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Citizens Financial Group Inc

Citizens Financial Group Inc (CFG)

Citizens Financial Group, Inc., incorporated on November 21, 1984, is a retail bank holding company. The Company operates through two segments: Consumer Banking and Commercial Banking. The Company delivers a range of retail and commercial banking products and services to individuals, institutions and companies. As of December 31, 2016, the Company operated approximately 1,200 branches operating in an 11-state banking footprint across the New England, Mid-Atlantic and Midwest regions and through its online, telephone and mobile banking platforms. As of December 31, 2016, it also maintained more than 100 retail and commercial non-branch offices located in its branch banking footprint and in other states and the District of Columbia. The Company's primary subsidiaries include Citizens Bank, N.A. (CBNA), a national banking association and Citizens Bank of Pennsylvania (CBPA), a Pennsylvania-chartered savings bank.

Consumer Banking

The Company's Consumer Banking serves retail customers and small businesses. Consumer Banking products and services include deposit products, mortgage and home equity lending, auto financing, student loans, personal unsecured lines and loans, credit cards, business loans, wealth management and investment services. As of December 31, 2016, it provided a multi-channel distribution system with a network of approximately 1,200 branches, including more than 340 in-store locations, as well as approximately 3,200 automated teller machines (ATMs). Its online and mobile capabilities offer customers the convenience of paying bills and transferring money between accounts and from person to person, as well as a host of other everyday transactions. It provides customers with deposit and payment products and services, including checking, savings, money market, certificates of deposit, debit cards, credit cards and overdraft protection. Its mortgage business is primarily in footprint and in select out-of-footprint states through a direct-to-consumer call center and a mortgage loan officer base. It provides home equity, auto finance products, student lending and personal unsecured lines and loans.

The Company offers home equity line of credits (HELOCs) and home equity loans. The Company provided new- and used-vehicle financing through a network of more than 6,000 automotive dealerships in 43 states as of December 31, 2016. The Company provides Student Lending business. It also offers Education Refinance Loan (ERL) product, which provides former students having entered the workforce a way to refinance or consolidate multiple existing private and federal student loans. It provides a range of banking, investment, insurance products and advisory services primarily to clients through a sales force.

Commercial Banking

The Company's Commercial Banking segment offers a range of financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange and interest rate risk management solutions, as well as corporate finance, merger and acquisition, and debt and equity capital markets capabilities. Commercial Banking is structured along lines of business, as well as product groups. The Capital & Global Markets and the Treasury Solutions product groups support all lines of business. It targets domestic commercial and industrial clients, serving middle market companies. The business offers a range of products, including secured and unsecured lines of credit, term loans, commercial mortgages, domestic and global treasury management solutions, trade services, interest rate products, foreign exchange services and letters of credit. Its specialty Industry Verticals business addresses other corporate banking services for the United States subsidiaries of foreign corporations, technology, government entities, healthcare, oil and gas, not-for-profit and educational institutions, professional firms and franchise finance.

The Company offers equipment financing term loans and leases for middle market and mid-corporate companies, as well as Fortune 500 companies. Its areas of industry specialization include energy, utilities and chemicals. The business also offers financing corporate aircraft and tax- and non-tax-oriented leases for other long-lived assets, such as rail cars. It provides customized debt capital solutions for middle market operators, institutional developers and investors, as well as real estate investment trusts (REITs). Commercial Real Estate provides financing for projects in the office, multi-family, industrial, retail, healthcare and hospitality sectors. Loan types include term debt, lines of credit and construction financing. A majority of loans are secured by commercial real estate properties and are typically non-owner occupied. Owner-occupied commercial real estate is typically originated through its Corporate Banking business.

The Company delivers services to clients through product groups, including Capital Markets, Corporate Finance, and Global Markets. Capital Markets originates, structures and underwrites multi-bank credit facilities targeting Middle Market, Mid-corporate and private equity sponsors with a focus on offering value-added ideas to optimize their capital structures. Corporate Finance provides advisory services to middle market and mid-corporate companies, including mergers and acquisitions and capital structure advisory. Global Markets is a customer-facing business providing foreign exchange and interest rate risk management services. The Company provides underwriting and portfolio management capability for all leveraged transactions and relationships; serves the needs of private equity firms, management companies and funds, and provides acquisition and follow-on financing for new and recapitalized portfolio companies of sponsors. It supports Commercial Banking and Business Banking clients with treasury management solutions, including domestic and international cash management, commercial credit cards and trade finance. Treasury Solutions provides products to solve client needs related to receivables, payables, information reporting and liquidity management.


Optimized Dividends

Annual Dividends

Year Amount Change
2006 0.0c
2007 0.0c 0%
2008 0.0c 0%
2009 0.0c 0%
2010 0.0c 0%
2011 0.0c 0%
2012 0.0c 0%
2013 0.0c 0%
2014 20.0c 100%
2015 40.0c 100.0%
2016 50.0c 25.0%
2017 72.0c 44.0%
2018 108.0c 50.0%
2019 Login required
2020 Login required


Ex-Div Date Pay Date Year Type Frequency Status Amount
04 Nov 2014 20 Nov 2014 2014 Interim Monthly Paid 10c
03 Feb 2015 19 Feb 2015 2014 Interim Quarterly Paid 10c
01 May 2015 19 May 2015 2015 Interim Quarterly Paid 10c
30 Jul 2015 17 Aug 2015 2015 Interim Quarterly Paid 10c
03 Nov 2015 19 Nov 2015 2015 Interim Quarterly Paid 10c
02 Feb 2016 18 Feb 2016 2015 Final Quarterly Paid 10c
02 May 2016 18 May 2016 2016 Interim Quarterly Paid 12c
01 Aug 2016 17 Aug 2016 2016 Interim Quarterly Paid 12c
31 Oct 2016 16 Nov 2016 2016 Interim Quarterly Paid 12c
31 Jan 2017 16 Feb 2017 2016 Final Quarterly Paid 14c
01 May 2017 17 May 2017 2017 Interim Quarterly Paid 14c
31 Jul 2017 16 Aug 2017 2017 Interim Quarterly Paid 18c
31 Oct 2017 15 Nov 2017 2017 Interim Quarterly Paid 18c
31 Jan 2018 15 Feb 2018 2017 Final Quarterly Paid 22c
01 May 2018 16 May 2018 2018 Interim Quarterly Paid 22c
31 Jul 2018 15 Aug 2018 2018 Interim Quarterly Paid 27c
30 Oct 2018 14 Nov 2018 2018 Interim Quarterly Paid 27c
30 Jan 2019 14 Feb 2019 2018 Final Quarterly Paid 32c
30 Apr 2019 15 May 2019 2019 Interim Quarterly Paid 32c
30 Jul 2019 14 Aug 2019 2019 Interim Quarterly Paid 36c
29 Oct 2019 13 Nov 2019 2019 Interim Quarterly Paid 36c
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