Citizens Financial Group Reports Q4 Profit Surge to $528 Million
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 21 2026
0mins
Should l Buy CFG?
Source: NASDAQ.COM
- Significant Profit Growth: Citizens Financial Group's Q4 net income reached $528 million, with earnings per share of $1.13, marking a 31.7% increase from last year's $401 million and $0.83, indicating a substantial improvement in profitability.
- Revenue Continues to Rise: The company's Q4 revenue grew by 8.6% to $2.15 billion, compared to $1.98 billion last year, reflecting strong business expansion and market demand.
- Stable Adjusted Earnings: Excluding special items, Citizens Financial Group reported adjusted earnings of $528 million, or $1.13 per share, demonstrating consistent performance in its core business operations.
- Increased Market Confidence: With both profit and revenue growth, Citizens Financial Group has significantly boosted investor confidence, potentially driving its stock price higher in the future.
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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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- 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
