For the quarter ended March 2025, Citizens Financial Group (CFG) reported revenue of $1.94 billion, down 1.2% over the same period last year. EPS came in at $0.77, compared to $0.65 in the year-ago quarter.
The reported revenue represents a surprise of -0.29% over the Zacks Consensus Estimate of $1.94 billion. With the consensus EPS estimate being $0.75, the EPS surprise was +2.67%.
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: 67.9% versus 68.1% estimated by six analysts on average.
- Net Interest Margin: 2.9% versus the six-analyst average estimate of 2.9%.
- Book value per common share: $51.99 versus $50.90 estimated by five analysts on average.
- Return on average common equity: 6.2% compared to the 6% average estimate based on five analysts.
- Net charge-offs: $200 million versus the five-analyst average estimate of $176.35 million.
- Return on average total assets: 0.7% versus 0.7% estimated by five analysts on average.
- Average Balances - Total interest-earning assets: $195.06 billion versus $195.79 billion estimated by five analysts on average.
- Net charge-offs as a % of average loans and leases: 0.6% compared to the 0.5% average estimate based on four analysts.
- Tangible book value per common share: $33.97 compared to the $32.68 average estimate based on four analysts.
- Tier 1 Leverage Ratio: 9.4% versus 9.4% estimated by four analysts on average.
- Tier 1 Capital Ratio: 11.9% versus 12% estimated by three analysts on average.
- Total Capital Ratio: 13.9% 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 -11.9% 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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