Earnings of Citizens Financial Group (CFG) will likely plunge this year due to a decline in net interest margin following the federal funds rate cuts in March. A surge in provisions expenses amid the COVID-19 pandemic will also most probably drag earnings this year. On the other hand, CFG’s Top 6 program will likely provide some relief for the bottom line. Moreover, the addition of team members will contribute to continued loan growth, which will further support earnings this year. Overall, I’m expecting the company’s earnings to plunge by 28% year over year