Citizens Financial Group (CFG) reported $2.16 billion in revenue for the quarter ended December 2025, representing a year-over-year increase of 8.6%. EPS of $1.13 for the same period compares to $0.85 a year ago.
The reported revenue represents a surprise of +0.39% over the Zacks Consensus Estimate of $2.15 billion. With the consensus EPS estimate being $1.11, the EPS surprise was +2.03%.
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:
- Net charge-offs as a % of average loans and leases: 0.4% versus 0.4% estimated by six analysts on average.
- Efficiency Ratio: 62.2% versus the six-analyst average estimate of 62.2%.
- Net Interest Margin: 3.1% versus 3.1% estimated by six analysts on average.
- Return on average total assets: 1% compared to the 0.9% average estimate based on six analysts.
- Tangible book value per common share: $38.07 versus $37.44 estimated by five analysts on average.
- Book value per common share: $56.39 compared to the $55.70 average estimate based on five analysts.
- Return on average common equity: 8.2% compared to the 7.9% average estimate based on five analysts.
- Average Balances - Total interest-earning assets: $199.17 billion compared to the $199.89 billion average estimate based on five analysts.
- Net charge-offs: $155 million versus $152.71 million estimated by five analysts on average.
- Tier 1 Leverage Ratio: 9.4% compared to the 9.4% average estimate based on four analysts.
- Common Equity Tier 1 Capital Ratio (CET1 Capital Ratio): 10.6% compared to the 10.7% average estimate based on four analysts.
- Nonaccrual loans and leases: $1.5 billion versus the three-analyst average estimate of $1.57 billion.
View all Key Company Metrics for Citizens Financial Group here>>>
Shares of Citizens Financial Group have returned +0.5% over the past month versus the Zacks S&P 500 composite's -0.4% 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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