Citizens Financial Group (CFG) Reports 36% YoY EPS Growth in Q4 2025
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 21 2026
0mins
Source: seekingalpha
- Significant Profit Growth: Citizens Financial Group reported Q4 2025 EPS of $1.13, reflecting an 8% sequential increase and a 36% year-over-year growth, indicating strong profitability and competitive positioning in the market.
- Strong Private Bank Performance: The Private Bank ended 2025 with $14.5 billion in deposits and $7.2 billion in loans, exceeding the 5% target and contributing 7% to pretax income, further solidifying its market position.
- Digital Transformation Initiative: The launch of the 'Reimagine the Bank' program includes around 50 initiatives aimed at enhancing customer experience and achieving substantial revenue growth, with projected pretax benefits of approximately $450 million by 2028.
- Optimistic Future Outlook: Citizens expects net interest income to grow by 10% to 12% in 2026, with loan growth accelerating and overall earning assets improving, showcasing the company's strong growth potential in a favorable macroeconomic environment.
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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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