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Citizens Financial (1C5) Stock Price & Analysis

1C5 Stock Chart & Stats

€57.30-€0.43(-0.75%)
At close: 5:30 PM GMT+1
EUR 55EUR 60EUR 653 Aug17 Aug28 Aug15 Sep28 Sep13 Oct27 Oct
Day’s Range
EUR 57.30 - EUR 58.40
52-Week Range
EUR 42.29 - EUR 65.30
Previous Close
EUR 57.73
Volume
0
Average Volume (3M)
66
Market Cap
EUR 23.87B
Enterprise Value
EUR 34.22B
Total Cash (Recent Filing)
EUR 57.89B
Total Debt (Recent Filing)
EUR 17.83B
Price to Earnings (P/E)
12.8
Beta
0.57
Next Earnings
Jan 20, 2027 (Est.)
EPS Estimate
1.32
Next Dividend Ex-Date
N/A
Dividend Yield
2.98%

Bulls Say, Bears Say

Bulls Say

Profitability And Net Interest Margin Expansion

Improving net interest income and margin show stronger earnings power from the core banking franchise. If the guided margin expansion continues, it can support revenue growth and profitability over the next several quarters while reinforcing the benefit of a healthy asset and deposit base.

Diversified Growth In Private Banking And Wealth Management

Private banking and wealth management are adding higher-value, fee-generating businesses alongside traditional lending. Their deposit, loan, client-asset and fee growth broadens Citizens' revenue mix and can improve returns as these franchises scale across multiple markets.

Operating Leverage And Strategic Efficiency Program

The efficiency program provides a multi-year opportunity to improve the cost base and operating leverage. Its technology, simplification and productivity initiatives could make revenue growth more valuable by allowing a greater portion of incremental income to reach earnings over time.

Bears Say

Weaker Cash Generation And Higher Leverage

The sharp decline in free cash flow reduces internally generated funding capacity and makes earnings conversion less consistent. Combined with higher leverage, this leaves less balance-sheet flexibility to absorb credit or funding pressure and may constrain capital allocation during weaker conditions.

Deposit-cost Pressure And Interest-rate Sensitivity

Rising deposit costs can compress the spread between loan yields and funding expenses, particularly because commercial deposits reprice quickly. This creates ongoing sensitivity to interest-rate movements and could moderate the benefit of NIM expansion if funding competition remains elevated.

Commercial Loan Reduction And Targeted Credit Watch Items

Lower commercial balances limit near-term asset growth and earning-asset expansion, while higher early-stage delinquencies in some real-estate areas require continued monitoring. Even without broad credit stress, this mix can restrain growth and increase provisioning sensitivity.

Citizens Financial News

1C5 FAQ

What was Citizens Financial’s price range in the past 12 months?
Citizens Financial lowest stock price was €42.29 and its highest was €65.30 in the past 12 months.
What is Citizens Financial’s market cap?
Citizens Financial’s market cap is €23.87B.
When is Citizens Financial’s upcoming earnings report date?
Citizens Financial’s next earnings report is estimated for Jan 20, 2027 (not yet confirmed), which is in 79 days.
How were Citizens Financial’s earnings last quarter?
Citizens Financial released its earnings results on Oct 16, 2026. The company reported €1.259 earnings per share for the quarter, beating the consensus estimate of €1.24 by €0.019.
Is Citizens Financial overvalued?
According to Wall Street analysts Citizens Financial’s price is currently Undervalued.
Does Citizens Financial pay dividends?
Citizens Financial does not currently pay dividends.
What is Citizens Financial’s EPS estimate?
Citizens Financial’s EPS estimate is 1.32.
How many shares outstanding does Citizens Financial have?
Citizens Financial has 419,195,040 shares outstanding.
What happened to Citizens Financial’s price movement after its last earnings report?
Citizens Financial reported an EPS of €1.259 in its last earnings report, beating expectations of €1.24. Following the earnings report the stock price went up 0.709%.
Which hedge fund is a major shareholder of Citizens Financial?
Hedge funds hold Citizens Financial shares: the largest hedge-fund position in Citizens Financial is 685,282,052 shares, and hedge funds decreased their holdings by 950.8K shares last quarter.
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology