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Citizens Financial Group

Logo: Citizens Financial Group, Public domain, via Wikimedia Commons5

Eastern U.S. bank

Citizens Financial Group, Inc. is an American bank holding company, headquartered in Providence, Rhode Island. The company owns the bank Citizens Bank, N.A., which operates in the U.S. states of Connecticut, Delaware, Florida, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, and Virginia, as well as Washington, DC. Between 1988 and its 2014 initial public offering, Citizens was a wholly owned subsidiary of Royal Bank of Scotland (RBS).3 It employed about 17,400 people in 2025.1 Its revenue was $8 billion in 2022.1 It is part of The Royal Bank of Scotland.1 Its shares trade on NYSE under the symbol CFG.1 Wikipedia text CC BY-SA 4.0

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Last updated Oct 21, 2026.

Overview

1954Founded1

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  • TickerCFG on NYSE1
  • Industryeconomics of banking, financial sector, financial services1
  • HeadquartersProvidence1
  • Websitewww.citizensbank.com
  • Incorporated inDE6
  • Business address1 Citizens Plaza, Providence, Ri 029036
  • Filer categoryLarge accelerated filer6
  • Legal formBusiness Corporation4
  • LEI2138004JDDA4ZQUPFW654
  • StatusActive4
  • LEI statusLapsed (not renewed)4
  • Registered addressONE CITIZENS PLAZA, 02903 Providence, United States4
  • Registered withDivision Of Business Services (Rhode Island Office of the Secretary of State), 0000348284

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One Citizens Plaza north side
Photo: Kenneth C. Zirkel, CC BY-SA 3.0, via Wikimedia Commons9

Citizens Financial Group, Inc. is an American bank holding company, headquartered in Providence, Rhode Island. The company owns the bank Citizens Bank, N.A., which operates in the U.S. states of Connecticut, Delaware, Florida, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, and Virginia, as well as Washington, DC.3

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2025

112.0%Net margin10
6.7%Revenue growth, 202510
7.0%Return on equity10
0.43×Debt to equity10

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Products and services

Capital Markets Fees brought in 30% of the revenue Citizens Financial Group broke down this way in fiscal 2025.

  1. Capital Markets Fees$485.0M1030%up 9% from 2024
  2. Service Charges and Fees$442.0M1027%up 6% from 2024
  3. Wealth Fees$360.0M1022%up 22% from 2024
  4. Card Fees$335.0M1020%down 7% from 2024
  5. Other Banking Fees$13.0M101%down 13% from 2024
Products and services by year
Products and services202320242025
Capital Markets Fees$293.0M$445.0M$485.0M
Service Charges and Fees$409.0M$417.0M$442.0M
Wealth Fees$259.0M$294.0M$360.0M
Card Fees$291.0M$362.0M$335.0M
Other Banking Fees$14.0M$15.0M$13.0M

Business segments

Consumer Banking brought in 58% of the revenue Citizens Financial Group broke down this way in fiscal 2025.

  1. Consumer Banking$955.0M1058%up 10% from 2024
  2. Commercial Banking$680.0M1042%up 6% from 2024
Business segments by year
Business segments202320242025
Consumer Banking$783.0M$869.0M$955.0M
Commercial Banking$483.0M$639.0M$680.0M

Where the money goes

Where each dollar of revenue went, fiscal 2025

  • Income tax21¢$497.0M
  • Profit79¢$1.8B

Out of $1.6B in revenue.10

Where each dollar of operating cash went, fiscal 2025

  • Dividends paid34¢$755.0M
  • Share buybacks27¢$600.0M
  • Kept or used elsewhere39¢$856.0M

Out of $2.2B of cash from operations.10

Financial statements

Revenue1112131410$1.6B in 2025+40% since 2019
0$500.0M$1.0B$1.5B$2.0B2019: $1.2B$1.2B20192020: $1.1B$1.1B2020−8%2021: $1.3B$1.3B2021+23%2022: $1.3B$1.3B2022−2%2023: $1.3B$1.3B2023−3%2024: $1.5B$1.5B2024+21%2025: $1.6B$1.6B2025+7%
Net income1112131410$1.8B in 2025+2% since 2019
0$1.0B$2.0B$3.0B2019: $1.8B$1.8B20192020: $1.1B$1.1B2020−41%2021: $2.3B$2.3B2021+119%2022: $2.1B$2.1B2022−11%2023: $1.6B$1.6B2023−22%2024: $1.5B$1.5B2024−6%2025: $1.8B$1.8B2025+21%

