What is Citizens Financial Group's latest dividend and current dividend yield?

What is the revenue and EPS growth rate for Citizens Financial Group year over year?

What factors drove the changes in Citizens Financial Group's revenue and profit?

What is Citizens Financial Group's gross profit margin?

What does Citizens Financial Group do and what are its main business segments?

What were the key takeaways from Citizens Financial Group’s earnings call?

What is the market's earnings forecast for Citizens Financial Group next quarter?

What guidance did Citizens Financial Group's management provide for the next earnings period?

- **Record Performance**: 2025 EPS of $3.86 (19% YoY), driven by 11% fee growth and 4% NII expansion.
- **Private Bank Success**: $0.28 EPS contribution (7% of total), with $14.5B deposits and 25% ROE.
- **2026 Growth Plan**: 10-12% NII growth, 6-8% fee growth, and $700-850M buybacks.
- **Reimagine the Bank**: $450M+ pretax benefits by 2028, targeting 5% expense savings.
- **Macroeconomic Outlook**: 2 Fed rate cuts, 4.25% 10-year Treasury, and stable GDP growth.

**【CEO Summary Section】**
- Delivered strong Q4 and full-year results with EPS of $3.86 (19% YoY growth), driven by net interest margin expansion (20bps YoY) and fee growth (11% YoY). 
- Private Bank contributed $0.28 to EPS in 2025 (7% of total EPS), exceeding 5% target, with $14.5B deposits and $7.2B loans.
- 2026 outlook: 10-12% NII growth, 6-8% fee growth, and $700-850M share buybacks. Reimagine the Bank initiative to deliver $450M+ pretax benefits by 2028.
- Macroeconomic view: 2 Fed rate cuts, 4.25% 10-year Treasury, and stable GDP growth.

**【CFO Financial Commentary】**
- Q4 EPS of $1.13 (36% YoY growth), with 12.2% ROTCE and 62% efficiency ratio.
- Fee growth led by Wealth (31% YoY) and Capital Markets (9% YoY), offsetting 4.6% expense growth.
- Reimagine the Bank: $50M one-time costs vs. $45M benefits in 2026, with $450M+ run-rate benefits by 2028.
- CET1 ratio maintained at 10.6%, with plans to return 80% of earnings to shareholders.

**【Q&A Highlights】**
- **Reimagine the Bank ROI**: CEO expects high flow-through of benefits, with 50+ initiatives targeting 5% expense savings.
- **Loan Growth Drivers**: Private Bank (3% QoQ loan growth), C&I sponsor lines, and HELOC/mortgage demand.
- **Deposit Strategy**: Noninterest-bearing deposits (22% of mix) and low-cost funding (43% stable retail deposits).
- **Private Bank Expansion**: 10+ offices planned, with 7 currently open, targeting $18-20B deposits by 2026.
- **AI Investment**: Call center automation, developer productivity, and fraud detection to reduce costs and improve customer experience.

Citizens Financial Group, Inc. (CFG) Q4 2025 Earnings Call Transcript

- **Record Q3 results**: EPS up 14% QoQ to $1.05, driven by 3.5% NII growth, 5% fee growth, and 3% operating leverage. Capital Markets had its second-best quarter.
- **Private Bank breakout**: Deposits $12.5B (up $3.8B QoQ), loans $5.9B, AUM $7.6B. Business now breakeven since launch, targeting 20%+ ROE.
- **Strategic momentum**: Reimagine the Bank to deliver $400M+ run-rate benefits by 2028. 2026 EPS growth guided by operating leverage and credit stability.
- **Credit resilience**: NCOs 46 bps (down 2 bps QoQ), CET1 10.7%, strong reserves (12.4% coverage on general office). Private credit exposure in high-quality structures.
- **Margin expansion**: Q4 NIM 3.05%, medium-term target 3.25%-3.50%. Time-based benefits (noncore runoff, repricing) offset asset sensitivity.


**【CEO Summary Section】**
- **Strong financial performance**: Q3 EPS of $1.05, up 14% sequentially, driven by 3.5% NII growth, 5 bps NIM expansion, and 5% fee growth. Capital Markets had its second-highest quarterly performance.
- **Private Bank momentum**: Deposits reached $12.5B (up $3.8B QoQ), loans $5.9B, and AUM $7.6B. The business is on track to exceed 2025 target of 5% EPS contribution.
- **Strategic initiatives**: Reimagine the Bank aims to deliver $400M+ run-rate benefits by 2028, with net benefits starting in 2027. Leadership refresh continues with Don McCree's planned retirement.
- **2026 outlook**: Expect continued EPS growth via operating leverage, credit stability, and share buybacks. CET1 ratio at 10.7%, LDR 78.3%.

