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Last update at 2025-06-17T16:55:00Z
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Citizens Financial Group (CFG) Q1 Earnings Top Estimates
Wed 16 Apr 25, 11:35 AM| Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Income before tax | 114.68M | 124.21M | 51.67M | 77.30M | 55.44M |
| Minority interest | - | - | - | - | - |
| Net income | 87.95M | 92.78M | 37.47M | 57.00M | 41.19M |
| Selling general administrative | 118.05M | 101.22M | 89.76M | 95.31M | 80.38M |
| Selling and marketing expenses | 2.83M | 1.80M | 1.29M | 3.40M | 1.72M |
| Gross profit | 320.23M | 303.61M | 269.26M | 263.10M | 223.90M |
| Reconciled depreciation | 6.67M | 7.07M | 6.48M | 14.13M | 11.21M |
| Ebit | 148.53M | 124.21M | 51.67M | 77.30M | 89.36M |
| Ebitda | 155.20M | 131.28M | 59.29M | 85.03M | 94.99M |
| Depreciation and amortization | 6.67M | 7.07M | 7.62M | 7.74M | 5.63M |
| Non operating income net other | - | - | - | - | - |
| Operating income | 148.53M | 124.21M | 51.67M | 77.30M | 83.79M |
| Other operating expenses | -171.70000M | -179.39300M | -217.59700M | -185.80300M | 140.11M |
| Interest expense | 36.23M | 12.54M | 24.25M | 48.53M | 28.35M |
| Tax provision | 26.73M | 31.43M | 14.20M | 20.29M | 15.73M |
| Interest income | 301.56M | 248.93M | 239.23M | 264.81M | 206.95M |
| Net interest income | 265.33M | 236.39M | 214.98M | 216.28M | 178.60M |
| Extraordinary items | - | - | - | - | 1.48M |
| Non recurring | - | - | - | - | - |
| Other items | - | - | - | - | - |
| Income tax expense | 26.73M | 31.43M | 14.20M | 20.29M | 14.25M |
| Total revenue | 320.23M | 303.61M | 269.26M | 263.10M | 223.90M |
| Total operating expenses | -171.70000M | -179.39300M | -217.59700M | -185.80300M | -140.11400M |
| Cost of revenue | - | - | - | - | 47.14M |
| Total other income expense net | -33.84600M | -12.53900M | -24.25200M | -48.52900M | -28.34600M |
| Discontinued operations | - | - | - | - | - |
| Net income from continuing ops | 87.95M | 92.78M | 37.47M | 57.00M | 41.19M |
| Net income applicable to common shares | 87.76M | 92.00M | 36.68M | 56.22M | 40.41M |
| Preferred stock and other adjustments | 0.20M | 0.78M | 0.78M | 0.78M | 0.78M |
| Breakdown | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total assets | 8964.42M | 7362.94M | 6696.17M | 6390.65M | 5521.81M |
| Intangible assets | 21.77M | 10.53M | 17.20M | 24.28M | 31.90M |
| Earning assets | - | - | 1758.19M | 1530.82M | 1282.81M |
| Other current assets | 275.74M | -687.39500M | 2964.36M | 2731.21M | 2523.24M |
| Total liab | 7974.27M | 6597.12M | 5859.79M | 5585.19M | 4771.69M |
| Total stockholder equity | 990.15M | 765.82M | 836.38M | 805.46M | 750.12M |
| Deferred long term liab | - | - | - | - | - |
| Other current liab | 6025.67M | -4.49400M | -0.26200M | -1.47800M | -3.67700M |
| Common stock | 0.45M | 0.39M | 0.39M | 0.38M | 0.38M |
| Capital stock | 0.45M | 0.39M | 10.82M | 10.82M | 10.82M |
| Retained earnings | 429.04M | 335.79M | 271.68M | 191.10M | 159.03M |
| Other liab | - | 4.20M | 1.40M | - | - |
| Good will | 181.71M | 148.35M | 148.35M | 148.35M | 148.35M |
| Other assets | - | 4020.13M | 2888.09M | 2674.79M | 2523.24M |
| Cash | 226.14M | 179.35M | 157.93M | 83.42M | 80.74M |
| Cash and equivalents | - | - | - | - | - |
| Total current liabilities | 6395.08M | 4.49M | 0.26M | 1.48M | 3.68M |
| Current deferred revenue | -22.23300M | - | - | - | - |
| Net debt | 327.64M | 572.08M | 472.21M | 674.27M | 446.60M |
| Short term debt | 369.41M | 14.39M | 15.63M | - | 0.00000M |