Every line of the income statement as filed: the last 3 fiscal years, latest first.10

Period ending2025-12-312024-12-312023-12-31
Interest and fees on loans and leases$7.5B$7.9B$8.5B
Interest and fees on loans held for sale$105.0M$77.0M$102.0M
Investment securities$1.7B$1.7B$1.2B
Interest-bearing deposits in banks$367.0M$503.0M$451.0M
Total interest income$9.7B$10.2B$10.2B
Deposits$3.2B$3.8B$3.1B
Short-term borrowed funds$22.0M$15.0M$43.0M
Long-term borrowed funds$594.0M$713.0M$775.0M
Total interest expense$3.8B$4.6B$4.0B
Net interest income$5.9B$5.6B$6.2B
Provision (benefit) for credit losses$608.0M$687.0M$687.0M
Net interest income after provision (benefit) for credit losses$5.2B$4.9B$5.6B
Service charges and fees$444.0M$420.0M$410.0M
Capital markets fees$511.0M$467.0M$319.0M
Wealth fees$360.0M$294.0M$259.0M
Card fees$346.0M$368.0M$296.0M
Mortgage banking fees$233.0M$209.0M$242.0M
Foreign exchange and derivative products$156.0M$146.0M$183.0M
Letter of credit and loan fees$186.0M$175.0M$168.0M
Securities gains, net$22.0M$18.0M$28.0M
Other income$136.0M$79.0M$78.0M
Total noninterest income$2.4B$2.2B$2.0B
Salaries and employee benefits$2.8B$2.7B$2.6B
Equipment and software$783.0M$769.0M$756.0M
Outside services$633.0M$639.0M$687.0M
Occupancy$435.0M$447.0M$492.0M
Other operating expense$662.0M$722.0M$973.0M
Total noninterest expense$5.3B$5.2B$5.5B
Income before income tax expense$2.3B$1.9B$2.0B
Income tax expense$497.0M$379.0M$422.0M
NET INCOME$1.8B$1.5B$1.6B
Net income available to common stockholders$1.7B$1.4B$1.5B
Basic (in shares)433.2M shares450.7M shares475.1M shares
Diluted (in shares)436.9M shares453.5M shares476.7M shares
Basic earnings (in dollars per share)$3.90$3.05$3.14
Diluted earnings (in dollars per share)$3.86$3.03$3.13

Compare Citizens Financial Group with another company

Corporate structure

Citizens Financial Group sits at the top of its group. 5 entities, 2 countries on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of Citizens Financial Group

  • Capital World Investors Filed SCHEDULE 13G/A on Citizens Financial Group, latest Aug 12, 2026 (3 filings since Nov 13, 2024)
  • State Street Corporation Filed SCHEDULE 13G on Citizens Financial Group, latest Aug 7, 2026 (5 filings since Feb 10, 2022)
  • VANGUARD CAPITAL MANAGEMENT LLC Filed SCHEDULE 13G on Citizens Financial Group, latest Apr 29, 2026
  • VANGUARD GROUP INC Filed SCHEDULE 13G/A on Citizens Financial Group, latest Mar 26, 2026 (4 filings since Feb 9, 2022)
  • BlackRock Filed SCHEDULE 13G/A on Citizens Financial Group, latest Apr 17, 2025 (8 filings since Feb 1, 2022)
  • Capital International Investors Filed SC 13G/A on Citizens Financial Group, latest Nov 13, 2024 (4 filings since Feb 11, 2022)
  • Invesco Filed SC 13G on Citizens Financial Group, latest Nov 8, 2024 (2 filings since Jan 31, 2022)
  • Citizens Financial Group Providence, Rhode Island, United States
    • CFG Technology and Operations India Private Limited Subsidiary · India
    • Citizens Bank, National Association Subsidiary · Providence, Rhode Island, United States
      • CITIZENS PRIVATE WEALTH, LLC Subsidiary · Tarrytown, New York, United States
    • Citizens JMP Securities, LLC Subsidiary · San Francisco, California, United States

Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What Citizens Financial Group reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Computer equipment and software$2.7B10 Dec 31, 2025$2.5B10 Dec 31, 2024+8.0%
Property and equipment, before depreciation$1.7B10 Dec 31, 2025$1.7B10 Dec 31, 2024+3.0%
Accumulated depreciation$821.0M10 Dec 31, 2025$810.0M10 Dec 31, 2024+1.4%
Property and equipment, net$915.0M10 Dec 31, 2025$875.0M10 Dec 31, 2024+4.6%
Operating-lease assets (leased space)$958.0M10 Dec 31, 2025$869.0M10 Dec 31, 2024+10.2%

Investments

ItemLatestA year beforeChange
Equity securities at fair value$317.0M10 Dec 31, 2025$220.0M10 Dec 31, 2024+44.1%
Loans, net of allowance$140.7B10 Dec 31, 2025$137.1B10 Dec 31, 2024+2.6%
Deposits held (banks)$183.3B10 Dec 31, 2025$174.8B10 Dec 31, 2024+4.9%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$8.2B10 Dec 31, 2025$8.2B10 Dec 31, 20240%
Finite-lived intangibles, gross$298.0M10 Dec 31, 2025$294.0M10 Dec 31, 2024+1.4%
Accumulated amortization$183.0M10 Dec 31, 2025$148.0M10 Dec 31, 2024+23.6%
Finite-lived intangibles, net$115.0M10 Dec 31, 2025$146.0M10 Dec 31, 2024−21.2%

Properties, in its own words

We lease five operations centers in Boston, Medford, and Westwood, Massachusetts; Pittsburgh, Pennsylvania; and Glen Allen, Virginia. We own two principal operations centers in Johnston and East Providence, Rhode Island. At December 31, 2025, our subsidiaries owned and operated a total of 59 facilities and leased an additional 1,032 facilities. We believe our current facilities are adequate to meet our needs. See Note 5 and Note 7 in Item 8 for more information regarding our premises and equipment, and leases, respectively.

Item 2 of the 10-K filed Feb 12, 2026.19

The story

Citizens was established in 1828 as the High Street Bank in Providence, Rhode Island. In 1871, the Rhode Island legislature gave a second charter to establish the Citizens Savings Bank which eventually acquired its parent group to form Citizens Trust Company. The bank then expanded through Rhode Island, opening a total of 29 branches in that state. It established Citizens Financial Group as a holding company when the bank acquired The Greenville Trust Company in 1954.

In 1985, Citizens changed status from a mutual savings bank to a federal stock savings bank. Expansion into other states began with Massachusetts in 1986.

From Wikipedia’s article on Citizens Financial Group, shared under CC BY-SA 4.0.7

Leadership

Who has led Citizens Financial Group, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Saun Bruce Van2014–now

Chair

  1. Saun Bruce Van2014–2026
  2. Donald H. McCree Iii.2026–now

President

  1. Brendan Coughlin2026–now

Chief financial officer

  1. Eric W. Aboaf2015–2017
  2. John F. Woods2017–2025
  3. Christopher R. Emerson2025
  4. Aunoy Banerjee2025–now
197019801990200020102020
Board members and other officers (39)

Products and brands

  • financial services

Listed on Wikidata.1

Subsidiaries and ownership

Former owners and parents

Subsidiaries (Exhibit 21)

  • CFG Technology and Operations India Private Limited India8

From Wikidata.1 The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.

Acquisitions

In August 2018, Citizens completed its acquisition of Franklin American Mortgage in a deal valued at $511 Million, expanding its presence into Tennessee and Texas.

On May 26, 2021, Citizens entered into an agreement with HSBC Bank USA to purchase HSBC's retail operations on the East Coast. Under the agreement, Citizens would acquire approximately $9.0 billion in deposits and approximately $2.2 billion in loans.

In April 2022, Citizens completed the acquisition of 80 branches from HSBC in New York City, New Jersey, Pennsylvania, Washington, D.C., Maryland, Virginia, and Florida.

In July 2021, Citizens announced plans to acquire New Jersey–based bank holding company Investors Bancorp for $3.5 billion. Citizens took over more than 150 branches with the deal. As of February 2023, all Investors locations were rebranded as Citizens Bank.

