Citizens Financial Group (CFG) reported $2.04 billion in revenue for the quarter ended June 2025, representing a year-over-year increase of 3.8%. EPS of $0.92 for the same period compares to $0.78 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $2.01 billion, representing a surprise of +1.51%. The company delivered an EPS surprise of +4.55%, with the consensus EPS estimate being $0.88.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Citizens Financial Group performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Efficiency Ratio: 64.8% versus the seven-analyst average estimate of 65.4%.
- Net Interest Margin: 2.9% versus 2.9% estimated by seven analysts on average.
- Average Balances - Total interest-earning assets: $196.32 billion compared to the $196.18 billion average estimate based on six analysts.
- Return on average common equity: 7.2% versus the six-analyst average estimate of 6.8%.
- Return on average total assets: 0.8% compared to the 0.8% average estimate based on six analysts.
- Net charge-offs: $167 million versus $175.17 million estimated by six analysts on average.
- Book value per common share: $53.43 versus $52.81 estimated by six analysts on average.
- Tangible book value per common share: $35.23 compared to the $34.32 average estimate based on five analysts.
- Net charge-offs as a % of average loans and leases: 0.5% versus 0.5% estimated by five analysts on average.
- Common Equity Tier 1 Capital Ratio (CET1 Capital Ratio): 10.6% versus 10.6% estimated by four analysts on average.
- Tier 1 Leverage Ratio: 9.4% versus 9.4% estimated by four analysts on average.
- Total Capital Ratio: 13.8% versus 13.9% estimated by three analysts on average.
View all Key Company Metrics for Citizens Financial Group here>>>
Shares of Citizens Financial Group have returned +13.7% over the past month versus the Zacks S&P 500 composite's +4.2% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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Citizens Financial Group, Inc. (CFG): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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