Citizens Financial Group 과거 순이익 실적
과거 기준 점검 4/6
Citizens Financial Group의 수입은 연평균 -6.5%의 비율로 감소해 온 반면, Banks 산업은 수입이 연평균 3.2% 증가했습니다. 매출은 연평균 2.4%의 비율로 증가해 왔습니다. Citizens Financial Group의 자기자본이익률은 7.5%이고 순이익률은 23.2%입니다.
핵심 정보
-6.46%
순이익 성장률
-6.97%
주당순이익(EPS) 성장률
| Banks 산업 성장률 | 11.18% |
| 매출 성장률 | 2.36% |
| 자기자본이익률 | 7.55% |
| 순이익률 | 23.23% |
| 다음 순이익 업데이트 | 16 Jul 2026 |
최근 과거 실적 업데이트
Recent updates
Seeking Alpha • Jun 30
Citizens Financial: A Comparison Among The Company's Outstanding Preferred Shares
Summary Citizens Financial Group has three series of outstanding preferred shares: CFG.PR.E and CFG.PR.H are fixed-rate preferred shares, while CFG.PR.I is a fixed-rate reset preferred share. Preferred dividend obligations are well covered, with net income providing over 15x coverage, while preferred equity accounts for less than 10% of Citizens Financial Group's total equity capital. The yield divergence between CFG's preferred shares and the common shares is much more pronounced, enhancing their appeal for income-focused investors while increasing the opportunity cost of allocating to equity. CFG.PR.E possesses materially better economic characteristics despite offering a slightly lower yield than its fixed-rate peer, CFG.PR.H. Although CFG.PR.I has a lower duration, a lower current yield, and a higher call risk relative to CFG.PR.E more than offset that duration advantage. Read the full article on Seeking Alpha분석 기사 • Jun 19
Citizens Financial Group (CFG) Stock Could Be 8% Undervalued After Strong Quarterly Growth
Citizens Financial Group (CFG) is back in focus after reporting quarterly revenue of US$1.97b and year over year net profit growth of 42.35%, paired with a very high level of institutional ownership. See our latest analysis for Citizens Financial Group. Citizens Financial Group’s recent quarterly update and leadership changes in investor relations come against a backdrop of firm share price momentum, with a 30 day share price return of 9.38% and a 1 year total shareholder return of 67.59%...
내러티브 업데이트 • Jun 16
CFG: Future Returns Will Depend On Execution Versus Mixed Street Expectations
Analysts have adjusted the fair value estimate for Citizens Financial Group stock slightly lower, trimming the implied price target by about $0.37 as they balance modest tweaks to revenue growth, profit margin, and future P/E assumptions reflected in recent mixed Street research. Analyst Commentary Recent Street research on Citizens Financial Group shows a split view, with several firms adjusting price targets in both directions and one high profile addition to a conviction list.내러티브 업데이트 • Jun 01
CFG: Future Upside Will Hinge On Efficiency Gains And Capital Returns
Analysts have nudged their fair value estimate for Citizens Financial Group higher to $73.28, a change of about $0.46, as recent price target revisions and updated views on revenue growth, profit margin, and future P/E assumptions reshape expectations for the stock. Analyst Commentary Recent Street research on Citizens Financial Group shows both optimism and caution around the stock, with several firms adjusting price targets and ratings in different directions.내러티브 업데이트 • Apr 23
CFG: Future Upside Will Hinge On Credit Quality And Capital Returns
The analyst price target for Citizens Financial Group has moved higher to reflect a fair value estimate of about $72.82. Analysts cite updated assumptions for revenue growth, profit margins, and a lower future P/E multiple.내러티브 업데이트 • Apr 07
CFG: Future Upside Will Hinge On Credit Quality And Ongoing Buybacks
Narrative Update on Citizens Financial Group The updated analyst price target for Citizens Financial Group edges slightly lower to around $71.63 from $72.20, as analysts recalibrate their models to reflect a mix of recent target cuts and prior increases, along with adjustments to revenue growth, profit margin expectations and future P/E assumptions. Analyst Commentary Recent Street research on Citizens Financial Group shows a mix of enthusiasm and caution, with several firms adjusting price targets both higher and lower while updating ratings and lists of preferred bank stocks.내러티브 업데이트 • Mar 24
CFG: Multi Year Upside Will Rely On Credit Strength And Buybacks
Narrative Update on Citizens Financial Group The analyst price target for Citizens Financial Group has been trimmed by $0.60 to reflect a slightly lower fair value of $72.2. Analysts are balancing earlier target increases with more cautious assumptions around required returns and forward P/E multiples. Analyst Commentary Recent Street research on Citizens Financial Group shows a mix of optimism on earnings power and capital strength alongside some caution on valuation and execution risk.내러티브 업데이트 • Mar 09
