Citizens Financial Q4 net income $528M, EPS $1.13, up 36% YoY; full-year EPS $3.86 up 19% underlying

CITIZENS FINANCIAL GROUP INC/RI

2025-FY EPS reported $3.86 revenue$8,247,000,000

Q4 net income $528M (up 32% YoY); diluted EPS $1.13 (up 36% YoY); revenue $2.16B (up 8.6% YoY).
Positive operating leverage 1.3% QoQ and 5.2% YoY; efficiency ratio 62.2%, improved 79 bps QoQ.
Net interest margin expanded 7 bps QoQ to 3.07%; period-end deposits $183.3B, up 2% QoQ; LDR 77.8%.
Credit trends favorable: NCO ratio 43 bps (down 3 bps QoQ); ACL coverage 1.53%; CET1 10.6%; TBV/share $38.07, up 4% QoQ.
Full-year 2025 underlying net income $1.8B, underlying EPS $3.86 (up 19% YoY); Private Bank contributed $0.10 to Q4 EPS.

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