Compared to Estimates, Citizens Financial Group (CFG) Q4 Earnings: A Look at Key Metrics

Core Insights - Citizens Financial Group (CFG) reported a revenue of $2.16 billion for Q4 2025, marking an 8.6% year-over-year increase and a surprise of +0.39% over the Zacks Consensus Estimate of $2.15 billion [1] - The earnings per share (EPS) for the same quarter was $1.13, compared to $0.85 a year ago, resulting in an EPS surprise of +2.03% against the consensus estimate of $1.11 [1] Financial Performance Metrics - Net charge-offs as a percentage of average loans and leases remained stable at 0.4%, matching the average estimate from six analysts [4] - The efficiency ratio was reported at 62.2%, consistent with the six-analyst average estimate [4] - Net interest margin stood at 3.1%, aligning with the average estimate from six analysts [4] - Return on average total assets was 1%, exceeding the average estimate of 0.9% from six analysts [4] - Tangible book value per common share was $38.07, surpassing the estimated $37.44 from five analysts [4] - Book value per common share reached $56.39, compared to the average estimate of $55.70 from five analysts [4] - Return on average common equity was reported at 8.2%, above the average estimate of 7.9% from five analysts [4] - Average balances of total interest-earning assets were $199.17 billion, slightly below the average estimate of $199.89 billion from five analysts [4] - Net charge-offs totaled $155 million, slightly above the estimated $152.71 million from five analysts [4] - Tier 1 leverage ratio was 9.4%, matching the average estimate from four analysts [4] - Common Equity Tier 1 Capital Ratio (CET1) was reported at 10.6%, slightly below the average estimate of 10.7% from four analysts [4] - Nonaccrual loans and leases amounted to $1.5 billion, better than the average estimate of $1.57 billion from three analysts [4] Stock Performance - Citizens Financial Group's shares returned +0.5% over the past month, outperforming the Zacks S&P 500 composite, which saw a -0.4% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market in the near term [3]