Citizens Financial Group, Inc. Earnings Recaps
Q1 2026
Apr 16, 2026
Citizens Financial Group posted a solid start to 2026 with 47% YoY EPS growth, driven by record fee performance and NIM expansion, amid a challenging macro backdrop.
Key takeaways
- EPS of $1.13 and ROTCE of 12.2%, supported by 24 bp NIM expansion and positive operating leverage of 7%
- Net interest income increased 1.6% QoQ, aided by favorable margin dynamics and loan growth
- Record first quarter fee income, up 11% YoY, with strength in capital markets, M&A, and wealth segments
- Private Bank profitability grew, contributing $0.11 EPS, with continued deposit growth and strategic expansion
- Balance sheet remains robust with CET1 at 10.5% and prudent credit positioning, as credit trends stay favorable
Q3 2025
Oct 16, 2025
Citizens Financial Group reported robust Q3 2025 results, with a 14% sequential increase in EPS and solid growth in both net interest income and fees, indicating strong operational momentum.
Key takeaways
- EPS rose to $1.50, driven by a 3.5% sequential increase in net interest income and effective expense management.
- Notable capital markets performance, achieving record results and supporting a 9% year-over-year growth in fees.
- Private Bank deposits surged by $3.8 billion to $12.5 billion, surpassing the year-end target, while contributing $0.08 to EPS.
- CET1 ratio improved to 10.7%, with lower net charge-offs and disciplined stock buybacks totaling $75 million in the quarter.
- Strategic initiatives are gaining traction, with expectations for positive impacts on earnings growth and operational efficiency moving forward.