Citizens Financial posts strong fourth-quarter 2025 earnings growth
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Citizens Financial ( (CFG) ) just unveiled an update.
On January 21, 2026, Citizens Financial Group reported its fourth-quarter and full-year 2025 results, highlighting an 8% sequential rise in earnings per share to $1.13 and a return on tangible common equity of 12.2%, supported by strong progress in its Private Bank, which contributed $0.10 to EPS. Pre-provision net revenue increased 4% quarter-on-quarter and 19% year-on-year to $814 million as total revenue reached $2.16 billion, driven by expanding net interest margin, higher fees in wealth management and capital markets, and improved operating efficiency, with the efficiency ratio falling to 62.2%. Loan and deposit growth remained solid, with period-end loans up 1% from the prior quarter to $142.7 billion and deposits up 2% on average, while credit quality stayed favorable with net charge-offs declining to 0.43% and strong allowance coverage of 1.53%. Citizens also underscored balance sheet strength, including a loan-to-deposit ratio of 77.8%, a CET1 ratio of 10.6% and tangible book value per share up 4% quarter-on-quarter to $38.07, reinforcing its capital and liquidity position for stakeholders.
The most recent analyst rating on (CFG) stock is a Buy with a $77.00 price target. To see the full list of analyst forecasts on Citizens Financial stock, see the CFG Stock Forecast page.
Spark’s Take on CFG Stock
According to Spark, TipRanks’ AI Analyst, CFG is a Outperform.
The score is driven primarily by solid underlying financial performance (strong cash generation, healthy operating margins, improved leverage) and a very constructive earnings outlook with clear operating-leverage and capital-return plans. Technicals are supportive but somewhat stretched (RSI ~71). Valuation is reasonable with a moderate P/E and a supportive dividend yield, but not compelling enough to materially lift the overall score.
To see Spark’s full report on CFG stock, click here.
More about Citizens Financial
Citizens Financial Group, Inc. is a U.S.-based regional banking group that provides consumer and commercial banking services, including lending, deposit products, wealth management and capital markets solutions, with a growing focus on its Private Bank and commercial client franchises.
Average Trading Volume: 4,595,010
Technical Sentiment Signal: Buy
Current Market Cap: $25.69B
For a thorough assessment of CFG stock, go to TipRanks’ Stock Analysis page.