**【CFO Financial Commentary】**
- **Revenue drivers**: PPNR up 9% QoQ, Capital Markets record quarter, wealth fees growth. NIM 3.05% (up 5 bps), deposit beta 53%.
- **Expense management**: 3% positive operating leverage, efficiency ratio 63%. TOP 10 program on track for $100M annual savings.
- **Credit quality**: NCOs 46 bps (down 2 bps QoQ), allowance 1.56%, strong reserve coverage (12.4% for general office).
- **Balance sheet**: CET1 10.7%, $75M share buybacks. Noncore loans down $600M, CRE down 3% QoQ.

**【Q&A Highlights】**
- **Margin trajectory**: Q4 NIM expected 3.05%, medium-term target 3.25%-3.50%. Time-based benefits (noncore runoff, repricing) key drivers.
- **Private Bank confidence**: 2025 EPS contribution of $0.18 (7%), AUM $7.6B. 8 wealth lift-outs added, 500+ employees, targeting 20%-25% ROE.
- **Reimagine the Bank**: $400M+ run-rate benefits by 2028, with 2026 costs offset by fast-payback initiatives (e.g., vendor simplification, branch optimization).
- **Credit stability**: Consumer credit improving, C&I stable. Private credit exposure ($3.3B) in high-quality securitizations with strong collateral.
- **Loan growth**: Consumer (HELOCs, mortgage), Commercial (sponsor activity), Private Bank all contributing. Noncore runoff slowing.


Citizens Financial Group, Inc. (CFG) Q3 2025 Earnings Call Transcript

- **Revenue Growth**: Q2 NII +3.3%, fees +10%, EPS $0.92 (+19% Q/Q). NIM 2.95% (+5 bps Q/Q).
- **Private Bank Acceleration**: Loans +$1.2B Q/Q, AUM $6.5B, EPS contribution $0.06. Deposit growth $966M offsetting outflows.
- **Strategic Momentum**: Reimagining the Bank initiative launched; Private Bank on track for 5%+ EPS accretion in 2025.
- **Credit Strength**: Net charge-offs 48 bps (down 3 bps Q/Q), nonaccrual loans down 4%. CET1 10.6%.
- **NIM Expansion**: 2027 target 3.25-3.50%, hedging protects against rate cuts while maintaining upside flexibility.


**【CEO Summary Section】**
- **Strong Q2 Results**: Exceeded expectations with 3.3% sequential NII growth, 10% fee growth, and 500 basis points of operating leverage. NIM expanded by 5 bps to 2.95%.
- **Private Bank Momentum**: Loans grew $1.2B Q/Q, AUM reached $6.5B, and EPS contribution rose to $0.06 (vs. $0.04 prior). Deposit growth of $966M offset temporary outflows.
- **Strategic Initiatives**: Launched Reimagining the Bank project to leverage AI and optimize operations, targeting multiyear transformation. Private Bank on track for 5%+ accretion to EPS in 2025.
- **Guidance**: Full year targets remain intact; 3Q NII expected +3-4%, fees +low single digits, expenses +1-1.5%. CET1 to remain stable at ~10.6%.

**【CFO Financial Commentary】**
- **EPS Performance**: Q2 EPS $0.92 (+19% Q/Q), driven by NIM expansion and fee growth. Wealth and card fees set records, capital markets fees rebounded in July.
- **Balance Sheet Strength**: CET1 10.6%, $200M share buybacks. Noncore loan runoff eased to $0.5B/Q, freeing up capital for strategic growth.
- **Credit Quality**: Net charge-offs 48 bps (down 3 bps Q/Q), nonaccrual loans down 4%. ACL coverage 1.59%, with general office reserve declining as workout backlog progresses.
- **NIM Outlook**: 2025 Q4 target 3.05-3.10%, 2026 Q4 3.15-3.30%, 2027 3.25-3.50%. Hedging strategy protects against rate cuts while maintaining flexibility for higher rate scenarios.