| Short long term debt | 11.25M | - | - | - | 0.00000M |
| Short long term debt total | 553.78M | 751.43M | 630.15M | 757.69M | 527.33M |
| Other stockholder equity | 660.78M | 547.18M | 562.18M | 585.50M | 580.97M |
| Property plant equipment | - | 56.80M | 62.55M | 86.73M | 96.14M |
| Total current assets | 275.74M | 1911.48M | 2087.23M | 1974.07M | 1503.97M |
| Long term investments | 1372.22M | 1204.30M | 1492.75M | 5733.74M | 1218.21M |
| Net tangible assets | - | 606.93M | 660.39M | 622.39M | 559.42M |
| Short term investments | 1342.48M | 1174.43M | 1454.54M | 1447.23M | 1186.29M |
| Net receivables | 736.84M | 717.21M | 474.75M | 443.42M | 236.94M |
| Long term debt | 487.65M | 751.43M | 630.15M | 109.79M | 37.33M |
| Inventory | -962.97100M | 4.72M | -87.91100M | 6.35M | 9.90M |
| Accounts payable | 22.23M | 4.49M | 0.26M | 1.48M | 3.68M |
| Total permanent equity | - | - | - | - | - |
| Noncontrolling interest in consolidated entity | - | - | - | - | - |
| Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
| Accumulated other comprehensive income | -100.11700M | -117.55000M | -8.30200M | 18.05M | -0.70000M |
| Additional paid in capital | - | - | - | - | - |
| Common stock total equity | - | 0.39M | 0.39M | 0.38M | 0.38M |
| Preferred stock total equity | - | - | 10.44M | 10.44M | 10.44M |
| Retained earnings total equity | - | 335.79M | 271.68M | 191.10M | 159.03M |
| Treasury stock | - | -51.11400M | -31.57000M | -1.66800M | - |
| Accumulated amortization | - | - | - | - | - |
| Non currrent assets other | 8014.10M | 11.35M | -1720.85500M | -1741.79000M | -1494.60100M |
| Deferred long term asset charges | - | - | - | - | - |
| Non current assets total | 8688.68M | 1431.33M | 1720.86M | 1741.79M | 1494.60M |
| Capital lease obligations | 14.27M | 14.39M | 15.63M | - | - |
| Long term debt total | - | 751.43M | 630.15M | 109.79M | 37.33M |
| Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Investments | -959.40400M | -521.79100M | -1216.42100M | -359.81600M | -477.55000M |
| Change to liabilities | 111.43M | -15.64800M | 29.50M | -5.32800M | -3.65300M |
| Total cashflows from investing activities | -819.85800M | -236.04800M | -886.35500M | -250.56200M | -369.39900M |
| Net borrowings | 120.68M | 243.73M | -263.64400M | 69.52M | 66.49M |
| Total cash from financing activities | 620.95M | 236.13M | 780.01M | 180.12M | 352.98M |
| Change to operating activities | 111.43M | -15.64800M | 29.50M | -15.62000M | -8.99700M |
| Net income | 87.95M | 92.78M | 37.47M | 57.00M | 41.19M |
| Change in cash | 21.42M | 74.51M | 2.68M | -41.12300M | 63.51M |
| Begin period cash flow | 157.93M | 83.42M | 80.74M | 121.86M | 58.35M |
| End period cash flow | 179.35M | 157.93M | 83.42M | 80.74M | 121.86M |
| Total cash from operating activities | 220.33M | 74.43M | 109.02M | 29.31M | 79.94M |
| Issuance of capital stock | 1.51M | 2.14M | 3.63M | 0.58M | 0.20M |
| Depreciation | 4.29M | 5.99M | 6.48M | 14.13M | 11.21M |
| Other cashflows from investing activities | 143.18M | 425.08M | 333.98M | 113.52M | 110.73M |
| Dividends paid | -13.59700M | -12.05200M | -6.49400M | -0.78300M | 0.78M |
| Change to inventory | - | - | - | - | -3757.28800M |
| Change to account receivables | -74.59100M | -30.44200M | 3.91M | -3.09700M | -0.16000M |
| Sale purchase of stock | -27.71200M | -28.86700M | -1.66800M | 3.73M | 2.54M |
| Other cashflows from financing activities | 22795.25M | 13924.50M | 10588.83M | 8641.96M | 6222.04M |
| Change to netincome | -2.38400M | -30.32100M | 23.54M | -10.12300M | 3.88M |
