Citizens Financial Group Inc

Citizens Financial Group Inc

CFG

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Market Cap$26.69B
Close$

Compare to Similar Companies

P/E RatioDividendsReturn on EquityPrice-to-SalesDebt-to-Equity
Citizens Financial Group IncCitizens Financial Group Inc12.72.9%9%2.40.7

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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$78.73

Target Price by Analysts

20.9% upsideCitizens Financial Group Target Price DetailsTarget Price
$48.64

Current Fair Value

25.3% downside

Overvalued by 25.3% based on the discounted cash flow analysis.

Share Statistics

Market cap$26.69 Billion
Enterprise Value$30.96 Billion
Dividend Yield$1.84 (2.90%)
Earnings per Share$3.9
Beta1.06
Outstanding Shares421,148,362

Return

Return on Equity9.01%ROE
Return on Assets0.97%
Return on Invested Capital5.96%

Valuation & Multiples

P/E Ratio12.67P/E Ratio
PEG44.08PEG
Price to Sales2.41Price to Sales
Price to Book Ratio1.1Price to Book Ratio
Enterprise Value to Revenue2.66
Enterprise Value to EBIT10.73
Enterprise Value to Net Income13
Total Debt to Enterprise0.58
Debt to Equity0.71Debt to Equity

Revenue Sources

No data

Insider Trades

Last Earnings Call

Report Date
October 16, 2026
EPS Estimate
$1.39
Average shareholder expectation
Revenue Estimate
$2.34 B
Average shareholder expectation

Next Earnings Call

Expected Date
January 21, 2027
EPS Estimate
$1.48
Average shareholder expectation
Revenue Estimate
$2.40 B
Average shareholder expectation

Institutional Put/Call Ratio

Market sentiment based on institutional option activity.

Put/Call Ratio0.0000▼ 67.00%
Total Calls-▼ 100.00%
Total Puts-▼ 100.00%

Institutional Ownership

Holdings and activity of institutional investors.

Ownership %3.29%▼ 94.83%
Total Invested$886.86M▼ 96.95%
Investors Holding139▼ 999.00%

ESG Score

No data

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...