Computed from published fixed rules, not a model's judgement — though one input, the count of high-severity risks, comes from the AI analysis below.
Not investment advice and not a price target: it scores the quarter's fundamentals, not the stock. Full methodology →
AI Takeaway
Citizens Financial Group delivered a strong Q1 2026 with revenue rising 12.0% YoY to $2.17B and net income surging 38.6% to $517M, driven by improved operating cash flow and higher earnings per share.
Revenue
$2.17B
+12.04% YoY
EPS (Diluted)
$1.13
+46.75% YoY
Source: SEC XBRL
Citizens Financial Group (CFG) reported Q1 FY2026 revenue of $2.17B, up 12.0% year over year. Operating cash flow was $237M. CFG's fiscal Q1 FY2026 corresponds to calendar Q1 2026.
Last 4 quarters: 4 beats
| Quarter | Actual EPS (USD) | Consensus (USD) | Result |
|---|---|---|---|
| Jun 2026 | 1.30 | 1.25 | Beat +3.7% |
| Mar 2026This filing | 1.13 | 1.10 | Beat +2.8% |
| Dec 2025 | 1.13 | 1.12 | Beat +1.1% |
| Sep 2025 | 1.05 | 1.04 | Beat +1.3% |
Reported EPS of $1.13 versus the $1.10 analyst consensus — a +2.8% beat for Mar 2026.
Compiled by AI from this SEC filing
Total revenue increased 12.0% year-over-year to $2.168B in Q1 2026 from $1.935B in Q1 2025, reflecting broad-based business momentum across the bank's lending and fee-generating segments.
Source: 10-Q Financial Data, Income Statement
Net income jumped 38.6% YoY to $517M, with net margin expanding to approximately 23.8%, indicating that revenue growth translated efficiently into bottom-line profitability and that cost management was effective during the quarter.
Source: 10-Q Financial Data, Income Statement
Operating cash flow swung dramatically from -$213M in Q1 2025 to +$237M in Q1 2026, a 211.3% improvement, signaling a meaningful recovery in the bank's core cash-generating ability.
Source: 10-Q Financial Data, Cash Flow Statement
Share buybacks increased 50% YoY to $300M in Q1 2026 versus $200M in Q1 2025, demonstrating management's confidence in the bank's capital position and commitment to returning value to shareholders.
Source: 10-Q Financial Data, Cash Flow Statement
Total assets grew 3.5% YoY to $227.9B while stockholders' equity rose 5.3% to $26.2B, reflecting steady balance sheet growth and an improving equity base supporting future lending capacity.
Source: 10-Q Financial Data, Balance Sheet
Compiled by AI from this SEC filing · 2 high, 3 medium, 0 low
CFG's debt-to-equity ratio stands at approximately 7.71x, which is characteristic of large banks but indicates significant leverage. Any deterioration in asset quality or unexpected credit losses could disproportionately impact equity and capital ratios.
Source: 10-Q Financial Data, Key Ratios
Investing cash flow was -$1.802B in Q1 2026, a 62.6% increase in outflows compared to -$1.108B in Q1 2025. Sustained heavy investment spending could pressure liquidity if not offset by strong operating cash generation.
Source: 10-Q Financial Data, Cash Flow Statement
ROA of approximately 0.23% reflects the capital-intensive nature of banking but leaves limited buffer against rising credit costs or margin compression. A modest increase in loan losses could meaningfully reduce profitability.
Source: 10-Q Financial Data, Key Ratios
Financing cash flow fell 48.3% YoY to $1.168B from $2.261B, suggesting reduced net borrowing or deposit inflow activity. If this trend continues, it could constrain the bank's ability to fund loan growth.
Source: 10-Q Financial Data, Cash Flow Statement
As a regional bank with $227.9B in total assets, CFG's net interest margin is highly sensitive to changes in the interest rate environment. Unexpected rate cuts or a flattening yield curve could compress revenue growth in future quarters.
Source: 10-Q Financial Data, Balance Sheet
| Metric | Current | Previous | YoY Change |
|---|---|---|---|
Revenue $B | 2.17 $B | 1.94 $B | +12.04% |
Net Income $M | 517.00 $M | 373.00 $M | +38.61% |
EPS (Basic) $ | 1.14 $ | 0.78 $ | +46.15% |
EPS (Diluted) $ | 1.13 $ | 0.77 $ | +46.75% |
Answers draw on this SEC filing and the data on this page
CFG's Q2 FY2026 net income soared 35% to $587 million, fueled by a 22‑basis‑point net interest margin expansion and a 46% surge in capital markets fees.
Citizens Financial Group (CFG) delivered a strong FY2025 with net income surging 21.3% to $1.83B and EPS rising 27.9% to $3.90, driven by revenue growth of 5.6% to $8.25B and disciplined balance sheet management.
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