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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

Revenue
$8.25B
Revenue growth (YoY)
5.6%
Net income
$1.83B
Diluted EPS
$3.86
Gross margin
Operating margin
Net margin
22.2%
FCF margin
ROE
7.0%
net income / fiscal-year-end equity
P/E
14.8×
trailing when available, otherwise FY EPS
Market cap
$28.71B
Long-term debt / equity
0.43×
non-current term debt only

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).

Net margin22.2%
21st percentile of 76
Revenue growth (YoY)+5.6%
17th percentile of 76
ROE7.0%
13th percentile of 76
P/E14.8×
81st percentile of 75
Long-term debt / equity0.43×
59th percentile of 38
Short interest5.39d
54th percentile of 75

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).

Conviction investors
3
+6 quant / multi-strat
Initiated / added
2
0 new, 2 added
Reduced / exited
8
7 trimmed, 1 exited
Combined position
$1.03B
reported long value
InvestorAs ofPosition valueSharesChange
AQR Capital ManagementquantQ2 2026$534.4M7.6MAdded
D. E. ShawquantQ2 2026$195.9M2.8MReduced
Citadel AdvisorsquantQ2 2026$190.0M2.7MReduced
Bridgewater AssociatesQ2 2026$59.4M847.9KAdded
Point72 Asset ManagementquantQ2 2026$24.4M347.6KReduced
Soros Fund ManagementQ2 2026$20.1M287.5KReduced
Two Sigma InvestmentsquantQ2 2026$6.1M86.6KReduced
Gotham Asset ManagementQ2 2026$1.0M14.7KReduced
Millennium ManagementquantQ2 2026$713,45310.2KReduced

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.

Buys (90d)
0
code P
Bought (90d)
code P value
Sells (90d)
1
$9.3M
Reported activity
Net selling
by $ value, 90d
Trade dateInsiderTypeSharesPriceValue
2026-07-24
filed 2026-07-28
VAN SAUN BRUCEChairman and CEOSell129.4K$72.07$9.3M
2026-05-12
filed 2026-05-14
Moosally MichelleChief Legal OfficerSell6.0K$62.16$376K
2025-06-02
filed 2026-08-17
Swift ChristopherDirectorBuy20$40.06$801
2024-02-06
filed 2026-08-17
Swift ChristopherDirectorBuy10$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.

Shares short
15.7M
settled 2026-08-14
Change vs prior
-17.9%
vs previous settlement
Days to cover
5.39
at avg daily volume
Avg daily volume
2.9M
FINRA reported
SettlementShares shortChangeDays to cover
2026-08-1415.7M-17.9%5.39
2026-07-3119.2M+18.1%3.96
2026-07-1516.2M+3.6%3.04
2026-06-3015.6M-2.5%3.29
2026-06-1516.0M+2.0%3.49
2026-05-2915.7M+10.5%3.97
2026-05-1514.2M-3.0%3.68
2026-04-3014.7M-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.

Total deposits
$186.9B
FDIC insured-bank
Uninsured deposits
46.6%
share of deposits
CET1 ratio
12.12%
regulatory capital
Net interest margin
3.22%
trailing
Efficiency ratio
61.4%
lower is better
Noncurrent loans
1.48%
of gross loans

Source: FDIC BankFind (Call Report). Bank-subsidiary figures, filed quarterly ~30 days after quarter-end.

Income statement (as reported)

 FY2025FY2024FY2023FY2022FY2021
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)

 FY2025FY2024FY2023FY2022FY2021
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)

 FY2025FY2024FY2023FY2022FY2021
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)

QuarterRevenueRevenue YoYNet incomeDiluted EPS
Q2 FY2026$2.28B12.1%$587.0M$1.30
Q1 FY2026$2.17B12.0%$517.0M$1.13
Q4 FY2025$2.16B8.6%$528.0M$1.22
Q3 FY2025$2.12B11.4%$494.0M$1.05
Q2 FY2025$2.04B3.8%$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

ExchangeNYSE
SectorFinancials
SIC industryState Commercial Banks
Latest annual periodFY2025 (ended December 31, 2025)
Latest reported quarterQ2 FY2026 (ended June 30, 2026)
Oldest indexed filing2019
SEC CIK759944

Selected SEC filings

10-K2026-02-12
View on EDGAR →
10-K2025-02-13
View on EDGAR →
10-Q2026-08-03
View on EDGAR →
10-Q2026-05-04
View on EDGAR →
10-Q2025-11-03
View on EDGAR →
10-Q2025-08-04
View on EDGAR →
8-K2026-07-31
View on EDGAR →
8-K2026-07-21
View on EDGAR →

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.