25B | 209.40B | 225.70B | 225.71B | 224.49B | 222.66B | 224.17B | 223.62B | 221.21B | 220.19B | 219.82B | 218.61B | 218.83B | 219.23B | 220.53B | 224.55B | 227.13B | 230.88B | |||||||||||||||||||||||||||||||||
| Invested Capital (Quarter)Invested Cap. (Qtr) | 0.01B | 0.07B | 0.03B | 3.76B | 0.26B | 0.00B | 1.02B | 1.10B | 0.23B | 0.51B | 0.01B | 0.00B | 0.01B | 0.05B | 0.25B | 0.21B | 0.06B | 0.05B | 1.16B | ||||||||||||||||||||||||||||||||||
| Asset Utilization Ratio (Quarter)Asset Util. (Qtr) | 0.02 | 0.03 | 0.03 | 0.03 | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.03 | 0.03 | 0.03 | 0.03 | 0.05 | 0.05 | 0.03 | |||||||||||||||||||||||||||||||||
| Leverage & Solvency | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| Interest Coverage Ratio (Quarter)Interest Cover (Qtr) | 9.84 | 10.00 | 9.12 | 4.95 | 3.67 | -3.93 | 1.87 | 1.65 | 1.51 | 1.24 | 1.37 | 1.41 | 1.40 | 1.58 | 1.49 | 1.33 | 1.65 | 0.73 | 1.76 | 1.46 | |||||||||||||||||||||||||||||||||
| Debt Ratio (Quarter)Debt Ratio (Qtr) | 0.04 | 0.04 | 0.03 | 0.08 | 0.07 | 0.07 | 0.09 | 0.07 | 0.08 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 | 0.05 | 0.05 | 0.05 | 0.07 | |||||||||||||||||||||||||||||||||
| Times Interest Earned (Quarter)Times Interest Earned (Qtr) | 9.84 | 10.00 | 9.12 | 4.95 | 3.67 | -3.93 | 1.87 | 1.65 | 1.51 | 1.24 | 1.37 | 1.41 | 1.40 | 1.58 | 1.49 | 1.33 | 1.65 | 0.73 | 1.76 | 1.46 | |||||||||||||||||||||||||||||||||
| Dividends & Payouts | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| FCF Payout Ratio (Quarter)FCF Cover (Qtr) | 0.13 | -0.06 | 0.11 | -0.10 | 0.10 | 0.15 | 0.18 | 6.61 | 0.20 | 0.25 | 0.36 | 0.48 | 0.38 | -1.92 | -0.46 | 0.18 | 0.11 | -0.80 | 1.05 | 0.29 | |||||||||||||||||||||||||||||||||
| Valuation | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| Enterprise Value (Quarter)Enterprise Value (Qtr) | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| Return Ratios | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| Return on Sales (Quarter)ROS (Qtr) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | |||||||||||||||||||||||||||||||||
| Return on Invested Capital (Quarter)ROIC (Qtr) | 0.05% | 0.09% | 0.12% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.02% | 0.02% | 0.02% | 0.04% | 0.08% | 0.18% | 1.09% | 0.28% | 0.13% | 0.05% | 0.05% | 0.06% | |||||||||||||||||||||||||||||||||
| Return on Assets (Quarter)ROA (Qtr) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |