Core Viewpoint - Citizens Financial Group, Inc. is preparing to release its quarterly earnings on January 21, 2026, with analysts expecting an earnings per share (EPS) of $1.11 and revenue of approximately $2.15 billion, amidst challenges from higher expenses due to expansion and technology investments [1][2]. Financial Performance Expectations - Analysts have set an EPS estimate of $1.11 for the upcoming quarter, with projected revenue around $2.15 billion [2][6]. - CFG is expected to benefit from modest growth in net interest income (NII) due to lower interest rates and strong loan demand, having seen increases in both NII and non-interest income in the previous quarter [3]. Financial Metrics - CFG's price-to-earnings (P/E) ratio is approximately 15.36, indicating the market's valuation of its earnings [4]. - The price-to-sales ratio stands at about 2.17, reflecting the market's valuation relative to its revenue, while the enterprise value to sales ratio is around 2.03 [4]. - The debt-to-equity ratio is approximately 0.41, indicating a moderate level of debt relative to equity, while the current ratio is around 0.26, suggesting potential liquidity challenges [5].

PROVIDENCE, R.I.--(BUSINESS WIRE)--Small businesses across the country will continue to have the opportunity to access critical funding and professional support as Citizens announced today the opening of its ninth annual Small Business Community Champion Award Contest. The program is designed to recognize and empower the business owners whose work strengthens neighborhoods and drives economic growth. This year, 20 small businesses across the Citizens footprint will each receive $10,000, along w. ...

Core Viewpoint - Citizens Financial Group, Inc. (CFG) is expected to report an increase in fourth-quarter and 2025 earnings and revenues compared to the previous year [1][10] Financial Performance Expectations - CFG's net interest income (NII) is projected to rise by 2.5-3% sequentially in Q4 2025, with a Zacks Consensus Estimate of $1.53 billion, reflecting a 2.7% increase from the prior quarter [4] - The average interest-earning assets are estimated at $199.9 billion, indicating a 1.2% rise from the previous quarter [5] - The consensus estimate for fourth-quarter earnings is $1.11 per share, representing a 30.6% increase year-over-year, while revenues are expected to reach $2.15 billion, an 8.2% rise from the previous year [15] Income Sources - Non-interest income is anticipated to be flat, with mortgage banking fees estimated at $51.5 million, a 5.1% decline from the prior quarter [7] - Trust and investment services fees are expected to increase to $96.3 million, a 3.5% rise from the previous quarter [8] - Service charge and fee revenues are projected at $114.9 million, reflecting a 2.6% increase from the prior quarter [9] - Card fees are estimated at $89.6 million, indicating a 2.9% rise from the previous quarter [11] Expense and Asset Quality Outlook - Adjusted non-interest expenses are expected to be stable or slightly up due to the opening of private banking offices and investments in technology [12] - The Zacks Consensus Estimate for non-accrual loans is pegged at $1.57 billion, indicating a sequential rise of 3.3% [13] 2025 Outlook - Management anticipates NII to rise by 3-5% from $5.6 billion in 2024, with a net interest margin (NIM) expected to be 3% [16] - Average loans are projected to decrease by 2-3% from $139.2 billion in 2024, while average earnings assets are forecasted to fall by 1% from $198.1 billion [16] - Non-interest income is expected to increase by 8-10% from $2.6 billion reported in 2024 [16] - Adjusted non-interest expenses are projected to grow by 4% from $5.1 billion in 2024 [17]

PROVIDENCE, R.I.--(BUSINESS WIRE)--Citizens Financial Group (NYSE: CFG) today announced that it has changed the date and time of its fourth quarter and full year quarter 2026 conference call to discuss its financial results to 9:00 a.m. Eastern Time (ET) on Friday, January 15, 2027. Citizens Financial Group will issue a press release reporting its results at approximately 6:20 a.m. ET. The news release will be available at http://investor.citizensbank.com. About Citizens Financial Group, Inc. C. ...

