CFG
CITIZENS FINANCIAL GROUP INC/RI
Overview
Citizens Financial Group, Inc. provides retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations, and institutions through more than 1,000 branches across 14 states and the District of Columbia.
CITIZENS FINANCIAL GROUP INC/RI is a Financial Services company operating in Banks - Regional with a $28.37B market cap.
Most recent reported earnings: Q4 FY2026 (Jan 19, 2027).
21 earnings calls indexed on Spoken Alpha.
Behavioral analysis
Management language signature
Disclosures
Investor Relations
Extracted from Unknown source, 2026-06-21.
Transcripts
Recent earnings calls
Most recent calls indexed for this ticker. Open any call to drill into prepared remarks and Q&A.
- Q1 FY2026Earnings2026-04-1620 Q&A exchanges
- Q4 FY2025Earnings2026-01-2129 Q&A exchanges
- Q3 FY2025Earnings2025-10-1532 Q&A exchanges
- Q2 FY2025Earnings2025-07-1722 Q&A exchanges
- Q1 FY2025Earnings2025-04-1627 Q&A exchanges
- Q4 FY2024Earnings2025-01-1719 Q&A exchanges
- Q3 FY2024Earnings2024-10-1612 Q&A exchanges
- Q2 FY2024Earnings2024-07-1730 Q&A exchanges
- Q1 FY2024Earnings2024-04-1731 Q&A exchanges
- Q4 FY2023Earnings2024-01-1737 Q&A exchanges
- Q3 FY2023Earnings2023-10-1818 Q&A exchanges
- Q2 FY2023Earnings2023-07-1928 Q&A exchanges
- Q1 FY2023Earnings2023-04-1921 Q&A exchanges
- Q4 FY2022Earnings2023-01-1719 Q&A exchanges
- Q3 FY2022Earnings2022-10-1915 Q&A exchanges
- Q2 FY2022Earnings2022-07-1929 Q&A exchanges
- Q1 FY2022Earnings2022-04-1928 Q&A exchanges
- Q4 FY2021Earnings2022-01-1919 Q&A exchanges
- Q3 FY2021Earnings2021-10-2017 Q&A exchanges
- Q2 FY2021Earnings2021-07-2015 Q&A exchanges
- Q1 FY2021Earnings2021-05-0131 Q&A exchanges
History
Earnings history
- Q4 FY20262027-01-19EPS— vs ——Rev— vs ——EODHD
- Q3 FY20262026-10-15EPS— vs ——Rev— vs ——EODHD
- Q2 FY20262026-07-15EPS— vs $1.24—Rev— vs ——EODHD
- Q1 FY20262026-04-15EPS$1.13 vs $1.09+3.7%Rev$3.03B vs ——EODHD
- Q4 FY20252026-01-20EPS$1.13 vs $1.11+1.8%Rev$2.16B vs ——EODHD
- Q3 FY20252025-10-14EPS$1.05 vs $1.03+1.9%Rev$3.09B vs ——EODHD
- Q2 FY20252025-07-16EPS$0.92 vs $0.88+4.5%Rev$3.01B vs ——EODHD
- Q1 FY20252025-04-15EPS$0.77 vs $0.75+2.7%Rev$2.90B vs ——EODHD
- Q4 FY20242025-01-16EPS$0.85 vs $0.83+2.4%Rev$3.03B vs ——EODHD
- Q3 FY20242024-10-15EPS$0.79 vs $0.790.0%Rev$3.07B vs ——EODHD
- Q2 FY20242024-07-16EPS$0.82 vs $0.79+3.8%Rev$3.12B vs ——EODHD
- Q1 FY20242024-04-16EPS$0.79 vs $0.76+4.0%Rev$3.13B vs ——EODHD
- Q4 FY20232024-01-16EPS$0.85 vs $0.84+1.2%Rev$3.18B vs ——EODHD
- Q3 FY20232023-10-17EPS$0.89 vs $0.91-2.2%Rev$3.09B vs ——EODHD
- Q2 FY20232023-07-18EPS$1.04 vs $1.00+4.0%Rev$3.04B vs ——EODHD
- Q1 FY20232023-04-18EPS$1.10 vs $1.13-2.6%Rev$2.89B vs ——EODHD
- Q4 FY20222023-01-16EPS$1.32 vs $1.320.0%Rev$2.79B vs ——EODHD
