CITIZENS FINANCIAL GROUP INC/RI (CFG) Form 10-Q — Oct 28, 2026
Citizens Financial Group reported Q3 2026 net income of $636 million, up $142 million year over year, with diluted EPS rising $0.36 to $1.41 and ROTCE improving to 15.1% from 11.7%. Net interest margin expanded 19 basis points to 3.18% on higher interest-earning assets, lower terminated swap impacts, and improved funding costs, while provision expense fell $29 million to $125 million on improved loan mix and declining CRE general office exposure.
Key figures
- Eps
- $1.41 diluted Q3 2026 (vs $1.05 Q3 2025); $3.83 nine months
- Revenue
- $1.7 billion net interest income Q3 2026 plus $647 million noninterest income
- Net Income
- $636 million (Q3 2026); $1.74 billion (9M 2026)
- Total Debt
- $17.8 billion borrowed funds
- Total Assets
- $234.5 billion
- Cash Position
- $2.4 billion Parent Company cash and equivalents; $185.2 billion total deposits
- Shares Outstanding
- 419195029
- Acl
- $2.172 billion, 1.47% coverage
- Rotce
- 15.1% Q3 2026 vs 11.7% Q3 2025
- Cet1 ratio
- 10.5% (CFG), 12.0% (CBNA)
- Scb requirement
- 4.5%
- Buyback capacity
- $1.95 billion after $1.3 billion increase announced October 2026
- Efficiency ratio
- 60.0% Q3 2026 vs 63.0% Q3 2025
- Nonaccrual ratio
- 0.99% of loans vs 1.05% at Dec 31, 2025
- Quarterly dividend
- $0.52 per share, up 13%
- Net interest margin
- 3.18% Q3 2026, up 19 bps YoY
- Loan to deposit ratio
- 80.0%
- Total available liquidity
- $89.2 billion
- Tangible book value per share
- $35.78 vs $38.07 at Dec 31, 2025
AI analysis
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