Core Insights - Citizens Financial Group, Inc. (CFG) is expected to report third-quarter 2025 results on October 15, 2025, with anticipated increases in earnings and revenues compared to the previous year [1][12][18] Financial Performance - CFG's net interest income (NII) is projected to rise by 3-4% in Q3 2025, supported by stable interest rates and controlled funding costs, with the Zacks Consensus Estimate at $1.49 billion, reflecting a 3.4% increase from the prior quarter [4][12] - The average interest-earning assets are estimated at $197.3 billion, indicating a slight rise from the previous quarter [6] - The consensus estimate for third-quarter revenues is pegged at $2.10 billion, representing a 10.2% increase from the year-ago figure [18] Income Sources - Non-interest income is expected to be impacted negatively by lower mortgage banking fees, with the Zacks Consensus Estimate at $60.9 million, a decline of 16.6% from the prior quarter [8] - Trust and investment services fees are projected to increase by 4% to $91.6 million due to heightened market activity [9] - Capital markets fees are expected to rise significantly by 24.3% to $130.6 million, supported by increased deal-making activities [11] Expenses and Asset Quality - CFG anticipates a rise in adjusted non-interest expenses by 1%-1.5% due to expansion and technological investments [14] - The Zacks Consensus Estimate for non-accrual loans is $1.57 billion, indicating a sequential rise of 3.3% [16] Earnings Expectations - CFG has an Earnings ESP of +0.09%, suggesting a favorable outlook for an earnings beat [17] - The consensus estimate for third-quarter earnings is $1.02 per share, reflecting a 29.1% increase from the year-ago figure [18]

Core Insights - Citizens Financial Group appointed Ted Swimmer as the head of commercial banking, effective immediately, succeeding Don McCree who served for 10 years [1][2] - Swimmer has been with Citizens since 2010 and was previously the head of capital markets and advisory [2] - McCree will continue to chair the bank's commercial-banking arm until his retirement in March 2026 [1] Leadership Transition - Ted Swimmer has built a strong Capital Markets and Advisory business at Citizens, providing clients with excellent ideas and solutions [2][3] - Citizens CEO Bruce Van Saun expressed confidence in Swimmer's leadership capabilities and looks forward to further growth in the Commercial Bank [3] McCree's Contributions - Don McCree is credited with building a well-positioned commercial bank that competes effectively with larger institutions while offering personalized services [4] - Under McCree's leadership, the bank has the largest M&A pipeline it has ever had, with several transactions expected to close in the second and third quarters [4] - The bank's focus on smaller, middle-market transactions has provided it with a level of immunity to larger market challenges [5]

Core Insights - Citizens Financial Group's (CFG) net interest income (NII) has shown steady growth with a CAGR of 5.3% from 2019 to 2024, but it declined to $2.83 billion in the first half of 2025 [1][7] - The Federal Reserve's recent rate cuts are expected to support NII growth, with a reduction of 25 basis points to 4.00–4.25% in September 2025, and potential for two more cuts by year-end [2] - Management projects NII growth of 3–5% in 2025 compared to $5.6 billion in 2024, with an expected improvement in net interest margin (NIM) from 2.85% to 3.0% [3][7] Peers' Performance - Flagstar Financial has experienced volatility in NII, with a four-year CAGR of 18.3% ending in 2024, and a 29.8% decline to $829 million in the first half of 2025, but expects NII between $1.70 billion and $1.75 billion for 2025 [5] - Webster Financial has maintained strong NII growth with a five-year CAGR of 19.6% ending in 2024, reporting $1.2 billion in NII for the first half of 2025, up 8.2% year over year, and projects NII of $2.47–$2.50 billion for 2025 [6]

Core Viewpoint - Citizens Financial Group, Inc. has announced the redemption of its outstanding 4.300% Fixed-Rate Subordinated Notes, which are due on December 3, 2025, with a redemption date set for November 3, 2025 [1][2]. Group 1: Redemption Details - The redemption price for the subordinated notes will be 100% of the principal amount plus any accrued and unpaid interest up to the redemption date [1]. - Holders of the notes will receive a notice regarding the redemption, including the redemption price and further instructions [2]. Group 2: Company Overview - Citizens Financial Group, Inc. is one of the oldest and largest financial institutions in the U.S., with total assets amounting to $218.3 billion as of June 30, 2025 [3]. - The company provides a wide range of banking products and services, including retail and commercial banking, wealth management, and small business offerings [3]. - Citizens operates approximately 3,000 ATMs and around 1,000 branches across 14 states and the District of Columbia [3].

