0HYP Stock Chart & Stats
$71.91
-$1.04(-1.45%)
At close: 4:00 PM EDT
$71.91
-$1.04(-1.45%)
Day’s Range― - ―
52-Week Range$45.91 - $75.34
Previous CloseN/A
Volume657.00
Average Volume (3M)4.27K
Market Cap
$30.85B
Enterprise Value$35.60K
Total Cash (Recent Filing)$12.33B
Total Debt (Recent Filing)$12.31B
Price to Earnings (P/E)15.7
Beta1.25
Next Earnings
Oct 16, 2026EPS Estimate
1.39Next Dividend Ex-DateN/A
Dividend Yield2.55%
Share Statistics
EPS (TTM)4.26
Shares Outstanding422,881,930
10 Day Avg. Volume5,910
30 Day Avg. Volume4,272
Financial Highlights & Ratios
PEG Ratio0.53
Price to Book (P/B)0.96
Price to Sales (P/S)2.26
P/FCF Ratio12.37
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$80.47Price Target Upside11.90% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering17
EPS Forecast (FY)5.3
Revenue Forecast (FY)$9.18B
Bulls Say, Bears Say
Bulls Say
Strong Cash GenerationRobust and improving cash generation (TTM operating cash flow ~$2.66B and FCF ~$2.50B) provides durable financial flexibility. High FCF conversion (~94% of net income) supports buybacks/dividends, funds strategic investments and cushions capital during cyclical credit or rate pressure.
Diversifying Fee Revenue MixGrowing fee businesses—capital markets, wealth and private bank—reduce reliance on net interest income. Durable fee expansion improves revenue stability across rate cycles, raises fee-bearing client relationships, and increases cross-sell opportunities that sustainably enhance margins and ROE over the medium term.
Quantified Transformation And Efficiency TargetsManagement’s Reimagine the Bank program with quantified savings and a clear efficiency target (mid-50s) is a structural lever to lift operating margins and ROTCE. If executed, the multi-year savings trajectory and branch optimization should sustainably improve returns and operating leverage.
Bears Say
Modest Capital BufferA CET1 ratio near 10.4% leaves limited excess capital versus internal targets. That modest cushion constrains organic capital deployment, may necessitate preferred issuance (as proposed), and reduces optionality for aggressive buybacks or faster balance-sheet growth without raising external capital.
Funding And Deposit Cost PressureRising deposit betas and short-term FHLB reliance indicate structural funding pressure as loans grow faster than core deposits. Persistent deposit cost increases or continued wholesale funding would compress NIM over time and raise funding volatility risk, especially if competition for deposits intensifies.
Loan Mix Shifts And Elevated Loss MetricsProlonged CRE runoff, a rising non-core auto balance and NCOs at ~37 bps signal mix and credit pressures. These trends can depress earning-asset yields, require higher provisions, and slow durable loan growth and margin recovery, sustaining headwinds to sustainable profitability near-term.
Citizens Financial News
0HYP FAQ
What was Citizens Financial’s price range in the past 12 months?
Citizens Financial lowest share price was $45.91 and its highest was $75.34 in the past 12 months.
What is Citizens Financial’s market cap?
Citizens Financial’s market cap is $30.85B.
When is Citizens Financial’s upcoming earnings report date?
Citizens Financial’s upcoming earnings report date is Oct 16, 2026 which is in 77 days.
How were Citizens Financial’s earnings last quarter?
Citizens Financial released its earnings results on Jul 16, 2026. The company reported $1.3 earnings per share for the quarter, beating the consensus estimate of $1.241 by $0.059.
Is Citizens Financial overvalued?
According to Wall Street analysts Citizens Financial’s price is currently Undervalued.
Does Citizens Financial pay dividends?
Citizens Financial pays a Quarterly dividend of $0.46 which represents an annual dividend yield of 2.55%. See more information on Citizens Financial dividends here
What is Citizens Financial’s EPS estimate?
Citizens Financial’s EPS estimate is 1.39.
How many shares outstanding does Citizens Financial have?
Citizens Financial has 422,881,930 shares outstanding.
What happened to Citizens Financial’s price movement after its last earnings report?
Citizens Financial reported an EPS of $1.3 in its last earnings report, beating expectations of $1.241. Following the earnings report the stock price went up 3.996%.
Which hedge fund is a major shareholder of Citizens Financial?
Currently, no hedge funds are holding shares in GB:0HYP
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
Citizens Financial Stock Smart Score
Neutral
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Strong Buy
Average Price Target:
$80.47 (11.90% Upside)
$80.47 (11.90% Upside)
Blogger Sentiment
Bullish
GB:0HYP Sentiment 82%
Sector Average ―
Sector Average ―
Insider Transactions
Sold Shares
Worth $9.7M over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
50.57%
12-Months-Change
Fundamentals
Return on Equity
2.55%
Trailing 12-Months
Asset Growth
7.11%
Trailing 12-Months
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.
0HYP Company Deck
0HYP Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call emphasized a strong quarter with record revenue, solid EPS and ROTCE improvement, broad loan growth, a record capital markets quarter, an accelerating private bank and robust shareholder returns. Management reiterated disciplined expense control and clear medium-term operational initiatives (RTB and NEXT) with quantified benefits. Lowlights were mostly moderate and largely transitory: slight deposit cost pressure, modest FHLB usage, ongoing CRE runoff timing, a small CET1 shortfall versus a 10.5% anchor, and some upfront transformation costs. On balance, positive operational momentum and sizeable near- and medium-term catalysts outweigh the manageable and largely temporary headwinds.View all GB:0HYP earnings summaries0HYP Revenue Breakdown
70.97% Net interest income
29.03% Noninterest income
0HYP Stock 12 Month Forecast
Average Price Target
$80.47
▲(11.90% Upside)
Technical Analysis
Fifth Third Bancorp
―
Huntington Bancshares
―
KeyCorp
―
M&T Bank
―
Regions Financial
―