Citizens Financial Group (CFG) reported $2.12 billion in revenue for the quarter ended September 2025, representing a year-over-year increase of 11.4%. EPS of $1.05 for the same period compares to $0.79 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $2.1 billion, representing a surprise of +0.93%. The company delivered an EPS surprise of +2.94%, with the consensus EPS estimate being $1.02.
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.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
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: 63% versus the six-analyst average estimate of 63.5%.
- Net Interest Margin: 3% versus the six-analyst average estimate of 3%.
- Return on average common equity: 7.8% compared to the 7.5% average estimate based on five analysts.
- Book value per common share: $54.97 compared to the $54.04 average estimate based on five analysts.
- Return on average total assets: 0.9% versus the five-analyst average estimate of 0.9%.
- Net charge-offs: $162 million compared to the $161.85 million average estimate based on five analysts.
- Average Balances - Total interest-earning assets: $197.6 billion compared to the $197.34 billion average estimate based on five analysts.
- Tier 1 Leverage Ratio: 9.4% versus the four-analyst average estimate of 9.4%.
- Tangible book value per common share: $36.73 versus $36.05 estimated by four analysts on average.
- Net charge-offs as a % of average loans and leases: 0.5% compared to the 0.5% average estimate based on four analysts.
- Common Equity Tier 1 Capital Ratio (CET1 Capital Ratio): 10.7% versus the three-analyst average estimate of 10.6%.
- Tier 1 Capital Ratio: 11.9% compared to the 11.9% average estimate based on three analysts.
View all Key Company Metrics for Citizens Financial Group here>>>
Shares of Citizens Financial Group have returned +1.3% over the past month versus the Zacks S&P 500 composite's +1% 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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