Citizens Financial (US:CFG) ZACKSยท2025-04-11 14:20Core Viewpoint - Analysts forecast that Citizens Financial Group (CFG) will report quarterly earnings of $0.75 per share, reflecting a year-over-year increase of 15.4%, while revenues are expected to decline by 0.9% to $1.94 billion [1]. Earnings Projections - The consensus EPS estimate has been revised downward by 2.4% in the past 30 days, indicating a reassessment by covering analysts [2]. - Changes in earnings projections are crucial for predicting investor reactions, as empirical studies show a strong correlation between earnings estimate trends and short-term stock price movements [3]. Key Metrics Estimates - The consensus estimate for the Efficiency Ratio is 68.1%, down from 69.3% a year ago [5]. - Analysts estimate the Book Value per Common Share at $50.90, compared to $47.43 last year [5]. - Average Balances of Total Interest-Earning Assets are projected to be $195.79 billion, down from $200.07 billion year-over-year [5]. Financial Ratios - The Return on Average Common Equity is expected to reach 6.0%, up from 5.6% in the same quarter last year [6]. - Net Charge-Offs are forecasted at $176.35 million, slightly down from $181 million a year ago [6]. - Tangible Book Value per Common Share is estimated at $32.68, compared to $30.19 last year [6]. Capital Ratios - The Tier 1 Leverage Ratio is projected to be 9.4%, up from 9.3% in the same quarter last year [7]. - Nonaccrual Loans and Leases are expected to reach $1.62 billion, compared to $1.47 billion a year ago [7]. - The Tier 1 Capital Ratio is anticipated to be 12.0%, slightly up from 11.8% last year [8]. - The Total Capital Ratio is expected to be 13.9%, compared to 13.8% a year ago [8]. - The Common Equity Tier 1 Capital Ratio (CET1 Capital Ratio) is projected at 10.7%, up from 10.6% last year [8]. Recent Performance - Citizens Financial Group shares have decreased by 12.4% in the past month, while the S&P 500 composite has declined by 6.1% [9][10]. - CFG holds a Zacks Rank of 3 (Hold), indicating it is expected to closely follow overall market performance in the near term [10].