The earnings call reflects a strong quarter with significant growth in NII, fees, and favorable credit trends. The strategic initiatives, particularly in the Private Bank and capital markets, show positive momentum. However, macroeconomic uncertainties and noncore portfolio runoff present ongoing challenges.

Company Guidance -

Q3 2025

In the second quarter of 2025, Citizens Financial Group reported strong financial results that exceeded expectations despite macroeconomic uncertainties. Key performance metrics included a 3.3% sequential growth in net interest income (NII) driven by a 5 basis point expansion in net interest margin (NIM) and a 10% increase in fee income, particularly from wealth, card, and mortgage services. The firm maintained flat expenses, resulting in 500 basis points of positive operating leverage, while credit trends remained favorable. The capital markets division saw growth despite delays in some M&A deals, with $30 million in fees expected in July. Citizens also executed $200 million in share buybacks, ending the quarter with a Common Equity Tier 1 (CET1) ratio of 10.6%. The Private Bank reported strong loan growth, adding $1.2 billion in loans, contributing six cents to earnings per share (EPS) in the quarter. The company reaffirmed its full-year guidance for 2025, anticipating a 3-4% growth in net interest income for the third quarter, along with positive operating leverage and improved credit trends.

Strong Net Interest Income (NII) Growth

NII grew by 3.3% sequentially, driven by a 5 basis point expansion in net interest margin (NIM).

Favorable Credit Trends and Operating Leverage

Credit trends remained favorable with a 500 basis points of operating leverage achieved.

Record Fee Growth

Fees grew by 10% quarter-over-quarter, led by wealth, card, and mortgage segments.

Capital Markets Resilience

Despite macro uncertainties, capital markets showed strength, particularly in equity underwriting and loan syndications.

Private Bank Growth

Private Bank loans grew by $1.2 billion, with a strong contribution to EPS and ROE targets on track.

Positive Loan Growth Across Segments

Net loan growth resumed across consumer, private bank, and commercial segments, surpassing noncore runoff.

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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