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Citizens Financial Group Earnings Calls
| Release date | Apr 16, 2026 |
| EPS estimate | $1.10 |
| EPS actual | $1.13 |
| EPS Surprise | 2.73% |
| Revenue estimate | 2.164B |
| Revenue actual | 2.168B |
| Revenue Surprise | 0.195% |
| Release date | Jan 21, 2026 |
| EPS estimate | $1.10 |
| EPS actual | $1.13 |
| EPS Surprise | 2.73% |
| Revenue estimate | 2.15B |
| Revenue actual | 2.157B |
| Revenue Surprise | 0.304% |
| Release date | Oct 15, 2025 |
| EPS estimate | $1.03 |
| EPS actual | $1.05 |
| EPS Surprise | 1.94% |
| Revenue estimate | 2.1B |
| Revenue actual | 2.118B |
| Revenue Surprise | 0.85% |
| Release date | Jul 17, 2025 |
| EPS estimate | $0.88 |
| EPS actual | $0.92 |
| EPS Surprise | 4.19% |
| Revenue estimate | 2.01B |
| Revenue actual | 2.037B |
| Revenue Surprise | 1.36% |
Last 4 Quarters for Citizens Financial Group
Below you can see how CFG performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Jul 17, 2025 |
| Price on release | $48.82 |
| EPS estimate | $0.88 |
| EPS actual | $0.92 |
| EPS surprise | 4.19% |
| Date | Price |
|---|---|
| Jul 11, 2025 | $47.67 |
| Jul 14, 2025 | $47.88 |
| Jul 15, 2025 | $46.69 |
| Jul 16, 2025 | $46.97 |
| Jul 17, 2025 | $48.82 |
| Jul 18, 2025 | $48.58 |
| Jul 21, 2025 | $48.60 |
| Jul 22, 2025 | $49.13 |
| Jul 23, 2025 | $49.88 |
| 4 days before | 2.41% |
| 4 days after | 2.17% |
| On release day | -0.492% |
| Change in period | 4.64% |
| Release date | Oct 15, 2025 |
| Price on release | $51.70 |
| EPS estimate | $1.03 |
| EPS actual | $1.05 |
| EPS surprise | 1.94% |
| Date | Price |
|---|---|
| Oct 09, 2025 | $51.85 |
| Oct 10, 2025 | $49.25 |
| Oct 13, 2025 | $50.25 |
| Oct 14, 2025 | $51.80 |
| Oct 15, 2025 | $51.70 |
| Oct 16, 2025 | $48.39 |
| Oct 17, 2025 | $49.31 |
| Oct 20, 2025 | $50.29 |
| Oct 21, 2025 | $50.83 |
| 4 days before | -0.289% |
| 4 days after | -1.68% |
| On release day | -6.40% |
| Change in period | -1.97% |
| Release date | Jan 21, 2026 |
| Price on release | $64.06 |
| EPS estimate | $1.10 |
| EPS actual | $1.13 |
| EPS surprise | 2.73% |
| Date | Price |
|---|---|
| Jan 14, 2026 | $59.93 |
| Jan 15, 2026 | $60.61 |
| Jan 16, 2026 | $60.82 |
| Jan 20, 2026 | $59.81 |
| Jan 21, 2026 | $64.06 |
| Jan 22, 2026 | $64.25 |
| Jan 23, 2026 | $62.64 |
| Jan 26, 2026 | $62.52 |
| Jan 27, 2026 | $63.42 |
| 4 days before | 6.89% |
| 4 days after | -1.00% |
| On release day | 0.297% |
| Change in period | 5.82% |
| Release date | Apr 16, 2026 |
| Price on release | $64.41 |
| EPS estimate | $1.10 |
| EPS actual | $1.13 |
| EPS surprise | 2.73% |
| Date | Price |
|---|---|
| Apr 10, 2026 | $64.17 |
| Apr 13, 2026 | $64.76 |
| Apr 14, 2026 | $64.87 |
| Apr 15, 2026 | $65.19 |
| Apr 16, 2026 | $64.41 |
| Apr 17, 2026 | $64.45 |
| Apr 20, 2026 | $65.76 |
| Apr 21, 2026 | $65.30 |
| Apr 22, 2026 | $65.16 |
| 4 days before | 0.374% |
| 4 days after | 1.16% |
| On release day | 0.0621% |
| Change in period | 1.54% |
Citizens Financial Group Earnings Call Transcript Summary of Q1 2026
Citizens delivered a strong, seasonally soft Q1: EPS $1.13 (+47% YoY) and ROTCE 12.2% driven by NII strength, margin expansion and disciplined expense control. Balance sheet and credit remained healthy (CET1 10.5%; ACL 1.52%; NCOs improving), with broad-based loan growth across private bank, commercial and consumer lines. The Private Bank continues to ramp (now ~$16.6B deposits, ~$7.7B loans, ROE >25%), contributing meaningfully to profits. Reimagine the Bank is on track — the firm reaffirmed a $450M pretax run-rate target by end-2028 and estimates ~ $100M of 2026 exit run-rate benefit so far, with early AI-driven productivity gains underway. Capital returns continued ($500M to shareholders in Q1 via dividends and $300M buybacks); management reiterated full-year guidance (NII/NIM trajectory and fee growth) and a path to 16–18% ROTCE by end of 2027 assuming execution and a normalizing credit backdrop. Management expects modest RWA relief from recent capital rule proposals, which could materially improve CET1 over time.
