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Citizens Financial ( (CFG) ) has provided an update.
Citizens Financial Group, Inc. reported strong results for the fourth quarter of 2025, with net income of $528 million, up 32% year over year, and diluted EPS of $1.13, up 36% year over year, driven by expanding net interest margin, robust fee income from wealth management and capital markets, and continued progress in its Private Bank, which contributed $0.10 to EPS. The bank delivered positive operating leverage of 1.3% quarter over quarter and 5.2% year over year on an underlying basis, improved its efficiency ratio to 62.2%, and grew loans and deposits by 1% and 2% quarter over quarter respectively, while maintaining favorable credit quality with net charge-offs at 0.43%, strong allowance for credit losses coverage, solid liquidity with a loan-to-deposit ratio of 77.8%, and a CET1 ratio of 10.6%, underscoring a strengthening balance sheet and profitability profile for stakeholders over 2025, when underlying net income reached $1.8 billion and EPS $3.86, up 14% and 19% year over year.
The most recent analyst rating on (CFG) stock is a Buy with a $77.00 price target. To see the full list of analyst forecasts on Citizens Financial stock, see the CFG Stock Forecast page.
Spark’s Take on CFG Stock
According to Spark, TipRanks’ AI Analyst, CFG is a Outperform.
Citizens Financial Group’s strong earnings call performance and technical indicators are the most significant factors driving the score. The company’s operational efficiency and cash generation capabilities further support a stable financial outlook. While valuation is fair, challenges in revenue growth and commercial loan pricing present some risks.
To see Spark’s full report on CFG stock, click here.
More about Citizens Financial
Citizens Financial Group, Inc. is a U.S.-based banking institution offering retail and commercial banking services, including lending, deposit products, wealth management and capital markets solutions, with a growing focus on its Private Bank and commercial client segments.
Average Trading Volume: 4,472,262
Technical Sentiment Signal: Buy
Current Market Cap: $26.12B
Learn more about CFG stock on TipRanks’ Stock Analysis page.