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

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

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

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

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

What is Citizens Financial Group's gross profit margin?

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

Did Citizens Financial Group beat or miss consensus estimates last quarter?

- **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

Sales and Services Revenue

Financing Services Revenue

Other Revenue

Cost of Revenue

Cost of Goods and Services

Cost of Financing Services

Other Cost

Gross Profit

Other Operating Income

Operating Expenses

Selling, General and Administrative Expenses

Selling and Marketing Expenses

General and Administrative Expenses

Research and Development Expenses

Loss on Bad Debts

Loss on Impairment of Other Assets

Loss on Disposal of Assets

Other Operating Expenses

Operating Income

Non-Operating Income (Loss)

Income (Loss) from Affiliates

Income (Loss) from Associates

Income (Loss) from Joint ventures

Gain (Loss) on Other Investment

Gain (Loss) on Change in Fair Value

Gain (Loss) on Foreign Currency Exchange

Other Non-Operating Income (Loss)

Net Interest Expense

Interest Expense

Interest Income

Pretax Income From Continuing Operations

Income Tax Expense

Current Income Tax

Deferred Income Tax

Income Tax Adjustments

Net Income from Continuing Operations

Income from Discontinued Operations

Other Items Before Net Income

Net Income

Net Income Attributable to Minority Interests

Net Income Attributable to Owners of the Company

Preferred Stock Dividends

Other Adjustments

Net Income Attributable to Common Stockholders

Other Comprehensive Income

Total Comprehensive Income

Total Comprehensive Income Attributable to Minority Interests

Total Comprehensive Income Attributable to Owners of the Company

Basic EPS

Basic EPS from Continuing Operations

Basic EPS from Discontinued Operations

Diluted EPS

Diluted EPS from Continuing Operations

Diluted EPS from Discontinued Operations

CFG

CFG fundamentals

You can ask Aime