Citizens Financial reported a net margin of 24.27% 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 | 41.05% | 39.77% | 32.58% | 23.91% | 37.34% | 37.64% | 31.20% | 29.23% | 27.26% | 10.31% | 21.95% | 24.45% | 24.72% | 25.58% | 24.19% | 27.20% | 29.70% | 31.39% | 29.98% | 33.07% | |||||||||||||||||||||||||||||||||
| EBIT Margin | 45.69% | 44.19% | 36.60% | 29.96% | 51.31% | 62.95% | 66.87% | 74.26% | 80.54% | 70.07% | 81.57% | 83.80% | 86.27% | 78.45% | 73.85% | 74.82% | 75.50% | 73.53% | 69.56% | 73.02% | |||||||||||||||||||||||||||||||||
| EBITDA Margin | 45.69% | 44.19% | 36.60% | 29.96% | 51.31% | 62.95% | 66.87% | 74.26% | 80.54% | 70.07% | 81.57% | 83.80% | 86.27% | 78.45% | 73.85% | 74.82% | 75.50% | 73.53% | 69.56% | 73.02% | |||||||||||||||||||||||||||||||||
| Net Margin | 30.38% | 28.95% | 24.07% | 16.61% | 28.07% | 28.23% | 22.93% | 21.20% | 19.86% | 8.00% | 15.52% | 18.19% | 18.10% | 18.48% | 17.57% | 19.73% | 21.58% | 22.67% | 22.32% | 24.27% | |||||||||||||||||||||||||||||||||
| FCF Margin | 21.70% | -43.49% | 50.82% | -106.90% | 136.52% | 65.50% | 51.79% | 3.96% | 48.76% | 31.29% | 10.67% | 37.65% | 2.79% | 17.37% | -20.72% | 28.03% | 73.51% | -9.09% | 8.67% | 29.43% | |||||||||||||||||||||||||||||||||
| Efficiency | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| Assets AverageAssets Avg. | 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 CapitalInvested Cap. | 30.39B | 30.50B | 28.02B | 46.37B | 39.96B | 39.58B | 45.09B | 39.88B | 40.70B | 38.82B | 37.58B | 36.95B | 38.91B | 36.66B | 37.23B | 38.26B | 36.70B | 37.66B | 38.54B | 43.69B | |||||||||||||||||||||||||||||||||
| Asset Utilization RatioAsset Util. | 0.04 | 0.04 | 0.03 | 0.03 | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | |||||||||||||||||||||||||||||||||
| Leverage & Solvency | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| Interest Coverage RatioInterest Cover | 9.84 | 10.00 | 9.12 | 4.95 | 3.67 | 2.49 | 1.87 | 1.65 | 1.51 | 1.17 | 1.37 | 1.41 | 1.40 | 1.48 | 1.49 | 1.57 | 1.65 | 1.74 | 1.76 | 1.83 | |||||||||||||||||||||||||||||||||
| Debt Ratio | 0.04 | 0.04 | 0.03 | 0.10 | 0.07 | 0.07 | 0.09 | 0.07 | 0.08 | 0.07 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 | 0.05 | 0.05 | 0.05 | 0.07 | |||||||||||||||||||||||||||||||||
| Times Interest Earned | 9.84 | 10.00 | 9.12 | 4.95 | 3.67 | 2.49 | 1.87 | 1.65 | 1.51 | 1.17 | 1.37 | 1.41 | 1.40 | 1.48 | 1.49 | 1.57 | 1.65 | 1.74 | 1.76 | 1.83 | |||||||||||||||||||||||||||||||||
| Dividends & Payouts | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| Dividend Coverage RatioDiv. Cover | 3.02 | 2.96 | 2.40 | 1.70 | 2.92 | 2.96 | 2.38 | 2.17 | 2.01 | 0.80 | 1.54 | 1.84 | 1.81 | 1.95 | 1.83 | 2.17 | 2.48 | 2.45 | 2.44 | 2.80 | |||||||||||||||||||||||||||||||||
| FCF Payout RatioFCF Cover | 0.46 | -0.22 | 0.20 | -0.09 | 0.07 | 0.15 | 0.19 | 2.47 | 0.20 | 0.32 | 0.94 | 0.26 | 3.58 | 0.54 | -0.46 | 0.32 | 0.12 | -1.02 | 1.05 | 0.29 | |||||||||||||||||||||||||||||||||
| Payout Ratio | 0.33 | 0.34 | 0.42 | 0.59 | 0.34 | 0.34 | 0.42 | 0.46 | 0.50 | 1.25 | 0.65 | 0.54 | 0.55 | 0.51 | 0.55 | 0.46 | 0.40 | 0.41 | 0.41 | 0.36 | |||||||||||||||||||||||||||||||||
| Return Ratios | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| Return on Sales [ROS]ROS | 45.69% | 44.19% | 36.60% | 29.96% | 51.31% | 62.95% | 66.87% | 74.26% | 80.54% | 70.07% | 81.57% | 83.80% | 86.27% | 78.45% | 73.85% | 74.82% | 75.50% | 73.53% | 69.56% | 73.02% | |||||||||||||||||||||||||||||||||
| Return on Invested Capital [ROIC]ROIC | 8.39% | 8.48% | 8.09% | 5.67% | 5.54% | 7.27% | 8.31% | 10.07% | 11.60% | 11.94% | 12.86% | 13.57% | 13.54% | 13.63% | 13.65% | 12.97% | 12.87% | 12.99% | 12.84% | 12.13% | |||||||||||||||||||||||||||||||||
| Return on Assets [ROA]ROA | 1.21% | 1.24% | 1.12% | 0.88% | 0.86% | 0.92% | 0.96% | 1.02% | 0.92% | 0.72% | 0.65% | 0.61% | 0.59% | 0.69% | 0.71% | 0.73% | 0.77% | 0.82% | 0.87% | 0.92% |