Citizens Bank (CFG) ROTCE + P/TBV + Management Commentary.

 

CEO Bruce Van Saun w/SaraEisen 4/16/26 Squawk on the Street 2nd Hour: "...our NIM and NII should naturally be going up every quarter..." "...we're slightly asset sensitive which means we benefit if rates stay higher..."

 

Ted Swimmer, Head of Commercial Banking, 4/16/26 Earnings Call: "In a number of conversations we've had with private credit since the noise has really started, we really haven't seen a decrease in appetite." "We're getting inbound calls from the private credit side of the business. Technology and software is certainly something that they're not all that interested in investing in right now, but for the most part, the majority of their portfolio, they're still very hungry and there's a lot of demand out there."