CFG
Citizens Financial GroupPrevious close
63.81
Change
−1.95 / −2.97%
P/E (TTM) ?
12.2
Market Cap
$26.7B
1M
+0.08%
S&P 500 −0.91% over same period
Volume / Avg Volume
3.5M / 4.9M
0.71× average
Latest earnings analysisFY2026 Q2Reported 2026-07-16
Citizens Financial Group Q2 2026: EPS $1.30 beats, revenue up 12.1%
Citizens Financial Group posted a strong fiscal 2026 second quarter: revenue of $2.283 billion rose 12.1% from a year ago, net income of $587 million rose 34.6%, and EPS of $1.30 beat the $1.2534 consensus by about 3.7%. The quality matters more than the size: growth arrived with 6.4% positive operating leverage, a 13.9% return on tangible common equity, and falling charge-offs. Read the credit and funding lines for the caveats.
Read the full analysis →Revenue$0.45BYoY −77.90%
EPS$1.30Beatest. $1.25
Next-day move−2.70%
Recent Earnings
Click to read the FinDog analysis| Period | Reported | Revenue | Analysis |
|---|---|---|---|
| FY2026 Q2 Quarter ended 2026-06 | 2026-07-16 | $451M | Read analysis → |
| FY2026 Q1 Quarter ended 2026-03 | 2026-04-16 | $415M | Pending |
| FY2025 Q4 Quarter ended 2025-12 | 2026-01-21 | $1.6B | Pending |
| FY2025 Q3 Quarter ended 2025-09 | 2025-10-15 | $452M | Pending |
| FY2025 Q2 Quarter ended 2025-06 | 2025-07-17 | $383M | Pending |
| FY2025 Q1 Quarter ended 2025-03 | 2025-04-16 | $367M | Pending |
Decision Panel
Trends · Valuation · Earnings reaction · Guidance credibility — all from company filings and market dataValuation
P/E is at percentile 25 of its 5-year rangeCheap
5-year range 6.1 – 18.2 · Median 14.9
Last 4 quarters: $775M in buybacks + $793M in dividends, 5.87% of market cap combined
P/E (TTM)
12.2
P/B
1.1
P/S
1.5
Dividend Yield
6.25%
Earnings Reaction
Over the last 6 reports, the stock moved ±1.7% on average on the first trading day after, rising 2 times
Most recent −2.70%
Volatility & Correlation
1-year beta 0.91 · Correlation with S&P 500 0.46Tracks the market
Annualized volatility 25% vs. 13% for the S&P 500
Insider Trading
View all →Last 90 days · Open-market buys and sells by officers and directors · Amounts in USD millions
Buy 2 · $0.00MSell 0 · $0.00MNet buying $0.00M
- 06-02Swift ChristopherDirectorBuy$0.00M20 shares · Avg price 40.06
- 02-06Swift ChristopherDirectorBuy$0.00M10 shares · Avg price 31.47
Multi-Quarter Financial Trends
View all quarters →Last 12 quarters · As reported by the company
| Quarter | Revenue ($B) | YoY | Gross Margin | Net Income ($B) | EPS |
|---|---|---|---|---|---|
| FY2026 Q3 | 0.46 | +2.2% | — | 0.64 | 1.41 |
| FY2026 Q2 | 0.45 | +17.8% | — | 0.59 | 1.30 |
| FY2026 Q1 | 0.42 | +13.1% | — | 0.52 | 1.13 |
| FY2025 Q4 | 0.43 | +9.1% | — | 0.53 | 1.12 |
| FY2025 Q3 | 0.45 | +23.2% | — | 0.49 | 1.05 |
| FY2025 Q2 | 0.38 | −4.7% | — | 0.44 | 0.92 |
| FY2025 Q1 | 0.37 | 0.0% | — | 0.37 | 0.77 |
| FY2024 Q4 | 0.40 | +22.5% | — | 0.40 | 0.83 |
| FY2024 Q3 | 0.37 | +18.4% | — | 0.38 | 0.77 |
| FY2024 Q2 | 0.40 | +24.5% | — | 0.39 | 0.78 |
| FY2024 Q1 | 0.37 | +18.8% | — | 0.33 | 0.65 |
| FY2023 Q4 | 0.32 | −4.1% | — | 0.19 | 0.36 |