Citizens Financial Group, Inc. · CFG · Next earnings

Citizens Financial Group, Inc. reports Friday, Oct 16, 2026

CFG reports before market open with consensus EPS at $1.40 and revenue at $2.34B. Last quarter: CFG Q2: Record Revenue and Operating Leverage Drive 41% YoY EPS Growth

Reports Before market open26 days awayDate estimated Financial Services

What the street expects

Consensus for the coming report
Consensus EPS $1.40 Calendar consensus
Consensus revenue $2.34B Calendar consensus
Report date Oct 16, 2026 Friday, date estimated
Session Before market open 26 days away

Where CFG left off: FY2026 Q2

Full report

CFG Q2: Record Revenue and Operating Leverage Drive 41% YoY EPS Growth

EPS surprise +4.0% Reported $1.30 vs $1.25
Revenue surprise +1.4% Reported $2.28B vs $2.25B
Stock move +4.6% Event window
Subsequent drift -4.2% Up to 20 sessions

Maintained. Management reaffirmed its full-year 2026 outlook and its longer-term targets, including a 16-18% ROTCE by 2027, a mid-50s efficiency ratio, and the $450M Reimagine the Bank pretax benefit by 2028. No guidance was raised or lowered.

What to watch on the call

Carried forward from the last transcript

Risks management flagged

  • Potential upward pressure on deposit costs if the Fed hikes rates, compressing NIM.
  • Ongoing commercial real estate loan runoff with uncertain timing of repayments, creating credit-quality uncertainty.
  • Execution risk around the NEXT branch optimization and private bank expansion, which require significant operational change.

Questions analysts left open

  • Deposit cost beta stability and its trajectory impact on NIM.
  • Potential upside to PPNR and fee guidance if capital markets momentum continues.
  • Timing and scale of private bank office roll-outs, especially in Florida markets.
  • Credit loss trends and commercial real estate portfolio performance.

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Recent CFG quarters

All CFG earnings
+4.6%FY2026 Q2

Sources

  1. FN2 corporate events calendar, resolved from the earnings calendar feed
  2. FN2 earnings calendar analyst consensus
  3. Earnings call transcript analysis, FY2026 Q2

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.