Citizens Financial Group, Inc. (CFG) functions as the holding company for Citizens Bank, National Association, a major financial institution offering a comprehensive ...
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Est. EPS $1.40 · Revenue $2.34B · 8 analysts
Est. EPS $1.48 · Revenue $2.40B · 7 analysts
Est. EPS $5.31 · Revenue $9.19B · 11 analysts
Est. EPS $1.42 · Revenue $2.39B · 2 analysts
$1.80 per share
$1.80 per share
| Metric | Latest | YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength. | QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes. |
|---|---|---|---|
| RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three). | $11.1B | -9.7% | +5.6% |
| Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day. | $1.8B | +21.3% | +13.5% |
| Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials. | +69.8% | +21.2% | +0.4% |
| Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on). | +20.9% | +36.6% | +10.0% |
| Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales. | +16.4% | +34.4% | +7.5% |
| Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock. | $2.0B | +8.4% | +197.5% |
| FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine. | +18.3% | +20.1% | +181.7% |
| Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe. | 42.9% | -16.2% | +32.7% |
| Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking. | 1.04x | +311.0% | -95.2% |
| Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground. | $226.4B | +4.1% | +2.6% |
| Metric | Annual (A vs E) | Annual Surprise | Quarter (A vs E) | Quarter Surprise |
|---|---|---|---|---|
| EPS Surprise | 3.86 vs 3.84 | +0.6% | 1.30 vs 1.40 | -7.0% |
| Revenue Surprise | $11.1B vs $8.2B | +35.3% | $3.2B vs $2.3B | +36.4% |
| Date | Executive | Title | Security | Side | Shares | Price |
|---|---|---|---|---|---|---|
| Sep 1, 2026 | Boss Matthew | officer: Head of Consumer Banking | Common Stock | D | 10,778 | $68.87 |
| Aug 20, 2026 | Boss Matthew | officer: Head of Consumer Banking | Common Stock | — | 0 | — |
| Aug 13, 2026 | Cumming Christine M | director | Common Stock | A | 269 | — |
| Aug 13, 2026 | SIEKERKA MICHELE N | director | Common Stock | A | 134 | — |
| Aug 13, 2026 | Leary Robert G | director | Common Stock | A | 208 | — |
Operator: Good morning, everyone, and welcome to the Citizens Financial Group Second Quarter 26 Earnings Conference Call. My name is Ivy, and I will be your operator today. Currently, all participants are in a listen-only mode. As a reminder, this event is being recorded. I will now turn the call over to Kristin Silberberg, Head of Investor Relations. Kristin, you may begin. Kristin Silberberg: Thank you, Ivy. Good morning, everyone, and thank you for joining us. First this morning, our Chairman and CEO, Bruce Winfield Van Saun and CFO, Aunoy Banerjee will provide an overview of our second quarter results. Brendan Coughlin, our President and Ted Swimmer, Head of Commercial Banking are also here to provide additional color. We will be referencing our second quarter located on our Investor Relations website. After the presentation, we will be happy to take your questions. Our comments today will include forward looking statements. Which are subject to risks and uncertainties that may cause our results to differ materially from expectations. These are outlined for your review in the presentation. We also reference non GAAP financial measures. It is important to review our GAAP results in the presentation and the reconciliations in the appendix. And with that, I will hand it over to Bruce. Bruce Winfield Van Saun: Thanks, Kristin, and good morning, everyone. Thanks for joining our call today. Announced outstanding results for the quarter as our strong momentum continues. EPS growth was 15% sequentially quarter, 41% year on year and our ROTCE improved to 13.9%. Our performance was powered by significant revenue growth, NII was up 4.4% sequentially and 14% versus a year ago, which was paced by continued NIM expansion and accelerating loan growth across each of our businesses. Fee revenues were up 8% sequentially, 9% year on year as our capital markets hit a second quarter record, and wealth hit an all time high and various payment related revenues had a nice seasonal bounce. We maintained strong expense discipline which resulted in positive operating leverage of 4% sequentially and 6.4% year on year. Credit continues to trend favorably as we continue to shift originations into portfolios with deep relationships and lower credit risk while continuing to run down non core and CRE portfolios. Our balance sheet remains robust across capital, liquidity, funding and credit allowance. We were pleased about the DFAST stress loss results and we anticipate further improvement under the new Fed models. Our key initiatives are progressing well. The private bank continued its consistent growth with spot deposits of $17.8 billion, loans of $9.7 billion and client wealth assets of $11.2 billion We continue to attract some really great talent and we continue to broaden out and strengthen our capabilities. The business now contributes 11.5% of pretax income while maintaining an ROE of around 25%. Reimagine the bank is moving along nicely We are excited about how …
| Name | Title | Compensation | Gender | Year Born | Status |
|---|---|---|---|---|---|
Bruce Winfield Van Saun | Chief Executive Officer & Chairman of the Board | USD 4,468,550 | Male | 1957 | Active |
Theodore C. Swimmer | Executive VP & Head of Commercial Banking | USD 3,746,082 | Male | 1969 | Active |
Brendan Coughlin | President and Head of Consumer, Private Banking & Wealth | USD 2,184,700 | Male | 1980 | Active |
Aunoy Banerjee | Executive Vice President & Chief Financial Officer | USD 1,647,836 | Male | 1978 | Active |
Susan LaMonica | Executive Vice President & Chief Human Resources Officer | USD 1,162,792 | Female | 1962 | Active |
Chris Emerson | Head of Investor Relations | USD 805,200 | Male | — | Active |
Kristin Silberberg | Head of Investor Relations | USD 805,200 | Female | — | Active |
Michael Ruttledge | Executive Vice President, Chief Information Officer & Head of Enterprise Security and Technology | — | Male | 1964 | Active |
Thomas Metzger | Head of Citizens Private Wealth Manager | — | Male | 1952 | Active |
Michelle Moosally | Executive Vice President, General Counsel and Chief Legal Officer | — | Female | 1976 | Active |
Christopher J. Schnirel | Executive Vice President, Chief Accounting Officer & Controller | — | Male | 1972 | Active |
Citizens Financial Group, Inc. (NYSE: CFG) today announced that it will redeem on October 6, 2026 (the âRedemption Dateâ) all outstanding shares of its 4.00
PROVIDENCE, R.I.--(BUSINESS WIRE)--Citizens Financial Group, Inc. (NYSE: CFG) today announced that it will redeem on October 6, 2026 (the “Redemption Date”) all outstanding shares of its 4.000% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series G (CUSIP: 174610BD6; ISIN: US174610BD66) (the “Series G Preferred Stock”). All 300,000 shares of the Series G Preferred Stock currently outstanding will be redeemed on the Redemption Date. On and after the Redemption Date, no shares of Ser.
Citizens Financial Group is rated BUY, targeting a 16–18% ROTCE, with 2Q26 ROTCE at 13.9%. CFG delivered robust 2Q26 results: 14% net interest income growth, 35% net income growth, and strong capital markets and private banking momentum. CFG trades at a 13% discount to sector median P/B, with forward ROE projected 486% above peers, supporting valuation upside.
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Bank of Nova Scotia purchased a new stake in shares of Citizens Financial Group, Inc. (NYSE: CFG) during the undefined quarter, according to its most recent 13F filing with the Securities and Exchange Commission (SEC). The fund purchased 51,373 shares of the bank's stock, valued at approximately $3,600,000. Several other large investors have
