Citizens Financial EPS Rises 19% in Q2 2025
Citizens Financial Group, Inc.(NYSE:CFG) reported 2Q2025 results on July 17th, delivering earnings per share (EPS) of $0.92, up $0.15, or 19%, from the prior quarter, driven by 3.3% net interest income (NII) growth, fee income grew 10% quarter-over-quarter, and five basis points of net interest margin (NIM) expansion to 2.95%.
The company executed $200 million in share repurchases, achieved record private bank loan growth of $1.2 billion, and maintained strong credit metrics, while reaffirming full-year and medium-term targets, including a 16%-18% return on tangible common equity (ROTCE, non-GAAP) for 2025 and beyond. Key strategic initiatives, including a multiyear “reimagining the bank” program leveraging AI and differentiated success in HELOC and private banking, featured prominently in management’s commentary during the earnings call.
The private bank segment posted a quarterly high, adding $1.2 billion in loans to reach $4.9 billion in period-end balances and growing average deposits by $966 million, while contributing $0.06 to EPS versus $0.04 in the previous quarter. Assets under management (AUM) in the private bank rose to $6.5 billion, up $1.3 billion.
Source Fool.com