CFG: Multi Year Outlook Will Lean On Credit Strength And Capital Returns
Analysts have nudged their fair value estimate for Citizens Financial Group slightly higher to $72.80, reflecting a series of upward price target revisions across the Street that highlight improving views on loan growth, net interest margin and capital strength in regional banks. Analyst Commentary Street research on Citizens Financial Group has tilted more constructive, with a cluster of price target increases and at least one rating upgrade pointing to growing confidence in the bank's earnings power, balance sheet resilience and ability to execute on its initiatives.내러티브 업데이트 • Feb 23
CFG: Multi Year Outlook Will Prioritize Credit Risk Over Expense Uncertainty
Analysts have raised their price targets on Citizens Financial Group, leading to a modest increase in our fair value estimate to $72.70. They cite updated expectations for expenses, loan growth, and returns, which are reflected in a slightly lower assumed future P/E multiple.내러티브 업데이트 • Feb 08
CFG: Multi Year Outlook Will Balance Credit Risk And Cost Execution
Analysts have nudged their price expectations for Citizens Financial Group higher, reflected in a fair value estimate moving from about US$71.38 to US$72.28. A series of recent price target increases across the Street points to growing confidence in the bank's earnings power and valuation, even as they factor in slightly lower revenue growth and profit margin assumptions alongside a higher future P/E multiple.내러티브 업데이트 • Jan 25
CFG: Prime Rate Cut And Credit Trends Will Support Multi Year Upside
Analysts have lifted their price targets on Citizens Financial Group, supporting an increase in our fair value estimate from $67.18 to $71.38. This reflects updated assumptions around revenue growth, profit margins, and a slightly higher future P/E multiple.내러티브 업데이트 • Jan 09
CFG: Lower Prime Rate And Capital Returns Will Shape Expense And Credit Outlook
The analyst price target for Citizens Financial Group has moved higher to approximately US$67 from about US$62, as analysts factor in updated views on loan growth, profitability, and valuation following recent research that highlights stronger fee income, ongoing net interest income momentum, and an improving outlook for regional banks. Analyst Commentary Recent Street research on Citizens Financial Group presents a mix of optimism on earnings power and valuation, alongside some caution on expenses and credit risk.내러티브 업데이트 • Dec 16
CFG: Lower Prime Rate And Dividend Increase Will Shape Profitability Outlook
Analysts have nudged their fair value estimate for Citizens Financial Group higher to approximately $62.23 from $61.83, reflecting modestly stronger profitability expectations and sustained support from a series of recent price target increases across the Street. Analyst Commentary Bullish analysts have become incrementally more constructive on Citizens Financial Group as recent quarters have demonstrated solid earnings execution, improving fee trends, and the potential for higher through cycle profitability.내러티브 업데이트 • Nov 29
CFG: Lower Lending Rates And Dividend Growth Will Signal Improving Profit Outlook
The consensus analyst price target for Citizens Financial Group has been raised. Recent updates range from $56 to $71 per share, reflecting improved earnings and increased optimism for sustained profitability and loan growth, according to analysts.내러티브 업데이트 • Nov 15
CFG: Net Interest Momentum And Lower Lending Rates Will Drive Further Upside
The analyst fair value price target for Citizens Financial Group has increased slightly by $0.10 to $61.83. Analysts point to ongoing improvements in profitability and continued momentum behind higher fee income and net interest growth.내러티브 업데이트 • Oct 31
CFG: Net Interest Margin And Fee Income Gains Will Drive Upside Momentum
The analyst price target for Citizens Financial Group has increased slightly to $61.73. This reflects analysts' expectations for improved profit margins, along with ongoing strength in capital markets and fee income.분석 기사 • Oct 18
Citizens Financial Group (NYSE:CFG) Will Pay A Larger Dividend Than Last Year At $0.46
Citizens Financial Group, Inc. ( NYSE:CFG ) has announced that it will be increasing its periodic dividend on the 12th...내러티브 업데이트 • Oct 17
AI And Digital Banking Will Improve Operational Efficiency
