Equities Analysts Offer Predictions for CFG Q3 Earnings

Key Points

• Zacks Research has adjusted its Q3 2025 EPS estimate for Citizens Financial Group to $0.98 per share, up from $0.97, with the consensus full-year estimate at $3.92 per share.
• Citizens Financial Group recently reported earnings of $0.92 per share for the last quarter, exceeding the consensus estimate of $0.88 per share, and had a net margin of 13.26%.
• The bank announced a share buyback plan authorizing the repurchase of $1.50 billion in shares, indicating management's belief in the stock's undervaluation.

Citizens Financial Group, Inc. (NYSE:CFG - Free Report) - Equities researchers at Zacks Research boosted their Q3 2025 earnings estimates for shares of Citizens Financial Group in a research report issued on Wednesday, August 13th. Zacks Research analyst Team now expects that the bank will earn $0.98 per share for the quarter, up from their prior estimate of $0.97. The consensus estimate for Citizens Financial Group's current full-year earnings is $3.92 per share. Zacks Research also issued estimates for Citizens Financial Group's FY2026 earnings at $4.65 EPS.

Other equities research analysts have also recently issued reports about the stock. JPMorgan Chase & Co. upgraded shares of Citizens Financial Group from a "neutral" rating to an "overweight" rating and upped their price objective for the stock from $48.50 to $52.00 in a report on Friday, August 1st. Keefe, Bruyette & Woods raised Citizens Financial Group from a "market perform" rating to an "outperform" rating and set a $57.00 target price for the company in a research note on Wednesday, July 9th. Raymond James Financial upped their target price on Citizens Financial Group from $48.00 to $57.00 and gave the stock a "strong-buy" rating in a report on Friday, July 18th. Wall Street Zen upgraded Citizens Financial Group from a "sell" rating to a "hold" rating in a research note on Friday, July 18th. Finally, UBS Group raised their target price on Citizens Financial Group from $50.00 to $53.00 and gave the company a "buy" rating in a report on Friday, May 30th. One analyst has rated the stock with a Strong Buy rating, fourteen have issued a Buy rating and three have assigned a Hold rating to the stock. According to MarketBeat.com, Citizens Financial Group currently has an average rating of "Moderate Buy" and a consensus target price of $51.53.

Citizens Financial Group Price Performance

Shares of NYSE CFG traded down $0.1810 during mid-day trading on Friday, reaching $48.3590. 3,998,903 shares of the company traded hands, compared to its average volume of 4,808,683. Citizens Financial Group has a fifty-two week low of $32.60 and a fifty-two week high of $49.98. The firm has a market cap of $20.86 billion, a PE ratio of 14.70, a price-to-earnings-growth ratio of 0.53 and a beta of 0.78. The company has a debt-to-equity ratio of 0.54, a current ratio of 0.85 and a quick ratio of 0.84. The stock has a fifty day simple moving average of $46.23 and a 200-day simple moving average of $42.69.

Citizens Financial Group (NYSE:CFG - Get Free Report) last issued its earnings results on Thursday, July 17th. The bank reported $0.92 earnings per share (EPS) for the quarter, topping analysts' consensus estimates of $0.88 by $0.04. Citizens Financial Group had a net margin of 13.26% and a return on equity of 6.94%. The firm had revenue of $2.04 billion for the quarter, compared to analysts' expectations of $2.01 billion. During the same quarter last year, the company posted $0.82 earnings per share. Citizens Financial Group's revenue was up 3.8% on a year-over-year basis.

Citizens Financial Group Announces Dividend

The company also recently announced a quarterly dividend, which was paid on Thursday, August 14th. Shareholders of record on Thursday, July 31st were given a dividend of $0.42 per share. The ex-dividend date of this dividend was Thursday, July 31st. This represents a $1.68 annualized dividend and a dividend yield of 3.5%. Citizens Financial Group's dividend payout ratio (DPR) is currently 51.06%.

Citizens Financial Group declared that its Board of Directors has initiated a stock repurchase program on Friday, June 13th that permits the company to repurchase $1.50 billion in outstanding shares. This repurchase authorization permits the bank to reacquire up to 8.5% of its stock through open market purchases. Stock repurchase programs are usually an indication that the company's board believes its stock is undervalued.

Institutional Inflows and Outflows

A number of institutional investors and hedge funds have recently modified their holdings of CFG. Salzhauer Michael grew its position in shares of Citizens Financial Group by 1,034.7% during the 4th quarter. Salzhauer Michael now owns 179,301 shares of the bank's stock valued at $7,846,000 after acquiring an additional 163,500 shares during the period. Barclays PLC raised its position in Citizens Financial Group by 7.1% in the 4th quarter. Barclays PLC now owns 1,660,164 shares of the bank's stock worth $72,649,000 after purchasing an additional 109,335 shares during the period. Mariner LLC increased its position in shares of Citizens Financial Group by 0.4% in the fourth quarter. Mariner LLC now owns 123,002 shares of the bank's stock valued at $5,382,000 after acquiring an additional 507 shares during the period. Belpointe Asset Management LLC bought a new stake in shares of Citizens Financial Group during the 4th quarter valued at about $238,000. Finally, Canada Post Corp Registered Pension Plan purchased a new position in shares of Citizens Financial Group during the fourth quarter valued at approximately $213,000. 94.90% of the stock is owned by institutional investors.

About Citizens Financial Group

Citizens Financial Group, Inc operates as the bank holding company that provides retail and commercial banking products and services to individuals, small businesses, middle-market companies, corporations, and institutions in the United States. The company operates in two segments, Consumer Banking and Commercial Banking.