Citizens Financial Group (NYSE:CFG) Announces Earnings Results

Citizens Financial Group (NYSE:CFG) issued its quarterly earnings data on Wednesday. The bank reported $1.13 earnings per share (EPS) for the quarter, beating the consensus estimate of $1.11 by $0.02, FiscalAI reports. The company had revenue of $2.16 billion during the quarter, compared to the consensus estimate of $2.16 billion. Citizens Financial Group had a net margin of 15.19% and a return on equity of 7.89%. Citizens Financial Group’s revenue for the quarter was up 8.6% on a year-over-year basis. During the same quarter last year, the company earned $0.85 earnings per share.

Here are the key takeaways from Citizens Financial Group’s conference call:

• Citizens delivered a strong 2025 and provided a upbeat 2026 guide, calling for NII growth of 10%–12%, continued NIM expansion, fees up ~6%–8%, spot loan growth of ~3%–5%, and significant operating?leverage and EPS upside.
• The Private Bank is scaling fast—$14.5B deposits, $10B client assets and $7.2B loans at year?end, 25% ROE and 7% pre?tax accretion in 2025—with medium?term targets of $18B–$20B deposits and $11B–$13B loans.
• Management launched “Reimagine the Bank” (~50 initiatives) aiming for ~$450M pre?tax run?rate benefits by exit 2028; 2026 will include ~ $50M one?time costs (offset by ~$45M benefits) and is expected to be additive to the 16%–18% ROTC target.
• Credit and balance?sheet cleanup continued: non?core assets were reduced from $6.9B to $2.5B, CRE office losses and net charge?offs improved, provisions declined year?over?year, and allowance/coverage metrics remain conservative.
• Capital and shareholder returns remain a priority—CET1 is being managed to ~10.5%–10.6%, the bank plans ~$700M–$850M of buybacks in 2026, returned ~80% of 2025 earnings, and expects potential SCB relief to free up additional capital.

Citizens Financial Group Stock Up 0.3%

CFG stock opened at $64.25 on Friday. The firm’s 50-day moving average is $57.60 and its two-hundred day moving average is $52.94. The company has a market capitalization of $27.59 billion, a price-to-earnings ratio of 16.60, a price-to-earnings-growth ratio of 0.55 and a beta of 0.72. Citizens Financial Group has a 52 week low of $32.60 and a 52 week high of $65.88. The company has a current ratio of 0.85, a quick ratio of 0.84 and a debt-to-equity ratio of 0.44.

Citizens Financial Group Announces Dividend

The business also recently announced a quarterly dividend, which will be paid on Wednesday, February 18th. Shareholders of record on Wednesday, February 4th will be paid a dividend of $0.46 per share. The ex-dividend date of this dividend is Wednesday, February 4th. This represents a $1.84 annualized dividend and a yield of 2.9%. Citizens Financial Group’s dividend payout ratio (DPR) is presently 51.54%.

Institutional Investors Weigh In On Citizens Financial Group

Several hedge funds and other institutional investors have recently added to or reduced their stakes in CFG. State of Wyoming acquired a new stake in shares of Citizens Financial Group in the second quarter valued at $39,000. Kestra Investment Management LLC raised its holdings in shares of Citizens Financial Group by 2,703.0% in the 2nd quarter. Kestra Investment Management LLC now owns 925 shares of the bank’s stock worth $41,000 after purchasing an additional 892 shares in the last quarter. MUFG Securities EMEA plc bought a new stake in Citizens Financial Group during the second quarter worth approximately $58,000. Johnson Financial Group Inc. acquired a new position in Citizens Financial Group in the third quarter worth approximately $105,000. Finally, Brown Brothers Harriman & Co. increased its holdings in shares of Citizens Financial Group by 268.3% in the third quarter. Brown Brothers Harriman & Co. now owns 2,906 shares of the bank’s stock valued at $154,000 after buying an additional 2,117 shares in the last quarter. Institutional investors own 94.90% of the company’s stock.

Citizens Financial Group News Roundup

Here are the key news stories impacting Citizens Financial Group this week:

• Positive Sentiment: Q4 results beat: CFG reported EPS of $1.13 (vs. ~$1.11 consensus) and revenue roughly in line at $2.16B; net income rose ~32% YoY and EPS jumped ~36% YoY — the quarter was driven by higher net interest income and fee growth. Citizens Financial Group, Inc. Reports Fourth Quarter 2025 Net Income
• Positive Sentiment: Profit and momentum headlines: coverage highlights CFG’s profit jump on fee income and notes the stock recently hit an all?time high as investors price in improving core performance. MSN Profit Jumps / Shares Hit All?Time High
• Positive Sentiment: Analyst upgrades lift sentiment: Bank of America raised its target to $78 (buy), DA Davidson to $73 (buy) and Keefe, Bruyette & Woods to $70 (outperform) — each implies mid- to high?teens upside vs. the current price level and signal stronger consensus expectations. Benzinga
• Positive Sentiment: Strategic outlook: a deep?dive piece cites expansion of the private bank and targeted tech initiatives as drivers of medium?term growth and efficiency gains, supporting the bullish case. CFG Q4 Deep Dive: Private Bank Expansion and Strategic Tech Initiatives
• Positive Sentiment: Dividend and shareholder return: CFG declared a quarterly dividend of $0.46/share (ex?div Feb 4; pay Feb 18), implying an annualized yield near 2.8% — supportive for income?oriented investors.
• Neutral Sentiment: Market write?ups and transcripts: multiple earnings call transcripts and analyst note roundups (Seeking Alpha, InsiderMonkey, Zacks) are available — useful for digging into management’s commentary on margins, capital and loan activity but contain no obvious surprises beyond the headline beat. Seeking Alpha: Patience Continuing To Pay Off
• Neutral Sentiment: Upcoming investor events: CFG will present at the UBS Financial Services Conference (Feb 10), which could provide additional color on commercial banking trends and capital deployment but is routine. Business Wire: UBS Conference

Analysts Set New Price Targets

Several research analysts recently commented on the company. Bank of America boosted their price target on Citizens Financial Group from $70.00 to $78.00 and gave the stock a “buy” rating in a research note on Thursday. Jefferies Financial Group reissued a “buy” rating and set a $80.00 price target on shares of Citizens Financial Group in a research report on Wednesday. UBS Group upped their price target on shares of Citizens Financial Group from $57.00 to $62.00 and gave the company a “buy” rating in a report on Tuesday, October 7th. New Street Research set a $73.00 price target on Citizens Financial Group in a research note on Thursday. Finally, DA Davidson lifted their price objective on shares of Citizens Financial Group from $65.00 to $73.00 and gave the stock a “buy” rating in a report on Thursday. One research analyst has rated the stock with a Strong Buy rating, seventeen have issued a Buy rating and two have issued a Hold rating to the company. Based on data from MarketBeat.com, the stock presently has a consensus rating of “Moderate Buy” and an average target price of $65.68.

Citizens Financial Group Company Profile

Citizens Financial Group, Inc (NYSE: CFG) is a bank holding company that provides a broad range of banking and financial services to individuals, small and middle-market businesses, corporations and institutional clients. Headquartered in Providence, Rhode Island, Citizens conducts its banking operations principally through its primary banking subsidiary, Citizens Bank, and serves customers through a combination of branch locations, ATMs and digital channels. The company is publicly traded and operates under the regulatory framework applicable to U.S.