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Citizens Financial Group Earnings Calls
| Release date | Oct 15, 2025 |
| EPS estimate | $1.03 |
| EPS actual | $1.05 |
| EPS Surprise | 1.94% |
| Revenue estimate | 2.1B |
| Revenue actual | 2.118B |
| Revenue Surprise | 0.85% |
| Release date | Jul 17, 2025 |
| EPS estimate | $0.88 |
| EPS actual | $1.00 |
| EPS Surprise | 13.14% |
| Revenue estimate | 2.163B |
| Revenue actual | 2.407B |
| Revenue Surprise | 11.29% |
| Release date | Apr 16, 2025 |
| EPS estimate | $0.749 |
| EPS actual | $0.84 |
| EPS Surprise | 12.68% |
| Revenue estimate | 2.006B |
| Revenue actual | 1.935B |
| Revenue Surprise | -3.54% |
| Release date | Jan 17, 2025 |
| EPS estimate | - |
| EPS actual | -$2.30 |
| Revenue estimate | 1.947B |
| Revenue actual | 1.976B |
| Revenue Surprise | 1.47% |
Last 4 Quarters for Citizens Financial Group
Below you can see how CFG-PE performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Jan 17, 2025 |
| Price on release | $19.88 |
| EPS estimate | - |
| EPS actual | -$2.30 |
| Date | Price |
|---|---|
| Jan 13, 2025 | $18.78 |
| Jan 14, 2025 | $18.89 |
| Jan 15, 2025 | $19.46 |
| Jan 16, 2025 | $19.87 |
| Jan 17, 2025 | $19.88 |
| Jan 21, 2025 | $20.36 |
| Jan 22, 2025 | $20.36 |
| Jan 23, 2025 | $20.32 |
| Jan 24, 2025 | $20.25 |
| 4 days before | 5.86% |
| 4 days after | 1.86% |
| On release day | 2.41% |
| Change in period | 7.83% |
| Release date | Apr 16, 2025 |
| Price on release | $18.39 |
| EPS estimate | $0.749 |
| EPS actual | $0.84 |
| EPS surprise | 12.68% |
| Date | Price |
|---|---|
| Apr 10, 2025 | $18.26 |
| Apr 11, 2025 | $18.06 |
| Apr 14, 2025 | $18.20 |
| Apr 15, 2025 | $18.26 |
| Apr 16, 2025 | $18.39 |
| Apr 17, 2025 | $18.40 |
| Apr 21, 2025 | $18.31 |
| Apr 22, 2025 | $18.43 |
| Apr 23, 2025 | $18.60 |
| 4 days before | 0.687% |
| 4 days after | 1.17% |
| On release day | 0.0794% |
| Change in period | 1.86% |
| Release date | Jul 17, 2025 |
| Price on release | $19.53 |
| EPS estimate | $0.88 |
| EPS actual | $1.00 |
| EPS surprise | 13.14% |
| Date | Price |
|---|---|
| Jul 11, 2025 | $19.46 |
| Jul 14, 2025 | $19.33 |
| Jul 15, 2025 | $19.15 |
| Jul 16, 2025 | $19.11 |
| Jul 17, 2025 | $19.53 |
| Jul 18, 2025 | $19.49 |
| Jul 21, 2025 | $19.51 |
| Jul 22, 2025 | $19.52 |
| Jul 23, 2025 | $19.48 |
| 4 days before | 0.360% |
| 4 days after | -0.256% |
| On release day | -0.184% |
| Change in period | 0.103% |
| Release date | Oct 15, 2025 |
| Price on release | $20.44 |
| EPS estimate | $1.03 |
| EPS actual | $1.05 |
| EPS surprise | 1.94% |
| Date | Price |
|---|---|
| Oct 09, 2025 | $20.60 |
| Oct 10, 2025 | $20.42 |
| Oct 13, 2025 | $20.41 |
| Oct 14, 2025 | $20.30 |
| Oct 15, 2025 | $20.44 |
| Oct 16, 2025 | $20.21 |
| Oct 17, 2025 | $20.13 |
| Oct 20, 2025 | $20.21 |
| Oct 21, 2025 | $20.34 |
| 4 days before | -0.777% |
| 4 days after | -0.489% |
| On release day | -1.13% |
| Change in period | -1.26% |
Citizens Financial Group Earnings Call Transcript Summary of Q3 2025
Citizens Financial Group reported a strong Q3 2025 with EPS of $1.50, up $0.13 sequentially (14%), driven by 3.5% sequential NII growth, 5 bps NIM expansion, 5% fee growth (notably a record Capital Markets quarter), and disciplined expense control (expenses +1% leading to positive operating leverage). The Private Bank continues to accelerate: spot deposits reached $12.5B (up $3.8B), loans rose to $5.9B, AUM to $7.6B, and the Private Bank achieved cumulative breakeven while contributing $0.08 to EPS this quarter. Credit trends remain favorable (net charge-offs ~46 bps, allowance 1.56%), CET1 rose to 10.7% (9.4% adjusted), liquidity is strong, and the company returned $259M to shareholders (dividend increase + buybacks). Management reiterated a Q4 view assuming two 25 bps Fed cuts (guidance: NII +2.5–3%, margin ~3.05%, stable NII mix) and a medium-term ROTCE target of 16–18%. They announced a broad “Reimagine the Bank” initiative (technology/AI, vendor rationalization, branch/facilities optimization) expected to largely offset 2026 one-time costs and produce net benefits beginning in 2027, scaling to run-rate benefits that could exceed top-six peers (> $400M) when fully phased in. Management emphasized continued focus on organic growth (especially private bank, capital markets, wealth) and capital returns, with opportunistic M&A only at a high bar.
