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Citizens Financial Group
Citizens Financial Group (CFG) investor relations material
Citizens Financial Group Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary21 Jan, 2026
Executive summary
Q4 2025 EPS rose 36% year-over-year to $1.13, with full-year EPS of $3.86, up 19% year-over-year, driven by strong pre-provision net revenue growth and expanding NIM.
Net income for Q4 2025 was $528M, up 32% year-over-year, and full-year net income reached $1.8B.
Positive operating leverage of 1.3% sequentially and 5.2% year-over-year in Q4, and 1.25% for the full year.
Private Bank exceeded targets, contributing over 7% to EPS, achieving 25% ROE, and ending 2025 with $14.5B in deposits.
Maintained a strong capital position, with CET1 ratio at 10.6% and a total shareholder payout ratio of 80% for FY2025.
Financial highlights
Net interest income (NII) for Q4 2025 was $1,537M, up 3% sequentially and 9% year-over-year; FY2025 NII was $5,853M, up 4%.
Noninterest income for Q4 2025 was $620M, down 2% sequentially but up 8%-10% year-over-year; FY2025 noninterest income was $2,394M, up 11%.
Total revenue for Q4 2025 was $2,157M, up 2% sequentially and 9% year-over-year; FY2025 total revenue was $8,247M, up 6%.
Efficiency ratio improved to 62.2% in Q4 2025, down 79 bps sequentially and 403 bps year-over-year.
Provision for credit losses was $137M in Q4 2025, down from $154M in Q3 2025 and $162M in Q4 2024.
Outlook and guidance
FY2026 NII expected to grow 10%-12% with NIM expanding 4-5 bps per quarter, targeting 3.25% by Q4 2026.
Noninterest income projected to rise 6%-8%, led by Capital Markets and Wealth.
Expenses projected to rise 4.5% or decline 4.5% depending on cost reduction initiatives; operating leverage in excess of 500 bps.
Net charge-offs expected in the mid to high 30s bps; CET1 ratio to be managed at 10.5%-10.6%.
Share repurchases of $700M-$850M planned for 2026; medium-term ROTCE target of 16%-18% by second half of 2027.
Private Bank ROE and its drivers
Capital Markets fee outlook for Q1 2026
Impact of loan mix on ACL coverage
Private Bank ROE sustainability with LDR changes?
Reimagine the Bank's ROTCE impact post-2028?
Drivers of NIM expansion beyond rate cuts?
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Next Citizens Financial Group earnings date
UBS Financial Services Conference 202610 Feb, 2026
Citizens Financial Group
Next Citizens Financial Group earnings date
UBS Financial Services Conference 202610 Feb, 2026
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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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