CITIZENS FINANCIAL GROUP INC/RI (CFG)
As-reported financials and SEC filings for CITIZENS FINANCIAL GROUP INC/RI. The latest annual period is FY2025. The latest reported quarter is Q2 FY2026. Financial statements come straight from the company’s EDGAR filings; valuation figures such as P/E and market cap use market data.
About CITIZENS FINANCIAL GROUP INC/RI
Citizens Financial Group, Inc. is a bank holding company headquartered in Providence, Rhode Island. It provides retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations, and institutions primarily in 14 states and the District of Columbia. Its offerings include deposits, lending, wealth management, treasury and payment solutions, and advisory services through a network of branches, offices, and digital platforms.
Snapshot
Fundamentals are from SEC filings for FY2025, the latest annual period (ended December 31, 2025). P/E and market cap are derived from stored market prices, last retrieved on a rolling basis and typically within the past week.
What changed at Citizens Financial Group Inc/ri
- Revenue grew 5.6% to $8.2B in FY2025, after a 5.0% decline the year before.
- Most recent quarter Q2 FY2026: revenue $2.3B, up 12.1% from Q2 FY2025.
- Net income rose 21.3% to $1.8B in FY2025.
Computed from the as-reported figures in the statements below. A change we cannot state from filed figures is left out rather than estimated.
Peer comparison
Where Citizens Financial Group Inc/ri’s fundamentals sit among the 76 banks. Each figure is ranked only against peers that report it, from lowest (left) to highest (right).
Citizens Financial Group Inc/ri’s return on equity of 7.0% ranks in the 13th percentile of the 76 banks reporting it.
No reported insider purchases (code P) in the last 90 days; 1 insider sale totaling $9.3M. For context, about 15% of companies in the universe saw any reported insider purchase (code P) in the same window. Browse insider activity →
Percentiles describe where a figure sits among industry peers reporting it (100th = highest). They are position within a peer group, not a rating, and not investment advice. Short interest ranking uses days to cover from FINRA Consolidated Short Interest data; FINRA is the owner and source of that data, included at no additional charge.
Institutional ownership
Held by 3 of the superinvestors we track (plus 6 quant / multi-strat books), based on each investor’s most recent 13F; periods vary by investor (newest: Q2 2026).
| Investor | As of | Position value | Shares | Change |
|---|---|---|---|---|
| AQR Capital Managementquant | Q2 2026 | $534.4M | 7.6M | Added |
| D. E. Shawquant | Q2 2026 | $195.9M | 2.8M | Reduced |
| Citadel Advisorsquant | Q2 2026 | $190.0M | 2.7M | Reduced |
| Bridgewater Associates | Q2 2026 | $59.4M | 847.9K | Added |
| Point72 Asset Managementquant | Q2 2026 | $24.4M | 347.6K | Reduced |
| Soros Fund Management | Q2 2026 | $20.1M | 287.5K | Reduced |
| Two Sigma Investmentsquant | Q2 2026 | $6.1M | 86.6K | Reduced |
| Gotham Asset Management | Q2 2026 | $1.0M | 14.7K | Reduced |
| Millennium Managementquant | Q2 2026 | $713,453 | 10.2K | Reduced |
No longer held by: Maverick Capital (as of Q2 2026)
From quarterly Form 13F filings, which can be up to 45 days delayed. Long US-listed positions only: excludes short positions, options, cash, bonds, and non-US holdings, so this is not a manager’s complete portfolio. Counts are of the investors we track, not all institutions. Not investment advice.
Recent insider activity
Non-derivative buys and sells (codes P/S) reported by officers, directors and 10% owners on SEC Form 4.
| Trade date | Insider | Type | Shares | Price | Value |
|---|---|---|---|---|---|
2026-07-24 filed 2026-07-28 | VAN SAUN BRUCEChairman and CEO | Sell | 129.4K | $72.07 | $9.3M |
2026-05-12 filed 2026-05-14 | Moosally MichelleChief Legal Officer | Sell | 6.0K | $62.16 | $376K |
2025-06-02 filed 2026-08-17 | Swift ChristopherDirector | Buy | 20 | $40.06 | $801 |
2024-02-06 filed 2026-08-17 | Swift ChristopherDirector | Buy | 10 | $31.47 | $315 |
Reported non-derivative purchases and sales (codes P/S) — which may be open-market or private; excludes option exercises, grants, and shares withheld for taxes. Dates shown are the trade date; a Form 4 can be filed days to years later. A sale can be routine (e.g. a pre-set 10b5-1 plan), so read individual transactions in context. From SEC Form 4. Not investment advice.
