The company said its net income for Q4 2025 was $528 million, with diluted earnings per share (EPS) of $1.13. For Q4 2024, net income was $401 million and diluted EPS was $0.83.

1. 01

   The company said its net income for Q4 2025 was $528 million, with diluted earnings per share (EPS) of $1.13. For Q4 2024, net income was $401 million and diluted EPS was $0.83.

2. 02

   Citizens Financial Group said net interest income for Q4 was $1,537 million, up 3% from the prior quarter, and that its net interest margin (NIM) on a FTE basis rose 7 basis points to 3.07%. The company cited Non-Core runoff and fixed-rate asset repricing as factors.

3. 03

   The company said its net income for 2025 was $1,831 million, with diluted EPS of $3.86. Net income for 2024 was $1,509 million, with diluted EPS of $3.03, and the company said there were no notable items in 2025.

4. 04

   Citizens Financial Group said its net charge-off ratio for Q4 was 0.43%, down 3 basis points from 0.46% in the prior quarter, and that its allowance for credit losses to loans and leases ratio was 1.53%. The company cited an improved loan mix as the reason.

Analysis scope · Filing body and confirmed press-release exhibitWe analyzed the opening part of the filing body and confirmed exhibits, within a length limit. This is not a review of other exhibits, investor presentations or the full earnings call.

AI summarized the filing and translated the summary into English; it may differ from the original. For reference only, not investment advice. AI translated the published Korean report into English. Figures are copied as filed, not recalculated.

Original filing

The filing as submitted to SEC EDGAR. You can check the figures and statements of this summary against it.