Citizens Financial Group Inc
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+ FollowMarket Cap$26.88B
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Earnings Call Q3 2026
October 16, 2026 - AI Summary
Strong Q3 performance + accelerating profitability
- EPS: $1.41, up 8.5% sequentially and 34% year-over-year
- ROTCE: improved to 15.1% (from 13.9% in Q2)
- Operating leverage: +1.8% sequential and +5.3% year-over-year
- Revenues: hit a record level; NII up 2.7% sequentially and up 13% YoY
- NIM: 3.19%, up 2 bps vs. last year; management expects continued NIM expansion
Balance sheet / capital strength; shareholders returned more capital
- Capital: CET1 ended at ~10.5% (top end of their target range 10%–10.5%); they note lower AOCI-adjusted CET1 but say they remain comfortable
- Shareholder returns (Q3): ~$322M total ($197M dividends + $125M buybacks)
- Dividend: increased 13% to $0.52/share
- Repurchase authorization: increased capacity to $1.95B (increase of $1.3B)
- AOCI-adjusted CET1: 8.7% (with TCE 6.7%)
Guidance & outlook (Q4 and medium-term)
- Q4 outlook:
- NII: expected +2.5% to +3%
- NIM: guided to 3.23%–3.26%
- Noninterest income: +4% to +5% (driven by capital markets + wealth)
- Expenses: up ~1%
- Credit costs/charge-offs: expected stable to slightly down
- End-of-year CET1: 10.6%–10.7%
- Share repurchases: ~$200M expected in the quarter
- 2027 medium-term posture: maintain confidence in reaching 16%–18% ROTCE by end of 2027
- NIM into 2027 (for context): projected 3.30%–3.50% in Q4 2027
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$49.18
25.4% downside
Current Fair Value
25.4% downsideOvervalued by 25.4% based on the discounted cash flow analysis.
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Share Statistics
| Market cap | $26.88 Billion |
|---|---|
| Enterprise Value | $31.15 Billion |
| Annual dividend | $1.90 |
| Dividend yield | 2.98% |
| Earnings per Share | $3.9 |
| Beta | 1.06 |
| Outstanding Shares | 421,148,362 |
Return
| Return on Equity | 9.01% |
|---|---|
| Return on Assets | 0.97% |
| Return on Invested Capital | 5.96% |
Valuation & Multiples
| P/E Ratio | 12.76 |
|---|---|
| PEG | 44.4 |
| Price to Sales | 2.44 |
| Price to Book Ratio | 1.12 |
| Enterprise Value to Revenue | 2.67 |
| Enterprise Value to EBIT | 10.79 |
| Enterprise Value to Net Income | 13 |
| Total Debt to Enterprise | 0.57 |
| Debt to Equity | 0.71 |
Revenue Sources
No data
Last Earnings Call
Report Date
October 16, 2026
EPS Estimate
$1.39
Consensus analyst estimateRevenue Estimate
$2.34 B
Consensus analyst estimateNext Earnings Call
Expected Date
January 21, 2027
EPS Estimate
$1.48
Consensus analyst estimateRevenue Estimate
$2.40 B
Consensus analyst estimateInstitutional Put/Call Ratio
Compares institutional put options with call options. At 0.00, the ratio is below 1, so institutions hold more calls than puts.
| Put/Call Ratio | 0.0000▼ 67.00% |
|---|---|
| Total Calls | 100,000▼ 94.74% |
| Total Puts | -▼ 100.00% |
Institutional Ownership
Holdings and activity of institutional investors.
| Ownership % | 6.96%▼ 91.16% |
|---|---|
| Total Invested | $1.88B▼ 93.54% |
| Investors Holding | 390▼ 752.00% |
About Citizens Financial Group Inc
17,496 employees
CEO: Bruce Winfield Van Saun
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...