Citizens Financial Group Inc Dossier
Outlook & Key Dates
Estimates, guidance, catalysts, and upcoming events
Analyst Estimates Learn more →
5-Yr Fwd EPS Growth
24.6%projected annual EPS growth
Analyst Coverage
17analysts covering
FY EPS (est.)
$5.30next fiscal year
Reporting Calendar
| Event | Expected Date |
|---|---|
| Q3 2026 Earnings Release | 16 Oct 2026 |
| Q4 2026 Earnings Release | 20 Jan 2027 |
Monitoring Framework
Key Performance Indicators
Return on Average Tangible Common Equity (ROTCE) Quarterly12.2Target: 16% to 18% by late 2027
Net Interest Margin (NIM) Quarterly314.0%Target: 3.30% to 3.50% by 4Q 2027
Reimagine the Bank Run-Rate Benefit AnnuallyTarget: $450 million pretax benefit by end of 2028
Common Equity Tier 1 (CET1) Capital Ratio Quarterly1,050.0%Target: 10.0% to 10.5%
Watch Items
- Reimagine the Bank execution and cost-saving milestonesTrigger: Failure to achieve the projected $100 million exit run-rate benefit by year-end 2026Action: Re-evaluate commercial loan loss provisions, CRE office concentration risk, and capital return pace if charge-offs exceed guided levels.
- Net Interest Margin (NIM) compression from deposit beta and rate shiftsTrigger: NIM contraction below 3.10% or failure to expand by 2-3 bps per quarter toward target ranges.Action: Monitor interest rate sensitivity, deposit betas, and competitive funding pressures to ensure NII and NIM guidance trajectory remain on track.
- Private Bank deposit and loan growth trajectoryTrigger: Private Bank deposits falling below the $18-$20 billion target range for 2026Action: Evaluate Wealth/Private Bank deposit acquisition costs, fee income contribution, and margin drag to re-assess medium-term ROE and ROTCE targets.
Research as of 2 Sep 2026