CITIZENS FINANCIAL GROUP INC/RI CFG

Financials SIC 6022 - State Commercial Banks NAICS Finance and Insurance › Credit Intermediation and Related Activities › Depository Credit Intermediation › Commercial Banking derived NYSE

Citizens Financial Group, Inc. is headquartered in Providence, Rhode Island. We offer a broad range of retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations, and institutions. Our products and services are offered through more than 1,000 branches in 14 states and the District of Columbia and 75 retail and commercial non-branch offices, though certain lines of business serve national markets.

At December 31, 2025, we had total assets of $226.4 billion, total deposits of $183.3 billion, and total stockholders' equity of $26.3 billion. In addition, we had total client assets of $61.9 billion, including assets under management of $35.9 billion, representing assets for which continuous and regular supervisory or management services are provided, and transactional assets of $26.0 billion, representing assets for which execution, custody, recordkeeping, reporting, and other services are provided.

Last close 65.14 2026-10-23
Market cap $27.44B 2026-06-30 share count
52-week range 49.00 - 75.33

Valuation FY2025 figures against the last close

P/S16.8x
P/E16.9x
P/FCF12.4x
EV/EBITDA—
Dividend yield2.8%
Diluted EPS3.86

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $1.64B$1.53B$1.27B$1.30B$1.32B$1.08B$1.17B$6.13B$5.71B$5.25B
Interest expense $5.85B$5.63B$6.24B$6.01B$339.0M$771.0M$1.57B$1.23B$747.0M$508.0M
Pre-tax income $2.33B$1.89B$2.03B$2.65B$2.98B$1.30B$2.25B$2.18B$1.91B$1.53B
Income tax $497.0M$379.0M$422.0M$582.0M$658.0M$241.0M$460.0M$462.0M$260.0M$489.0M
Net income $1.83B$1.51B$1.61B$2.07B$2.32B$1.06B$1.79B$1.72B$1.65B$1.04B
EPS, basic 3.903.053.144.125.182.223.823.543.261.97
EPS, diluted 3.863.033.134.105.162.223.813.523.251.97
Shares, diluted (wtd. avg.) 436.9M453.5M476.7M477.8M427.4M428.2M451.2M480.4M503.7M523.9M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $12.73B$10.60B$11.63B$10.55B$9.16B$12.73B$3.39B$4.07B$3.03B$3.70B
Property, plant and equipment $915.0M$875.0M$895.0M$844.0M$768.0M$759.0M$761.0M$791.0M$685.0M$601.0M
Goodwill $8.19B$8.19B$8.19B$8.17B$7.12B$7.05B$7.04B$6.92B$6.89B$6.88B
Other intangibles $115.0M$146.0M$157.0M$197.0M$64.0M$58.0M$68.0M$31.0M$2.0M—
Total assets $226.35B$217.52B$221.96B$226.73B$188.41B$183.35B$165.73B$160.52B$152.34B$149.52B
Short-term debt $58.0M$0$505.0M$3.0M$74.0M$243.0M$274.0M$1.32B$2.67B$4.36B
Long-term debt $11.22B$12.40B$13.47B$15.89B$6.93B$8.35B$14.05B$15.93B$11.77B$12.79B
Total liabilities $200.03B$193.27B$197.62B$203.04B$164.99B$160.68B$143.53B$139.70B$132.07B$129.77B
Retained earnings $11.35B$10.41B$9.82B$9.16B$7.98B$6.45B$6.50B$5.38B$4.16B$2.70B
Total equity $26.32B$24.25B$24.34B$23.69B$23.42B$22.67B$22.20B$20.82B$20.27B$19.75B

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $2.21B$2.00B$2.96B$4.12B$2.27B$111.0M$1.70B$1.77B$1.88B$1.49B
Depreciation and amortisation $478.0M$498.0M$478.0M$565.0M$625.0M$578.0M$633.0M$486.0M$487.0M$515.0M
Capital expenditure ——————$126.0M$232.0M$253.0M$138.0M
Investing cash flow -$5.97B$2.99B$5.25B-$12.64B-$10.49B-$6.14B-$3.88B-$7.08B-$3.98B-$11.33B
Financing cash flow $5.88B-$6.01B-$7.13B$9.91B$4.64B$15.37B$1.49B$6.35B$1.43B$10.46B
Dividends paid $755.0M$769.0M$808.0M$779.0M$670.0M$672.0M$617.0M$471.0M$322.0M$241.0M
Buybacks $600.0M$1.05B$906.0M$153.0M$295.0M$270.0M$1.22B$1.02B$820.0M$430.0M

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0000759944-26-000028.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. 0 2B 4B 6B 8B Revenue, FY2016: 5.3B Net income, FY2016: 1B Revenue, FY2017: 5.7B Net income, FY2017: 1.7B Revenue, FY2018: 6.1B Net income, FY2018: 1.7B Revenue, FY2019: 1.2B Net income, FY2019: 1.8B Revenue, FY2020: 1.1B Net income, FY2020: 1.1B Revenue, FY2021: 1.3B Net income, FY2021: 2.3B Revenue, FY2022: 1.3B Net income, FY2022: 2.1B Revenue, FY2023: 1.3B Net income, FY2023: 1.6B Revenue, FY2024: 1.5B Net income, FY2024: 1.5B Revenue, FY2025: 1.6B Net income, FY2025: 1.8B FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $5.25B $5.71B $6.13B $1.17B $1.08B $1.32B $1.30B $1.27B $1.53B $1.64B
Gross profit — — — — — — — — — —
Net income $1.04B $1.65B $1.72B $1.79B $1.06B $2.32B $2.07B $1.61B $1.51B $1.83B

Recent filings and events

  • Shareholder rights changed The terms attaching to the shares themselves have changed. Item 3.03
  • Charter or fiscal year changed A change to the company's governing documents, or to when its year ends. Item 5.03
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Other event Item 8.01
  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Results announced Item 2.02
  • Regulation FD disclosure Item 7.01
  • Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K
  • Other event Item 8.01
  • Other event Item 8.01

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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