Citizens Financial (NYSE: CFG) shares Q4 and full-year 2025 earnings deck

Rhea-AI Filing Summary

Citizens Financial Group, Inc. furnished materials related to its fourth quarter and full year 2025 earnings. The company issued a press release announcing its results and posted both the release and a detailed financial supplement on its website, which are included as Exhibits 99.1 and 99.3. It also provided an investor presentation for its earnings conference call as Exhibit 99.2. These materials are supplied for information purposes only and are designated as furnished, not filed, under the securities laws.

8-K Event Classification

3 items: 2.02, 7.01, 9.01

3 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Understanding 8-K Material Events →

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d)

OF THE SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): January 21, 2026

 (Exact name of the registrant as specified in its charter)

Delaware						001-36636			05-0412693
(State or Other Jurisdiction of Incorporation)						(Commission File Number)			(I.R.S. Employer Identification Number)
One Citizens Plaza
Providence,			RI						02903
(Address of principal executive offices)									(Zip Code)

Registrant’s telephone number, including area code: (203) 900-6715

Not Applicable

(Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class			Trading symbol(s)			Name of each exchange on which registered
Common stock, $0.01 par value per share			CFG			New York Stock Exchange
Depositary Shares, each representing a 1/40th interest in a share of 5.000% Fixed-Rate Non-Cumulative Perpetual Preferred Stock, Series E			CFG PrE			New York Stock Exchange
Depositary Shares, each representing a 1/40th interest in a share of 7.375% Fixed-Rate Non-Cumulative Perpetual Preferred Stock, Series H			CFG PrH			New York Stock Exchange
Depositary Shares, each representing a 1/40th interest in a share of 6.500% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series I			CFG PrI			New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 under the Securities Act (17 CFR 230.405) or Rule 12b-2 under the Exchange Act (17 CFR 240.12b-2).

Emerging growth company  ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.  ☐

Item 2.02   Results of Operations and Financial Condition.

On January 21, 2026, Citizens Financial Group, Inc. (the “Company”) issued a press release announcing its fourth quarter and full year 2025 earnings and posted on its website the press release and a financial supplement. Copies of the press release and financial supplement are being furnished as Exhibits 99.1 and 99.3, respectively.

Item 7.01 Regulation FD Disclosure.

For the benefit of investors, the Company has posted on its website an investor presentation in connection with its earnings conference call. A copy of the investor presentation is being furnished as Exhibit 99.2.

The information in this Form 8-K and Exhibits attached hereto are being furnished pursuant to Items 2.02 and 7.01, respectively, and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, nor shall this information be deemed incorporated by reference into any filings under the Securities Act of 1933, as amended.

Item 9.01   Financial Statements and Exhibits.

			Exhibit Number						Description
(d)			Exhibit 99.1						Citizens Financial Group, Inc. press release dated January 21, 2026
			Exhibit 99.2						Citizens Financial Group, Inc. earnings release presentation issued January 21, 2026
			Exhibit 99.3						Citizens Financial Group, Inc. financial supplement for fourth quarter and full year 2025
			Exhibit 104						Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

 

CITIZENS FINANCIAL GROUP, INC.
By:						/s/ Aunoy Banerjee
						Aunoy Banerjee
						Executive Vice President and Chief Financial Officer

Date:  January 21, 2026

FAQ

What did Citizens Financial Group (CFG) disclose in this Form 8-K?

Citizens Financial Group, Inc. furnished a press release, financial supplement, and investor presentation related to its fourth quarter and full year 2025 earnings, making these materials available to investors.

Which earnings period does this Citizens Financial Group (CFG) filing cover?

The materials described relate to Citizens Financial Group, Inc.’s fourth quarter and full year 2025 earnings.

What exhibits are attached to this Citizens Financial Group (CFG) 8-K?

The filing includes Exhibit 99.1 (press release), Exhibit 99.2 (earnings release presentation), Exhibit 99.3 (financial supplement for fourth quarter and full year 2025), and Exhibit 104 (cover page interactive data file).

Are the Citizens Financial Group (CFG) earnings materials considered filed with the SEC?

No. The company states that the information in this Form 8-K and the attached exhibits is being furnished under Items 2.02 and 7.01 and is not deemed filed for purposes of Section 18 of the Exchange Act or incorporated by reference into Securities Act filings.

Where can investors access Citizens Financial Group (CFG) earnings materials mentioned in the 8-K?

The company notes that the press release, financial supplement, and investor presentation have been posted on its website, in addition to being furnished as exhibits to this Form 8-K.

What SEC items does this Citizens Financial Group (CFG) 8-K relate to?

The report relates to Item 2.02, Results of Operations and Financial Condition, and Item 7.01, Regulation FD Disclosure.