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Sep 30, 2025
Northern Trust Q3 2025 Earnings Report
Northern Trust reported solid third-quarter results with strong profitability and disciplined capital returns.
Key Takeaways
Northern Trust delivered stable revenue and higher earnings in Q3 2025, with strong pre-tax margins, a healthy return on equity, and active share repurchases.
EPS reached $2.29, up from the previous quarter.
Net income rose to $457.6M despite slightly lower revenue year-over-year.
Pre-tax profit margin remained strong at 30.8%.
The company repurchased $277M in common stock during the quarter.
Forward Guidance
No explicit forward guidance was provided in the presentation. However, the company emphasized strong capital positioning and operational momentum.
Positive Outlook
- Robust capital and liquidity levels with $12B in Tier 1 capital
- 63% of average deposits covered by highly liquid assets
- Strong pre-tax margin of 30.8%
- Continued momentum in asset servicing and wealth management
- Ongoing share repurchase activity shows confidence in financial health
Challenges Ahead
- Net income slightly lower compared to Q3 2024
- Decline in average deposits and loans in asset servicing segment
- Noninterest expense remained elevated
- Securities lending collateral remained flat QoQ
Historical Earnings Impact
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Avg. Return Before/After Earnings
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