From Wikipedia’s article on Citizens Financial Group, shared under CC BY-SA 4.0.7

Employees over time

  • 202517,3981

Former names

  • CITIZENS FINANCIAL GROUP INC/DEJul 1, 1999 to Feb 8, 20006

Timeline

  1. Oct 8, 20268-K Bylaws or fiscal year changed65
  2. Jul 31, 20268-K Change to shareholders' rights; Bylaws or fiscal year changed; Other events66
  3. Jul 21, 20268-K Other events67
  4. Jul 16, 20268-K Results of operations; Regulation FD disclosure68
  5. Apr 24, 20268-K Shareholder vote69
  6. Apr 16, 20268-K Results of operations; Regulation FD disclosure70
  7. Jan 29, 20268-K Other events71
  8. Jan 22, 20268-K Other events72
  9. Jan 21, 20268-K Results of operations; Regulation FD disclosure73
  10. Oct 15, 20258-K Results of operations; Regulation FD disclosure74
  11. Oct 7, 20258-K Executive or director change75
  12. Oct 6, 20258-K Bylaws or fiscal year changed76
  13. Sep 24, 2014Went public Listed on NYSE1
  14. Sep 23, 2014New chief executive Saun Bruce Van becomes CEO20
  15. 1988Acquired Acquired by The Royal Bank of Scotland1
  16. 1954Founded Founded1

Calendar

When it reported results

  1. Jul 16, 2026Reported quarterly or annual results68
  2. Apr 16, 2026Reported quarterly or annual results70
  3. Jan 21, 2026Reported quarterly or annual results73
  4. Oct 15, 2025Reported quarterly or annual results74
  5. Jul 17, 2025Reported quarterly or annual results77
  6. Apr 16, 2025Reported quarterly or annual results78
  7. Jan 17, 2025Reported quarterly or annual results79
  8. Oct 16, 2024Reported quarterly or annual results80

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

667 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 72 major events, 453 insider forms, 27 large holders, 95 other. The latest 20:

  1. Oct 8, 20268-K EDGAR
  2. Sep 3, 20264 EDGAR
  3. Aug 25, 20263 EDGAR
  4. Aug 17, 20264 EDGAR
  5. Aug 17, 20264 EDGAR
  6. Aug 17, 20264 EDGAR
  7. Aug 17, 20264 EDGAR
  8. Aug 17, 20264 EDGAR
  9. Aug 17, 20264 EDGAR
  10. Aug 17, 20264 EDGAR
  11. Aug 17, 20264 EDGAR
  12. Aug 17, 20264 EDGAR
  13. Aug 17, 20264 EDGAR
  14. Aug 17, 20264 EDGAR
  15. Aug 12, 2026SCHEDULE 13G/A EDGAR
  16. Aug 7, 202613F-HR EDGAR
  17. Aug 7, 2026SCHEDULE 13G EDGAR
  18. Aug 3, 202610-Q EDGAR
  19. Jul 31, 20268-K EDGAR
  20. Jul 28, 20264 EDGAR

The 667 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

15 open-market trades by officers, directors and large owners since October 2021: 6 buys and 9 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Jul 24, 2026VAN SAUN BRUCEChairman and CEOSale129,369$72.07$9.3MForm 4
May 12, 2026Moosally MichelleChief Legal OfficerSale6,050$62.16$376.1KForm 4
Mar 11, 2026LaMonica SusanChief Human Resources OfficerSale13,258$58.04$769.5KForm 4
Jun 2, 2025Swift ChristopherDirectorBuy20$40.06$801Form 4
Jul 25, 2024Read Craig JackControllerSale3,938$43.26$170.4KForm 4
Apr 19, 2024Read Craig JackControllerSale6,327$33.70$213.2KForm 4
Mar 5, 2024Read Craig JackControllerSale4,508$33.54$151.2KForm 4
Feb 6, 2024Swift ChristopherDirectorBuy10$31.47$315Form 4
Oct 27, 2023Lillis TerranceDirectorBuy1,000$22.87$22.9KForm 4
May 17, 2023Lillis TerranceDirectorBuy1,000$26.39$26.4KForm 4
Apr 21, 2023Subramaniam Shivan S.DirectorBuy3,300$28.79$95.0KForm 4
Feb 10, 2023Cummings KevinDirectorSale90,689$43.00$3.9MForm 4
Feb 7, 2023Cummings KevinDirectorSale81,151$44.40$3.6MForm 4
Dec 30, 2022Cummings KevinDirectorSale4,254$39.32$167.3KForm 4
Apr 26, 2022Lillis TerranceDirectorBuy1,000$41.31$41.3KForm 4

