Citizens Financial Q3 net income $494M, EPS $1.05; PPNR up 9% QoQ

CITIZENS FINANCIAL GROUP INC/RI

2025-Q3 EPS reported $2.74 revenue$6,090,000,000

EPS of $1.05 vs $0.92 in Q2; ROTCE 11.7% vs 11.0%.
PPNR $783M, up 9% QoQ; NII +3.5%, NIM expanded 5 bps to 3.00%.
Capital Markets revenue surged 58% QoQ; Wealth up 6% QoQ.
Net charge-offs 46 bps, down 2 bps QoQ; CET1 10.7%; TBV/share $36.73 (+4% QoQ).
Efficiency ratio improved ~170 bps to 63.0%; positive operating leverage 3%.

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