Citizens Financial Group (NYSE:CFG) Q3 2025 Earnings: EPS Beats, Revenue Slightly Misses, Dividend Hiked 9.5%

Citizens Financial Group (NYSE:CFG) has released its financial results for the third quarter of 2025, presenting a performance that narrowly missed revenue expectations while delivering a positive surprise on the bottom line. The market's immediate reaction appears to be positive, with pre-market trading indicating a significant uptick in the stock's value.

Earnings and Revenue Versus Estimates

The bank reported earnings that surpassed analyst forecasts, though its top-line revenue came in slightly below expectations. The details of the performance against estimates are outlined below.

• Earnings Per Share (EPS): The company reported a non-GAAP EPS of $1.05, which exceeded the analyst consensus estimate of $1.0371.
• Revenue: Reported revenue for the quarter was $2.118 billion, marginally below the estimated $2.121 billion.

This mixed result, with a beat on profitability but a slight miss on revenue, seems to have been interpreted favorably by investors. The pre-market price action, showing an increase of over 3%, suggests the market is placing greater emphasis on the earnings beat and other positive elements within the report.

Key Highlights from the Quarterly Report

Beyond the headline earnings and revenue figures, the quarterly press release contained several significant announcements that paint a picture of a institution building momentum. Chairman and CEO Bruce Van Saun characterized the results as "very strong," pointing to excellent net interest income (NII) and fee growth. He also highlighted a 3% sequential positive operating leverage and credit results that continue to trend favorably. The company's Capital Markets division was a particular bright spot, delivering its highest revenues since the fourth quarter of 2021.

In a notable move for shareholders, the board of directors declared a quarterly common stock dividend of $0.46 per share. This represents a $0.04, or 9.5%, increase compared to the dividend paid in the prior quarter. The announcement of this substantial dividend hike underscores the company's confidence in its financial health and commitment to returning capital to its investors.

Looking Ahead

While the press release did not provide a specific quantitative financial outlook for the coming quarters, management commentary offered a qualitative perspective on the company's trajectory. CEO Van Saun expressed optimism, stating that the "Reimagine the Bank" initiative is taking shape and will contribute to the delivery of medium-term targets. He concluded that the company has "good momentum" and is "very well-positioned for the medium-term." For quantitative context, analysts have already established estimates for the company's future performance, with revenue for the fourth quarter of 2025 projected to be approximately $2.165 billion.

For a detailed breakdown of historical earnings and future analyst estimates, you can review the data available on the Citizens Financial Group earnings and estimates page.

Disclaimer: This article is for informational purposes only and does not constitute financial advice, a recommendation, or an offer or solicitation to buy or sell any securities. The opinions expressed are based on current market conditions and publicly available information, which are subject to change. Investors should conduct their own research and consult with a qualified financial advisor before making any investment decisions.