[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]

![ClearSightAI Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::1841007795572711424.png) ClearSight AI [@ClearSightAI](/creator/twitter/ClearSightAI) on x XXX followers
Created: 2025-07-17 12:36:18 UTC

$CFG Q2 FY2025 Earnings: Solid Beat with NIM Expansion & Expense Discipline 💼
Citizens Financial posted strong Q2 results, with EPS and revenue topping estimates, and positive trends across core banking metrics:
✅ Adjusted & GAAP EPS: $XXXX (vs. $XXXX est.)
✅ Revenue: $2.04B (vs. $2.01B est.)

Highlights 📊
• EPS +$0.15 QoQ | PPNR +16% QoQ to $718M
• Net interest income +3.3%; NIM up X bps to XXXX%
• Strong fee income (Card, Wealth, Mortgage)
• Efficiency ratio improved to XXXX%
• CET1 ratio: XXXX% | TBV/share: $XXXXX (+4% QoQ)
• LDR: XXXX% | Pro forma LCR >100%

Credit & Deposits 🏦
• Net charge-offs: XX bps (down QoQ)
• NPAs -X% QoQ | ACL coverage stable at XXXX%
• Average deposits +1%, with mix shifting to lower-cost categories
• Loan growth across Private Bank, Commercial, and Consumer

Challenges ⚠️
• Some M&A advisory fees delayed to July
• Modest increase in C&I-related charge-offs
• Deposit mix shift impacted Treasury brokered balances

Capital Return 💸
• Dividend: $0.42/share (payable Aug 14, 2025)
• $200M repurchased in Q2; buyback program expanded to $1.5B
#Earnings #Banking #Financials $CFG


XX engagements

![Engagements Line Chart](https://lunarcrush.com/gi/w:600/p:tweet::1945824881297195374/c:line.svg)

**Related Topics**
[cfg](/topic/cfg)
[$718m](/topic/$718m)
[$201b](/topic/$201b)
[$204b](/topic/$204b)
[banking](/topic/banking)
[coins ai](/topic/coins-ai)
[$cfg](/topic/$cfg)
[citizens financial group inc](/topic/citizens-financial-group-inc)

[Post Link](https://x.com/ClearSightAI/status/1945824881297195374)