Citizens Financial Group Inc

Citizens Financial Group Inc

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Market Cap$26.33B
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Compare to Similar Companies

P/E RatioDividendsReturn on EquityPrice-to-SalesDebt-to-Equity
Citizens Financial Group IncCitizens Financial Group Inc13.42.89%8%2.60.5

Earnings Call Q1 2026

April 16, 2026 - AI Summary

Strong First Quarter Results: Citizens Financial Group reported an impressive 47% year-over-year growth in earnings per share (EPS), reaching $1.13, alongside a return on tangible common equity (ROTCE) of 12.2%. This performance came despite the challenging macroeconomic environment, illustrating robust financial health and effective management.
NIM and NII Outlook: The net interest margin (NIM) expanded by 24 basis points to 3.14%, with expectations of an NII growth rate of 3% to 4% for the second quarter. The bank anticipates maintaining a healthy NIM range of 322 to 328 basis points by Q4 2026, benefiting from asset sensitivity and optimization of deposits, even in an environment with no rate cuts expected.
Opportunities in Capital Markets: Citizens achieved record capital markets fees in Q1, with strong performance in M&A, equity underwriting, and bond underwriting. The expectation for annual fee growth is projected at 6% to 8% for 2026, supported by a robust pipeline of new initiatives and deals postponed from Q1 into Q2.

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$72.20

Target Price by Analysts

17.3% upsideCitizens Financial Group Target Price DetailsTarget Price
$50.62

Current Fair Value

17.7% downside

Overvalued by 17.7% based on the discounted cash flow analysis.

Share Statistics

Market cap$26.33 Billion
Enterprise Value$26.31 Billion
Dividend Yield$1.80 (2.89%)
Earnings per Share$3.9
Beta1.04
Outstanding Shares425,344,491

Return

Return on Equity7.55%ROE
Return on Assets0.87%
Return on Invested Capital1.10%

Valuation & Multiples

P/E Ratio13.41P/E Ratio
PEG34.73PEG
Price to Sales2.56Price to Sales
Price to Book Ratio1.01Price to Book Ratio
Enterprise Value to Revenue2.55
Enterprise Value to EBIT10.48
Enterprise Value to Net Income13
Total Debt to Enterprise0.47
Debt to Equity0.47Debt to Equity

Revenue Sources

No data

Insider Trades

Last Earnings Call

Report Date
April 16, 2026
EPS Estimate
$1.10
Average shareholder expectation
Revenue Estimate
$2.16 B
Average shareholder expectation

Next Earnings Call

Expected Date
July 16, 2026
EPS Estimate
$1.26
Average shareholder expectation
Revenue Estimate
$2.25 B
Average shareholder expectation

Institutional Put/Call Ratio

Market sentiment based on institutional option activity.

Put/Call Ratio0.7516▼ 5.35%
Total Calls2,212,100▲ 18.78%
Total Puts1,662,700▲ 10.88%

Institutional Ownership

Holdings and activity of institutional investors.

Ownership %92.10%▼ 3.24%
Total Invested$23.78B▼ 0.92%
Investors Holding1,045▲ 42.00%

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.