CFG Earnings Predictions — 2026-07-16

Ticker Report or Guide KPI Prediction Answer Confidence
CFG Report EPS (2Q26) BEAT pred ~$1.27 vs. cons $1.24 MEDIUM
CFG Report Noninterest income / fees (capital markets-led) BEAT pred ~$636M vs. cons ~$624M MEDIUM
CFG Report Net interest income (2Q26) IN-LINE pred ~$1.62B vs. cons ~$1.62B (NIM ~3.19%) MEDIUM
CFG Guide FY26 fee-income growth BETTER guide ~7-8% vs. cons ~7% (FY26) MEDIUM
CFG Guide 4Q26 exit NIM UNCHANGED guide 3.22-3.28% vs. cons ~3.25% (4Q26 exit) MEDIUM
CFG Guide 3Q26 NII (sequential) BETTER guide up ~2% QoQ (~$1.65B) vs. cons ~$1.64B (3Q26) LOW
CFG Guide Capital return / buyback (post-200bp SCB cut) BETTER guide buyback ~$300M+ & dividend raise vs. cons ~$225M (3Q26) MEDIUM
CFG Guide FY26 expense growth / operating leverage UNCHANGED guide ~4.5% opex, ~500bps op leverage vs. cons ~4.5% (FY26) MEDIUM
CFG Return Day-1 residual (stock − beta × S&P 500) +1.5% MEDIUM
CFG Return 5-day cumulative residual +1.0% (STABILIZE) A modest fee/EPS beat plus reaffirmed-to-raised full-year fee and NIM ramp guidance and an enlarged capital-return authorization (200bp SCB cut to the 2.5% floor) generate genuine positive out-period revisions rather than implicit cuts, which supports the initial pop. But the stock is near 52-week highs after a ~20% YTD run with the stress-test win already priced (late-June rally to ~$71) and consensus nudged up, so gains hold rather than extend — some 'sell-the-news' offsets the upward EPS/capital revisions, netting a stabilize. MEDIUM