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025Bruce Van SaunChairman and Chief Executive Officer$1.5M$12.5M88
2025Brendan CoughlinPresident, Head of Consumer, Private Banking and Wealth$700.0K$5.1M88
2025Donald H. McCree IIIChair of Commercial Banking$700.0K$4.8M88
2025Aunoy BanerjeeExecutive Vice President and Chief Financial Officer$110.4K$4.7M88
2025Theodore SwimmerExecutive Vice President and Head of Commercial Banking$556.7K$4.2M88
2025John F. WoodsFormer Chief Financial Officer$457.7K$3.5M88
2025Christopher EmersonFormer Interim Chief Financial Officer$425.0K$1.1M88
2024Brendan CoughlinPresident, Head of Consumer, Private Banking and Wealth$691.3K$16.5M88
2024John F. WoodsFormer Chief Financial Officer$700.0K$10.7M88
2024Bruce Van SaunChairman and Chief Executive Officer$1.5M$10.6M88
2024Donald H. McCree IIIChair of Commercial Banking$700.0K$4.4M88
2023Bruce Van SaunChairman and Chief Executive Officer$1.5M$11.1M88
2023John F. WoodsFormer Chief Financial Officer$700.0K$4.5M88
2023Donald H. McCree IIIChair of Commercial Banking$700.0K$4.5M88
2023Brendan CoughlinPresident, Head of Consumer, Private Banking and Wealth$625.0K$3.5M88

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
BlackRock, Inc.48,737,629$3.4B0.1%+2,037,542
Vanguard Capital Management LLC26,906,653$1.9B0.0%+41,814
Capital World Investors23,269,185$1.6B0.2%−4,634,869
Invesco Ltd.22,154,682$1.6B0.1%−772,127
State Street Corp21,241,311$1.5B0.0%+978,979
Vanguard Portfolio Management LLC20,567,346$1.4B0.1%+641,583
Morgan Stanley12,264,969$859.4M0.0%−447,712
Geode Capital Management, LLC11,815,760$824.8M0.0%+5,290
Ninety One UK Ltd7,851,457$550.2M1.2%+1,083,233
Aqr Capital Management LLC7,626,834$534.4M0.2%+286,189
Nordea Investment Management Ab7,260,023$509.0M0.4%−63,162
Charles Schwab Investment Management Inc6,553,067$459.2M0.1%−126,416
Norges Bank5,926,803$415.3M0.0%New
Dimensional Fund Advisors LP4,778,809$334.9M0.1%+59,649
Victory Capital Management Inc4,597,926$322.2M0.2%+501,230
Northern Trust Corp4,516,395$316.5M0.0%+29,841
Goldman Sachs Group Inc4,204,080$294.6M0.0%−364,289
UBS Group AG4,166,727$292.0M0.0%+1,908,572
Amundi3,685,819$258.3M0.1%+875,666
Royal Bank Of Canada3,595,692$251.9M0.0%−439,257
UBS AM, a distinct business unit of UBS ASSET MANAGEMENT AMERICAS LLC3,293,426$230.8M0.0%−50,743
Bank Of America Corp /de/3,188,042$223.4M0.0%+505,748
Legal & General Group Plc2,957,527$207.2M0.0%+145,733
D. E. Shaw & Co., Inc.2,795,942$195.9M0.1%−161,619
Citadel Advisors LLC2,712,001$190.0M0.1%−1,174,354

13F reports cover disclosed long positions in U.S. stocks only.

Members of Congress who traded it

21 trades disclosed by members of Congress. “Vs S&P since” is the stock’s change since the trade minus the S&P 500’s.

