Citizens Financial Group Inc

Citizens Financial Group Inc

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Market Cap$30.61B
Close$

Compare to Similar Companies

P/E RatioDividendsReturn on EquityPrice-to-SalesDebt-to-Equity
Citizens Financial Group IncCitizens Financial Group Inc172.49%8%3-

Earnings Call Q2 2026

July 16, 2026 - AI Summary

Strong Q2 performance with ROCTE improvement (good): EPS $1.30 (+15% sequentially, +41% YoY); ROTCE 13.9% (vs 12.2% in prior quarter). Revenue strength drove >600 bps of positive operating leverage YoY; expenses rose only ~1% sequentially and efficiency ratio improved to 61%.
Net interest income/margin momentum + fee strength (good/surprising): NII up 4.4% QoQ (+14% YoY) with NIM expanding ~3 bps QoQ and ~10 bps lift through 1H. Non-interest income up 8% QoQ (+9% YoY), led by capital markets record quarter (fees up 14% QoQ, 46% YoY) and wealth fees at another record.
Credit trending favorably; DFAST viewed positively (good): Net charge-offs 37 bps (down from 39 bps). Non-accrual loans down 4% QoQ, driven by continued runoff of certain CRE exposures. Management highlighted Fed stress test results ranking among the best among regional peers; allowance stable with ACL coverage 1.48%.

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$76.64

Target Price by Analysts

5.8% upsideCitizens Financial Group Target Price DetailsTarget Price
$52.54

Current Fair Value

27.5% downside

Overvalued by 27.5% based on the discounted cash flow analysis.

Share Statistics

Market cap$30.61 Billion
Enterprise Value$19.01 Billion
Dividend Yield$1.80 (2.49%)
Earnings per Share$3.9
Beta1
Outstanding Shares422,871,137

Return

Return on Equity8.12%ROE
Return on Assets0.91%
Return on Invested Capital1.17%

Valuation & Multiples

P/E Ratio16.99P/E Ratio
PEG49.07PEG
Price to Sales3.02Price to Sales
Price to Book Ratio1.19Price to Book Ratio
Enterprise Value to Revenue1.81
Enterprise Value to EBIT7.01
Enterprise Value to Net Income8
Total Debt to Enterprise0.06
Debt to Equity0.04Debt to Equity

Revenue Sources

No data

Insider Trades

Last Earnings Call

Report Date
July 16, 2026
EPS Estimate
$1.25
Average shareholder expectation
Revenue Estimate
$2.25 B
Average shareholder expectation

Next Earnings Call

Expected Date
October 16, 2026
EPS Estimate
$1.40
Average shareholder expectation
Revenue Estimate
$2.34 B
Average shareholder expectation

Institutional Put/Call Ratio

Market sentiment based on institutional option activity.

Put/Call Ratio0.0000▼ 75.16%
Total Calls100,000▼ 95.48%
Total Puts-▼ 100.00%

Institutional Ownership

Holdings and activity of institutional investors.

Ownership %4.02%▼ 88.14%
Total Invested$1.20B▼ 94.97%
Investors Holding204▼ 848.00%

ESG Score

No data

About Citizens Financial Group Inc

17,496 employees

Citizens Financial Group, Inc. is one of the nation's oldest and largest financial institutions, with $179.2 billion in assets as of September 30, 2020. Headquartered in Providence, Rhode Island, Citizens offers a broad range of retail a...

Relevant Senate Committees

Joint Committee on Taxation

This committee provides the official revenue estimates and technical expertise for all tax bills. Its direct influence on corporate tax structures, capital investment credits, and the overall tax burden is fundamental to Citizens Financial Group's own financial performance and its clients' economic decisions.

Finance

This committee controls taxation, trade, and entitlement spending, driving corporate valuations through tax policy. Its decisions fundamentally impact Citizens Financial Group's profitability, its clients' financial health, and the overall economic environment in which it operates.

Banking, Housing, and Urban Affairs

This committee directly regulates the entire financial system, including bank capital requirements, cryptocurrency regulation, and real estate markets. It is the primary legislative body impacting Citizens Financial Group's core business, operations, and regulatory environment.