Citizens Financial Group, Inc. (CFG) Earnings Call Transcripts

Citizens Financial Group, Inc.'s Latest Earnings Call - September 14, 2026

In the third quarter of fiscal year 2026, Citizens Financial Group (CFG) reported strong performance driven by robust growth across its Consumer, Commercial, and Private Banking segments. Revenue reached $3.2 billion, exceeding expectations, while earnings per share (EPS) came in at $1.05, beating the consensus estimate by $0.10. Management maintained its guidance for full-year net interest income (NII) growth of 10% to 12%, signaling confidence in continued momentum despite a competitive landscape.

Reported metrics

Guidance from management

Management maintained its guidance for NII growth of 10% to 12% for the full year and expects NIM to expand to 3.22% to 3.27% in Q4, reflecting confidence in continued performance despite competitive pressures.

What management said

I feel good across the board. So we don't see any real hotspots in C&I. I mentioned nothing in Consumer that's been concerning. And then in CRE, the reason that we still have higher charge-offs than we would kind of at this point in the cycle as we're still working off the backlog of the office portfolio, which is much smaller and much more under control, and a lot of it is behind us, but there's still probably a few...

What analysts pressed on

Analysts expressed concerns regarding the competitive landscape for deposits and loans, particularly in light of anticipated Fed rate hikes. There were questions about how Citizens would balance NIM expansion with maintaining loan growth in a tightening environment.

Main topics on the call

• Revenue Growth Across Segments — Citizens Financial reported a revenue of $3.2 billion, driven by strong performance in all business segments. CEO Bruce Van Saun stated, "I think you see our revenues are flexing up and kind of it's a proof point as to w...
• Loan Demand and Growth — Management noted that loan growth is tracking at the upper end of expectations, particularly in the Commercial Bank. Van Saun mentioned, "I think we're tracking to where we thought the kind of loan growth would be on a s...
• Private Banking Performance — The Private Bank segment contributed significantly to earnings, with a reported 25% return on equity (ROE). Van Saun highlighted, "It's now 12% of the bottom line and got a 25% ROE," showcasing the segment's profitabilit...
• NII and NIM Guidance — Management maintained guidance for NII growth of 10% to 12% for the year, with a net interest margin (NIM) expected to expand to 3.22% to 3.27% in Q4. Van Saun stated, "I think we're comfortable with our guide," indicati...

Read the full Citizens Financial Group, Inc. transcript (September 14, 2026) → Summary generated from the call transcript; every figure above is stated by management on the record.

Earnings Call History

EarningsCalls.dev has 78 Citizens Financial Group, Inc. earnings call transcripts on record, spanning January 17, 2020 to September 14, 2026. Based on this history, Citizens Financial Group, Inc. reports quarterly. The most recent call on file is dated September 14, 2026. The full list is below — each row opens the complete, free-to-read transcript.

Ticker

CFG

Exchange

NYSE

Country

US

Sector

Financials

Industry

Banks

Calls on record

78

First call

January 17, 2020

Most recent

September 14, 2026

Reporting cadence

quarterly