DateMemberTradeAmountVs S&P sinceFiling
Apr 7, 2025Jefferson ShreveRepublican, HouseSale$15,001 - $50,000−28.8%Report
Jan 23, 2024Kathy Manning, HouseBuy$15,001 - $50,000+32.4%Report
Jan 23, 2024Kathy Manning, HouseBuy$1,001 - $15,000+32.4%Report
Jan 19, 2024Tommy TubervilleRepublican, SenateSale$15,001 - $50,000−34.4%Report
Dec 12, 2023Kathy Manning, HouseSale$1,001 - $15,000−49.9%Report
Dec 12, 2023Kathy Manning, HouseSale$15,001 - $50,000−49.9%Report
Dec 12, 2023Kathy Manning, HouseSale$1,001 - $15,000−49.9%Report
Jul 12, 2023Daniel S. GoldmanDemocratic, HouseSale$15,001 - $50,000−52.4%Report
Jun 12, 2023Tommy TubervilleRepublican, SenateBuy$1,001 - $15,000+53.2%Report
May 8, 2023Tommy TubervilleRepublican, SenateBuy$1,001 - $15,000+59.0%Report
Apr 28, 2023Kathy Manning, HouseBuy$1,001 - $15,000+19.2%Report
Apr 28, 2023Kathy Manning, HouseBuy$1,001 - $15,000+19.2%Report
Apr 10, 2023Daniel S. GoldmanDemocratic, HouseBuy$15,001 - $50,000+27.9%Report
Jul 27, 2022Kathy Manning, HouseBuy$1,001 - $15,000−22.7%Report
Jul 27, 2022Kathy Manning, HouseBuy$1,001 - $15,000−22.7%Report
Jul 27, 2022Kathy Manning, HouseBuy$1,001 - $15,000−22.7%Report
Mar 30, 2022Tommy TubervilleRepublican, SenateBuy$1,001 - $15,000−32.9%Report
Jan 15, 2021Kathy Manning, HousePartial sale$1,001 - $15,000+49.5%Report
Apr 2, 2020Dean Phillips, HouseBuy$1,001 - $15,000+57.2%Report
Apr 2, 2020Thomas R Carper, SenateSale$1,001 - $15,000−57.2%Report
Mar 18, 2020Gilbert Ray Cisneros, Jr.Democratic, HouseBuy$1,001 - $15,000+92.0%Report

Members report amounts as ranges, not exact figures. Returns are price-only (no dividends).

SEC filer profile

How Citizens Financial Group is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARCITIZENS FINANCIAL GROUP INC/RI2
  • CIK0000759944
  • Employer ID (EIN)05-041269319
  • Filer statusLarge accelerated filer not an emerging growth company; not a smaller reporting company; not a shell company19
  • Incorporated inDelaware19
  • Fiscal year endsDecember 312
  • Industry code (SIC)6022 State Commercial Banks2
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance2
  • Business address1 Citizens Plaza, Providence, RI 029032
  • Phone20390067152
  • Shares outstanding421,176,788 as of Jul 24, 202616
  • Public float$19.2B as of Jun 30, 202519
  • AuditorDeloitte & Touche LLP, Boston, Massachusetts PCAOB ID 34; it also attests to the company’s internal control over financial reporting19
  • On EDGAR sinceMay 14, 19992
  • Filings1,643 in all: 4 (940), 8-K (219), 13F-NT (60), 13F-HR (55), 3 (53), 10-Q (36), 424B2 (36), SC 13G/A (32)2
    All 46 form types

    FWP (22), DEFA14A (20), 144 (16), SC 13G (13), 10-K (12), CORRESP (12), DEF 14A (12), S-1/A (8), UPLOAD (7), EFFECT (6), 424B5 (5), 425 (5), 8-A12B (5), ARS (5), 13F-NT/A (4), 3/A (4), 4/A (4), 424B4 (4), CERT (4), S-1 (4), S-3ASR (4), S-8 (4), SCHEDULE 13G/A (4), 13F-HR/A (3), 424B7 (3), SCHEDULE 13G (3), 424B3 (2), 5 (2), 8-K/A (2), PRE 14A (2), S-1MEF (2), S-4 (2), S-4/A (2), 10-K/A (1), 10-Q/A (1), 25-NSE (1), CERTNYS (1), SC 13D (1)

  • Latest filingsAnnual report (10-K) Feb 12, 2026
    Quarterly report (10-Q) Aug 3, 2026
    Proxy statement (DEF 14A) Mar 9, 2026
    Latest 8-K (8-K) Oct 8, 2026

Securities registered for trading

ClassSymbolExchange
Common stock, $0.01 par value per shareCFGNew York Stock Exchange
Depositary Shares, each representing a 1/40th interest in a share of 5.000% Fixed-Rate Non-Cumulative Perpetual Preferred Stock, Series ECFG PrENew York Stock Exchange
Depositary Shares, each representing a 1/40th interest in a share of 7.375% Fixed-Rate Non-Cumulative Perpetual Preferred Stock, Series HCFG PrHNew York Stock Exchange
Depositary Shares, each representing a 1/40th interest in a share of 6.500% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series ICFG PrINew York Stock Exchange

From the cover page of the 10-K filed Feb 12, 2026 (Section 12(b) of the Exchange Act).19

