CFGCitizens Financial Group

Next report: No date yet; none in the next 8 weeks
Last result: $1.41Beat; vs $1.38 expected on Oct 16
Stock move on it: −0.11%; one session
Typical move: ±2.4%; average over 2 reports
Price: $64.86; −0.80% today · $30.1B cap

Past and upcoming reports


Oct 16, 2026	Sep 30, 2026	Time not given	$1.38	Beat$1.41	Beat+2.2%	−0.11%
Jul 16, 2026	Jun 30, 2026	Time not given	$1.24	Missed$0.92	Missed−25.8%	+4.61%

After the report

Jul 16, 2026 report

This covers the Jul 16, 2026 report. The Oct 16, 2026 numbers are in the table above.

CFG Q2 2026: EPS Miss of -26.4% Triggers -2.7% Selloff. NIM Outlook in Focus

Citizens Financial Group reported Q2 2026 EPS of $0.92, a -26.4% miss vs the $1.25 consensus, sending shares down -2.7% to $72.39. The miss was driven by a -0.4% revenue decline (TTM) and below-average ROE of 7.7%. Despite the miss, the stock retains a Buy consensus (12/15 analysts) with a $80.64 target, supported by strong EPS growth forecasts (+23.9% 5Y CAGR) and a cheap forward P/E of 11.0x. The key forward catalyst is the NIM expansion trajectory, which could re-rate the story if loan demand holds.

Reported against expected

Missed

Reported EPS of $0.92 missed the $1.25 estimate by -26.4% (-$0.33), a significant miss.

Guidance

Raised

Guidance tone is not explicitly provided, but the stock intelligence cites a 'raised NIM outlook' as a positive catalyst, suggesting management signaled NIM expansion.

How the stock reacted

Shares fell -2.7% on the day to $72.39, with volume of 5.2M shares, indicating a clear negative reaction to the miss.

What changed

EPS missed by -26.4%, but NIM outlook was raised, creating a mixed signal.

What the price now assumes

The -2.7% drop prices in the EPS miss, but the stock holds above key MAs, suggesting the NIM raise provides a floor.

What it means for the business

Upgrade bias if NIM expansion materializes. watch Q3 loan growth and net interest income trends.

The next one to three months, as we saw it then

Better case35%

NIM expansion accelerates as loan demand holds, driving EPS growth above consensus and a re-rate toward the $80.64 target.

Base case45%

NIM expansion is gradual, EPS recovers in H2 2026 but remains below pre-miss estimates, stock trades in a $70-$78 range.

Worse case20%

The Q2 miss signals deeper issues: revenue decline and weak ROE persist, NIM expansion fails, and the stock falls toward the $70 low target.

If you hold it

Hold unless next-quarter revenue misses guidance materially or customer concentration risk worsens.

If you are watching

Add only if next-quarter guidance is reiterated or raised. avoid if guidance is cut or geopolitical risk escalates.

Scenario odds are a judgement, not measured.