Citizens Financial Q4 GAAP EPS $0.34, underlying $0.85; revenue $1.99B; $0.42 dividend

CITIZENS FINANCIAL GROUP INC/RI

2023-FY EPS reported $3.13 revenue$8,224,000,000

GAAP net income $189M ($0.34 EPS); underlying net income $426M ($0.85 EPS).
Total revenue $1,988M, down from $2,200M YoY; NIM 2.91% vs 3.03% QoQ.
Provision for credit losses $171M; ACL/loans ratio 1.59%; NCO ratio 0.46%.
CET1 ratio 10.6% (up 20 bps QoQ); TBV/share $30.91 (up 11% QoQ).
Quarterly dividend $0.42/share payable Feb 14, 2024; no share repurchases due to FDIC special assessment.

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