Core Viewpoint - Citizens Financial Group, Inc. (NYSE:CFG) is experiencing significant stock performance, with a 36% increase over the past year, attracting attention from various financial firms regarding its future prospects [2]. Group 1: Stock Performance and Analyst Ratings - Citizens Financial Group's shares have risen by 36% in the last year [2]. - Truist raised the share price target for Citizens Financial from $56 to $63 while maintaining a Hold rating [2]. - Raymond James downgraded the shares from Outperform to Strong Buy but increased the price target from $62 to $66, citing strong share price performance [2]. - Barclays raised its price target for Citizens Financial from $56 to $77 and upgraded the rating to Overweight, highlighting net interest margin expansion and private bank buildout as reasons for optimism [2]. Group 2: Commentary and Market Sentiment - Jim Cramer described Barclays' upgrade as an "oddity," noting the significant increase in stock price already [3]. - The company is recognized for its effective cost management, which could benefit its performance in the long term [2].

Core Insights - The 15th annual M&A Outlook by Citizens indicates a broader U.S. dealmaking landscape anticipated for 2026 [1] - Optimism among leaders at U.S. middle market companies and private equity firms has reached a six-year high, with 58% describing the current mergers and acquisitions environment as strong [1] - This optimism is attributed to a clearer economic picture despite challenges such as rising input costs and supply chain disruptions [1]

Group 1 - The conference call will take place at 9:00 am ET with dial-in options for participants [1] - Individuals can ask questions by calling 800-369-1703, while a listen-only line is available at 800-475-8432 [1] - The live webcast of the conference call can be accessed through the company's investor relations website [1] Group 2 - A replay of the conference call will be available starting at 12:00 pm ET on January 21, 2026, until February 21, 2026 [2] - The webcast replay can also be found on the company's investor relations website under Events & Presentations [2]

Core Insights - Regional banks are reaching all-time highs, with lesser-known names like Citizens Financial Group, East West Bancorp, and Wintrust Financial Corporation leading the charge [1][2]. Group 1: Citizens Financial Group - Citizens Financial Group operates in the Eastern and Midwestern United States, offering a range of banking services, and currently trades at a forward P/E ratio of about 12 [5]. - The bank has a market capitalization of $25 billion and is expected to see earnings growth of over 31% next year, increasing from $3.83 to $5.03 per share, which could lead to a price surge [7]. - Factors such as an increasing net interest margin are contributing to Wall Street's positive outlook on Citizens Financial Group [7]. Group 2: East West Bancorp - East West Bancorp, based in Pasadena, California, has expanded from serving the Chinese-American community to becoming a major regional bank with branches across the West Coast and in Asia [8]. - The bank has a market cap of $15 billion and trades at 13.6 times forward earnings estimates, with analysts projecting a 6.7% increase in earnings next year [10]. - East West Bancorp has a forward dividend yield of about 2%, with dividends increasing by an average annual rate of 17% over the past five years, which may support its high valuation [11]. Group 3: Wintrust Financial Corporation - Wintrust, based in Rosemont, Illinois, operates in the Greater Chicago area and Southwest Florida, and is nearing historical highs [12]. - The bank has a market cap of $9.4 billion and trades at a reasonable 12 times forward earnings estimates, with expected earnings growth of only 4.3% next year [13]. - Wintrust has a forward dividend yield of 1.4%, with quarterly dividends growing by an average of 12.3% annually over the past five years, indicating potential for further stock price increases [14].

Group 1 - Citizens Financial Group, Inc. (CFG) has been added to billionaire David Tepper's portfolio with the purchase of 600,000 shares valued at nearly $32 million, indicating a potential upside of 5% to 25% based on price targets [1] - Truist analyst Brian Foran maintained a Hold recommendation on CFG and raised the price target from $56 to $63, citing improved operating leverage and a more optimistic management outlook despite a marginal EPS slowdown in the banking sector [2][3] - Citizens Capital Markets & Advisory is arranging $390 million in debt financing for River Rock Entertainment Authority, with Gaming and Leisure Properties, Inc. as the primary real estate financing collaborator [3] Group 2 - The funding from the debt financing will be used to upgrade the River Rock Casino into a top-tier destination resort casino, which will be operated by Caesars Entertainment under the Caesars Republic brand, with a planned opening in summer 2027 [4] - CFG operates through Consumer Banking and Commercial Banking divisions, but there are suggestions that certain AI stocks may offer greater upside potential with less downside risk [5]

Group 1 - Citizens raised the target price for cloud communication platform Twilio from $165 to $185, maintaining an "outperform" rating [1]