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Rhode Island-based Citizens Financial Group, Inc. (CFG) is a diversified regional bank that provides consumer, commercial, and wealth management services across the U.S., generating revenue primarily from net interest income and fee-based activities. Valued at $24.4 billion by market cap, it serves individuals, small businesses, and mid-sized corporations, with a strategic focus on expanding higher-margin businesses like capital markets and advisory
The bank holding company is expected to announce its fiscal first-quarter earnings for 2026, before the market opens on Wednesday, Apr. 16. Ahead of the event, analysts expect CFG to report a profit of $1.08 per share on a diluted basis, up 40.3% from $0.77 per share in the year-ago quarter. The company has consistently surpassed Wall Street’s EPS estimates in its last four quarterly reports.
For the current year, analysts expect CFG to report EPS of $5.08, up 31.6% from $3.86 in fiscal 2025. Its EPS is expected to rise 22.1% year over year to $6.20 in fiscal 2027.
CFG stock has popped 49% over the past year, outperforming the S&P 500 Index’s ($SPX) 17% gains and the State Street Financial Select Sector SPDR Fund’s (XLF) marginal returns over the same time frame.
Citizens Financial’s share fell 2.7% on Mar. 6 amid a broader sell-off in regional banks, triggered by rising concerns over private credit exposure. The decline was sparked by Western Alliance Bancorporation (WAL), which announced a $126.4 million loan write-off after a borrower group led by Jefferies defaulted. This event raised alarms about credit quality and hidden risks in the opaque private lending market, especially as reports also highlighted a private loan being marked down to zero by a major asset manager. As a result, investors reassessed risk across the sector, leading to a sentiment-driven pullback in CFG.
Analysts’ consensus opinion on CFG stock is highly bullish, with a “Strong Buy” rating overall. Out of 23 analysts covering the stock, 18 advise a “Strong Buy” rating, three suggest a “Moderate Buy,” and two give a “Hold.” CFG’s average analyst price target is $71.91, indicating a potential upside of 19.9% from the current levels.
