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Citizens Financial Group (CFG) investor relations material

Citizens Financial Group Q3 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q3 2025 earnings summary15 Oct, 2025

Executive summary

  • Reported strong Q3 2025 results with net income of $494 million, up 13% sequentially and 29% YoY, and EPS of $1.05, up 14% QoQ and $0.28 YoY, driven by robust revenue growth and positive operating leverage of 3%.

  • PPNR grew 9% QoQ and 20%+ YoY; ROTCE improved to 11.7%, up 70 bps QoQ and 230 bps YoY.

  • Private Bank contributed $0.08 to EPS, up $0.02 QoQ, with record deposit growth and above-target financial impact.

  • Strategic initiatives, including the Reimagine the Bank program, are progressing, with expected net benefits starting in 2027 and accelerating into 2028.

  • Leadership transition underway, with new CFO and commercial banking head appointments.

Financial highlights

  • Total revenue was $2.12 billion, up 4% QoQ and 11% YoY; net interest income rose 4% QoQ and 9% YoY to $1.49 billion, with NIM up 5 bps to 3.00%.

  • Noninterest income grew 5% QoQ and 18% YoY, led by a 58% QoQ and 77% YoY surge in Capital Markets fees and record wealth management performance.

  • Noninterest expense increased 1% QoQ and 7% YoY, mainly due to investments in Private Bank and technology.

  • Efficiency ratio improved to 63.0%, down 170 bps QoQ and 320 bps YoY.

  • Net income available to common stockholders was $457 million, up 14% QoQ and 33% YoY.

Outlook and guidance

  • Q4 guidance: NII up 2.5%-3% QoQ, NIM up ~5 bps, stable to slightly higher expenses, continued positive operating leverage, and CET1 stable at 10.7%.

  • Credit trends expected to remain favorable, with net charge-offs in the low 40s bps.

  • Medium-term NIM target set at 3.25–3.50% and ROTCE target of 16%-18%, with NIM expansion and strategic initiatives as key drivers.

  • Reimagine the Bank program to deliver over $400M run-rate benefits, with net benefits starting in 2027.

  • Noninterest income and expense projected to remain stable.

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Frequently asked questions

Citizens Financial Group operates as a bank holding company that provides retail and commercial banking products and services. The firm serves individuals, small businesses, middle-market companies, corporations, and institutions in the United States.

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