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Inferra AI / Company / CFG

Citizens Financial Group

CFG · Financials

Last earnings Oct 16, 2026

Key results

Net incomequarter

$494 million

Net Income of $494 million and EPS of $1.05 Sequential PPNR Growth of 9% and Positive Operating Leverage of

SEC original ↗Citizens Financial Group — Earnings release (8-K exhibit)EX-99Oct 15, 2025

EPSquarter

$1.05

Net Income of $494 million and EPS of $1.05 Sequential PPNR Growth of 9% and Positive Operating Leverage of

SEC original ↗Citizens Financial Group — Earnings release (8-K exhibit)EX-99Oct 15, 2025

Commercial Payments revenueytd

7%

Commercial Payments revenue up 7%(2) 3Q25 YTD vs

SEC original ↗Citizens Financial Group — Presentation / slide deck (8-K exhibit)EX-99Oct 15, 2025

AI analysis

Q4 2024 · reported Oct 15, 2025

Based on: Earnings release + Q4 2024 deck + parent 8-K — transcript not held

EPS · Q4 2024
$1.05
EX-99 · Oct 15, 2025
Net income · Q4 2024
$494M
EX-99 · Oct 15, 2025

Headline figures

MetricQ4 2024Prior qtrYear ago
Net income$494 million——
EPS$1.05——

EX-99 · Oct 15, 2025

Guidance · company-stated

No guidance located in the held release

Stated figure3.18 %

“Diluted earnings per share 1.41 1.30 1.05 0.11 8 0.36 34 Performance metrics Net interest margin 3.18 % 3.16 % 2.99 %”

Next earningsNo verified date on fileNo date is estimated or imported

Capital allocation

Dividend$0.46

Citizens also announced today that its board of directors declared a quarterly common stock dividend of $0.46 per share, a $0.04, or 9.5%, increase compared with the prior quarter.

General educational research only — not investment advice.Every figure is as stated in the held documents; values marked “computed from stated figures” are arithmetic on those stated figures. Guidance shown is the company’s own stated guidance. No price targets, no recommendations, no consensus estimates.

Event summary

Comments from Chairman and CEO Bruce Van Saun We are pleased to report very st

Based on: Earnings release + Q4 2024 deck + parent 8-K — transcript not held

Guidance & outlook

No guidance located in the held release

Capital allocation

Citizens also announced today that its board of directors declared a quarterly common stock dividend of $0.46 per share, a $0.04, or 9.5%, increase compared with the prior quarter.

SEC original ↗Citizens Financial Group — Earnings release (8-K exhibit)EX-99Oct 15, 2025

The dividend is payable on November 12, 2025 to shareholders of record at the close of business on October 29, 2025.

SEC original ↗Citizens Financial Group — Earnings release (8-K exhibit)EX-99Oct 15, 2025

Capital markets fees increased $61 million, driven by higher M A, debt underwriting and loan syndication fees.

SEC original ↗Citizens Financial Group — Earnings release (8-K exhibit)EX-99Oct 15, 2025

second quarter 2025 Period-end borrowed funds decreased $2.1 billion, reflecting a $1.5 billion decrease in FHLB advances and a $429 million decrease in collateralized borrowings on auto loans given runoff of the associated portfolio.

SEC original ↗Citizens Financial Group — Earnings release (8-K exhibit)EX-99Oct 15, 2025

Average borrowed funds decreased $1.2 billion, primarily reflecting a $446 million decrease in auto collateralized borrowings, a $336 million decrease in short-term borrowed funds and a $219 million decrease in senior debt given the impact of a debt maturity during the second quarter.

SEC original ↗Citizens Financial Group — Earnings release (8-K exhibit)EX-99Oct 15, 2025

third quarter 2024 Period-end borrowed funds decreased by $3.3 billion, reflecting decreases of $1.8 billion in auto collateralized borrowings, $941 million in senior debt given the impact of net maturities, and $539 million in FHLB advances.