- Q3 FY20222022-10-18EPS$1.30 vs $1.27+2.4%Rev$2.48B vs ——EODHD
- Q2 FY20222022-07-18EPS$1.14 vs $1.02+11.8%Rev$2.09B vs ——EODHD
- Q1 FY20222022-04-18EPS$1.07 vs $0.91+17.6%Rev$1.71B vs ——EODHD
| Period | Reported | EPS actual | EPS consensus | EPS surprise | Revenue actual | Revenue consensus | Rev. surprise | Source |
|---|---|---|---|---|---|---|---|---|
| Q4 FY2026 | 2027-01-19 | — | — | — | — | — | — | EODHD |
| Q3 FY2026 | 2026-10-15 | — | — | — | — | — | — | EODHD |
| Q2 FY2026 | 2026-07-15 | — | $1.24 | — | — | — | — | EODHD |
| Q1 FY2026 | 2026-04-15 | $1.13 | $1.09 | +3.7% | $3.03B | — | — | EODHD |
| Q4 FY2025 | 2026-01-20 | $1.13 | $1.11 | +1.8% | $2.16B | — | — | EODHD |
| Q3 FY2025 | 2025-10-14 | $1.05 | $1.03 | +1.9% | $3.09B | — | — | EODHD |
| Q2 FY2025 | 2025-07-16 | $0.92 | $0.88 | +4.5% | $3.01B | — | — | EODHD |
| Q1 FY2025 | 2025-04-15 | $0.77 | $0.75 | +2.7% | $2.90B | — | — | EODHD |
| Q4 FY2024 | 2025-01-16 | $0.85 | $0.83 | +2.4% | $3.03B | — | — | EODHD |
| Q3 FY2024 | 2024-10-15 | $0.79 | $0.79 | 0.0% | $3.07B | — | — | EODHD |
| Q2 FY2024 | 2024-07-16 | $0.82 | $0.79 | +3.8% | $3.12B | — | — | EODHD |
| Q1 FY2024 | 2024-04-16 | $0.79 | $0.76 | +4.0% | $3.13B | — | — | EODHD |
| Q4 FY2023 | 2024-01-16 | $0.85 | $0.84 | +1.2% | $3.18B | — | — | EODHD |
| Q3 FY2023 | 2023-10-17 | $0.89 | $0.91 | -2.2% | $3.09B | — | — | EODHD |
| Q2 FY2023 | 2023-07-18 | $1.04 | $1.00 | +4.0% | $3.04B | — | — | EODHD |
| Q1 FY2023 | 2023-04-18 | $1.10 | $1.13 | -2.6% | $2.89B | — | — | EODHD |
| Q4 FY2022 | 2023-01-16 | $1.32 | $1.32 | 0.0% | $2.79B | — | — | EODHD |
| Q3 FY2022 | 2022-10-18 | $1.30 | $1.27 | +2.4% | $2.48B | — | — | EODHD |
| Q2 FY2022 | 2022-07-18 | $1.14 | $1.02 | +11.8% | $2.09B | — | — | EODHD |
| Q1 FY2022 | 2022-04-18 | $1.07 | $0.91 | +17.6% | $1.71B | — | — | EODHD |
Source: EODHD. CFG reported actuals as published; sparse fields render as —.
Track Record
SampleSpoken Alpha tracks CFG's historical accountability: how often management beat consensus, how the stock reacted, and how guidance evolved across the cycle. The figures below are illustrative placeholder data generated for layout — they will be replaced with real deviation metrics, True Consensus values, and EODHD price reactions as those data layers land.
Beats consensus 10/10 quarters with 100% positive reaction rate
SampleConsistent execution against consensus with the stock following through is the cleanest signal a guidance regime is calibrated. Worth watching for the inflection where execution deteriorates relative to the bar.
Raised guidance 8 quarters in a row
SampleConsecutive raises tighten the bar quarter over quarter. Watch the most recent print for the magnitude of the beat — a smaller beat against a higher bar is the early signal that the regime is breaking.
