Citizens Financial Group (CFG) Posts Q4 2025 Earnings Beat, Shares Up 6%
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 21 2026
0mins
Source: seekingalpha
- Earnings Beat: Citizens Financial Group reported Q4 2025 EPS of $1.13, exceeding the $1.11 analyst estimate and rising from $1.05 in Q3 and $0.83 a year ago, indicating sustained profitability improvement.
- Revenue Growth: Total revenue for Q4 reached $2.16 billion, slightly above the $2.15 billion consensus, and increased from $2.12 billion in Q3 and $1.99 billion in Q4 2024, reflecting strong fee growth and business expansion.
- Net Interest Income Rise: Q4 net interest income was $1.54 billion, up from $1.49 billion in Q3 and $1.41 billion a year earlier, with net interest margin improving from 3.00% in Q3 to 3.07%, showcasing positive impacts from the improved interest rate environment.
- Credit Loss Provision Decline: Provisions for credit losses fell to $137 million from $154 million in Q3 and $162 million in Q4 2024, indicating improved credit quality and effective risk management by the bank.
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Analyst Views on CFG
Wall Street analysts forecast CFG stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for CFG is 66.29 USD with a low forecast of 59.00 USD and a high forecast of 77.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
15 Analyst Rating
13 Buy
2 Hold
0 Sell
Strong Buy
Current: 62.920
Low
59.00
Averages
66.29
High
77.00
Current: 62.920
Low
59.00
Averages
66.29
High
77.00
About CFG
Citizens Financial Group, Inc. offers a range of retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations and institutions. The Company operates through two segments: Consumer Banking and Commercial Banking. Consumer Banking segment serves consumer customers and small businesses, with products and services that include deposits, mortgage and home equity lending, credit cards, small business loans, wealth management and investment services largely across its 14-state traditional banking footprint. Consumer Banking segment operates approximately 1,000 branches, including 143 in-store locations, and approximately 3,100 ATMs. Commercial Banking segment primarily serves companies and institutions with financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange, interest rate and commodity risk management solutions, as well as syndicated loans, and others.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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