Growth Drivers - Citizens Financial 的增长由财富管理业务和资本市场复苏推动 [1] Leadership Perspective - CEO Bruce Van Saun 指出 Citizens Financial 的增长动力 [1]

Group 1 - Citizens Financial Group, Inc. (CFG) will report its third quarter 2025 earnings on October 15, 2025, with a live conference call scheduled for 9:00 am ET [1] - The company has $218.3 billion in assets as of June 30, 2025, making it one of the nation's oldest and largest financial institutions [2] - Citizens offers a wide range of retail and commercial banking products and services, including mobile and online banking, with approximately 3,000 ATMs and 1,000 branches across 14 states and the District of Columbia [2] Group 2 - In Consumer Banking, Citizens provides a full range of banking, lending, savings, wealth management, and small business offerings [2] - In Commercial Banking, Citizens offers financial products and solutions such as lending, leasing, deposit and treasury management services, and risk management solutions [2]

Core Insights - Citizens Financial Group, Inc. (CFG) is valued at a market cap of $23 billion and has approximately $220 billion in assets, with nearly 1,000 branches and a diverse range of banking operations [1] - The bank is expected to report a profit of $1.02 per share for fiscal Q3 2025, reflecting a 29.1% increase from $0.79 per share in the same quarter last year [2] - Analysts project CFG's profit for fiscal 2025 to be $3.81 per share, a 17.6% increase from $3.24 in fiscal 2024, with further growth expected to $4.95 per share in fiscal 2026 [3] Performance Metrics - CFG's stock has increased by 31.7% over the past 52 weeks, outperforming the S&P 500 Index's 15.6% rise and the Financial Select Sector SPDR Fund's 19.6% return during the same period [4] - On September 17, 2025, CFG announced a reduction in its prime lending rate from 7.50% to 7.25%, which is anticipated to lower borrowing costs for customers and positively impact investor sentiment, resulting in a more than 2% increase in CFG shares [5] Analyst Ratings - Wall Street analysts maintain a highly optimistic outlook on CFG's stock, with a "Strong Buy" rating overall; among 24 analysts, 16 recommend "Strong Buy," 2 suggest "Moderate Buy," and 6 indicate "Hold" [6] - The mean price target for CFG is set at $56.23, suggesting a potential upside of 5.3% from current levels [6]

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Citizens Financial Group (CFG) could be a solid addition to your portfolio given its recent upgrade to a Zacks Rank #2 (Buy). This upgrade is essentially a reflection of an upward trend in earnings estimates -- one of the most powerful forces impacting stock prices.The Zacks rating relies solely on a company's changing earnings picture. It tracks EPS estimates for the current and following years from the sell-side analysts covering the stock through a consensus measure -- the Zacks Consensus Estimate.Since ...

Core Insights - Citizens Financial Group, Inc. (CFG) is a bank holding company based in Providence, Rhode Island, providing a range of retail and commercial banking services with a market cap of $23.1 billion [1][2] Financial Performance - CFG's stock reached a three-year high of $53.78 before a slight pullback, with a notable 29.6% increase over the past three months, outperforming the iShares U.S. Regional Banks ETF's (IAT) 15.5% rise during the same period [3] - Year-to-date, CFG's stock has surged 23.4% and 26.9% over the past 52 weeks, significantly exceeding IAT's 6.7% and 9.8% gains respectively [4] - Following the release of Q2 results on July 17, CFG's stock price increased by 3.9%. The company reported a 3.7% year-over-year growth in net interest income to $1.3 billion, despite a slight dip in gross interest income [5] - CFG's total revenue for the quarter was $1.9 billion, reflecting a 5.2% year-over-year increase, surpassing market expectations. The company's EPS rose 17.9% year-over-year to $0.92, beating consensus estimates by 4.6% [5] Competitive Position - CFG has outperformed its peer, Fifth Third Bancorp (FITB), which saw a 9% increase in 2025 and 5.6% gains over the past 52 weeks [6] - Among 24 analysts covering CFG, the consensus rating is a "Strong Buy," with a mean price target of $56, indicating a potential upside of 4.6% from current levels [6]