| Capital expenditures | 3.63M | 2.24M | 3.92M | 4.27M | 2.58M |
| Change receivables | -74.59100M | -30.44200M | 3.91M | -3.09700M | -0.16000M |
| Cash flows other operating | 82.09M | 36.12M | -8.31800M | -26.30000M | 23.65M |
| Exchange rate changes | - | - | - | - | - |
| Cash and cash equivalents changes | 21.42M | 74.51M | 2.68M | -41.12300M | 63.51M |
| Change in working capital | 36.84M | -46.09000M | 33.40M | -18.71700M | -9.15700M |
| Stock based compensation | 5.33M | 4.02M | 2.58M | 1.67M | 1.51M |
| Other non cash items | 60.36M | 17.78M | 38.19M | -23.88800M | 19.73M |
| Free cash flow | 216.70M | 72.19M | 105.11M | 25.05M | 77.36M |
Sector: Financial Services Industry: Banks - Regional
| Company | Change (USD) | Price (USD) | Trailing PE (x) | Forward PE (x) | Price Sales TTM (x) | Price to Book Value (x) | Enterprise Value to Revenue (x) |
|---|---|---|---|---|---|---|---|
| BY Byline Bancorp Inc |
-0.165 0.65% | 25.09 | 11.29 | 12.38 | 3.70 | 1.28 | 5.07 |
| HDB HDFC Bank Limited ADR |
-0.46 0.61% | 74.38 | 20.81 | 20.96 | 0.11 | 4.77 | |
| CIHKY China Merchants Bank Co Ltd |
0.60 1.76% | 34.68 | 6.61 | 5.68 | 0.48 | 0.77 | 3.43 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% | 6.50 | 6.10 | 5.67 | 0.44 | 0.77 | 3.43 |
| IBN ICICI Bank Limited |
-0.3 0.90% | 32.96 | 17.79 | 16.95 | 0.07 | 3.08 |
Byline Bancorp, Inc. operates as the bank holding company for Byline Bank that provides various banking products and services for small and medium sized businesses, commercial real estate and financial sponsors, and consumers in the United States. It offers various retail deposit products, including non-interest-bearing accounts, money market demand accounts, savings accounts, interest-bearing checking accounts, and time deposits; ATM and debit cards; and online, mobile, and text banking services, as well as commercial deposits. The company also provides term loans, revolving lines of credit, and construction financing services; senior secured financing solutions to private equity backed lower middle market companies; small business administration and united states department of agriculture loans; and treasury management products and services. In addition, it offers financing solutions for equipment vendors and their end users; syndication services; and investment, trust, and wealth management services that include fiduciary and executor services, financial planning solutions, investment advisory services, and private banking services for foundations and endowments, and high net worth individuals. The company was formerly known as Metropolitan Bank Group, Inc. and changed its name to Byline Bancorp, Inc. in 2015. Byline Bancorp, Inc. was founded in 1914 and is headquartered in Chicago, Illinois.
180 North LaSalle Street, Chicago, IL, United States, 60601
| Name | Title | Year Born |
|---|---|---|
| Mr. Roberto R. Herencia | Exec. Chairman & CEO | 1960 |
| Mr. Alberto J. Paracchini | Pres & Director | 1971 |
| Mr. Thomas Abraham | Pres of Small Bus. Capital | 1965 |
| Mr. Thomas J. Bell III | Sr. VP, Treasurer & CFO | 1966 |
| Mr. Nicolas Mando | Sr. VP & Chief Technology and Operations Officer | 1972 |
| Ms. Maria Sherylle A. Olano | Sr. VP & Chief Accounting Officer | NA |
| Mr. Brooks O. Rennie | Head of Investor Relations | NA |
| Ms. Ana Casanueva | Sr. VP, Director of Legal & Sec. of the Board | 1984 |
| Erin O'Neill | Director of Marketing | NA |
| Ms. Dana Traci | Exec. VP & Chief HR Officer | 1971 |
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