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Citizens Financial — bank health check

CFG
RegionalAssets $234.5Bdata unavailable
Close · Oct 16, 202663.36P/E — · yield 2.9%
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 16, 20264.26 · 4.74 · 5.0910y−2y +0.35 · 10y−3m +0.83
KBE · YTD+4.8%1D +0.1% · 1Y +15.5% · 5Y +15%
KRE · YTD+7.7%1D +0.1% · 1Y +20.1% · 5Y −1%
SPY · YTD+11.9%1D −1.1% · 1Y +15.5% · 5Y +71%
Prices as ofOct 16, 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 62.0% · ROTCE — vs. 13.8% · credit cost — vs. 4.4% · AOCI/TCE — vs. −11.0%.

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%