Citizens Financial

Q2 FY2026 EarningsQ2 FY26 beat consensus across all major metrics: revenue of $2,283M (+1.60% vs. expected $2,247M) and GAAP EPS of $1.30 (+4.65% vs. expected $1.24). Net interest margin (FTE) improved to 3.17%, supported by repricing benefits and interest-earning asset growth. While noninterest expense increased 6% YoY due to strategic hiring in Private Wealth, robust capital markets fees (+46% YoY) and lower provision expenses (-18.29% YoY) drove the overall earnings beat. ROTCE expanded to 13.9%, reinforcing a strong profitability trajectory.