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How Investors May Respond To Citizens Financial Group (CFG) Surging EPS Forecasts And Private Banking Momentum

Simply Wall St · 2d ago
  • Earlier this month, Citizens Financial Group reported that analysts expect its fiscal fourth-quarter 2025 diluted EPS to reach US$1.12, implying a very large year-over-year profit increase, after the bank topped Wall Street earnings estimates in each of the previous four quarters.
  • The bank’s performance has been underpinned by expansion in its private bank and wealth franchise, strong capital markets activity, and tighter cost control supported by technology and private banking investments that aim to lift efficiency and profitability.
  • With expectations for sharply higher quarterly earnings driven by private banking and wealth growth, we’ll now examine how this shapes Citizens’ investment narrative.

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Citizens Financial Group Investment Narrative Recap

To own Citizens Financial Group, you need to believe it can keep growing earnings by scaling its private bank and wealth franchise while holding credit and expenses in check. The latest expectation for US$1.12 in Q4 2025 EPS reinforces that near term earnings momentum, but does not materially change the key risk around commercial real estate exposure, which could still pressure asset quality if conditions worsen.

Among recent announcements, the October 2025 earnings release is most relevant here, with higher net interest income and EPS growth pointing to improving profitability ahead of the expected Q4 step up. That backdrop helps frame private banking and capital markets as central catalysts, but also raises the bar for Citizens to sustain cost discipline and technology driven efficiency gains if credit conditions or regional growth soften.

Yet investors should be aware that Citizens’ sizeable commercial real estate exposure could still...

Read the full narrative on Citizens Financial Group (it's free!)

Citizens Financial Group's narrative projects $10.3 billion revenue and $2.8 billion earnings by 2028. This requires 12.6% yearly revenue growth and about a $1.3 billion earnings increase from $1.5 billion today.

Uncover how Citizens Financial Group's forecasts yield a $62.22 fair value, a 5% upside to its current price.

Exploring Other Perspectives

CFG 1-Year Stock Price Chart
CFG 1-Year Stock Price Chart

Three members of the Simply Wall St Community value Citizens Financial Group between US$42.41 and US$83.79, reflecting wide disagreement on upside. When you set those views against the reliance on private banking and wealth growth to support earnings, it underlines why comparing several perspectives can be helpful before forming your own view.

Explore 3 other fair value estimates on Citizens Financial Group - why the stock might be worth 28% less than the current price!

Build Your Own Citizens Financial Group Narrative

Disagree with existing narratives? Create your own in under 3 minutes - extraordinary investment returns rarely come from following the herd.

  • A great starting point for your Citizens Financial Group research is our analysis highlighting 4 key rewards that could impact your investment decision.
  • Our free Citizens Financial Group research report provides a comprehensive fundamental analysis summarized in a single visual - the Snowflake - making it easy to evaluate Citizens Financial Group's overall financial health at a glance.

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This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.