Citizens Financial Group Inc Dossier
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SectorFinancials IndustryBanks - Regional Beta (adjusted)1.00 Intrinsic Value Insufficient data for a value estimateNot enough reliable inputs to publish a fair value for this company yet. Market Price $63.70Price as of 1 Oct 2026 Data confidence Sign in to view data confidence Market Cap $26.8B Enterprise Value $29.3B Shares Outstanding 425.8M diluted Next Earnings Date16 Oct 2026 Last ex-dividend30 Jul 2026 All prices and values are periodic snapshots, not live quotes. Source dates are shown for reference. ThesisStreet consensus, scenarios, merits, risks, and invalidation triggers Thesis Summary Citizens entered the second half of 2026 with strong operating momentum: second-quarter EPS increased 41% year over year to $1.30, net interest income grew 4% sequentially, fees grew 8% sequentially and positive operating leverage reached 6.4%. Private Bank growth, record Wealth fees, record second-quarter Capital Markets fees and ongoing transformation initiatives provide further upside, while favorable credit trends support the near-term case. A Hold rating is appropriate because these strengths are balanced by macroeconomic, credit and execution uncertainty. This section is the 12-month view: analyst targets and the probability-weighted scenarios built from them. The intrinsic value at the top of this page answers a different question: what the business is worth today. Street view · analyst 12-month targets Low · most bearish analyst$70.00 Mean target$80.59 High · most bullish analyst$90.00 Our research · scenarios, merits, risks, and invalidation triggersResearch as of 2 Sep 2026 Scenarios · 12-month scenario targets Bear CaseDownside scenario $70.0018% Net interest income or fee growth stalls, operating leverage turns non-positive and macroeconomic or credit conditions deteriorate. Slower Private Bank growth or weak execution of transformation and digital initiatives would reduce the ability of strategic investments to offset cyclical pressure. Base CaseCentral scenario $80.5958% Matches the consensus meanOperating momentum remains constructive but moderates from the unusually strong second-quarter pace. Net interest income and fee revenue continue to support positive operating leverage, while credit remains manageable and strategic initiatives progress without materially exceeding expectations. Bull CaseUpside scenario $90.0024% Revenue momentum persists, with continued net interest income growth, sustained fee strength in Wealth and Capital Markets, further Private Bank expansion and successful execution of Reimagine the Bank and the new Consumer mobile platform. Favorable credit performance and continued positive operating leverage allow earnings growth to remain strong. Scenarios are anchored to street consensus at the research date, with our probabilities and rationale. Key Investment Merits
Key Investment Risks
All scenarios are estimates and subject to change. Past performance is not indicative of future results. Quality Pillars MembersThis section is available to registered members. Create a free account or sign in to unlock the full breakdown. Explore this dossierValuationIntrinsic value, the six-method breakdown, peer medians, and your assumptions sandbox.Financial SnapshotRevenue, profitability, returns, balance sheet, dividends, and the filing-level detail.Qualitative AnalysisBusiness overview, strategic initiatives, and mergers, acquisitions & partnerships.Outlook & Key DatesForward estimates, reporting calendar, and the monitoring framework. |