Short interest
Total shares sold short as of each twice-monthly FINRA settlement. Rising short interest means more investors are positioned against the stock; days to cover estimates how many trading days of average volume that position represents.
| Settlement | Shares short | Change | Days to cover |
|---|---|---|---|
| 2026-08-14 | 15.7M | -17.9% | 5.39 |
| 2026-07-31 | 19.2M | +18.1% | 3.96 |
| 2026-07-15 | 16.2M | +3.6% | 3.04 |
| 2026-06-30 | 15.6M | -2.5% | 3.29 |
| 2026-06-15 | 16.0M | +2.0% | 3.49 |
| 2026-05-29 | 15.7M | +10.5% | 3.97 |
| 2026-05-15 | 14.2M | -3.0% | 3.68 |
| 2026-04-30 | 14.7M | -5.5% | 2.83 |
Source: FINRA Consolidated Short Interest. FINRA is the owner and source of the FINRA-supplied data, which is included at no additional charge for your own personal or professional use; republishing or redistributing it is not permitted. Settlement dates are shown; FINRA publishes each settlement about nine business days later, so the latest figure can be two to four weeks old. Not presented as a percentage of float. No FINRA endorsement of this product is implied. Not investment advice.
Bank fundamentals
Regulatory detail for Citizens Bank, National Association (Providence, RI), the insured-bank subsidiary, from its FDIC Call Report as of Q1 2026. This is what actually moves bank stocks: deposit franchise, capital, and credit quality that a standard income statement can’t show.
Source: FDIC BankFind (Call Report). Bank-subsidiary figures, filed quarterly ~30 days after quarter-end.
Income statement (as reported)
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|
| Revenue | $8.25B | $7.81B | $8.22B | $8.02B | $6.65B |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $1.83B | $1.51B | $1.61B | $2.07B | $2.32B |
| Diluted EPS | $3.86 | $3.03 | $3.13 | $4.10 | $5.16 |
Figures as reported to the SEC. Underlined values link to the filing they came from; dotted values are calculated by us from reported figures; “adj” means restated for a stock split (hover to see the figure as filed). Full details: where the numbers come from.
Balance sheet (as reported)
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|
| Cash and equivalents | $12.73B | $10.60B | $11.63B | $10.55B | $9.16B |
| Current assets | — | — | — | — | — |
| Total assets | $226.35B | $217.52B | $221.96B | $226.73B | $188.41B |
| Current liabilities | — | — | — | — | — |
| Long-term debt | $11.22B | $12.40B | $13.47B | $15.89B | $6.93B |
| Total liabilities | $200.03B | $193.27B | $197.62B | $203.04B | $164.99B |
| Total equity | $26.32B | $24.25B | $24.34B | $23.69B | $23.42B |
Figures as reported to the SEC. Underlined values link to the filing they came from; dotted values are calculated by us from reported figures; “adj” means restated for a stock split (hover to see the figure as filed). Full details: where the numbers come from.
Cash flow (as reported)
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|
| Operating cash flow | $2.21B | $2.00B | $2.96B | $4.12B | $2.27B |
| Capital expenditure | — | — | — | — | — |
| Free cash flow | — | — | — | — | — |
Figures as reported to the SEC. Underlined values link to the filing they came from; dotted values are calculated by us from reported figures; “adj” means restated for a stock split (hover to see the figure as filed). Full details: where the numbers come from.
Quarterly trend (as reported)
| Quarter | Revenue | Revenue YoY | Net income | Diluted EPS |
|---|---|---|---|---|
| Q2 FY2026 | $2.28B | 12.1% | $587.0M | $1.30 |
| Q1 FY2026 | $2.17B | 12.0% | $517.0M | $1.13 |
| Q4 FY2025 | $2.16B | 8.6% | $528.0M | $1.22 |
| Q3 FY2025 | $2.12B | 11.4% | $494.0M | $1.05 |
| Q2 FY2025 | $2.04B | 3.8% | $436.0M | $0.92 |
| Q1 FY2025 | $1.94B | -1.2% | $373.0M | $0.77 |
| Q4 FY2024 | $1.99B | -0.1% | $401.0M | $0.90 |
| Q3 FY2024 | $1.90B | -5.6% | $382.0M | $0.77 |
Latest 8 reported quarters, from company XBRL filings on SEC EDGAR.
Company facts
Selected SEC filings
Largest bank peers
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Data sourced from SEC EDGAR. Figures are as-reported and may be unaudited or restated; verify against the source filing before relying on them. Informational only. Not investment advice.