Citizens Financial Group (CFG) Q4 Earnings: How Key Metrics Compare to Wall Street Estimates

For the quarter ended December 2024, Citizens Financial Group (CFG) reported revenue of $1.99 billion, down 0.1% over the same period last year. EPS came in at $0.85, compared to $0.34 in the year-ago quarter.The reported revenue represents a surprise of +1.29% over the Zacks Consensus Estimate of $1.96 billion. With the consensus EPS estimate being $0.83, the EPS surprise was +2.41%.While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.Here is how Citizens Financial Group performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts: Average Balances - Total interest-earning assets: $196.61 billion compared to the $197.05 billion average estimate based on six analysts. Net charge-offs: $189 million versus the six-analyst average estimate of $190.95 million. Net Interest Margin: 2.9% compared to the 2.8% average estimate based on six analysts. Return on average common equity: 6.6% versus 6.4% estimated by six analysts on average. Book value per common share: $50.26 versus $50.76 estimated by six analysts on average. Return on average total assets: 0.7% versus 0.7% estimated by six analysts on average. Efficiency Ratio: 66.3% versus 65.4% estimated by six analysts on average. Net charge-offs as a % of average loans and leases: 0.5% compared to the 0.5% average estimate based on five analysts. Tangible book value per common share: $32.34 versus the five-analyst average estimate of $32.75. Common Equity Tier 1 Capital Ratio (CET1 Capital Ratio): 10.8% versus 10.6% estimated by four analysts on average. Tier 1 Leverage Ratio: 9.4% versus 8.3% estimated by three analysts on average. Tier 1 Capital Ratio: 12.1% versus 11.9% estimated by three analysts on average. View all Key Company Metrics for Citizens Financial Group here>>>Shares of Citizens Financial Group have returned +10.3% over the past month versus the Zacks S&P 500 composite's -2.1% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.Just Released: Zacks Top 10 Stocks for 2025Hurry – you can still get in early on our 10 top tickers for 2025. Handpicked by Zacks Director of Research Sheraz Mian, this portfolio has been stunningly and consistently successful. From inception in 2012 through November, 2024, the Zacks Top 10 Stocks gained +2,112.6%, more than QUADRUPLING the S&P 500’s +475.6%. Sheraz has combed through 4,400 companies covered by the Zacks Rank and handpicked the best 10 to buy and hold in 2025. You can still be among the first to see these just-released stocks with enormous potential. See New Top 10 Stocks >>Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Citizens Financial Group, Inc. (CFG): Free Stock Analysis ReportTo read this article on Zacks.com click here.Zacks Investment ResearchWeiter zum vollständigen Artikel bei Zacks Weiter zum vollständigen Artikel bei Zacks