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Citizens Financial Group Inc says its private bank, already contributing 11% of EPS, plans to open seven offices next year and grow to 30 over time, while targeting more than $30 billion in client assets in the medium term.
On October 28, 2026, Citizens Financial Group, Inc. approved dismissing Deloitte & Touche LLP after the fiscal year ended December 31, 2026 and engaging PricewaterhouseCoopers LLP for fiscal year ending December 31, 2027, subject to client acceptance.
Citizens Financial Group Inc reported nine-month net interest income of $4,868 million and provision expense of $399 million for the period ended September 30, 2026, while total assets reached $234.5 billion.
Citizens Financial Group reported Q3 EPS of $1.41, up 8.5% sequentially, with record total revenues, NIM up two basis points to 3.19%, and ROTCE of 15.1%. The Board raised the dividend 13% to $0.52 and increased the buyback capacity by $1.3 billion to $1.95 billion.
Citizens Financial Group reported third quarter 2026 net income of $636 million, up 29% YoY, and EPS of $1.41, up 34% YoY, with ROTCE of 15.1%. The board raised the quarterly dividend 13% to $0.52 per share and increased the share repurchase program capacity to $1.95 billion.
Useful current figures from the complete screener profile.
* Q4 derived as the full year minus Q1 to Q3.
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Still-open targets the latest release did not restate under the same label.
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Illustrative technical + ownership context — a signal mix, not investment advice.
| Metric | Latest | Period | YoY |
|---|---|---|---|
| Allowance for credit losses ratio | 1.47% | September 30, 2026 | — |
| Allowance for credit losses to loans and leases | 1.47% | 3Q26 | — |
| Allowance for credit losses to nonaccrual loans and leases ratio | 149% | September 30, 2026 | — |
| Allowance for loan and lease losses to loans and leases | 1.29% | Sept 30, 2026 | — |
| Annualized net charge-off rate (Total loans and leases) | 0.37% | 3Q26 | — |
| ATMs | 3,000 | September 30, 2026 | — |
| Average deposits | $183.7B | 3Q26 | — |
| Average diluted shares outstanding | 425.7M | 3Q26 | — |
| Average interest-earning assets | $208.9B | 3Q26 | — |
| Average loans | $147.4B | 3Q26 | — |
| Branches | 1,000 | September 30, 2026 | — |
| CET1 capital ratio | 10.5% | Sept 30, 2026 | — |
| CET1 Ratio adjusted for AOCI opt-out removal non-GAAP | 8.7% | 3Q26 | — |
| Common dividends paid | $197M | 3Q26 | — |
| Common equity tier 1 capital | $18.7B | 3Q26 | — |
| Common equity tier 1 capital ratio | 10.5% | 3Q26 | — |
| Common equity tier 1 ratio | 10.5% | 3Q26 | — |
| Common stock dividend | $0.52 | 3Q26 | — |
| Common stock repurchased | $125M | 3Q26 | — |
| Full-time equivalents (FTEs) | 17,609 | 3Q26 | — |
| Loan-to-deposit ratio (average balances) | 142.83% | 3Q26 | — |
| Loan-to-deposit ratio (period-end balances) | 137.67% | 3Q26 | — |
| Loan-to-deposit ratio (period-end) | 80% | 3Q26 | — |
| Loan-to-deposit ratio (spot) | 80% | 3Q26 | — |
| Loans and leases 90 days or more past due and accruing (Total) | $165M | Sept 30, 2026 | — |
| Net charge-offs | $137M | 3Q26 | — |
| Net charge-offs (basis points of average loans and leases) | 37 | third quarter 2026 | — |
| Net charge-offs as a % of total loans and leases | 0.37% | 3Q26 | — |
