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Sep 30, 2025
Citizens Q3 2025 Earnings Report
Citizens reported solid financial results with year-over-year growth in net income and revenue.
Key Takeaways
Citizens Financial Group delivered strong Q3 results, driven by higher net interest income and a significant increase in capital markets fees. Operating efficiency improved, and the company maintained a solid CET1 capital ratio of 10.7%.
Net income reached $494 million in Q3 2025.
Total revenue rose to $2.118 billion, up from $1.901 billion in Q3 2024.
Efficiency ratio improved to 63.03% from 66.23% a year earlier.
Capital markets fees surged to $166 million from $94 million in Q3 2024.
Revenue by Segment
Forward Guidance
Citizens did not issue detailed forward guidance but highlighted continued focus on operational efficiency and credit quality management.
Positive Outlook
- Strong capital markets fees performance
- Stable net interest margin at 2.99%
- Consistent capital ratios with CET1 at 10.7%
- Efficiency ratio improvement indicates cost control
- Growth in consumer loan balances, especially home equity
Challenges Ahead
- Revenue decline in Non-Core and Other segments
- Auto and education loan balances continued to decline
- Net charge-offs remained elevated at $162 million
- Deposits continue shifting away from time accounts
- No specific revenue or EPS guidance for Q4 or FY25
Historical Earnings Impact
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Avg. Return Before/After Earnings
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