← Research LibraryThe BriefFY2025 10-K · headline figures audited against SEC data
Citizens improved earnings and cash flow as funding costs eased, while capital returns slowed and insider activity stayed sales-only.
The read at a glance✓ Audited against SEC data
- Fee growth — Selected fee revenue +6.7% to $1.64BOK
- Profitability — Net income +21.3% to $1.83BOK
- Spread income — NII $5.85B; NIM 2.97%OK
- Balance sheet — $226.4B assets; $183.3B depositsOK
- Capital — CET1 10.6%; buybacks $600MNote
- Insiders — 0 buys / 2 sellsWatch
- Credit — Provision $608M vs $687MOK
- Accounting — Bank screens not shownNote
Business
Citizens Financial Group is a Providence, Rhode Island-based bank holding company offering retail, private banking, wealth management, and commercial banking products. At December 31, 2025, it had $226.4B of assets, $183.3B of deposits, and $26.3B of stockholders' equity.
Where the revenue comes from
Fiscal 2025, as CITIZENS FINANCIAL GROUP INC/RI reports it. History and quarterly detail are in the app.
- Capital markets fees$485.0M
- Service charges and fees$442.0M
- Wealth fees$360.0M
- Card fees$335.0M
- Other banking fees$13.0M
Leadership changes
From CITIZENS FINANCIAL GROUP INC/RI's own filings, the day they're filed.
- Ted Swimmer · appointmenteff. 2025-10-07
- Brendan Coughlin · President · appointmenteff. 2025-04-30
- Bruce Van Saun · President · appointmenteff. 2025-04-24
Latest filings
- 10-Q · Quarterly report2026-08-03
- 8-K · Company announcement2026-07-31
- 8-K · Company announcement2026-07-21
- 8-K · Company announcement2026-07-16
- 10-Q · Quarterly report2026-05-04
In the full recordFree for 14 days
- What changed🔒
- Insider signal🔒
- Growth quality🔒
- Margins & accounting🔒
- Capital allocation🔒
- Real risks🔒
- The long arc🔒
- Company history🔒
- The filings, readable — with what changed vs the prior year highlighted🔒
- Full financial statements, industry-aware, sources cited throughout🔒
- Forensic score history & components — the trend, not one year🔒
- Ownership: insider buys/sells, clusters, activist stakes🔒
- Ana — ask about CITIZENS FINANCIAL GROUP INC/RI, every answer cited to the official filings🔒
Every figure comes from the company's filings, and analysis whose figures don't match SEC data is rejected before publication.
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