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Dec 31, 2025
Citizens Q4 2025 Earnings Report
Citizens reported solid fourth quarter results with strong net income and improved operational efficiency.
Key Takeaways
Citizens Financial Group delivered a strong Q4, driven by growth in net interest income, improved efficiency, and stable credit performance. Net income rose to $528 million, while diluted EPS reached $1.13.
Net income increased to $528 million in Q4
Revenue grew to $2.16 billion, up from $1.99 billion in Q4 of the prior year
Efficiency ratio improved to 62.24%
Net interest margin expanded to 3.06%
Revenue by Segment
Forward Guidance
Management expects continued momentum in earnings and stable credit quality into 2026, supported by strong consumer demand and effective cost control.
Positive Outlook
- Net interest margin expected to remain strong
- Consumer loan growth projected to continue
- Stable credit quality and reserves coverage
- Efficiency improvements to continue
- Capital levels expected to remain solid
Challenges Ahead
- Pressure on commercial real estate portfolio
- Higher funding costs from interest-bearing deposits
- Potential headwinds from macroeconomic uncertainty
- Slight decline in capital markets fees
- Slower loan growth in education and auto segments
Historical Earnings Impact
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Avg. Return Before/After Earnings
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