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AI brief of an SEC Form 8-K · Citizens Financial (CFG)

Citizens Financial Q4 2025 net income rises 32% to $528 million, EPS $1.13

Positive Impact 3 of 5 earnings Written later

Citizens Financial Group reported fourth quarter 2025 net income of $528 million, up 32% from a year earlier, and diluted EPS of $1.13, up 36%. Full year 2025 net income was $1.8 billion and diluted EPS was $3.86. The company also declared a quarterly common dividend of $0.46 per share, payable February 18, 2026, to holders of record on February 4, 2026.

Key points

  • Q4 2025 total revenue was $2,157 million, up 9% from Q4 2024, and net interest margin was 3.07%.
  • Q4 2025 net charge-offs were 43 basis points of average loans, down from 53 basis points in Q4 2024.
  • Common shares repurchased in Q4 2025 totaled $125 million, and the quarterly dividend rose $0.04 to $0.46 per share.

The filing

CompanyCitizens Financial (CFG)
Form8-K, current report
Filed with the SECJan 21, 2026, 6:25 AM ET
Accession number0000759944-26-000017

Items reported: 2.02 Results of Operations7.01 Regulation FD Disclosure

Read the filing on SEC.gov ↗

Written by AI on Nov 8, 2026, 1:10 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on January 21, 2026.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.