FirmAtlas
Company handbook · CFG · Prepared by FirmAtlas · firmatlas.app · printed 2026-10-16
CFG · CIK 759944 · LATEST FILING: 10-Q JUN '26 · FILED AUG 3, 2026
CITIZENS FINANCIAL GROUP INC/RI
$63.36
−0.07 (−0.11%)
Close, Oct 16, 2026 · 52-week $48–75
Last fiscal year
CITIZENS FINANCIAL GROUP INC/RI reported revenue of $8.2B for the year ended Dec 31, 2025 (FY25), up 5.6% from FY24. Net income was $1.8B. Source: 10-K filed Feb 12, 2026.
Market cap
$27.2B
P/E
12.8
P/B
1.0
Div yield
2.90%
ROTCE
7.2%
Revenue 1Y
5.6%/yr
EPS 1Y
27.4%/yr
Shares 1Y
−3%
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Median
Daily closes, split-adjusted · ratios at each fiscal year end
Company
CEOBruce Van Saun
HQProvidence, RI
AuditorDeloitte & Touche LLP
Employees17,398
Year endsDecember
Compounded growth & averages
10Y
5Y
3Y
TTM
Share price
9.8%
5.7%
33.7%
30.9%
Upgrade to see 10 years
Share price: yearly compound rate of the traded close; the last column is the past year.
Where the earnings went · FY24–FY25
$3.3B net income
Dividends
$1.5B
45.6%
Buybacks
$1.6B
49.4%
Retained
$166M
5.0%
Growth engines
How much of the profit growth came from new investment, and how much from running the business better.
Upgrade to see 10 years
Financials
Last 2 years · Upgrade to see 10 years · USD millions · each year opens its 10-K · change vs previous year
Last 4 quarters · USD millions · quarter-end month shown · change vs same quarter a year earlier
TTM = the last four quarters, to Jun '26. Balance-sheet rows show that latest quarter. “—” where the quarters do not add up to the annual figures. No TTM for cash: our quarterly rows do not hold short-term investments yet, and annual cash includes them.
Income
Total revenue
7,809
8,247+5.6%
8,726
YoY
+5.6%
Interest income
10,186
9,663−5.1%
—
Interest expense
4,553
3,810−16.3%
—
Net interest income
5,633
5,853+3.9%
6,218
Non-interest income
2,176
2,394+10.0%
—
Provision for credit losses
709
566−20.2%
—
NII after provision
4,924
5,287+7.4%
—
Non-interest expense
5,234
5,311+1.5%
—
Pre-tax income
1,888
2,328+23.3%
—
Net income
1,509
1,831+21.3%
2,126
YoY
+21.3%
EPS (diluted, $)
3.03
3.86+27.4%
4.71
YoY
+27.4%
Balance sheet
Total assets
217,521
226,351+4.1%
233,836
Cash & securities
10,601
12,727+20.1%
—
Gross loans & leases
139,203
142,692+2.5%
—
Less allowance for credit losses
(2,061)
(1,943)n/m
—
Other assets
69,778
72,875+4.4%
—
Total liabilities
193,267
200,034+3.5%
207,653
Deposits
174,776
183,313+4.9%
—
Borrowings
12,401
11,282−9.0%
16,349
Other liabilities
6,090
5,439−10.7%
—
Shareholders’ equity
24,254
26,317+8.5%
26,183
Tangible common equity
24,254
26,317+8.5%
—
Shares outstanding (M)
441
429−2.6%
—
Total liabilities = total assets − shareholders’ equity, so it includes minority interest where a company has one.
Where the earnings went
Income
Sep '25
Dec '25
Mar '26
Jun '26
Total revenue
2,118
2,157
2,168
2,283
vs year-ago quarter
Net interest income
1,488
1,537
1,562
1,631
Non-interest income
630
620
606
652
Net income
494
528
517
587
vs year-ago quarter
EPS (diluted, $)
1.05
1.23
1.13
1.30
vs year-ago quarter
Balance sheet
Sep '25
Dec '25
Mar '26
Jun '26
Total assets
222,747
226,351
227,918
233,836
Cash & due from banks
11,650
12,727
12,330
12,760
Borrowings
10,655
11,282
12,314
16,349
Shareholders’ equity
25,829
26,317
26,172
26,183