Citizens Q2 EPS $0.92, up $0.15 QoQ; NII +3%, fee income +10%, operating leverage ~5%

CITIZENS FINANCIAL GROUP INC/RI

2025-Q2 EPS reported $1.69 revenue$3,972,000,000

Net income $436M, diluted EPS $0.92; underlying EPS same.
Revenue $2,037M; pre-provision profit $718M (up 16% QoQ).
Net interest margin 2.95% (up 5 bps); loans up 1% spot; deposits up 1% average.
Net charge-offs 48 bps (down QoQ); ACL coverage 1.59%; CET1 10.6%.
TBV/share $35.23 (up 4% QoQ); Private Bank contributed $0.06 to EPS.

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