Citizens Financial Group, Inc. · CFG · Next earnings

Citizens Financial Group, Inc. reports Thursday, Jan 21, 2027

CFG reports before market open with consensus EPS at $1.48 and revenue at $2.40B. Last quarter: CFG Q3: NIM Expansion and Private-Bank Growth Support Outlook

Reports Before market open77 days awayDate estimated Financial Services

What the street expects

Consensus for the coming report
Consensus EPS $1.48 Calendar consensus
Consensus revenue $2.40B Calendar consensus
Report date Jan 21, 2027 Thursday, date estimated
Session Before market open 77 days away

Where CFG left off: FY2026 Q3

Full report

CFG Q3: NIM Expansion and Private-Bank Growth Support Outlook

EPS surprise +1.4% Reported $1.41 vs $1.39
Revenue surprise -0.7% Reported $2.32B vs $2.34B
Stock move -0.1% Event window
Subsequent drift 0.0% Up to 20 sessions

Guidance sentiment was maintained. Management expects continued NIM expansion, loan growth, and fee-income strength in Q4, while acknowledging rate volatility.

What to watch on the call

Carried forward from the last transcript

Risks management flagged

  • Deposit pricing pressure or rate moves that differ from expectations could weaken NIM.
  • Commercial real-estate and office exposure remain credit risks.
  • Capital-markets fees, loan demand, and regulatory-capital constraints may be volatile.

Questions analysts left open

  • Deposit-cost trajectory and deposit-beta expectations could affect NIM.
  • The durability of capital-markets and M&A fee strength remains a focus.
  • Commercial loan demand, CRE exposure, and capital-return flexibility warrant monitoring.

Ask FN2 about CFG next report

Transcript, numbers and history already loaded
What should I watch for in CFG's next earnings report?How did CFG guide last quarter, and is consensus above or below that?Give me the bull and bear case going into CFG earnings.

Free account. Your question opens in FN2 with this report's transcript and numbers attached.

Get the CFG recap when the next report posts

One email per quarter with the scorecard, the market reaction and what changed on the call. No account needed.

Recent CFG quarters

All CFG earnings
-0.1%FY2026 Q3+4.6%FY2026 Q2-1.2%FY2026 Q1-1.8%FY2025 Q1

Sources

  1. FN2 corporate events calendar, resolved from the earnings calendar feed
  2. FN2 earnings calendar analyst consensus
  3. Earnings call transcript analysis, FY2026 Q3

Methodology

The report date comes from FN2's resolved corporate-events calendar and is marked estimated until the company confirms it. Consensus figures are the calendar's latest analyst estimates for the fiscal period and are not an FN2 forecast.

Risks and open questions are carried forward verbatim from FN2's structured analysis of the previous earnings call. Missing values stay missing and are never estimated.

By FN2 Research · Updated . For educational purposes only; not investment advice.