Citizens Financial Group Reports Q4 EPS of $1.13, Beating Estimates
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 21 2026
0mins
Should l Buy CFG?
Source: seekingalpha
- Earnings Beat: Citizens Financial Group reported a Q4 non-GAAP EPS of $1.13, exceeding expectations by $0.02, which reflects the company's ongoing improvement in profitability and boosts investor confidence.
- Significant Revenue Growth: The company achieved $2.16 billion in revenue for Q4, marking a 9.1% year-over-year increase and surpassing estimates by $10 million, indicating strong business momentum and reinforcing its market position.
- Market Performance Analysis: Despite recent stock price increases, Truist and Baird downgraded their ratings on Citizens Financial Group, reflecting a cautious market outlook on future growth, which may influence investor decisions.
- Strategic Conference Participation: Citizens Financial Group presented at the Goldman Sachs 2025 U.S. Financial Services Conference, showcasing its future growth strategies and market positioning, aimed at attracting more investor interest in its long-term potential.
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Analyst Views on CFG
Wall Street analysts forecast CFG stock price to rise
15 Analyst Rating
13 Buy
2 Hold
0 Sell
Strong Buy
Current: 64.780
Low
59.00
Averages
66.29
High
77.00
Current: 64.780
Low
59.00
Averages
66.29
High
77.00
About CFG
Citizens Financial Group, Inc. offers a range of retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations and institutions. The Company operates through two segments: Consumer Banking and Commercial Banking. Consumer Banking segment serves consumer customers and small businesses, with products and services that include deposits, mortgage and home equity lending, credit cards, small business loans, wealth management and investment services largely across its 14-state traditional banking footprint. Consumer Banking segment operates approximately 1,000 branches, including 143 in-store locations, and approximately 3,100 ATMs. Commercial Banking segment primarily serves companies and institutions with financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange, interest rate and commodity risk management solutions, as well as syndicated loans, and others.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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- ETF Trading Mechanism: Exchange-traded funds (ETFs) trade similarly to stocks, where investors buy and sell 'units' that can be created or destroyed based on demand, impacting the liquidity and performance of the ETF.
- Inflows and Outflows Monitoring: Weekly monitoring of changes in ETF shares outstanding helps identify those experiencing significant inflows or outflows, allowing investors to stay informed about market dynamics and potential investment opportunities.
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- Rapid Delivery Capability: WRV's valuation reports are completed in days, while large firms often take weeks or months, enabling clients to make swift decisions in a competitive market, thus enhancing their responsiveness.
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- Future Growth Expectations: WRV anticipates accelerated capital release by 2026, with increased transaction activity as market confidence returns, indicating the company's growth potential and strategic positioning in the middle market will be further solidified.
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- Gold Prices Hit Record: Amid the Greenland crisis prompting safe-haven buying, gold prices surged by 1% to a new record high, reflecting increased market anxiety and heightened demand for gold as a store of value.
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- Revenue Growth: Total revenue for Q4 reached $2.16 billion, slightly above the $2.15 billion consensus, and increased from $2.12 billion in Q3 and $1.99 billion in Q4 2024, reflecting strong fee growth and business expansion.
- Net Interest Income Rise: Q4 net interest income was $1.54 billion, up from $1.49 billion in Q3 and $1.41 billion a year earlier, with net interest margin improving from 3.00% in Q3 to 3.07%, showcasing positive impacts from the improved interest rate environment.
- Credit Loss Provision Decline: Provisions for credit losses fell to $137 million from $154 million in Q3 and $162 million in Q4 2024, indicating improved credit quality and effective risk management by the bank.
See More
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- Significant Profit Growth: Citizens Financial Group reported Q4 2025 EPS of $1.13, reflecting an 8% sequential increase and a 36% year-over-year growth, indicating strong profitability and competitive positioning in the market.
- Strong Private Bank Performance: The Private Bank ended 2025 with $14.5 billion in deposits and $7.2 billion in loans, exceeding the 5% target and contributing 7% to pretax income, further solidifying its market position.
- Digital Transformation Initiative: The launch of the 'Reimagine the Bank' program includes around 50 initiatives aimed at enhancing customer experience and achieving substantial revenue growth, with projected pretax benefits of approximately $450 million by 2028.
- Optimistic Future Outlook: Citizens expects net interest income to grow by 10% to 12% in 2026, with loan growth accelerating and overall earning assets improving, showcasing the company's strong growth potential in a favorable macroeconomic environment.
See More
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- Executive Participation: Citizens Financial Group's Chair of Commercial Banking Don McCree and Head of Commercial Banking Ted Swimmer will participate in the UBS Financial Services Conference on February 10, 2026, showcasing the company's leadership in the financial services sector.
- Large Asset Base: As of December 31, 2025, Citizens Financial Group reported total assets of $226.4 billion, reinforcing its position as one of the largest financial institutions in the U.S. and enhancing market confidence.
- Diverse Offerings: The company provides a wide range of retail, private banking, wealth management, and commercial banking products, catering to the diverse needs of individuals, small businesses, and large corporations, thereby improving customer satisfaction and competitive edge.
- Integrated Customer Experience: Citizens Financial integrates mobile and online banking services in its consumer banking operations, with approximately 3,100 ATMs and 1,000 branches, enhancing customer convenience and service quality, which further drives business growth.
See More
