C CFG

Citizens Financial Group Inc

$60.99

+0.69% (+$0.42)

Volume 3.76M

52W High $68.79

52W Low $32.60

Market Cap $15.52B

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What to Watch This Quarter

Based on historical data

Consensus EPS

$1.10

Whisper EPS

$1.13

2.8% above consensus

Last Quarter

$1.13

Current Streak

5 Beats

Avg Surprise (4Q)

+2.74%

Next Earnings Report

Reports in 8 days

Report Date Apr 15, 2026

Whisper Spread +2.78%

Consensus Estimate

$1.10

Official analyst average

Whisper Number

$1.13

What traders expect

Bullish Sentiment: The whisper number is 2.8% above consensus, suggesting traders expect a strong beat. The stock may be priced for upside surprise.

Price Chart

EPS History: Consensus vs Actual

Last 12 quarters

Price Movement Around Earnings

Q4 2025 Jan 21, 2026

1-Day: +0.30%

5-Day: -2.40%

Q3 2025 Oct 15, 2025

1-Day: -6.40%

5-Day: -2.73%

Q2 2025 Jul 17, 2025

1-Day: -0.49%

5-Day: +0.63%

Q1 2025 Apr 16, 2025

1-Day: -0.03%

5-Day: -2.74%

Revenue & Financial Performance

Revenue Whisper

$2.92B

TWN Proprietary Estimate

Last Quarter Revenue

$2.16B

-28.7% YoY

Gross Margin

100.0%

Net Margin: 24.5%

Quarter	Revenue	YoY Growth	Gross Margin	Op Margin	Net Income
Q4'25	$2.16B	-28.7%	100.0%	31.4%	$528.0M
Q3'25	$3.09B	+0.5%	63.6%	20.4%	$494.0M
Q2'25	$3.01B	-3.8%	62.3%	18.4%	$436.0M
Q1'25	$2.90B	-7.4%	61.5%	16.2%	$373.0M
Q4'24	$3.03B	-4.7%	60.0%	16.8%	$401.0M
Q3'24	$3.07B	-0.5%	56.3%	15.3%	$382.0M
Q2'24	$3.12B	+2.9%	56.9%	15.4%	$392.0M
Q1'24	$3.13B	+8.3%	57.2%	13.8%	$334.0M

Historical Earnings

Last 12 quarters

Quarter	Date	Consensus	Whisper	Actual EPS	Surprise %	Result
Q4 2025	Jan 21, 2026	$1.11	$1.15	$1.13	+1.80%	Missed
Q3 2025	Oct 15, 2025	$1.03	$1.06	$1.05	+1.94%	Met
Q2 2025	Jul 17, 2025	$0.88	$0.91	$0.92	+4.55%	Beat
Q1 2025	Apr 16, 2025	$0.75	$0.77	$0.77	+2.67%	Met
Q4 2024	Jan 17, 2025	$0.83	$0.86	$0.85	+2.41%	Met
Q3 2024	Oct 16, 2024	$0.79	$0.81	$0.79	+0.00%	Missed
Q2 2024	Jul 17, 2024	$0.79	$0.82	$0.82	+3.80%	Met
Q1 2024	Apr 17, 2024	$0.76	$0.77	$0.79	+3.95%	Beat
Q4 2023	Jan 17, 2024	$0.84	$0.83	$0.85	+1.19%	Beat
Q3 2023	Oct 18, 2023	$0.91	$0.92	$0.89	-2.20%	Missed
Q2 2023	Jul 19, 2023	$1.00	$1.02	$1.04	+4.00%	Beat
Q1 2023	Apr 19, 2023	$1.13	$1.18	$1.10	-2.65%	Missed