Risk factors and legal proceedings

The risks Citizens Financial Group names in Item 1A of its 10-K filed Feb 12, 2026: 36 risks under these headings, as written.19

  • Risks Related to Our Business
  • We may not be able to successfully execute our business strategy.
  • Supervisory requirements and expectations on us as a financial holding company and a bank holding company and any regulator-imposed limits on our activities could adversely affect our ability to implement our strategic plan, expand our business, continue to improve our financial performance, and make capital distributions to our stockholders.
  • Inflationary pressures could have an adverse effect on our business, financial position, and results of operations.
  • Our ability to meet our obligations, and the cost of funds to do so, depend on our ability to access identified sources of liquidity at a reasonable cost.
  • Changes in interest rates may have an adverse effect on our liquidity and profitability.
  • We could fail to attract, retain, or motivate highly-skilled and qualified personnel, including our senior management, other key employees, or members of our Board, which could impair our ability to successfully execute our strategic plan and otherwise adversely affect our business.
  • A reduction in our credit ratings could have a material adverse effect on our business, financial condition, and results of operations.
  • Our financial performance may be adversely affected by deterioration in borrower credit quality.
  • Our framework for managing risks may not be effective in mitigating risk and loss.
  • Changes in our accounting policies or standards could materially affect how we report our financial results and condition.
  • Our financial and accounting estimates and risk management framework rely on analytical forecasting and models.
The other 25 risks
  • The preparation of our financial statements requires us to make subjective determinations and use estimates that may vary from actual results and materially impact our financial condition and results of operations.
  • Operational risks are inherent in our businesses.
  • The financial services industry, including the banking sector, continues to make technological enhancements to meet customer preferences, as well as meet legal and regulatory requirements, and we may not be able to compete effectively as a result of these changes.
  • We are subject to a variety of cybersecurity risks that, if realized, could adversely affect how we conduct our business.
  • We rely heavily on communications and information systems to conduct our business.
  • We rely on third parties for the performance of a significant portion of our information technology.
  • We are exposed to reputational risk and the risk of damage to our brands and the brands of our affiliates.
  • Unpredictable catastrophic events could have an adverse effect on our business, financial position, and results of operations.
  • The effects of geopolitical instability may adversely affect us and create significant risks and uncertainties for our business, with the ultimate impact dependent on future developments, which are highly uncertain and unpredictable.
  • Any deterioration in national economic and political conditions could have a material adverse effect on our business, financial condition, and results of operations.
  • Climate change manifesting as physical or transition risks could adversely affect our operations, businesses, and customers.
  • Risks Related to Our Industry
  • We operate in an industry that is highly competitive, which could result in losing business or margin declines and have a material adverse effect on our business, financial condition, and results of operations.
  • The conditions of other financial institutions or of the financial services industry could adversely affect our operations and financial condition.
  • Risks Related to Regulations Governing Our Industry
  • As a financial holding company and a bank holding company, we are subject to regulation that could have a material adverse effect on our business and results of operations.
  • Our regulators may impose restrictions or limitations on our operations.
  • The regulatory environment in which we operate continues to be subject to evolving regulatory requirements that could have a material adverse effect on our business and earnings.
  • We are subject to capital adequacy and liquidity standards, and if we fail to meet these standards our financial condition and operations would be adversely affected.
  • The Parent Company could be required to act as a “source of strength” to CBNA, which would have a material adverse effect on our business, financial condition, and results of operations.
  • The Parent Company depends on CBNA for substantially all of its revenue, and restrictions on dividends and other distributions by CBNA could affect its liquidity and ability to fulfill its obligations.
  • From time-to-time, we may become or are subject to regulatory actions that may have a material impact on our business.
  • We are and may be subject to litigation that may have a material impact on our business.
  • Compliance with anti-money laundering and anti-terrorism financing rules involves significant cost and effort.
  • Risks Related to our Common Stock
  • Our stock price may be volatile, and you could lose all or part of your investment as a result.
  • We may not repurchase shares or pay cash dividends on our common stock.
  • “Anti-takeover” provisions and the regulations to which we are subject may make it more difficult for a third party to acquire control of us, even if the change in control would be beneficial to stockholders.

Legal proceedings

Information required by this item is presented in Note 17 in Item 8 and is incorporated herein by reference.

The opening of Item 3, Legal Proceedings.19

Sources

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