<ul>
<li>本月早些时候，Citizens Financial Group 报告称，分析师预计其 2025 财年第四季度的摊薄每股收益将达到 1.12 美元，这意味着在过去四个季度中，该银行的盈利超出华尔街预期后，年同比利润将大幅增长。</li>
<li>该银行的业绩得益于其私人银行和财富业务的扩展、强劲的资本市场活动，以及通过技术和私人银行投资支持的更严格的成本控制，这些措施旨在提高效率和盈利能力。</li>
<li>随着私人银行和财富增长推动季度盈利大幅上升的预期，我们将探讨这如何塑造 Citizens 的投资叙事。</li>
</ul>
<p>这 13 家公司在 COVID 之后生存并蓬勃发展，具备应对特朗普关税的必要条件。在你的投资组合感受到贸易战压力之前，了解原因。</p>
<h2>Citizens Financial Group 投资叙事回顾</h2>
<p>要拥有 Citizens Financial Group，你需要相信它能够通过扩大其私人银行和财富业务来持续增长盈利，同时控制信贷和支出。对 2025 年第四季度每股收益 1.12 美元的最新预期强化了短期盈利势头，但并未实质性改变与商业房地产风险相关的关键风险，如果情况恶化，仍可能对资产质量造成压力。</p>
<p>在最近的公告中，2025 年 10 月的盈利发布最为相关，较高的净利息收入和每股收益增长预示着在预期的第四季度提升之前盈利能力的改善。这一背景有助于将私人银行和资本市场框定为核心催化剂，但也提高了 Citizens 在信贷条件或区域增长放缓时维持成本纪律和技术驱动效率提升的门槛。</p>
<p>然而，投资者应意识到，Citizens 在商业房地产方面的重大风险仍可能...</p>
<p>阅读关于 Citizens Financial Group 的完整叙事（免费！）</p>
<p>Citizens Financial Group 的叙事预计到 2028 年收入将达到 103 亿美元，盈利将达到 28 亿美元。这需要每年 12.6% 的收入增长，以及从今天的 15 亿美元增加约 13 亿美元的盈利。</p>
<p>揭示 Citizens Financial Group 的预测如何得出 62.22 美元的公允价值，相较于当前价格有 5% 的上涨空间。</p>
<h2>探索其他视角</h2>
<p><img src="https://imageproxy.pbkrs.com/https://images.simplywall.st/company/4e00a58a-add4-487b-bb12-144763c93888/chart/quote-price?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" width="1510" height="1044" original-src="https://imageproxy.pbkrs.com/https://images.simplywall.st/company/4e00a58a-add4-487b-bb12-144763c93888/chart/quote-price"/></p>
<p>CFG 1 年股票价格图表</p>
<p>Simply Wall St 社区的三位成员对 Citizens Financial Group 的估值在 42.41 美元到 83.79 美元之间，反映出对上涨空间的广泛分歧。当你将这些观点与依赖私人银行和财富增长来支持盈利的情况进行比较时，这突显了在形成自己观点之前比较多个视角的帮助。</p>
<p>探索对 Citizens Financial Group 的其他 3 个公允价值估计——为什么该股票可能比当前价格低 28%！</p>
<h2>创建你自己的 Citizens Financial Group 叙事</h2>
<p>不同意现有叙事？在 3 分钟内创建你自己的——非凡的投资回报很少来自跟随大众。</p>
<ul>
<li>开展 Citizens Financial Group 研究的一个良好起点是我们的分析，强调可能影响你投资决策的 4 个关键回报。</li>
<li>我们的免费 Citizens Financial Group 研究报告提供了全面的基本面分析，汇总在一个视觉图中——雪花图，使你能够一目了然地评估 Citizens Financial Group 的整体财务健康状况。</li>
</ul>
<h2>准备好探索其他投资风格了吗？</h2>
<p>不要错过下一个十倍股的机会。我们最新的股票推荐刚刚发布：</p>
<ul>
<li>这项技术可能取代计算机：发现 28 只正在努力使量子计算成为现实的股票。</li>
<li>特朗普承诺要 “释放” 美国的石油和天然气，这 22 只美国股票的发展有望受益。</li>
<li>我们发现 12 只预计明年将支付超过 6% 股息收益率的美国股票。查看完整列表，免费获取。</li>
</ul>
<p><em>这篇文章由 Simply Wall St 撰写，内容具有一般性。<strong>我们提供基于历史数据和分析师预测的评论，采用无偏见的方法，我们的文章并不旨在提供财务建议。</strong> 这并不构成买入或卖出任何股票的推荐，也未考虑你的目标或财务状况。我们旨在为你提供以基本数据驱动的长期分析。请注意，我们的分析可能未考虑最新的价格敏感公司公告或定性材料。Simply Wall St 在提到的任何股票中没有持仓。</em></p>
<p>移动基础设施用于国防和灾难</p>
<p>下一波机器人技术不是类人型的。它是完全自主的塔楼，在 30 分钟内提供 5G、ISR 和雷达，随时随地。</p>
<p>在下一轮合同之前获取投资者简报</p>
<p>由 CiTech 赞助</p>

<p>Citizens Financial Group 预计 2025 年第四季度每股收益将达到 1.12 美元，显示出显著的利润增长。该银行的业绩受到私人银行、财富业务扩展、强劲的资本市场活动和成本控制的推动。尽管盈利势头积极，但商业房地产风险仍然存在。预计到 2028 年，CFG 的收入将达到 103 亿美元，盈利为 28 亿美元。分析师对 CFG 的估值差异很大，强调了考虑多种观点的重要性</p>