The analyst price target for Citizens Financial Group has been raised from $58.60 to $61.48. Analysts cite robust earnings, improving profitability, and constructive industry trends as key drivers of the upward revision.내러티브 업데이트 • Oct 03
AI And Digital Banking Will Improve Operational Efficiency
The analyst price target for Citizens Financial Group has been raised from $56.45 to $58.60. This reflects analysts' expectations for improved profitability and favorable sector catalysts in the near term.내러티브 업데이트 • Sep 09
AI And Digital Banking Will Improve Operational Efficiency
Citizens Financial Group’s consensus price target was raised as analysts grew more confident in its strong recent results, improved earnings outlook, and attractive valuation, driving a modest increase in fair value from $55.47 to $56.21. Analyst Commentary Bullish analysts highlighted strong Q2 results, including higher revenue, robust loan and assets under management growth, and favorable credit metrics.분석 기사 • Jul 21
Citizens Financial Group (NYSE:CFG) Has Affirmed Its Dividend Of $0.42
Citizens Financial Group, Inc. ( NYSE:CFG ) has announced that it will pay a dividend of $0.42 per share on the 14th of...Seeking Alpha • Jan 17
Citizens Financial Group: Much Better Options Out There
Summary Citizens Financial Group's Q4 results show mixed performance, with declines in deposits and loans but slight improvements in net income and EPS. Despite tightening lending standards, key metrics like asset quality and net loan charge-offs have not significantly improved, justifying a hold rating. Return on average assets and equity saw slight improvements, but overall metrics still trend negatively, making Citizens less attractive compared to higher-yielding banks. Sector strength supports a neutral stance, but better investment opportunities exist in banks with stronger growth and yield profiles. Read the full article on Seeking AlphaSeeking Alpha • Dec 30
Citizens Financial: A Pivotal Year On Tap, Shares Fairly Priced, A Mixed Chart
Summary I am downgrading Citizens Financial Group (CFG) to a hold due to fair valuation and mixed technicals despite a 64% gain since April 2023. Key January catalysts include the December payrolls report, bank earnings, and a Fed meeting, with CFG's Q4 earnings report on January 17 being crucial. CFG's Q3 results were mixed, with a revenue miss and slight NIM decline, but Q4 projections show potential NII and non-interest income growth. Risks include higher loan losses, economic softness, and regulatory changes, while CFG's valuation is near fair value with mixed technical indicators. Read the full article on Seeking AlphaSeeking Alpha • Oct 16
Citizens Financial: After An In-Line Q3, Shares Appear Fairly Valued
Summary Citizens Financial Group, Inc. reported Q3 earnings in line with expectations, with shares flat after a 60% gain over the past year. Net interest income and margin declined due to fixed-rate swaps and rising deposit costs, but the private bank showed strong growth. Credit quality is a concern with reduced reserves and increased non-accrual loans, though capital levels remain healthy with a 3.9% dividend yield. I maintain a “hold” rating, expecting modest NII growth in Q4, but see more upside in other names like KEY. Read the full article on Seeking AlphaSeeking Alpha • Jul 11
Citizens Financial Group Q2 Preview: Potential Reserve Build Is A Source Of Caution (Downgrade)
Summary Citizens Financial Group shares have performed well, up 36% in the past year, approaching my target of $37.50, as it has weathered the regional banking crisis well. Q1 results showed stable funding but slow asset growth, given non-core run-off; reserves appear low. My Q2 earnings analysis suggests a potential in-line quarter, with questions about reserves and the pace of loan growth. With shares near fair value and a strong Q2 earnings catalyst unlikely, I am downgrading shares to a hold. Read the full article on Seeking AlphaSeeking Alpha • May 09
Citizens Financial Group: Two Good Income Options
Summary Citizens Financial Group is struggling to maintain earnings growth and deposits in a high-interest rate environment. The bank has seen a decline in net interest income and a decrease in lending. Despite these challenges, the bank has a leverage ratio under the commercial bank average and access to fresh capital if needed. In addition to the floating preferred share, there's a new fixed/float bond that provides attractive income. Read the full article on Seeking Alpha매출 및 비용 세부 내역
매출 및 비용 세부 내역
Citizens Financial Group가 돈을 벌고 사용하는 방법. 최근 발표된 LTM 실적 기준.
