CFG - NYSE
Citizens Financial Group, Inc.
$61.53
-1.3%Citizens Financial Group, Inc. operates as the bank holding company for Citizens Bank, National Association that provides retail and commercial banking products and services to individuals, small businesses, middle-market companies, corporations, and institutions in the United States. The company operates in two segments, Consumer Banking and Commercial Banking. The Consumer Banking segment offers deposit products, mortgage and home equity lending products, credit cards, business loans, wealth management, and investment services; and auto, education, and point-of-sale finance loans, as well as digital deposit products. This segment serves its customers through telephone service centers, as well as through its online and mobile platforms. The Commercial Banking segment provides various financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange, and interest rate and commodity risk management solutions, as well as syndicated loans, corporate finance, mergers and acquisitions, and debt and equity capital markets services. This segment serves government banking, not-for-profit, healthcare, technology, professionals, oil and gas, asset finance, franchise finance, asset-based lending, commercial real estate, private equity, and sponsor finance industries. It operates approximately 1,200 branches in 14 states and the District of Columbia; 114 retail and commercial non-branch offices in national markets; and approximately 3,300 automated teller machines. The company was formerly known as RBS Citizens Financial Group, Inc. and changed its name to Citizens Financial Group, Inc. in April 2014. Citizens Financial Group, Inc. was founded in 1828 and is headquartered in Providence, Rhode Island.
At a Glance
Live SnapshotCitizens Financial Group, Inc. Profit Bridge
Profitability Analysis
Gross Margin
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Operating Margin
Healthy operating margins demonstrate effective cost control and strong business fundamentals.
Net Profit Margin
Strong net margins indicate efficient operations and favorable tax/interest management.
Effective Tax Rate
Moderate tax rate typical for most corporations. Represents standard tax burden on profits.
Profitability Insight
Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.
Citizens Financial Group, Inc. Income Statement
CFG • NYSE
| Citizens Financial Group, Inc. Income Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
REVENUE | |||||||||||||||
11.1B | 12.3B | 12.2B | 9.1B | 7B | 7.7B | 8.1B | 7.4B | 6.5B | 5.8B | 5.3B | 5.1B | 5.1B | 5.5B | 5.9B | |
GROSS PROFIT | |||||||||||||||
(3.4B) | (5.2B) | (4.7B) | (1.5B) | -72M | (2.4B) | (2B) | (1.6B) | (1.1B) | (877M) | (754M) | (682M) | (922M) | (1B) | (1.8B) | |
7.8B | 7.1B | 7.5B | 7.5B | 7.1B | 5.3B | 6.1B | 5.8B | 5.4B | 4.9B | 4.5B | 4.4B | 4.2B | 4.5B | 4.1B | |
OPERATING INCOME | |||||||||||||||
(5.4B) | (5.2B) | (5.5B) | (4.9B) | (4.1B) | (4B) | (3.8B) | (3.6B) | (3.5B) | (3.4B) | (3.3B) | (3.1B) | (7.7B) | (3.5B) | (3.4B) | |
(3.1B) | (3B) | (3B) | (2.8B) | (2.3B) | (2.3B) | (2.1B) | (2.1B) | (2B) | (1.9B) | (1.9B) | (1.9B) | (1.8B) | (1.9B) | (1.8B) | |
2.3B | 1.9B | 2B | 2.7B | 3B | 1.3B | 2.3B | 2.2B | 1.9B | 1.5B | 1.3B | 1.3B | -3.5B | 1B | 778M | |
PRE-TAX INCOME | |||||||||||||||
(3.8B) | (4.6B) | (4B) | (1B) | (339M) | (771M) | (1.6B) | (1.2B) | (747M) | (508M) | (452M) | (363M) | (443M) | (619M) | (884M) | |
5.9B | 5.6B | 6.2B | 6B | 4.5B | 4.6B | 4.6B | 4.5B | 4.2B | 3.8B | 3.4B | 3.3B | 3.1B | 3.2B | 3.3B | |
(2.4B) | (2.2B) | (2.6B) | (2.1B) | (1.8B) | (1.7B) | (1.7B) | (1.5B) | (1.5B) | (1.4B) | (1.4B) | (1.2B) | (5.9B) | (1.5B) | (1.5B) | |
2.3B | 1.9B | 2B | 2.7B | 3B | 1.3B | 2.3B | 2.2B | 1.9B | 1.5B | 1.3B | 1.3B | -3.5B | 1B | 778M | |
NET INCOME | |||||||||||||||
(497M) | (379M) | (422M) | (582M) | (658M) | (241M) | (460M) | (462M) | (260M) | (489M) | (423M) | (403M) | -42M | (381M) | (272M) | |
1.8B | 1.5B | 1.6B | 2.1B | 2.3B | 1.1B | 1.8B | 1.7B | 1.7B | 1B | 840M | 865M | -3.4B | 643M | 506M |
SEC Filings
CFG - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
10-Q 10-Q 2026 Q1 Q1 | May 04, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 24, 2026 | April 23, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 16, 2026 | April 16, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | March 09, 2026 | April 23, 2026 | 2026 | |
10-K 10-K 2025 FY FY | February 12, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | January 29, 2026 | January 29, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 22, 2026 | January 22, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 21, 2026 | January 21, 2026 | 2026 | |
10-Q 10-Q 2025 Q3 Q3 | November 03, 2025 | September 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | October 15, 2025 | October 15, 2025 | 2025 |
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