Rankings Financial data & insurance broking Citizens Financial

Citizens Financial

Financial data & insurance broking · United StatesRank 56 of 829Prices 2 Nov 2026Model 1.4

15070100

A strong score: the model found few serious problems, but analysts see limited upside from here.

Biggest deductions

P/TBV and P/E versus own history−8
Return on capital−4
Quality of growth−3

Strengths

Segment of the future (Private Bank)+2
Dividend and buybacks+2
Momentum and guidance+1

How the score is built

From 100 to 86, step by step: points off for the business, the price and the cracks, back for documented strengths, then three data adjustments.

100Start

86Score

Hover or select a step to see what drove it. Steps with findings open them below.

Key numbers

As of 2 Nov 2026. Analyst targets tend to be optimistic; read upside as a hint, not a forecast.

Price: 64.93 USD
Median analyst target: 76.00 USD
Upside to median: +17.0%
Analysts: 20
Target range: 65.00 – 87.00 USD
52-week change: +28%
P/E (trailing): 13.1
Forward P/E: 10.5
PEG: 0.43

Findings

Every deduction and every plus, with its source. Open a step to read them.

Business

Is the company getting stronger, not just bigger? · 2 findings−7 of −30

Return on capital
ROE of 8.3% (7.2% in 2025, 10.1% in 2021) and ROTCE of 13.9% in Q2 2026; the 16-18% target is not reached until late 2027. PNC and U.S. Bancorp have ROE of about 12.6%.
stockanalysis.com
−4
Quality of growth
EPS (TTM) of USD 4.59 is still below 5.16 in 2021, even though the share count rose about 12% with the acquisitions of Investors Bancorp and HSBC branches in 2022. The margin improvement is partly mechanical: terminated swaps and the run-off of the non-core loan book contributed 6 bp in Q2, while the net interest margin overall rose only 3 bp.
stockanalysis.com
−3

Price

Today's multiples against the company's own history and its peers. · 2 findings−10 of −35

P/TBV and P/E versus own history
P/TBV 1.70 (price 63.57 / tangible book value USD 37.26) versus 1.07-1.64 in 2021-2025, and P/B 1.12 versus 0.63-1.02 over the whole period since the 2014 listing: the highest ever. Trailing P/E 13.9 versus 9.1-14.9 and forward 10.8 versus 7.6-12.4. The share price has more than doubled since 2023 (29.91 → 63.57), while EPS is still below the 2021 level; the re-rating has taken place.
companiesmarketcap.com
−8
Peers
P/TBV 1.70 and forward P/E 10.8 versus PNC 1.95/10.7 and U.S. Bancorp 1.95/10.4, but ROTCE of 13.9% is clearly below the large banks; only about a 13% discount on tangible equity and no discount on forward P/E for a markedly lower return.
stockanalysis.com
−2

Cracks

Cash flow, customers, debt, insiders, guidance and what sits behind the headline numbers. · 3 findings−6 of −35

Credit quality and commercial real estate
Nonaccrual loans of USD 1.44bn (0.97% of lending, about double Truist's), and allowance coverage is only 152% of non-performing loans; the office portfolio is still being wound down, and the fall in nonaccrual comes from it. The charge-off ratio fell to 1.48% from 1.59%.
sec.gov
−2
Deposit costs and interest
Interest-bearing deposits cost 2.08% (+4 bp in the quarter) and 1.63% overall (+3 bp); the margin uplift rests on timing effects (swaps, non-core run-off, repricing of fixed-rate assets) that are fading, while falling rates and price competition for deposits add pressure.
sec.gov
−2
Capital and unrealised losses (AOCI)
CET1 fell to 10.4% from 10.6% over a year, and BofA estimates it could fall below the 10-10.5% target. AOCI was -1.97bn USD at end-2025 (approx. 12% of tangible equity); capital is sensitive to rising long-term rates.
daytraders.com
−2

Plus

Only documented strengths. · 3 findings+5 of +15

Segment of the future (Private Bank)
Private Bank (built on former First Republic bankers) has USD 17.8bn in deposits (+9.1bn in a year) and 9.7bn in loans with a spread of just under 4%, and it contributed USD 0.15 to EPS in Q2 (0.11 in Q1).
marketbeat.com
+2
Dividend and buybacks
Q2: dividend 197m + buyback 225m = USD 422m versus net income of 587m; share count -2.7% in a year, dividend yield 2.9% and dividend raised 9.5%.
sec.gov
+2
Momentum and guidance
Net interest income +14% y/y in Q2, net charge-offs fell to 37 bp (-11 bp y/y), and for Q3 net interest income is guided up 2.5-3.5% relative to Q2.
marketbeat.com
+1

Caveats

What the score does not capture, or where the data is weak.

Re-scored more strictly 11 Oct 2026 (P/TBV against own history). Q3 report Friday 16 Oct 2026 before the open; the score predates the report. Bank: EV, ROIC and FCF are not meaningful; valuation on P/TBV and P/E, and distributions are measured against net income. P/TBV history only for 2021–2025 (stockanalysis); the long history (2014–2025, the entire period as a listed company) is P/B from companiesmarketcap. The size of the office portfolio and the reserve coverage, as well as AOCI as of 30 Jun 2026, were not found (AOCI was −1.97bn USD at the end of 2025 according to a secondary source). The share price is +22% over a year and has more than doubled since 2023.