Citizens Financial Q4 2024 net income $401M ($0.83 EPS); underlying EPS $0.85

CITIZENS FINANCIAL GROUP INC/RI

2024-FY EPS reported $3.03 revenue$7,809,000,000

Net income of $401M vs $189M in Q4 2023; GAAP EPS $0.83 vs $0.34 YoY.
Underlying net income $412M; underlying EPS $0.85 (flat YoY); underlying PPNR $684M, up 4% QoQ.
Net interest margin (FTE) improved 10 bps to 2.87%; total revenue $1,986M, roughly flat YoY.
CET1 ratio 10.8% (up from 10.6% in Q3); period-end loans $139.2B, down 1.7% QoQ amid Non-Core run-off.
Private Bank lending grew $1.1B to $3.1B; spot deposits up $1.4B to $7.0B; LDR 79.6%.

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