**【Q&A Highlights】**
- **Loan Growth Drivers**: Private Bank line utilization, consumer HELOC/mortgage demand, and reduced BSO runoff ($0.5B/Q vs. $1B/Q prior). 2025 full year loan growth on track.
- **Deposit Strategy**: Low-cost deposit mix improving (DDA 22%), CD retention 87%. Private Bank deposits 36% noninterest-bearing, driving margin accretion.
- **Capital Markets Pipeline**: $30M+ in July M&A fees, strong equity underwriting and loan syndication activity. DCM and debt capital markets poised to rebound post-tariff uncertainty.
- **Reimagining the Bank**: Led by Brendan Coughlin, focuses on AI-driven customer experience, cost optimization, and front-to-back process reengineering. Self-funding through efficiency gains and strategic investments.
- **Competitive Dynamics**: Relationship-based banking model outperforms price competition. HELOC market share #1, credit card launch targeting mass affluent segment.


Citizens Financial Group, Inc. (CFG) Q2 2025 Earnings Call Transcript

- **NIM Expansion Drives Growth**: Q1 NIM expanded 3 bps to 2.90% on non-core runoff and deposit cost management. 
- **Private Bank Momentum**: $8.7B deposits and $5.2B AUM, with 40% noninterest-bearing. Mortgage originations doubled YoY. 
- **Non-Core Sale Boosts Capital**: $1.9B student loan sale accelerates balance sheet optimization, with proceeds for share buybacks. 
- **Resilient Credit Quality**: 1.61% ACL coverage, 80% C&amp;I investment-grade, 95% retail secured loans. 
- **Share Buybacks as Offset**: $200M repurchased Q1, with potential to increase if loan growth slows. 


**【CEO Summary Section】**
- Q1 2025 revenue highlights include a 3 basis point expansion in NIM to 2.90%, core loan growth of 1%, and resilience in fee categories despite market uncertainty. 
- The company sold $1.9 billion in non-core student loans, with $200 million settled in Q1 and the remainder over the next three quarters. Proceeds will be used to pay down high-cost funding, invest in low-risk securities, and repurchase shares. 
- Strategic initiatives like the Private Bank are progressing well, with deposits reaching $8.7 billion and AUM at $5.2 billion. 
- Full year EPS guidance is reaffirmed, though risks include slower loan growth, higher credit provisions, and delayed capital markets activity. 

**【CFO Financial Commentary】**
- Q1 EPS was $0.77, with ROTCE of 9.6%. NIM improved due to non-core runoff and deposit cost management, with interest-bearing deposit costs down 18 basis points. 
- Noninterest income was down 3.5% linked-quarter due to seasonal capital markets softness, but wealth fees hit a record. 
- Credit quality remained stable, with net charge-offs at 58 basis points (51 basis points excluding non-core). 
- CET1 ratio was 10.64%, and $200 million in shares were repurchased. 

**【Q&A Key Themes】**
- **Loan Demand**: Commercial line utilization increased due to tariffs and M&A activity, while consumer loans grew 1% year-over-year. Private Bank loans rose $550 million. 
- **Capital Markets**: Record M&A pipeline may face delays, but diversity in fee sources (FX, derivatives, wealth) provides offsets. 
- **Interest Rate Sensitivity**: Neutral to slightly asset-sensitive, with NIM growth driven by non-core runoff rather than rates. 
- **Credit Risk**: Allowance reflects mild recession, with high-quality C&amp;I (80% investment-grade) and retail (95% secured) portfolios. 
- **Non-Core Runoff**: $1.9 billion student loan sale accelerates balance sheet optimization, with remaining non-core auto loans set to runoff naturally. 

**【Strategic Initiatives】**
- Private Bank deposits grew $1.7 billion Q/Q, with 40% in noninterest-bearing accounts. Mortgage originations doubled year-over-year. 
- New York Metro and TOP 10 programs are advancing, with $750 million in senior debt issued to bolster funding. 
- Share buybacks remain a key offset to macro headwinds, with earn-back periods under one year. 


Citizens Financial (CFG)-16 Apr 25-2025 Q1 Earnings call transcript

- **Q4 Strong Performance**: 10bps NIM expansion, $7B Private Bank deposits, and $1.05B share buybacks. 
- **2025 Growth Outlook**: 3-5% NII, 8-10% fees, 1.5% operating leverage. 
- **Credit Improvement**: ACL to loans 1.62%, credit costs to trend down in 2025. 
- **Private Bank Momentum**: $3.1B loans, $4.7B AUM, and Q4 profitability. 
- **Medium-Term ROTCE Target**: 16-18% achievable by 2027. 