<ul>
<li>Earlier this month, Citizens Financial Group reported that analysts expect its fiscal fourth-quarter 2025 diluted EPS to reach US$1.12, implying a very large year-over-year profit increase, after the bank topped Wall Street earnings estimates in each of the previous four quarters.</li>
<li>The bank’s performance has been underpinned by expansion in its private bank and wealth franchise, strong capital markets activity, and tighter cost control supported by technology and private banking investments that aim to lift efficiency and profitability.</li>
<li>With expectations for sharply higher quarterly earnings driven by private banking and wealth growth, we’ll now examine how this shapes Citizens’ investment narrative.</li>
</ul>
<div class="lb-trans"><ul>
<li>本月早些时候，Citizens Financial Group 报告称，分析师预计其 2025 财年第四季度的摊薄每股收益将达到 1.12 美元，这意味着在过去四个季度中，该银行的盈利超出华尔街预期后，年同比利润将大幅增长。</li>
<li>该银行的业绩得益于其私人银行和财富业务的扩展、强劲的资本市场活动，以及通过技术和私人银行投资支持的更严格的成本控制，这些措施旨在提高效率和盈利能力。</li>
<li>随着私人银行和财富增长推动季度盈利大幅上升的预期，我们将探讨这如何塑造 Citizens 的投资叙事。</li>
</ul>
</div><p>These 13 companies survived and thrived after COVID and have the right ingredients to survive Trump's tariffs. Discover why before your portfolio feels the trade war pinch.</p>
<div class="lb-trans"><p>这 13 家公司在 COVID 之后生存并蓬勃发展，具备应对特朗普关税的必要条件。在你的投资组合感受到贸易战压力之前，了解原因。</p>
</div><h2>Citizens Financial Group Investment Narrative Recap</h2>
<div class="lb-trans"><h2>Citizens Financial Group 投资叙事回顾</h2>
</div><p>To own Citizens Financial Group, you need to believe it can keep growing earnings by scaling its private bank and wealth franchise while holding credit and expenses in check. The latest expectation for US$1.12 in Q4 2025 EPS reinforces that near term earnings momentum, but does not materially change the key risk around commercial real estate exposure, which could still pressure asset quality if conditions worsen.</p>
<div class="lb-trans"><p>要拥有 Citizens Financial Group，你需要相信它能够通过扩大其私人银行和财富业务来持续增长盈利，同时控制信贷和支出。对 2025 年第四季度每股收益 1.12 美元的最新预期强化了短期盈利势头，但并未实质性改变与商业房地产风险相关的关键风险，如果情况恶化，仍可能对资产质量造成压力。</p>
</div><p>Among recent announcements, the October 2025 earnings release is most relevant here, with higher net interest income and EPS growth pointing to improving profitability ahead of the expected Q4 step up. That backdrop helps frame private banking and capital markets as central catalysts, but also raises the bar for Citizens to sustain cost discipline and technology driven efficiency gains if credit conditions or regional growth soften.</p>
