Citizens Q4 EPS $1.13, ROTCE 12.2%; dividend $0.46

CITIZENS FINANCIAL GROUP INC/RI

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

EPS of $1.13, up 8% QoQ; ROTCE 12.2% vs 11.7% in Q3.
Total revenue $2.157B, up 2% QoQ; NIM expanded 7 bps to 3.07%.
Pre-provision profit $814M, up 4% QoQ, 19% YoY.
Net charge-off ratio improved to 0.43%, down 3 bps QoQ.
Quarterly dividend declared $0.46/share, payable Feb 18, 2026.

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