Financial Performance
5Y price score: 87
The price score is a basic measure of the stock's performance against the S&P 500 Index over a five-year period.
A score of 100 indicates that the stock did as well as the S&P 500 Index.
A score below 100 means the stock underperformed the index, while a score above 100 means it outperformed the S&P 500.
10Y return: 275.5%
US$ Per
Share
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47.9
52-week range
74.7
Your model inputs
Your fair value & Margin of safety
To calculate fair value based on cost of capital and terminal growth assumptions above, please select free cash flow forecast.
Forecast:
Valuation
Free Cash Flow Yield
7.3 %
Dividend Yield TTM
2.5 %
Market cap $
$ 31,340
Price / Earnings TTM
16.1
Price / Book TTM
1.2
PEG TTM
0.6
Earnings growth and return
LTM
5YR
10YR
Total return (price & dividends)
56.2 %
84 %
275.5 %
Free cash flow per share growth
12.9 %
28,711.2 %
170.7 %
Earnings per share growth
27.4 %
73.9 %
149 %
Founded: 1,828
Employees: 17,315
Business Summary:
Latest Earnings Call Takeaways
2026 Q2 (Jul 16, 2026)
1) Strong Financial Performance
- EPS grew 15% sequentially and 41% year-on-year, reaching $1.30.
- ROTCE improved to 13.9%, up from 12.2% in the previous quarter.
- Net Interest Income (NII) increased by 4.4% sequentially and 14% year-on-year, driven by net interest margin (NIM) expansion and loan growth.
- Fee revenues rose 8% sequentially and 9% year-on-year, with capital markets achieving record performance.
2) Operational Highlights and Strategic Initiatives
- The private bank contributed significantly, with deposits at $17.8 billion and loans at $9.7 billion, representing 11.5% of total EPS.
- The "Reimagine the Bank" initiative is progressing well, focusing on technology adoption and operational efficiency.
- The NEXT program aims to optimize the branch network by adding specialists and enhancing locations to drive retail growth.
- The bank is focused on expanding its commercial banking capabilities and maintaining a strong deal pipeline.
3) Credit Quality and Risk Management
- Credit trends remain favorable, with net charge-offs at 37 basis points, down from 39 basis points.
- Non-accrual loans decreased by 4% linked quarter, primarily due to a reduction in commercial real estate.
- The bank's stress test results were strong, ranking third-best among regional peers, reflecting improved balance sheet management.
4) Guidance and Outlook
- For Q3 2026, NII is expected to grow by 2.5% to 3.5%, driven by continued NIM expansion.
- The bank anticipates stable to slightly increased expenses and stable charge-off levels.
- Full-year revenue is trending above initial guidance, with a clear path to achieve the 16% to 18% ROTCE target by the end of 2027.
5) Conclusion and Investor Considerations
- The call did not provide specific figures on future loan growth rates or detailed metrics on the impact of the NEXT program.
- Bottom line: Citizens Financial Group is demonstrating strong financial momentum with robust growth in EPS and NII, supported by strategic initiatives in the private banking and commercial sectors, positioning the bank favorably for continued performance and shareholder returns.
Annual Reports, Presentations And IR Contacts
Go to the websiteCitizens Financial Group — Financial Overview, Stock Price, Market Cap
Citizens Financial Group is a company. Founded in 1828. As of August 14, 2026, the company's market capitalization is $31339785020 with a current stock price of $74.11.