| Net interest margin on an FTE basis (non-GAAP) non-GAAP | 3.17% | Nine months ended September 30, 2026 | — |
| Non-Core portfolio | $1.3B | 3Q26 | — |
| Nonaccrual loans and leases | $1.46B | 3Q26 | — |
| Nonaccrual loans and leases to loans and leases | 0.99% | 3Q26 | — |
| Nonaccrual loans to total loans ratio | 0.99% | third quarter 2026 | — |
| Operating leverage non-GAAP | 1.83% | 3Q26 | — |
| Positive Operating Leverage | 5.3% | 3Q26 | — |
| Pre-provision profit (non-GAAP) non-GAAP | $2.61B | Nine months ended September 30, 2026 | — |
| Private Bank Contribution to total CFG Diluted EPS | $0.16 | 3Q26 | — |
| Private Bank deposits | $18.5B | 3Q26 | — |
| Private Bank spot deposits | $18.5B | 3Q26 | — |
| Private Bank Transactional assets | $1.8B | 3Q26 | — |
| Return on average common equity (GAAP) | 10.05% | 3Q26 | — |
| Return on average tangible common equity (non-GAAP) non-GAAP | 13.73% | Nine months ended September 30, 2026 | — |
| Return on average total tangible assets (non-GAAP) non-GAAP | 1.06% | Nine months ended September 30, 2026 | — |
| Risk-weighted assets | $177.3B | 3Q26 | — |
| ROTCE | 15.1% | 3Q26 | — |
| Tangible book value per share | $35.78 | 3Q26 | — |
| Tangible common equity (average) non-GAAP | $15.76B | 3Q26 | — |
| Tangible common equity ratio (non-GAAP) non-GAAP | 6.7% | Nine months ended September 30, 2026 | — |
| Tier 1 capital ratio | 11.8% | 3Q26 | — |
| Tier 1 leverage ratio | 9.2% | Sept 30, 2026 | — |
| Total ACL ratio | 1.47% | 3Q26 | — |
| Total capital ratio | 13.7% | Sept 30, 2026 | — |
| Total capital returned to shareholders | $322M | 3Q26 | — |
| Total Client Assets | $12.4B | 3Q26 | — |
| Total Commercial loans excluding Private Bank - at period-end | $69.54B | 3Q26 | — |
GAAP → non-GAAP reconciliationGAAP Total Commercial loans - at period-end 77.22B
-7.68B Less: Private bank commercial loans - at period-end
= Total Commercial loans excluding Private Bank - at period-end 69.54B
|
|||
| Total gross charge-offs | $164M | 3Q26 | — |
| Total nonaccrual loans and leases | $1.46B | Sept 30, 2026 | — |
| Total Retail loans excluding Private Bank and non-core - at period-end | $65.76B | 3Q26 | — |
GAAP → non-GAAP reconciliationGAAP Total Retail loans - at period-end 71B
-1.28B Less: Non-core retail loans - at period-end
-3.97B Less: Private bank retail loans - at period-end
= Total Retail loans excluding Private Bank and non-core - at period-end 65.76B
|
|||
| Total tangible common equity non-GAAP | $15.07B | Sept 30, 2026 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
CFG
this stock
Citizens Financial Group Inc
|
$27.36B | +11.7% | +5.6% | 13.2 | 3.8% |
|
HDB
Hdfc Bank Ltd
|
$132.87B | -29.3% | -3.2% | — | 0.8% |
|
MFG
Mizuho Financial Group Inc
|
$124.83B | +41.3% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$123.94B | +15.8% | — | — | 0.5% |
|
USB
US Bancorp \De\
|
$95.04B | +14.3% | +4.4% | 11.9 | 1.7% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
Citizens Financial Group Inc says its private bank, already contributing 11% of EPS, plans to open seven offices next year and grow to 30 over time, while targeting more than $30 billion in client assets in the medium term.
View| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| CFG | +3.2% | +3.0% | +2.5% | +2.3% | +11.7% |
| SPY | +2.6% | -1.2% | +0.5% | -0.2% | +10.6% |
| vs SPY | +0.6% | +4.2% | +2.0% | +2.5% | +1.1% |
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
