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Citizens Financial Group Earnings Calls
| Release date | Apr 16, 2026 |
| EPS estimate | $1.09 |
| EPS actual | $1.13 |
| EPS Surprise | 3.67% |
| 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 | $1.13 |
| EPS Surprise | 9.71% |
| Revenue estimate | 2.1B |
| Revenue actual | 2.458B |
| Revenue Surprise | 17.04% |
| Release date | Jul 17, 2025 |
| EPS estimate | $0.88 |
| EPS actual | $1.00 |
| EPS Surprise | 13.14% |
| Revenue estimate | 2.165B |
| Revenue actual | 2.407B |
| Revenue Surprise | 11.19% |
Last 4 Quarters for Citizens Financial Group
Below you can see how CFG-PE 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 | $19.53 |
| EPS estimate | $0.88 |
| EPS actual | $1.00 |
| EPS surprise | 13.14% |
| Date | Price |
|---|---|
| Jul 11, 2025 | $19.46 |
| Jul 14, 2025 | $19.33 |
| Jul 15, 2025 | $19.15 |
| Jul 16, 2025 | $19.11 |
| Jul 17, 2025 | $19.53 |
| Jul 18, 2025 | $19.49 |
| Jul 21, 2025 | $19.51 |
| Jul 22, 2025 | $19.52 |
| Jul 23, 2025 | $19.48 |
| 4 days before | 0.360% |
| 4 days after | -0.256% |
| On release day | -0.184% |
| Change in period | 0.103% |
| Release date | Oct 15, 2025 |
| Price on release | $20.44 |
| EPS estimate | $1.03 |
| EPS actual | $1.13 |
| EPS surprise | 9.71% |
| Date | Price |
|---|---|
| Oct 09, 2025 | $20.60 |
| Oct 10, 2025 | $20.42 |
| Oct 13, 2025 | $20.41 |
| Oct 14, 2025 | $20.30 |
| Oct 15, 2025 | $20.44 |
| Oct 16, 2025 | $20.21 |
| Oct 17, 2025 | $20.13 |
| Oct 20, 2025 | $20.21 |
| Oct 21, 2025 | $20.34 |
| 4 days before | -0.777% |
| 4 days after | -0.489% |
| On release day | -1.13% |
| Change in period | -1.26% |
| Release date | Jan 21, 2026 |
| Price on release | $19.61 |
| EPS estimate | $1.10 |
| EPS actual | $1.13 |
| EPS surprise | 2.73% |
| Date | Price |
|---|---|
| Jan 14, 2026 | $19.60 |
| Jan 15, 2026 | $19.71 |
| Jan 16, 2026 | $19.69 |
| Jan 20, 2026 | $19.48 |
| Jan 21, 2026 | $19.61 |
| Jan 22, 2026 | $19.77 |
| Jan 23, 2026 | $19.82 |
| Jan 26, 2026 | $19.90 |
| Jan 27, 2026 | $19.95 |
| 4 days before | 0.0510% |
| 4 days after | 1.71% |
| On release day | 0.82% |
| Change in period | 1.76% |
| Release date | Apr 16, 2026 |
| Price on release | $19.02 |
| EPS estimate | $1.09 |
| EPS actual | $1.13 |
| EPS surprise | 3.67% |
| Date | Price |
|---|---|
| Apr 10, 2026 | $18.97 |
| Apr 13, 2026 | $18.97 |
| Apr 14, 2026 | $19.03 |
| Apr 15, 2026 | $19.08 |
| Apr 16, 2026 | $19.02 |
| Apr 17, 2026 | $19.05 |
| Apr 20, 2026 | $19.16 |
| Apr 21, 2026 | $19.11 |
| Apr 22, 2026 | $19.18 |
| 4 days before | 0.276% |
| 4 days after | 0.84% |
| On release day | 0.158% |
| Change in period | 1.12% |
Citizens Financial Group Earnings Call Transcript Summary of Q1 2026
Citizens Financial Group reported a strong start to 2026 with Q1 EPS of $1.13 (up 47% YoY), ROTCE of 12.2%, positive operating leverage (+7% YoY) and NIM expansion (+24 bps YoY; NIM 3.14%). The bank highlighted continued loan and deposit growth—notably in the Private Bank (deposits $16.6B; loans $7.7B) —and prudent credit trends (ACL 1.52%, net charge-offs 39 bps). Strategic execution is progressing: the Private Bank is scaling (9 PBOs opened, more planned), the “Reimagine the Bank” program is on track with a $450M pretax P&L target by end-2028 and an estimated ~$100M 2026 exit run-rate benefit, and management expects continued tailwinds from capital markets and private capital activity. Citizens ended the quarter with CET1 ~10.5%, returned ~$500M to shareholders (dividend + $300M buybacks), and reiterated its full-year guidance, including NII/NIM targets and a pathway to a 16–18% ROTCE by end-2027 contingent on NIM and execution. Management emphasized disciplined exposure to private credit and selective, relationship-driven loan growth while noting potential regulatory capital relief from proposed rule changes (management estimates ~10% RWA reduction translating to ~110 bps CET1 benefit in a simple view, with net benefit partially offset by AOCI phasing).
