| RF |
Report |
Diluted EPS |
BEAT |
pred ~$0.65 vs. cons $0.64 |
MEDIUM |
| RF |
Report |
Total Revenue (GAAP) |
MISS |
pred ~$1.92B vs. cons $1.945B |
MEDIUM |
| RF |
Report |
Net Charge-offs (annualized bps of avg loans) |
BEAT |
pred ~48bps vs. cons 50bps |
MEDIUM |
| RF |
Guide |
FY2026 Net Interest Income growth guide |
UNCHANGED |
guide ~2.5%-4% reaffirmed (~3% implied) vs. cons ~3.1% (FY2026) |
MEDIUM |
| RF |
Guide |
FY2026 average loan growth guide |
BETTER |
guide ~2%-3% (raised from low-single-digit) vs. cons ~1.8% (FY2026) |
LOW |
| RF |
Guide |
FY2026 Net Charge-off guide range |
BETTER |
guide ~40-48bps (narrowed toward low end of 40-50bps) vs. cons ~47bps (FY2026) |
LOW |
| RF |
Guide |
FY2026 adjusted noninterest income growth guide |
UNCHANGED |
guide ~3%-5% reaffirmed vs. cons ~4% (FY2026) |
MEDIUM |
| RF |
Guide |
Exit-2026 NIM guide |
UNCHANGED |
guide ~low-3.70s% vs. cons ~3.72% (Q4 2026 exit rate) |
MEDIUM |
| RF |
Return |
Day-1 residual (stock − beta × S&P 500) |
-0.6% |
— |
MEDIUM |
| RF |
Return |
5-day cumulative residual |
-1.6% (FADE) |
Stock has already re-rated ~17% YTD and ~13% in the last month, pricing in a clean beat-and-raise; a likely in-line-to-modest-EPS-beat with unchanged (not raised) FY NII/fee/loan guidance leaves little incremental catalyst versus CFG's actual guide-up this week, so revisions drift only modestly higher even after a headline beat. Combine that with a slight revenue/NII miss risk (echoing Q1's pattern) and valuation-skeptical sell-side views (Evercore Underperform), and initial day-1 reaction likely fades over the week as investors rotate into names that actually raised guidance rather than reaffirmed it. |
MEDIUM |