<div class="lb-trans"><p>在最近的公告中，2025 年 10 月的盈利发布最为相关，较高的净利息收入和每股收益增长预示着在预期的第四季度提升之前盈利能力的改善。这一背景有助于将私人银行和资本市场框定为核心催化剂，但也提高了 Citizens 在信贷条件或区域增长放缓时维持成本纪律和技术驱动效率提升的门槛。</p>
</div><p>Yet investors should be aware that Citizens’ sizeable commercial real estate exposure could still...</p>
<div class="lb-trans"><p>然而，投资者应意识到，Citizens 在商业房地产方面的重大风险仍可能...</p>
</div><p>Read the full narrative on Citizens Financial Group (it's free!)</p>
<div class="lb-trans"><p>阅读关于 Citizens Financial Group 的完整叙事（免费！）</p>
</div><p>Citizens Financial Group's narrative projects $10.3 billion revenue and $2.8 billion earnings by 2028. This requires 12.6% yearly revenue growth and about a $1.3 billion earnings increase from $1.5 billion today.</p>
<div class="lb-trans"><p>Citizens Financial Group 的叙事预计到 2028 年收入将达到 103 亿美元，盈利将达到 28 亿美元。这需要每年 12.6% 的收入增长，以及从今天的 15 亿美元增加约 13 亿美元的盈利。</p>
</div><p>Uncover how Citizens Financial Group's forecasts yield a $62.22 fair value, a 5% upside to its current price.</p>
<div class="lb-trans"><p>揭示 Citizens Financial Group 的预测如何得出 62.22 美元的公允价值，相较于当前价格有 5% 的上涨空间。</p>
</div><h2>Exploring Other Perspectives</h2>
<div class="lb-trans"><h2>探索其他视角</h2>
</div><p><img src="https://imageproxy.pbkrs.com/https://images.simplywall.st/company/4e00a58a-add4-487b-bb12-144763c93888/chart/quote-price" alt="" original-src="https://images.simplywall.st/company/4e00a58a-add4-487b-bb12-144763c93888/chart/quote-price"/></p>
<p>CFG 1-Year Stock Price Chart</p>
<div class="lb-trans"><p>CFG 1 年股票价格图表</p>
</div><p>Three members of the Simply Wall St Community value Citizens Financial Group between US$42.41 and US$83.79, reflecting wide disagreement on upside. When you set those views against the reliance on private banking and wealth growth to support earnings, it underlines why comparing several perspectives can be helpful before forming your own view.</p>
<div class="lb-trans"><p>Simply Wall St 社区的三位成员对 Citizens Financial Group 的估值在 42.41 美元到 83.79 美元之间，反映出对上涨空间的广泛分歧。当你将这些观点与依赖私人银行和财富增长来支持盈利的情况进行比较时，这突显了在形成自己观点之前比较多个视角的帮助。</p>
</div><p>Explore 3 other fair value estimates on Citizens Financial Group - why the stock might be worth 28% less than the current price!</p>
<div class="lb-trans"><p>探索对 Citizens Financial Group 的其他 3 个公允价值估计——为什么该股票可能比当前价格低 28%！</p>
</div><h2>Build Your Own Citizens Financial Group Narrative</h2>
<div class="lb-trans"><h2>创建你自己的 Citizens Financial Group 叙事</h2>
</div><p>Disagree with existing narratives? Create your own in under 3 minutes - extraordinary investment returns rarely come from following the herd.</p>