순이익 및 매출 추이
| 날짜 | 매출 | 순이익 | 일반관리비 | 연구개발비 |
|---|---|---|---|---|
| 31 Mar 26 | 7,885 | 1,832 | 4,894 | 0 |
| 31 Dec 25 | 7,639 | 1,688 | 4,819 | 0 |
| 30 Sep 25 | 7,443 | 1,566 | 4,801 | 0 |
| 30 Jun 25 | 7,208 | 1,453 | 4,723 | 0 |
| 31 Mar 25 | 7,116 | 1,408 | 4,689 | 0 |
| 31 Dec 24 | 7,122 | 1,372 | 4,682 | 0 |
| 30 Sep 24 | 7,115 | 1,164 | 4,713 | 0 |
| 30 Jun 24 | 7,228 | 1,220 | 4,743 | 0 |
| 31 Mar 24 | 7,365 | 1,307 | 4,746 | 0 |
| 31 Dec 23 | 7,537 | 1,491 | 4,721 | 0 |
| 30 Sep 23 | 7,757 | 1,953 | 4,625 | 0 |
| 30 Jun 23 | 7,969 | 2,164 | 4,590 | 0 |
| 31 Mar 23 | 7,841 | 2,052 | 4,616 | 0 |
| 31 Dec 22 | 7,547 | 1,960 | 4,473 | 0 |
| 30 Sep 22 | 7,255 | 1,837 | 4,330 | 0 |
| 30 Jun 22 | 6,893 | 1,730 | 4,119 | 0 |
| 31 Mar 22 | 6,925 | 2,014 | 3,857 | 0 |
| 31 Dec 21 | 7,058 | 2,206 | 3,781 | 0 |
| 30 Sep 21 | 6,896 | 2,132 | 3,729 | 0 |
| 30 Jun 21 | 6,567 | 1,917 | 3,727 | 0 |
| 31 Mar 21 | 6,031 | 1,526 | 3,693 | 0 |
| 31 Dec 20 | 5,289 | 950 | 3,672 | 0 |
| 30 Sep 20 | 5,233 | 953 | 3,628 | 0 |
| 30 Jun 20 | 5,407 | 1,096 | 3,588 | 0 |
| 31 Mar 20 | 5,652 | 1,306 | 3,554 | 0 |
| 31 Dec 19 | 6,098 | 1,718 | 3,483 | 0 |
| 30 Sep 19 | 6,079 | 1,741 | 3,460 | 0 |
| 30 Jun 19 | 6,028 | 1,745 | 3,398 | 0 |
| 31 Mar 19 | 5,921 | 1,735 | 3,319 | 0 |
| 31 Dec 18 | 5,802 | 1,692 | 3,253 | 0 |
| 30 Sep 18 | 5,710 | 1,908 | 3,109 | 0 |
| 30 Jun 18 | 5,606 | 1,813 | 3,006 | 0 |
| 31 Mar 18 | 5,482 | 1,706 | 2,933 | 0 |
| 31 Dec 17 | 5,386 | 1,638 | 3,037 | 0 |
| 30 Sep 17 | 5,205 | 1,254 | 2,822 | 0 |
| 30 Jun 17 | 5,117 | 1,203 | 2,811 | 0 |
| 31 Mar 17 | 5,031 | 1,128 | 2,785 | 0 |
| 31 Dec 16 | 4,886 | 1,031 | 2,759 | 0 |
| 30 Sep 16 | 4,783 | 970 | 2,720 | 0 |
| 30 Jun 16 | 4,622 | 893 | 2,691 | 0 |
| 31 Mar 16 | 4,531 | 840 | 2,676 | 0 |
| 31 Dec 15 | 4,522 | 833 | 2,684 | 0 |
| 30 Sep 15 | 4,483 | 809 | 2,584 | 0 |
양질의 수익: CFG는 고품질 수익을 보유하고 있습니다.
이익 마진 증가: CFG의 현재 순 이익률 (23.2%)은 지난해 (19.8%)보다 높습니다.
잉여현금흐름 대비 순이익 분석
과거 순이익 성장 분석
수익추이: CFG의 수익은 지난 5년 동안 연평균 6.5% 감소했습니다.
성장 가속화: 지난 1년간 CFG 의 수익 증가율(30.1%)은 연간 평균(-6.5%)을 초과합니다.
수익 대 산업: CFG의 지난 1년 수익 증가율(30.1%)은 Banks 업계의 22.8%를 상회했습니다.
자기자본이익률
높은 ROE: CFG의 자본 수익률(7.5%)은 낮음으로 평가됩니다.
총자산이익률
투하자본수익률
우수한 과거 실적 기업을 찾아보세요
기업 분석 및 재무 데이터 상태
| 데이터 | 최종 업데이트 (UTC 시간) |
|---|---|
| 기업 분석 | 2026/06/30 19:11 |
| 종가 | 2026/06/30 00:00 |
| 수익 | 2026/03/31 |
| 연간 수익 | 2025/12/31 |
데이터 소스
당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.
| 패키지 | 데이터 | 기간 | 미국 소스 예시 * |
|---|---|---|---|
| 기업 재무제표 | 10년 |
| |
| 분석가 컨센서스 추정치 | +3년 |
|
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| 시장 가격 | 30년 |
| |
| 지분 구조 | 10년 |
| |
| 경영진 | 10년 |
| |
| 주요 개발 | 10년 |
|
* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.
별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.
분석 모델 및 스노우플레이크
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산업 및 섹터 지표
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분석가 소스
Citizens Financial Group, Inc.는 35명의 분석가가 다루고 있습니다. 이 중 11명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.
| 분석가 | 기관 |
|---|---|
| null null | Argus Research Company |
| David George | Baird |
| Jason Goldberg | Barclays |