Quarterly beats & misses
Sample| Quarter | Actual EPS | Consensus | Surprise | 1D | 5D |
|---|---|---|---|---|---|
| Q1 FY2026 | $1.33 | $0.92 | +44.4% | +3.3% | +4.0% |
| Q4 FY2026 | $1.47 | $0.98 | +50.1% | +4.3% | +3.0% |
| Q3 FY2026 | $1.39 | $0.94 | +47.4% | +7.4% | +9.1% |
| Q2 FY2026 | $1.29 | $0.92 | +40.5% | +5.5% | +2.7% |
| Q1 FY2025 | $1.41 | $0.94 | +49.6% | +4.2% | +2.7% |
| Q4 FY2025 | $1.21 | $0.86 | +40.6% | +3.5% | +5.3% |
| Q3 FY2025 | $1.44 | $0.96 | +49.5% | +0.6% | -1.7% |
| Q2 FY2025 | $1.25 | $0.88 | +42.5% | +5.7% | +6.2% |
| Q1 FY2024 | $1.50 | $1.06 | +41.5% | +7.9% | +9.7% |
| Q4 FY2024 | $1.26 | $0.92 | +36.7% | +7.5% | +7.1% |
Guidance change history
Sample- Q1 FY2026Raised2026-04-15
- Q4 FY2026Raised2026-13-15
- Q3 FY2026Raised2026-10-15
- Q2 FY2026Raised2026-07-15
- Q1 FY2025Raised2025-04-15
- Q4 FY2025Raised2025-13-15
- Q3 FY2025Raised2025-10-15
- Q2 FY2025Raised2025-07-15
Top executives
SampleSpoken Alpha builds an accountability record per executive — how the person's own guidance, language, and reactions have evolved across every call they've appeared on. The one-liners below are illustrative placeholder data pending the deviation v1 work. Click any name for the full role timeline and call appearance history.
- Saun Bruce VanCEO4 mono recorded callsCurrentSample
CEO since 2026 • 1/2 beats (50%) • last call held guidance Q1 FY2026
- Aunoy BanerjeeCFO3 mo1 callCurrentSample
CFO since 2026 • 1/2 beats (50%) • last guidance cut Q1 FY2026
- Brendan CoughlinPresident4 mo20 callsCurrentSample
PRESIDENT since 2026 • 1/2 beats (50%) • guidance suspended Q3 FY2026
- Richard L SteinChief Risk Officer3 mono recorded callsCurrentSample
OTHER_C_SUITE since 2026 • 1/2 beats (50%) • last call held guidance Q1 FY2026
- Michelle MoosallyChief Legal Officer3 mono recorded callsCurrentSample
OTHER_C_SUITE since 2026 • 2/2 beats (100%) • last call held guidance Q3 FY2026
- Christopher J SchnirelChief Accounting Officer3 mono recorded callsCurrentSample
OTHER_C_SUITE since 2026 • 1/2 beats (50%) • guidance suspended Q2 FY2026
Peers
Other companies in Financial Services
Sector peers tracked by Spoken Alpha. Each links to the same machine-readable IR surface — earnings calls, executives, and accountability scores.
API
For developers and AI agents
The same data on this page is available as a machine-readable feed via the Spoken Alpha API. One call returns the IR URL, recent transcripts, and accountability scores for CFG.
$ curl https://api.spokenalpha.com/v1/companies/CFGFAQ
Frequently asked about CFG
Where can I find CITIZENS FINANCIAL GROUP INC/RI's (CFG) earnings call transcripts?
Spoken Alpha indexes CFG's earnings call transcripts at https://spokenalpha.com/companies/CFG. Each call links to attributed speakers and parsed analyst Q&A. CITIZENS FINANCIAL GROUP INC/RI's own investor relations page is at https://investor.citizensbank.com/about-us/investor-relations.aspx.
When was CITIZENS FINANCIAL GROUP INC/RI's most recent earnings call?
CITIZENS FINANCIAL GROUP INC/RI (CFG) held its most recent earnings call on 2026-04-16, covering fiscal Q1 2026.
What sector is CFG in?
CITIZENS FINANCIAL GROUP INC/RI (CFG) operates in the Financial Services sector (Banks - Regional industry).