Every 8-K that Citizens Financial Group, Inc. (CFG) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 8-K covers material events a company has to report between its quarterly reports, so if you follow CFG and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full CFG filings page.
Citizens Financial Group reported strong second-quarter 2026 results, with diluted EPS of $1.30 and net income of $587 million, up 41% and 35% year over year, respectively. Total revenue was $2.28 billion, up 12%, driven by 14% higher net interest income and 9% higher noninterest income.
Pre-provision profit reached $889 million, up 24% year over year, while net interest margin on a fully taxable-equivalent basis improved to 3.17%. Period-end loans grew to $147.5 billion and deposits to $185.6 billion. Credit quality remained favorable, with net charge-offs at 0.37% and nonaccrual loans at 0.97% of loans.
The company maintained solid capital and shareholder returns, with a CET1 ratio of 10.4%, tangible book value per share of $38.29, total capital returned to shareholders of $422 million, and a quarterly common dividend of $0.46 per share. Citizens also launched a proposed public offering of Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series J, and intends, if the offering prices and closes, to use net proceeds to redeem some or all of its 4.000% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series G, on October 6, 2026, subject to market conditions and other considerations.
Citizens Financial Group reported strong second quarter 2026 results, with net income of $587 million, up 35% year-over-year, and diluted EPS of $1.30, up 41% year-over-year and 15% sequentially. Total revenue was $2.283 billion, up 12% year-over-year, as net interest income rose 14% and noninterest income 9%. Pre-provision profit reached $889 million, up 24% year-over-year, delivering positive operating leverage of 6.4%.
Asset growth remained solid, with period-end loans and leases of $147.5 billion and deposits of $185.6 billion, both up 6% year-over-year. Credit quality was favorable: the net charge-off ratio was 0.37% and nonaccrual loans were 0.97% of loans, while the allowance for credit losses was 1.48% of loans and 152% of nonaccruals. Capital stayed robust with a CET1 ratio of 10.4% and tangible book value per share of $38.29, up 9% year-over-year. Citizens declared a quarterly common dividend of $0.46 per share and returned $422 million to shareholders through dividends and buybacks in the quarter.
Citizens Financial Group, Inc. reported results of its 2026 Annual Meeting of Stockholders held on April 23, 2026. Stockholders elected all director nominees to one-year terms, with each candidate receiving over 336 million votes in favor.
Stockholders approved the advisory vote on executive compensation, with 327,158,449 votes for and 30,630,016 against. They also ratified Deloitte & Touche LLP as registered independent public accounting firm for 2026, supported by 355,450,674 votes for. A shareholder proposal to adopt a majority voting standard was not approved, receiving 36,243,037 votes for and 321,379,352 against.
Citizens Financial Group reported a strong start to 2026, with first quarter net income of $517 million, up 39% from a year ago, and diluted EPS of $1.13, up 47%. Total revenue rose 12% year over year to $2.17 billion, driven by higher net interest income and solid fee growth in capital markets and wealth management.
Net interest income reached $1.56 billion, up 12%, as the fully taxable-equivalent net interest margin expanded to 3.14%. Credit quality improved, with net charge-offs at 0.39% of average loans versus 0.58% a year ago and nonaccrual loans down 5%. The allowance for credit losses covered 1.52% of loans.
Loans and leases grew 4% year over year to $143.7 billion, led by commercial lending and the Private Bank, while deposits increased 4% to $184.0 billion, including Private Bank deposits of $16.6 billion. Capital remained robust, with a CET1 ratio of 10.5% and tangible book value per share of $37.94. The board declared a quarterly common dividend of $0.46 per share and the company repurchased $300 million of common stock in the quarter.
Citizens Financial Group, Inc. completed an Offering of $400 million aggregate principal amount of 5.299% Fixed-Reset Subordinated Notes due 2036. These Notes were sold under an existing Form S-3 Registration Statement using a Prospectus, Prospectus Supplement and a free writing prospectus.
The Notes pay interest semi-annually at 5.299% per annum from issuance to, but excluding, January 29, 2031, then reset to the Five-Year U.S. Treasury Rate plus 1.450% until maturity. Citizens intends to use the net proceeds for general corporate purposes, which may include share repurchases, dividends, debt repayment or reduction, subsidiary funding, capital expenditures, working capital and acquisitions.
Citizens Financial Group, Inc. (CFG) filed a Form 8-K to note that it announced its fourth quarter and full year 2025 earnings on January 21, 2026. The filing itself does not include detailed financial results but instead attaches the company’s earnings release and a separate financial supplement as exhibits.
The earnings press release is provided as Exhibit 99.1, and the financial supplement with additional data is provided as Exhibit 99.2. Together, these documents are intended to give investors a comprehensive view of Citizens’ performance for the final quarter of 2025 and the full year.
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.
Citizens Financial Group (CFG) furnished materials for its third quarter 2025 results. The company posted a press release and financial supplement, and shared an investor presentation in connection with its earnings call. These items were provided as Exhibits 99.1, 99.2, and 99.3.
The information was furnished under Items 2.02 and 7.01 and is not deemed filed under the Exchange Act, nor incorporated by reference under the Securities Act.
Citizens Financial Group announced a leadership change in its commercial banking business. Ted Swimmer, previously head of capital markets and advisory for Citizens Commercial Banking, has been named Head of Commercial Banking, effective immediately.
Swimmer is a 30-year banking industry veteran who joined the company in 2010 and has served on its Executive Committee since 2018. He succeeds Don McCree, who will remain with the company as Chair of Commercial Banking until his planned retirement at the end of March 2026. The announcement was detailed in a press release attached as an exhibit to the report.
Citizens Financial Group, Inc. updated its corporate charter following the redemption of its 5.650% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series F. On October 6, 2025, the company filed a Certificate of Elimination in Delaware to remove all provisions relating to the Series F preferred stock from its Restated Certificate of Incorporation after all outstanding Series F shares were redeemed the same day.
The company also filed a new Restated Certificate of Incorporation on October 6, 2025 that reflects the elimination of the Series F preferred stock and integrates the previously filed Certificate of Designations for its 6.500% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series I. Copies of these charter documents are included as exhibits to the report.
Citizens Financial Group announced that Aunoy Banerjee will join as Executive Vice President and Chief Financial Officer, replacing the current CFO who will depart in mid-August. Mr. Banerjee, a 25-year financial services veteran most recently serving as CFO of Barclays Bank PLC, will assume responsibility for Financial Planning and Analysis, Business Line Finance, Controller, Investor Relations, Treasury, Tax, Capital Management, and Property & Procurement.
He will start on October 24, 2025 and his employment agreement (entered August 6, 2025) provides a $700,000 base salary, $3,700,000 guaranteed 2025 incentive (reduced by any role-based allowance from his prior employer), and a buy-out award valued at approximately $5,000,000 paid in cash and restricted stock units vesting over four years. The company named an interim CFO to cover the period between departures, and Mr. Banerjee’s contract includes standard severance, change-of-control protections and restrictive covenants.
On 22 Jul 2025 Citizens Financial Group (NYSE:CFG) filed an 8-K announcing a proposed public offering of a new Series I Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock. Pricing has not yet occurred and the offering may be withdrawn.
If completed, CFG intends to use the net proceeds to redeem some or all of its outstanding 5.650% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series F, on the 6 Oct 2025 dividend date. Replacing the higher-coupon Series F with the new Series I could lower funding costs and improve capital efficiency, but execution, final size, coupon and timing remain subject to market conditions. No financial metrics were provided in this filing; Q2-25 earnings and a financial supplement were previously furnished as Exhibits 99.1 and 99.2.