선택적 제품 분석
허용하는 경우 개인정보 보호를 고려한 제한적 분석을 사용해 어떤 리서치 여정이 효과적인지 파악합니다. 광고 추적기나 세션 녹화는 사용하지 않습니다. 환경설정에서 이 선택을 변경할 수 있습니다. 자세한 내용은 개인정보 처리방침.
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.
매월 발행된 리서치 판이 부여한 등급입니다. 등급은 분석 시점의 가격을 공정 가치와 비교한 것이며, 판단이 맞았는지에 대한 기록이 아닙니다.
| 연도 | 1월 | 2월 | 3월 | 4월 | 5월 | 6월 | 7월 | 8월 | 9월 | 10월 | 11월 | 12월 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 |
