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Citizens Financial — bank health check

CFG
RegionalAssets $234.5Bdata unavailable
Close · Oct 26, 202665.37P/E — · yield 2.8%
P/TBV—share count missing
Line · r 10%—no line
data unavailableP/TBV ÷ line − 1
Fed funds · last FOMC3.75–4.00%Sep 16, 2026 · +25bp
UST 3m · 2y · 10y · Oct 26, 20264.22 · 4.68 · 5.0010y−2y +0.32 · 10y−3m +0.78
KBE · YTD+8.9%1D +0.4% · 1Y +14.4% · 5Y +17%
KRE · YTD+12.2%1D +0.4% · 1Y +18.8% · 5Y +0%
SPY · YTD+12.3%1D +0.8% · 1Y +13.1% · 5Y +68%
Prices as ofOct 26, 2026Financials TTM through Sep 30, 2026

Valuation range

the line at three costs of equity

No range: the TTM window has fewer than three usable quarters.

Where it has traded

quarter-end P/TBV, five years

Not enough priced quarters to draw a five-year history.

Where the money goes

TTM through Sep 30, 2026 · $B

No waterfall: the TTM window is unusable this run.

Revenue mix

NII vs. non-interest income · Regional peers (10)
CFG—
Tier average76 / 24

Efficiency — vs. tier 61.7% · ROTCE — vs. 13.7% · credit cost — vs. 4.1% · AOCI/TCE — vs. −12.1%.

Quarter by quarter

8 quarters · Dec 31, 2024 → Sep 30, 2026 · a gap is a dropped quarter
NII, $B1.6
Provision, $B0.13
Efficiency61.1%
AOCI / TCE−14.4%