Citizens Financial Group (CFG) reported $2.32 billion in revenue for the quarter ended September 2026, representing a year-over-year increase of 9.6%. EPS of $1.41 for the same period compares to $1.05 a year ago.
The reported revenue represents a surprise of -0.28% over the Zacks Consensus Estimate of $2.33 billion. With the consensus EPS estimate being $1.38, the EPS surprise was +2.17%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
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: Efficiency Ratio: 60% versus the five-analyst average estimate of 60.1%. Net Interest Margin: 3.2% versus 3.2% estimated by five analysts on average. Net charge-offs as a % of average loans and leases: 0.4% versus 0.4% estimated by five analysts on average. Average Balances - Total interest-earning assets: $208.94 billion compared to the $209 billion average estimate based on five analysts. Return on average common equity: 10.1% versus 9.9% estimated by four analysts on average. Tangible book value per common share: $35.78 versus the four-analyst average estimate of $38.26. Book value per common share: $54.49 versus the four-analyst average estimate of $57.26. Return on average total assets: 1.1% versus 1.1% estimated by four analysts on average. Net charge-offs: $137 million versus $134.82 million estimated by four analysts on average. Common Equity Tier 1 Capital Ratio (CET1 Capital Ratio): 10.5% versus 9.9% estimated by two analysts on average. Tier 1 Leverage Ratio: 9.2% versus the two-analyst average estimate of 9.3%. Total Capital Ratio: 13.7% compared to the 13.7% average estimate based on two analysts.View all Key Company Metrics for Citizens Financial Group here>>>
Shares of Citizens Financial Group have returned -5.9% over the past month versus the Zacks S&P 500 composite's +2.4% 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.Beyond Nvidia: AI's Second Wave Is Here
The AI revolution has already minted millionaires. But the stocks everyone knows about aren't likely to keep delivering the biggest profits. AI’s second wave is moving from infrastructure to implementation and these companies are at the forefront of this transition, positioned to become what Amazon and Google were to the internet era.
See Stocks Now >>Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report
Citizens Financial Group, Inc. (CFG): Free Stock Analysis Report
This article originally published on Zacks Investment Research (zacks.com).