Citizens Financial (1C5) Stock Price & Analysis
1C5 Stock Chart & Stats
- 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
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Citizens Financial Stock Smart Score
Company Description
Citizens Financial
Citizens Financial Group, Inc. (CFG) functions as the holding company for Citizens Bank, National Association, a major financial institution offering a comprehensive suite of retail and commercial banking solutions across the United States. It serves a broad spectrum of clients, from individual consumers and small enterprises to large corporations and various institutions. Its business is segmented into two primary divisions: Consumer Banking and Commercial Banking. The Consumer Banking division delivers a robust array of products, encompassing deposit accounts, mortgage and home equity lending, credit cards, and business loans for smaller entities. It also provides wealth management, investment services, and specialized financing for areas like auto, education, and point-of-sale purchases, alongside digital deposit solutions. Clients engage with this segment through contact centers and its advanced online and mobile banking platforms. Conversely, the Commercial Banking segment provides sophisticated financial solutions designed for corporate and institutional clients. These include a wide range of lending and leasing products, treasury and deposit management services, foreign exchange, and risk mitigation tools for interest rates and commodities. Additionally, it offers syndicated loans, corporate finance advice, merger and acquisition (M&A) assistance, and capital markets services for debt and equity. Its client roster spans numerous industries, such as government, non-profit, healthcare, technology, professional services, energy (oil and gas), asset and franchise finance, asset-based lending, commercial real estate, private equity, and sponsor finance. The company boasts a substantial physical presence, operating approximately 1,200 branches across 14 states and the District of Columbia. Complementing these are 114 non-branch retail and commercial offices in key national markets and a network of roughly 3,300 automated teller machines. Founded in 1828, Citizens Financial Group, Inc. is headquartered in Providence, Rhode Island. It adopted its current name in April 2014, having previously operated as RBS Citizens Financial Group, Inc.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Bruce Winfield Van Saun
- Employees
- 17,609
- Website
- www.citizensbank.com
- Address
- One Citizens Plaza, Providence, RI, 02903, US
Citizens Financial (1C5) Earnings & Revenues
1C5 Company Deck
1C5 Earnings Call
Earnings Call SentimentPositive
The call was strongly positive overall. Highlights significantly outweighed the challenges, with record revenue, accelerating EPS and ROTCE, expanding NIM, strong capital-markets and private-bank momentum, resilient credit, and favorable fourth-quarter and medium-term targets. The main cautions were fee softness, rate-driven deposit-cost pressure, AOCI-related capital volatility, commercial-loan reductions, macroeconomic uncertainty, and ongoing one-time program costs.
View all DE:1C5 earnings summaries1C5 Net sales Breakdown
- 70.97% Net interest income
- 29.03% Noninterest income
1C5 Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 7 | 4 | 11 |
| Technical Analysis | 4 | 4 | 2 |
| Moving Averages | 3 | 0 | 9 |











