Citizens Financial Services, Inc. (CZFS) Q3 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Good morning, everyone, and welcome to the Citizens Financial Group third quarter 2025 earnings conference call. My name is Denise, and I'll be your operator today. Currently, all participants are in a listen-only mode. Following the presentation, we will conduct a brief question and answer session. As a reminder, this event is being recorded. Now, I'll turn the call over to Kristen Silberberg, Head of Investor Relations. Kristen, you may begin. Thank you, Denise. Good morning, everyone, and thank you for joining us. First this morning, our chairman and CEO, Bruce Van Saan, and interim CFO, Chris Emerson, will provide an overview of our third quarter results. Brendan Coughlin, president, and Don McCree, chair of commercial banking, are also here to provide additional color. We will be referencing our third quarter presentation located on our investor relations website. After the presentation, we will be happy to take questions. Our comments today will include forward-looking statements, which are subject to risks and uncertainties that may cause our results to differ materially from expectations. These are outlined for your review in the presentation. We also reference non-GAAP financial measures, so it's important to review our GAAP results in the presentation and the reconciliations in the appendix. And with that, I will hand over to Bruce. Thanks, Kristen. Good morning, everyone, and thanks for joining our call today. We announced very strong financial results today as our momentum continues. We feel like we are firing on all cylinders. Financial highlights include EPS growth of 13 cents sequential quarter, or 14%. We had strong NII growth of 3.5% sequentially, paced by NIM expansion of five basis points, and net loan growth across consumer, private bank, and comm...