Christine Cumming - Citizens Financial Independent Director
| CFG Stock | USD 46.03 2.28 4.72% |
Director
Ms. Christine M. Cumming serves as Independent Director of the Company. Until her retirement in June 2015, Ms. Cumming was First Vice President of the Federal Reserve Bank of New York, the second ranking officer in the FRBNY, and served as its Chief Operating Officer, as well as an alternate voting member of the Federal Open Market Committee. Prior to holding that position, Ms. Cumming was executive vice president and director of research with responsibility for the Research and Market Analysis Group. Previously, she served as senior vice president responsible for the Bank Analysis and Advisory and Technical Services Functions in the Bank Supervision Group. In 1992, she was appointed vice president and assigned to Domestic Bank Examinations in Bank Supervision. She also was active in the work of the Basel Committee, including as cochair of the Risk Management Group and chair of the task forces on supervisory matters for the Joint Forum, made up of banking, securities and insurance regulators. From 2011 to April 2015, Ms. Cumming chaired the CrossBorder Crisis Management Group, which coordinated recovery and resolution planning for large, global financial institutions for the Resolution Steering Group of the G20s Financial Stability Board. Ms. Cumming joined the FRBNYs staff in September 1979 as an economist in the International Research Department, and later in the FRBNYs International Capital Markets staff. Ms. Cumming also serves on the board of American Family Insurance Mutual Holding Company which she joined in February 2016 and teaches part time at Colombia Universitys SIPA and Rutgers University. She has also served on the boards of our subsidiaries CBNA and CBPA since October 2015 since 2015.
| Age | 68 |
| Tenure | 9 years |
| Professional Marks | Ph.D |
| Address | One Citizens Plaza, Providence, RI, United States, 02903 |
| Phone | 203 900 6715 |
| Web | https://www.citizensbank.com |
Citizens Financial Management Efficiency
The current Return On Tangible Assets is estimated to decrease to 0. The current Return On Capital Employed is estimated to decrease to 0.000035. At this time, Citizens Financial's Asset Turnover is most likely to slightly decrease in the upcoming years. Citizens Financial's management efficiency ratios could be used to measure how well Citizens Financial manages its routine affairs as well as how well it operates its assets and liabilities.Similar Executives
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Management Performance
| Return On Equity | 0.0543 | ||||
| Return On Asset | 0.0058 |
Citizens Financial Group, Leadership Team
Elected by the shareholders, the Citizens Financial's board of directors comprises two types of representatives: Citizens Financial inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Citizens. The board's role is to monitor Citizens Financial's management team and ensure that shareholders' interests are well served. Citizens Financial's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Citizens Financial's outside directors are responsible for providing unbiased perspectives on the board's policies.
| Eric Schuppenhauer, President of Consumer Lending and National Banking | ||
| Brendan Coughlin, Executive Vice President and Head of Consumer Banking | ||
| Elizabeth Johnson, Chief VP | ||
| Stephen Gannon, Executive Vice President, General Counsel and Chief Legal Officer | ||
| Charles Koch, Independent Director | ||
| Thomas Metzger, Head Manager | ||
| Leo Higdon, Independent Director | ||
| Malcolm Griggs, Executive Vice President Chief Risk Officer | ||
| Howard Hanna, Independent Director | ||
| C Read, Executive Vice President Chief Accounting Officer, Controller | ||
| Michael Ruttledge, Executive Vice President, Chief Information Officer | ||
| Robert Leary, Independent Director | ||
| Michele Siekerka, Independent Director | ||
| Marita Zuraitis, Independent Director | ||
| William Hankowsky, Independent Director | ||
| Susan LaMonica, Chief Human Resource Officer, Executive Vice President | ||
| Donald III, Senior Division | ||
| Craig Read, Chief VP | ||
| Beth Johnson, Executive Vice President and Chief Experience Officer | ||
| Christopher Schnirel, Chief Controller | ||
| Theodore Swimmer, Head Markets | ||
| Kristin Silberberg, Head Relations | ||
| Terrance Lillis, Independent Director | ||
| Donald McCree, Vice Chairman - Commercial Banking | ||
| Christine Cumming, Independent Director | ||
| Wendy Watson, Independent Director | ||
| Christopher Swift, Independent Director | ||
| Mary Baker, Executive Vice President and Head of Business Services | ||
| Edward Kelly, Independent Director | ||
| Kevin Cummings, Independent Director | ||
| John Woods, Vice Chairman of the Board, Chief Financial Officer, Executive Vice President | ||
| Lee Alexander, Independent Director | ||
| Bruce Saun, Chairman, CEO and Chairman of Executive Committee | ||
| Shivan Subramaniam, Independent Director | ||
| Polly Klane, General Counsel, Chief Legal Officer |
Citizens Stock Performance Indicators
The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is Citizens Financial a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.
| Return On Equity | 0.0543 | ||||
| Return On Asset | 0.0058 | ||||
| Profit Margin | 0.18 % | ||||
| Operating Margin | 0.27 % | ||||
| Current Valuation | 23.73 B | ||||
| Shares Outstanding | 440.7 M | ||||
| Shares Owned By Insiders | 0.67 % | ||||
| Shares Owned By Institutions | 97.20 % | ||||
| Number Of Shares Shorted | 18.43 M | ||||
| Price To Earning | 11.73 X |
Currently Active Assets on Macroaxis
When determining whether Citizens Financial Group, is a strong investment it is important to analyze Citizens Financial's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Citizens Financial's future performance. For an informed investment choice regarding Citizens Stock, refer to the following important reports:Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Citizens Financial Group,. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census. You can also try the Cryptocurrency Center module to build and monitor diversified portfolio of extremely risky digital assets and cryptocurrency.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Citizens Financial. If investors know Citizens will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Citizens Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.09) | Dividend Share 1.68 | Earnings Share 2.55 | Revenue Per Share 15.568 | Quarterly Revenue Growth (0.06) |
The market value of Citizens Financial Group, is measured differently than its book value, which is the value of Citizens that is recorded on the company's balance sheet. Investors also form their own opinion of Citizens Financial's value that differs from its market value or its book value, called intrinsic value, which is Citizens Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Citizens Financial's market value can be influenced by many factors that don't directly affect Citizens Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Citizens Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Citizens Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Citizens Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.