<div class="lb-trans"><p>不同意现有叙事？在 3 分钟内创建你自己的——非凡的投资回报很少来自跟随大众。</p>
</div><ul>
<li>A great starting point for your Citizens Financial Group research is our analysis highlighting 4 key rewards that could impact your investment decision.</li>
<li>Our free Citizens Financial Group research report provides a comprehensive fundamental analysis summarized in a single visual - the Snowflake - making it easy to evaluate Citizens Financial Group's overall financial health at a glance.</li>
</ul>
<div class="lb-trans"><ul>
<li>开展 Citizens Financial Group 研究的一个良好起点是我们的分析，强调可能影响你投资决策的 4 个关键回报。</li>
<li>我们的免费 Citizens Financial Group 研究报告提供了全面的基本面分析，汇总在一个视觉图中——雪花图，使你能够一目了然地评估 Citizens Financial Group 的整体财务健康状况。</li>
</ul>
</div><h2>Ready To Venture Into Other Investment Styles?</h2>
<div class="lb-trans"><h2>准备好探索其他投资风格了吗？</h2>
</div><p>Don't miss your shot at the next 10-bagger. Our latest stock picks just dropped:</p>
<div class="lb-trans"><p>不要错过下一个十倍股的机会。我们最新的股票推荐刚刚发布：</p>
</div><ul>
<li>This technology could replace computers: discover 28 stocks that are working to make quantum computing a reality.</li>
<li>Trump has pledged to &#34;unleash&#34; American oil and gas and these 22 US stocks have developments that are poised to benefit.</li>
<li>We've found 12 US stocks that are forecast to pay a dividend yield of over 6% next year. See the full list for free.</li>
</ul>
<div class="lb-trans"><ul>
<li>这项技术可能取代计算机：发现 28 只正在努力使量子计算成为现实的股票。</li>
<li>特朗普承诺要 “释放” 美国的石油和天然气，这 22 只美国股票的发展有望受益。</li>
<li>我们发现 12 只预计明年将支付超过 6% 股息收益率的美国股票。查看完整列表，免费获取。</li>
</ul>
</div><p><em>This article by Simply Wall St is general in nature. <strong>We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice.</strong> It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.</em></p>
<div class="lb-trans"><p><em>这篇文章由 Simply Wall St 撰写，内容具有一般性。<strong>我们提供基于历史数据和分析师预测的评论，采用无偏见的方法，我们的文章并不旨在提供财务建议。</strong> 这并不构成买入或卖出任何股票的推荐，也未考虑你的目标或财务状况。我们旨在为你提供以基本数据驱动的长期分析。请注意，我们的分析可能未考虑最新的价格敏感公司公告或定性材料。Simply Wall St 在提到的任何股票中没有持仓。</em></p>
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<div class="lb-trans"><p>移动基础设施用于国防和灾难</p>
</div><p>The next wave in robotics isn't humanoid. Its fully autonomous towers delivering 5G, ISR, and radar in under 30 minutes, anywhere.</p>
<div class="lb-trans"><p>下一波机器人技术不是类人型的。它是完全自主的塔楼，在 30 分钟内提供 5G、ISR 和雷达，随时随地。</p>
</div><p>Get the investor briefing before the next round of contracts</p>
<div class="lb-trans"><p>在下一轮合同之前获取投资者简报</p>
</div><p>Sponsored On Behalf of CiTech</p>
<div class="lb-trans"><p>由 CiTech 赞助</p>
</div>

投资者可能如何回应 Citizens Financial Group (CFG) 激增的每股收益预测和私人银行业务的增长势头