Citizens Financial Group Inc
CFG
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+ FollowMarket Cap$30.73B
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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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$52.73
28.8% downside
Current Fair Value
28.8% downsideOvervalued by 28.8% based on the discounted cash flow analysis.
Share Statistics
| Market cap | $30.73 Billion |
|---|---|
| Enterprise Value | $19.13 Billion |
| Dividend Yield | $1.84 (2.53%) |
| Earnings per Share | $3.9 |
| Beta | 1 |
| Outstanding Shares | 422,871,137 |
Return
| Return on Equity | 8.12% |
|---|---|
| Return on Assets | 0.91% |
| Return on Invested Capital | 1.17% |
Valuation & Multiples
| P/E Ratio | 15.66 |
|---|---|
| PEG | 45.22 |
| Price to Sales | 3.09 |
| Price to Book Ratio | 1.21 |
| Enterprise Value to Revenue | 1.82 |
| Enterprise Value to EBIT | 7.06 |
| Enterprise Value to Net Income | 8 |
| Total Debt to Enterprise | 0.06 |
| Debt to Equity | 0.04 |
Revenue Sources
No data
Insider Trades
Last Earnings Call
Report Date
July 16, 2026
EPS Estimate
$1.24
Average shareholder expectationRevenue Estimate
$2.25 B
Average shareholder expectationNext Earnings Call
Expected Date
October 16, 2026
EPS Estimate
$1.40
Average shareholder expectationRevenue Estimate
$2.34 B
Average shareholder expectationInstitutional Put/Call Ratio
Market sentiment based on institutional option activity.
| Put/Call Ratio | 0.4614▼ 29.03% |
|---|---|
| Total Calls | 332,700▼ 84.96% |
| Total Puts | 153,500▼ 90.77% |
Institutional Ownership
Holdings and activity of institutional investors.
| Ownership % | 31.85%▼ 60.31% |
|---|---|
| Total Invested | $9.49B▼ 60.13% |
| Investors Holding | 618▼ 434.00% |
ESG Score
No data
About Citizens Financial Group Inc
17,496 employeesCitizens 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...