The earnings call highlighted strong financial performance and strategic growth, particularly in the Private Bank and fee income areas. However, challenges remain in capital markets and noncore portfolio runoff, alongside external uncertainties like tariffs.

Company Guidance -

Q3 2025

During the Citizens Financial Group's Second Quarter 2025 Earnings Conference Call, the company provided guidance with a focus on several key metrics. They reported a 3.3% sequential growth in net interest income (NII), supported by a 5 basis point expansion in net interest margin (NIM) to 2.95%. The company also noted a significant 10% increase in fee income, driven by wealth, card, and mortgage sectors. Operating leverage improved by 500 basis points due to flat expenses, while the CET1 ratio remained robust at 10.6%. Loan growth was observed across consumer, private bank, and commercial sectors, contributing to a 1% rise in period-end loans. Citizens Financial Group also maintained a healthy credit reserve and reported net charge-offs at 48 basis points. Looking forward, the company is optimistic about economic conditions, projecting NII to increase by 3% to 4% in the third quarter, with expectations of positive operating leverage. The "reimagining the bank" initiative aims to leverage new technologies like GenAI and Agentic AI to enhance customer service and operational efficiency, positioning the bank for sustainable growth. Overall, Citizens Financial Group expressed confidence in achieving its full-year targets and sustaining momentum into the medium term.

Strong Financial Results Exceed Expectations

The company reported strong financial results with a sequential quarter NII growth of 3.3%, a 5 basis point NIM expansion, and a 10% growth in fees. EPS improved by $0.15 or 19% over Q1.

Resumption of Net Loan Growth

There was net loan growth across consumer, private bank, and commercial segments, contributing to a 1% increase in period-end loans.

Positive Operating Leverage

The company achieved positive sequential operating leverage of about 5% due to disciplined expense management.

Record Performance in Wealth and Card Fees

Wealth and card fees reached record levels, contributing significantly to the fee income growth.

Robust Capital and Share Repurchases

The company maintained a CET1 ratio of 10.6% and executed $200 million in stock buybacks during the quarter.

Private Bank Growth

The Private Bank experienced its strongest quarter of loan growth, adding $1.2 billion in loans and contributing $0.06 to EPS.

Strategic Initiative: Reimagining the Bank

The company commenced work on a project to redesign customer service and operations using new technologies like GenAI and Agentic AI.

Citizens Financial (CFG) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

CFG Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 16, 2025	2025 (Q3)	1.02 / -	0.77	―	―	―
Jul 17, 2025	2025 (Q2)	0.88 / 0.92	0.78	17.95% (+0.14)
Apr 16, 2025	2025 (Q1)	0.75 / 0.77	0.65	18.46% (+0.12)
Jan 17, 2025	2024 (Q4)	0.82 / 0.83	0.34	144.12% (+0.49)
Oct 16, 2024	2024 (Q3)	0.79 / 0.77	0.85	-9.41% (-0.08)
Jul 17, 2024	2024 (Q2)	0.78 / 0.78	0.92	-15.22% (-0.14)
Apr 17, 2024	2024 (Q1)	0.71 / 0.65	1	-35.00% (-0.35)
Jan 17, 2024	2023 (Q4)	0.60 / 0.34	1.25	-72.80% (-0.91)
Oct 18, 2023	2023 (Q3)	0.91 / 0.85	1.23	-30.89% (-0.38)
Jul 19, 2023	2023 (Q2)	1.00 / 0.92	0.67	37.31% (+0.25)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

CFG Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 17, 2025	$46.56	$48.40	+3.95%
Apr 16, 2025	$35.39	$34.76	-1.78%
Jan 17, 2025	$45.48	$46.20	+1.58%
Oct 16, 2024	$41.83	$40.80	-2.46%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Citizens Financial (CFG) report earnings?

Citizens Financial (CFG) is schdueled to report earning on Oct 16, 2025, Before Open (Confirmed).

What is Citizens Financial (CFG) earnings time?

Citizens Financial (CFG) earnings time is at Oct 16, 2025, Before Open (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is CFG EPS forecast?

CFG EPS forecast for the fiscal quarter 2025 (Q3) is 1.02.

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