**【CEO Summary Section】**
- Q4 revenue growth driven by 10bps NIM expansion, 3% NII growth, and 6% fee growth from capital markets and mortgage. 
- Private Bank achieved $7B deposits, $3.1B loans, $4.7B AUM, and Q4 profitability. 
- 2025 outlook: 3-5% NII growth, 8-10% fee growth, 1.5% operating leverage. 
- $162M provision vs $189M charge-offs; expect credit costs to improve in 2025. 
- $225M share buybacks in Q4, total $1.05B for 2024. 

**【CFO Financial Commentary】**
- Full year 2024 EPS $3.24 (excluding noncore drag), ROTCE 10.5%. 
- Q4 NIM 2.87% (+10bps), fees up 5.6% on capital markets recovery. 
- Expenses +3.5% QoQ due to private bank/hiring, but +1.5% YoY. 
- TOP 9 program delivered $150M annualized savings; TOP 10 targeting $100M. 
- ACL to loans 1.62%, CET1 10.8% (9.1% adjusted). 
- 2025 guide: NII +3-5%, fees +8-10%, ROTCE expansion to 16-18% by 2027. 

**【Q&A Highlights】**
- NIM exit rate for 2025: 3.05-3.10%. 
- Private Bank to add $1B+ loans/Q4, targeting 5% EPS accretion in 2025. 
- CRE office portfolio: 12.4% coverage, no new inflows into workout. 
- Deposit beta: 50% in Q4, targeting 50-55% for 2025. 
- Share buybacks to continue if loan growth underperforms. 
- Medium-term ROTCE target 16-18% achievable by 2027. 


Actual																0.03	0.53	0.68	0.99	1.37	1.44	1.18	1.17	0.93	0.67	1.23	1.25	1	0.92	0.85	0.34	0.65	0.78	0.77	0.83	0.77	0.92	1.05	1.13
Forecast																0.3679	0.0816	0.7766	0.9137	0.9675	1.1125	1.1602	1.1128	0.9087	0.7854	1.2313	1.306	1.1178	0.9993	0.9083	0.6012	0.7118	0.7845	0.7913	0.8239	0.7493	0.8834	1.0279	1.106	1.0863
Surprise	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-91.85%	+549.51%	-12.44%	+8.35%	+41.60%	+29.44%	+1.71%	+5.14%	+2.34%	-14.69%	-0.11%	-4.29%	-10.54%	-7.94%	-6.42%	-43.45%	-8.68%	-0.57%	-2.69%	+0.74%	+2.76%	+4.14%	+2.15%	+2.17%	0.00%

Actual	--	--	--	--	--	--	--	--	--	--	--	--	--	--	--	1.66B	1.75B	1.79B	1.71B	1.66B	1.61B	1.66B	1.72B	1.65B	2.03B	2.18B	2.20B	2.13B	2.09B	2.01B	1.99B	1.96B	1.96B	1.90B	1.98B	1.94B	2.04B	2.12B	2.16B	--
Forecast	--	--	--	--	--	--	--	--	--	--	--	--	--	--	--	1.61B	1.68B	1.73B	1.70B	1.65B	1.63B	1.64B	1.67B	1.63B	1.99B	2.13B	2.22B	2.14B	2.10B	2.04B	2.00B	1.96B	1.95B	1.94B	1.96B	1.94B	2.01B	2.10B	2.15B	2.16B
Surprise	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	+2.67%	+4.35%	+3.47%	+0.39%	+0.78%	-1.25%	+1.21%	+2.77%	+0.62%	+2.08%	+2.04%	-1.03%	-0.75%	-0.14%	-1.38%	-0.54%	-0.07%	+0.63%	-1.72%	+0.78%	-0.10%	+1.36%	+0.85%	+0.29%	0.00%

CFG

CFG fundamentals

CFG Q1 2026 Earnings Preview

Earnings Call

You can ask Aime

CFG

CFG fundamentals

CFG Q1 2026 Earnings Preview

Earnings Call

CFG Earnings Call Summary for Q1/2026Upcoming9:00 AM on Apr 16, 2026

CFG Earnings Call Summary for Q4/20259:00 AM on Jan 21, 2026

CFG Earnings Call Summary for Q3/20259:00 AM on Oct 15, 2025

CFG Earnings Call Summary for Q2/202510:00 AM on Jul 17, 2025

CFG Earnings Call Summary for Q1/20258:00 AM on Apr 16, 2025

You can ask Aime