Citizens Financial Q3 2026 EPS $1.41, up 34% YoY; net income $636M; dividend raised 13% to $0.52

CITIZENS FINANCIAL GROUP INC/RI

Net income of $636M, up 29% YoY; diluted EPS $1.41 vs $1.05 a year ago and $1.30 in 2Q26; ROTCE 15.1% and pre-provision profit of $929M, up 18.6% YoY.
Total revenue $2,322M, up 10% YoY; net interest income $1,675M (+13% YoY) with NIM, FTE, of 3.19%, up 19 bps YoY; efficiency ratio improved to 60.0% from 63.0%.
Board declared a 13% dividend increase to $0.52 per share, payable Nov 13, 2026 to holders of record Oct 30, 2026; buyback capacity raised $1.3B to $1.95B.
Wealth fees set a record $109M (+17% YoY); mortgage banking fees fell 29% YoY to $35M on lower MSR valuation; capital markets fees dropped 10% YoY to $149M.
Credit broadly favorable: net charge-offs 37 bps, stable QoQ, vs 46 bps a year ago; provision $125M vs $154M; CET1 10.5%; TBV/share $35.78, down 6.6% QoQ on higher long-term rates.

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