Citizens Financial Group

CFG

Market cap $22.3B

Citizens Financial Group, Inc. reported strong Q3 results, with revenues up 11.6% year-over-year and net income rising to $457 million. CFG saw sequential growth in both deposits and loans for the second consecutive quarter, signaling a reversal of previous declines. Asset quality improved, with lower net charge-offs and a higher net interest margin, supporting stronger earnings and efficiency ratios.

Citizens Financial Group, Inc. (NYSE:CFG ) Q3 2025 Earnings Call October 15, 2025 9:00 AM EDT Company Participants Kristin Silberberg - Head of Investor Relations Bruce Van Saun - CEO & Chairman of the Board Chris Emerson - Interim Chief Financial Officer Brendan Coughlin - President & Vice Chair Donald McCree - Chair of Commercial Banking Conference Call Participants Robert Siefers - Piper Sandler & Co., Research Division David Rochester - Cantor Fitzgerald & Co., Research Division Ebrahim Poonawala - BofA Securities, Research Division Manan Gosalia - Morgan Stanley, Research Division Christopher McGratty - Keefe, Bruyette, & Woods, Inc., Research Division John Pancari - Evercore ISI Institutional Equities, Research Division Nathan Stein - Deutsche Bank AG, Research Division Peter Winter - D.A. Davidson & Co., Research Division Gerard Cassidy - RBC Capital Markets, Research Division Presentation Operator Good morning, everyone, and welcome to the Citizens Financial Group Third Quarter 2025 Earnings Conference Call.

Citizens Financial Group delivered strong Q3 earnings, increased its dividend, and continues to benefit from its pivot to private banking. CFG's net interest margin is expanding as fixed-rate swaps roll off, positioning the bank for above-peer earnings growth next year. Credit quality and capital remain solid, with well-reserved office loan exposure and a CET1 ratio above 10%, supporting ongoing capital returns.

CFG beats Q3 estimates with a 33% EPS jump, driven by strong NII and fee growth despite higher expenses.

Duke Energy today declared a quarterly cash dividend on its common stock of $1.065 per share. This dividend is payable on Dec. 16, 2025, to shareholders of record at the close of business on Nov. 14, 2025.

Bruce Van Saun, Citizens Financial Group chairman & CEO, joins CNBC's 'Squawk on the Street' to discuss the bank's latest earnings, dealmaking activity, and much more.

While the top- and bottom-line numbers for Citizens Financial Group (CFG) give a sense of how the business performed in the quarter ended September 2025, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.

Citizens Financial Group (CFG) came out with quarterly earnings of $1.05 per share, beating the Zacks Consensus Estimate of $1.02 per share. This compares to earnings of $0.79 per share a year ago.

PROVIDENCE, R.I.--(BUSINESS WIRE)--Citizens Financial Group, Inc. (NYSE: CFG or “Citizens”) today reported third quarter financial results. The earnings press release, investor presentation, and financial supplement are available at http://investor.citizensbank.com. In addition, these materials will be furnished to the Securities and Exchange Commission (SEC) on a Form 8-K and will be available on the SEC website at www.sec.gov. “We are pleased to report very strong results for the third quarte.

JPMorgan, Wells Fargo, Goldman Sachs, and BlackRock kicked off earnings season with mixed but promising results for the financials sector. Collectively, their results offer a constructive setup for financials with healthy market activity in investment banking, supportive asset-based fees, and healthy NII trajectories. The global financial services industry is projected to rise from about $36.1T in 2025 to $47.6T in 2029, translating to more than 7% CAGR.