Citizens Financial Group (CFG Quick QuoteCFG - Free Report) reported $2.32 billion in revenue for the quarter ended September 2026, representing a year-over-year increase of 9.6%. EPS of $1.41 for the same period compares to $1.05 a year ago.

The reported revenue represents a surprise of -0.28% over the Zacks Consensus Estimate of $2.33 billion. With the consensus EPS estimate being $1.38, the EPS surprise was +2.17%.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how Citizens Financial Group performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Efficiency Ratio: 60% versus the five-analyst average estimate of 60.1%.
• Net Interest Margin: 3.2% versus 3.2% estimated by five analysts on average.
• Net charge-offs as a % of average loans and leases: 0.4% versus 0.4% estimated by five analysts on average.
• Average Balances - Total interest-earning assets: $208.94 billion compared to the $209 billion average estimate based on five analysts.
• Return on average common equity: 10.1% versus 9.9% estimated by four analysts on average.
• Tangible book value per common share: $35.78 versus the four-analyst average estimate of $38.26.
• Book value per common share: $54.49 versus the four-analyst average estimate of $57.26.
• Return on average total assets: 1.1% versus 1.1% estimated by four analysts on average.
• Net charge-offs: $137 million versus $134.82 million estimated by four analysts on average.
• Common Equity Tier 1 Capital Ratio (CET1 Capital Ratio): 10.5% versus 9.9% estimated by two analysts on average.
• Tier 1 Leverage Ratio: 9.2% versus the two-analyst average estimate of 9.3%.
• Total Capital Ratio: 13.7% compared to the 13.7% average estimate based on two analysts.

View all Key Company Metrics for Citizens Financial Group here>>>

Shares of Citizens Financial Group have returned -5.9% over the past month versus the Zacks S&P 500 composite's +2.4% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.