Citizens Financial Group, Inc.'s SEC filings document results, governance and capital structure for a bank holding company with Consumer Banking and Commercial Banking segments. Its Form 8-K reports furnish quarterly and annual earnings releases, financial supplements and investor presentations, while Regulation FD disclosures cover materials used in earnings calls and other investor communications.
Citizens’ proxy and annual meeting filings cover director elections, advisory executive compensation votes, auditor ratification and shareholder voting matters. Capital-structure filings disclose common stock listed under CFG, depositary shares representing preferred stock series listed on the NYSE and debt financing activity, including registered offerings of subordinated notes under shelf registration statements.
Citizens Financial Group, Inc. (CFG) approved a change in its independent registered public accounting firm, selecting PricewaterhouseCoopers LLP (PwC) and dismissing Deloitte & Touche LLP (Deloitte). Deloitte’s dismissal takes effect after it completes the audits of the company’s financial statements for the fiscal year ended December 31, 2026, and internal control over financial reporting as of that date. PwC’s engagement for the fiscal year ending December 31, 2027, is subject to its standard client acceptance process and takes effect immediately following completion of Deloitte’s audit.
Deloitte’s audit reports for the fiscal years ended December 31, 2024 and 2025 contained no adverse or disclaimer of opinion and were not qualified or modified as to uncertainty, audit scope, or accounting principles. Citizens reported no disagreements or reportable events with Deloitte during those years or the subsequent interim period through October 28, 2026. It also reported no consultations with PwC on the specified accounting, auditing, or financial-reporting matters during that period.
Citizens Financial Group, Inc. reported net income of $636 million for the three months ended September 30, 2026, up $142 million year over year, and $1.7 billion for the nine months, up $437 million. Diluted earnings per share were $1.41 and $3.83, respectively. Net interest income rose $187 million and $552 million for the two periods, with net interest margins of 3.18% and 3.16%. The company attributed the increase to higher interest-earning assets, fixed-rate asset repricing, lower terminated-swap impacts and improved funding costs; provision expense fell $29 million and $72 million.
At September 30, 2026, deposits were $185.2 billion and loans and leases, excluding loans held for sale, were $148.227 billion. Total available liquidity was approximately $89.2 billion, comprising $70.1 billion in contingent liquidity and $19.1 billion in available discount-window capacity. In October, the board declared a $0.52 quarterly common dividend, 13% above the prior quarter, payable November 13, 2026, to shareholders of record October 30, 2026, and increased repurchase-program capacity to $1.95 billion. CFG repurchased $650 million of common stock during the nine months; future capital distributions are subject to board consideration and approval.
Citizens Financial Group (CFG), identified as the institutional investment manager, submitted a Form 13F combination report with 1,361 information-table entries valued at $8,578,091,909, rounded to the nearest dollar. The report lists Citizens Bank, National Association and Citizens Private Wealth, LLC as the two other included managers, and states that portions of the manager’s holdings are reported by other managers.
Citizens Financial Group (CFG) reported third-quarter 2026 net income of $636 million, up 29% year over year, and diluted earnings per share of $1.41, up 34%. Total revenue was $2.322 billion, up 10%, and net interest income was $1.675 billion, up 13%. Return on average tangible common equity was 15.1%, compared with 11.7% a year earlier. Net charge-offs were 0.37% of average loans and leases, versus 0.46%; the provision for credit losses was $125 million, compared with $154 million.
Tangible book value per common share was $35.78, down 6.6% from the prior quarter. Citizens attributed the decline to the negative impact of higher long-term rates on its investment securities and swap portfolios.
The board declared a quarterly common dividend of $0.52 per share, up $0.06, or 13%, from the prior quarter, payable November 13, 2026, to shareholders of record October 30, 2026. The board also increased common share repurchase program capacity to $1.95 billion, $1.3 billion above the $650 million of capacity remaining under the prior June 2025 authorization.
Citizens Financial Group, Inc. (CFG) filed a Certificate of Elimination effective upon filing on October 6, 2026, removing from its charter all matters set out in the Certificate of Designations for its 4.000% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series G. All outstanding Series G shares were redeemed on October 6, 2026.
CITIZENS FINANCIAL GROUP INC/RI (CFG) reported that Matthew Boss, its Head of Consumer Banking, had 10,778 shares of common stock delivered or withheld on September 1, 2026, as payment of exercise price or tax liability. The shares were valued at $68.87 per share, and he now holds 73,824 shares directly. No Rule 10b5-1 trading plan is reported.
CITIZENS FINANCIAL GROUP INC/RI (CFG) reported an initial insider ownership filing for executive Matthew Boss, who serves as Head of Consumer Banking. The filing lists a direct holding of 84,602 shares of CFG common stock. This Form 3 reports existing ownership and does not disclose any new buy or sell transaction.
Citizens Financial Group, Inc. (CFG) director Christine M. Cumming reported an acquisition of additional equity-based compensation. On 2026-08-13, she received 268.7510 shares of common stock in the form of restricted stock units credited to her account following the company’s dividend payment, under the Amended & Restated Citizens Financial Group, Inc. 2014 Non-Employee Directors Compensation Plan. Following this award, her directly held common stock position increased to 52,932.8890 shares. The Rule 10b5-1 checkbox was not marked as being pursuant to a trading plan.
CITIZENS FINANCIAL GROUP INC/RI director Michele N. Siekerka reported an acquisition of common stock on 2026-08-13. The filing shows a grant/award of 134.488 shares of common stock at a stated price of $0.00 per share, reflecting restricted stock units credited following the company’s dividend payment under the Amended & Restated Citizens Financial Group, Inc. 2014 Non-Employee Directors Compensation Plan.
After this award, Siekerka directly holds 66,456.162 common shares. The filing also reports indirect holdings of 6,102 shares held by an IRA, and 297 shares each held by a daughter and a son.
Leary Robert G reported acquisition or exercise transactions in this Form 4 filing.
CITIZENS FINANCIAL GROUP INC/RI reported that director Robert G. Leary received an automatic credit of 208.392 shares of common stock on 2026-08-13. These are restricted stock units credited to his account as dividend equivalents under the Amended & Restated Citizens Financial Group, Inc. 2014 Non-Employee Directors Compensation Plan. Following this award, he directly holds 33,782.057 shares of common stock.