SEC original ↗Citizens Financial Group — Earnings release (8-K exhibit)EX-99Oct 15, 2025

Strategy & priorities

Our Reimagine the Bank initiative continues to take shape and will positively contribute to delivery of our medium-term targets.

SEC original ↗Citizens Financial Group — Earnings release (8-K exhibit)EX-99Oct 15, 2025

Third quarter 2024 results reflect notable items primarily related to integration costs associated with recent acquisitions, as well as TOP revenue and efficiency initiatives.

SEC original ↗Citizens Financial Group — Earnings release (8-K exhibit)EX-99Oct 15, 2025

These statements often include the words believes, expects, anticipates, estimates, intends, plans, goals, targets, initiatives, potentially, probably, projects, outlook, guidance or similar expressions or future conditional verbs such as may, will, likely, should, would, and could.

SEC original ↗Citizens Financial Group — Earnings release (8-K exhibit)EX-99Oct 15, 2025

Focus areas include: Pricing and credit underwriting KYC and AML Fraud Further automate operations; call center restructure Technology development and resiliency Enhanced analytics to improve client service and engagement 100% in the cloud by YE2025; exit data centers and reduce number of business applications Rationalize corporate facilities given shifting workforce dynamics Further standardize, streamline and automate operational processes Strategic restructure of vendor relationships Reposition branch network for growth Next-gen personalization 21 4Q25 outlook vs.

SEC original ↗Citizens Financial Group — Presentation / slide deck (8-K exhibit)EX-99Oct 15, 2025

Risks & headwinds

The allowance for credit losses decreased slightly given improving loan mix, primarily reflecting the Non-Core portfolio reduction, reduced CRE and lower loss-content originations The economic forecast supporting the allowance is relatively stable to the prior quarter, which reflects a mild recession and contemplates a potential macroeconomic impact from tariffs Real GDP decline of 0.5% start-to-trough and peak unemployment of 5.2%, unchanged versus the 2Q25 assumptions In addition, we apply a more severe scenario against areas of concern, such as General Office Commentary 1.61% 1.62% 1.61% 1.59% 1.56%Total ACL ratio See pages 34-35 for notes.

SEC original ↗Citizens Financial Group — Presentation / slide deck (8-K exhibit)EX-99Oct 15, 2025

The Company s future financial performance is subject to the risks and uncertainties described in its SEC filings.

SEC original ↗Citizens Financial Group — Presentation / slide deck (8-K exhibit)EX-99Oct 15, 2025

Documents

Earnings deck slides

0 decks with slide view

Citizens Financial Group — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Citizens Financial Group — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Citizens Financial Group — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Citizens Financial Group — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Citizens Financial Group — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Citizens Financial Group — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Citizens Financial Group — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Citizens Financial Group — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Citizens Financial Group — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Citizens Financial Group — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Citizens Financial Group — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Citizens Financial Group — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Citizens Financial Group — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Citizens Financial Group — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Citizens Financial Group — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Citizens Financial Group — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Citizens Financial Group — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Citizens Financial Group — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Citizens Financial Group — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Citizens Financial Group — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Citizens Financial Group — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Citizens Financial Group — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Citizens Financial Group — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Citizens Financial Group — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Citizens Financial Group — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Citizens Financial Group — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Citizens Financial Group — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Citizens Financial Group — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Competitors

Competitors & peers

Named in the company’s own filings

Financial Institutions Inc. (FISI)“We face competition within these markets from community banks, super-regional and national financial institutions, credit unions, savings and loan associations, mortgage banking firms, consumer finance companies, securities brokerage firms, insurance companies, money market funds, hedge funds, and private equity firms.”

Filings

63 documents

Earnings releases

15 documents

Presentations

28 documents

Transcripts

0 documents

No transcripts for Citizens Financial Group are held in this edition of the library.

Mentioned by

5 companies

Other tracked companies whose held documents mention Citizens Financial Group by name or ticker. A mention is counted once per document, from the document text the library holds.

See also the earnings calendar for every tracked company’s next earnings date.