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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.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.
Private Bank growth drivers and outlook?
Capital Markets fee growth sustainability?
Impact of loan mix changes on credit risk?
Confidence in $400M+ Reimagine benefits?
Sustaining Private Bank's 20-25% ROE target?
Offsetting tighter commercial loan spreads?
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Next Citizens Financial Group earnings date
Q4 202521 Jan, 2026
Next Citizens Financial Group earnings date
Q4 202521 Jan, 2026
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