Análisis opcionales del producto
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Citizens Financial Group Inc.'s published Hold conclusion compares the analysis-date price with fair value and potential value. Read the full report for assumptions, evidence, and material risks.
| Market cap | $27.2B | |
|---|---|---|
| Revenue (ttm) | 8.4B | |
| Net income (ttm) | 2.1B | |
| EPS (ttm) | $4.95 | |
| Shares out | 421.2M | |
| P/E (trailing) | 13.2x | |
| P/E (forward) | 9.9x | |
| Dividend | $2.08 (3.19%) | |
| Volume | 2,318,012 | |
| Beta | 1.06 |
Recent price action with selectable time range.
| Item | P1 | P2 | P3 | P4 | P5 | Trend |
|---|---|---|---|---|---|---|
| Period | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 | Trend |
| Revenue | $1.33B | $1.30B | $1.27B | $1.53B | $1.64B | +5.4% |
| Gross profit | $7.06B | $7.55B | $7.54B | $7.11B | $7.78B | +2.5% |
| Operating income | $2.98B | $2.66B | $2.03B | $1.89B | $2.33B | -6.0% |
| Net income | $2.32B | $2.07B | $1.61B | $1.51B | $1.83B | -5.7% |
| EPS (diluted) | $5.16 | $4.10 | $3.13 | $3.03 | $3.86 | -7.0% |
| EBITDA | $3.60B | $3.22B | $2.51B | $2.39B | $2.69B | -7.0% |
| R&D | — | — | — | — | — | — |
| SG&A | $2.20B | $2.65B | $2.76B | $2.82B | $2.93B | +7.4% |
Recent company headlines from major financial publishers.
The Base case models a steady regional banking recovery with a target of $64.11, carrying an estimated probability of 50.0% and an implied return of -0.7% relative to $64.57. For this path to hold, Citizens must sustain net new deposit inflows through its Private Bank and affluent household relationships, keeping interest-bearing deposit costs contained while contractual loan and securities repricing expands operating margins. The house rating of Hold reflects Fair value of $64.11, indicating the shares trade near intrinsic value. Disconfirmation would occur if deposit competition forces cumulative deposit betas significantly higher or if commercial office charge-offs accelerate, which investors would observe through quarterly earnings releases over the next several fiscal quarters.
The Bull case envisions accelerated operating leverage delivering a target of $107.01, carrying an estimated probability of 25.0% and an implied return of 65.7%, aligned with Potential value of $107.01. For this scenario to materialize, consumer deposit costs must remain subdued while fixed-rate asset repricing exceeds expectations, propelling the operating efficiency ratio into the low-fifties and lifting return on tangible common equity well above management guidance. Disconfirmation would arise if corporate lending spreads face renewed compression or if deposit inflows stall, visible through margin metrics in upcoming financial disclosures.
| Ke ↓ / g → | 2.0% | 2.3% | 2.5% | 2.8% | 3.0% |
|---|---|---|---|---|---|
| 7.7% | $69.1 | $70.6 | $72.2 | $73.9 | $75.9 |
| 8.2% | $65.3 | $66.5 | $67.8 | $69.3 | $70.8 |
| 8.7% | $62.0 | $63.0 | $64.1 | $65.3 | $66.6 |
| 9.2% | $59.1 | $59.9 | $60.9 | $61.9 | $63.0 |
| 9.7% | $56.5 | $57.2 | $58.0 | $58.9 | $59.8 |
Upcoming earnings date and setup when available.
La calificación que llevaba la edición de análisis publicada cada mes. Una calificación compara el precio en la fecha del análisis con el valor razonable; no es un registro de si la valoración acertó.
| Año | ene | feb | mar | abr | may | jun | jul | ago | sept | oct | nov | dic |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 |
