CFG CITIZENS FINANCIAL GROUP INC/RI

BULLISH Impact: 8/10 8-K
Horizon immediate Filed Apr 16, 2026 Processed 1mo ago SEC 0000759944-26-000070
8-K Item 2.02: Earnings release
Latest settled — T+20d
CFG-PI ▲ +1.43% at T+20d
LONG call ✓ call won +1.43% · α vs SPY -4.38% · entry $25.10 → $25.46
Next anchor: T+60d in 4w
Currently $67.65 · +169.52% from $25.10 entry
Entry anchored
Apr 16, 2026
via day open
T+1d
+0.20%
call +0.20% · α -1.02%
$25.15
settled 8w ago
T+5d
+0.76%
call +0.76% · α -0.23%
$25.29
settled 7w ago
T+20d
+1.43%
call +1.43% · α -4.38%
$25.46
settled 4w ago
T+60d
—
call — · α —
—
in 4w

Price Chart

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Executive Summary

Citizens Financial Group reported strong first-quarter 2026 results with $517 million in net income and diluted EPS of $1.13, representing 39% and 47% year-over-year growth, respectively. Revenue grew 12% YoY to $2.168 billion, driven by a 7 basis point sequential expansion in net interest margin to 3.14% and 11% growth in noninterest income, while credit quality improved with net charge-offs declining to 39 bps. The company maintained a strong CET1 capital ratio of 10.5% and repurchased $300 million in shares.

Actionable Insight

The stock is likely to respond positively to the strong earnings beat, margin expansion, and capital return program. Traders should monitor the company's guidance for NIM improvement to 3.30-3.50% by 4Q27 and continued execution of the Reimagine the Bank initiative, which could drive further ROTCE improvement to 16-18% by end of 2027.

Key Facts

  • Net income of $517 million, up 39% YoY
  • Diluted EPS of $1.13, up 47% YoY
  • Net interest margin expanded to 3.14% (up 7 bps QoQ, 24 bps YoY)
  • Noninterest income grew 11% YoY to $606 million, driven by Capital Markets and Wealth
  • Loans grew 1% QoQ to $143.7 billion with strong growth in Commercial and Private Bank
  • Average deposits increased 1% QoQ to $181.3 billion
  • Net charge-offs improved to 39 bps (down from 43 bps QoQ and 58 bps YoY)
  • CET1 capital ratio remained strong at 10.5%
  • Repurchased $300 million of common stock in the quarter

Financial Impact

Net income increased $144 million (39%) and EPS increased $0.36 (47%) year-over-year

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Risk Factors

  • Geopolitical tensions and macro uncertainty mentioned in CEO commentary
  • Continued decline in mortgage banking fees
  • Dependence on interest rate environment for NIM expansion

Market Snapshot

Exchange
NYSE
Sector
State Commercial Banks

Documents Analyzed

This report is based on 8 SEC documents filed with EDGAR.

DocumentAccession Number
8-K Filing (Primary)0000759944-26-000070
Document: a1q26earningsrelease.htm0000759944-26-000070
Document: a1q26earningspresentatio.htm0000759944-26-000070
Document: cfg-20260416.htm0000759944-26-000070
Document: 0000759944-26-000070-index-headers.html0000759944-26-000070
Document: 0000759944-26-000070-index.html0000759944-26-000070
Document: 0000759944-26-000070.txt0000759944-26-000070
8-K Data (Synthetic)0000759944-26-000070
3 reports for CFG
Performance horizon

Track record builds as more directional reports settle.

Filters
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Reports for CFG — sortable, filterable
Type Now
Apr 16, 2026
8w ago
8-K
BULLISH ★ 8/10
$25.10 $25.46▲ +1.43%▼ −4.38%$67.65 (+169.52%)
Mar 9, 2026
13w ago
DEFA14A
NEUTRAL ★ 3/10
$58.88 $63.78▲ +8.32%▲ +8.48%$67.65 (+14.90%)
Feb 28, 2026
15w ago
Institutional Cluster
BEARISH ★ 6/10
$61.04 $57.40▲ +5.96%▼ −1.97%$67.65 (−10.83%)
Showing 3 of 3

US Market Status

Market Closed — Opens Mon (45h 23m)

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