公民金融集团三季度净利6.36亿美元、同比增29% 上调股息13%并扩大回购授权
公民金融集团（Citizens Financial Group，纽交所代码：CFG）10月16日公布2026年第三季度业绩：净收入6.36亿美元，同比增长29%；摊薄每股收益1.41美元，同比增长34%、环比增长8%。有形普通股权益回报率（ROTCE）为15.1%，同比实现5.3%的正经营杠杆。
分项看，三季度净利息收入同比增长13%，净息差扩大19个基点至3.19%。信贷质量总体稳健，净核销率稳定在0.37%，贷款损失准备覆盖率为1.47%。季末核心一级资本（CET1）比率为10.5%，处于公司中期目标区间的上限；贷款存款比为80%。私人银行业务继续快速扩张，为当季每股收益贡献0.16美元。三季度公司共向股东返还约3.22亿美元，其中普通股股息1.97亿美元、股票回购1.25亿美元；今年前九个月累计返还12.4亿美元。
公司同时宣布，董事会已将季度普通股股息上调13%，至每股0.52美元（较上季度增加0.06美元），将于11月13日向10月30日登记在册的股东派付；普通股回购计划额度提高至19.5亿美元，较此前授权剩余的6.5亿美元增加13亿美元。
董事长兼首席执行官范桑恩（Bruce Van Saun）表示，尽管外部环境波动显著，公司三季度继续实现可观的收入与盈利增长，将继续推进战略举措以及SI、技术和网络安全议程，并对第四季度及2027年的定位与前景保持信心。（GSM据公民金融集团经Business Wire发布的财报）
Citizens Financial Q3 Net Income Rises 29% to $636 Million; Dividend Raised 13% and Buyback Expanded
Citizens Financial Group (NYSE: CFG) on October 16 reported third-quarter 2026 net income of $636 million, up 29% from a year earlier, with diluted earnings per share of $1.41, up 34% year over year and 8% sequentially. Return on tangible common equity was 15.1%, with positive operating leverage of 5.3% year over year.
Net interest income grew 13% year over year as the net interest margin widened 19 basis points to 3.19%. Credit quality remained broadly favorable, with net charge-offs steady at 0.37% and an allowance coverage ratio of 1.47%. The bank ended the quarter with a CET1 capital ratio of 10.5%, at the top end of its medium-term target range, and a loan-to-deposit ratio of 80%. Its private bank continued to expand rapidly, contributing $0.16 to quarterly EPS. Citizens returned about $322 million to shareholders in the quarter, including $197 million in common dividends and $125 million in share repurchases, bringing cumulative returns through the first nine months of 2026 to $1.24 billion.
The company also announced that its board declared a quarterly common stock dividend of $0.52 per share, a 13% increase of $0.06 from the prior quarter, payable November 13, 2026 to shareholders of record on October 30. The board also increased the capacity of the common share repurchase program to $1.95 billion, an increase of $1.3 billion above the $650 million remaining under the prior authorization.
"We continued to deliver attractive revenue and earnings growth in the third quarter, notwithstanding significant volatility in the external environment," said Chairman and CEO Bruce Van Saun, adding that the bank remains focused on its strategic initiatives and its SI, technology and cybersecurity agenda, and is confident in its positioning for the fourth quarter and 2027. (GSM, based on Citizens Financial Group's earnings release via Business Wire)
发布：GSM·美国（发布链接）
图片来源：图：公民金融集团总部所在地——位于罗得岛州普罗维登斯的One Citizens Plaza。图片来源：dconvertini，Wikimedia Commons，CC BY-SA 2.0。Photo: One Citizens Plaza in Providence, Rhode Island, headquarters of Citizens Financial Group. Source: dconvertini, via Wikimedia Commons, CC BY-SA 2.0.
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