Welcome to our dedicated page for Citizens Finl Group SEC filings (Ticker: CFG), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
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 reports stronger performance for the quarter and nine months ended September 30, 2025, with solid credit quality and robust capital and liquidity.
Net income reached $494 million for the quarter and $1.3 billion year-to-date, up $112 million and $195 million from 2024, as diluted EPS rose to $1.05 and $2.74. Net interest income grew to $1.5 billion in the quarter and $4.3 billion year-to-date, helped by lower funding costs and a higher net interest margin, which improved to 3.00% in the quarter on a fully taxable-equivalent basis.
Noninterest income increased to $630 million for the quarter, driven by higher wealth, mortgage banking, capital markets, and service charge fees. Credit costs eased, with provision expense down versus 2024 and nonaccrual loans declining to $1.5 billion, or 1.08% of loans. Capital remained strong, with a CET1 ratio of 10.7% and ROTCE of 11.75% for the quarter, while tangible book value per share rose 14% since year-end 2024. The company continued portfolio simplification through a $1.9 billion education loan sale, repurchased $475 million of common stock year-to-date, and issued $400 million of new Series I preferred stock while redeeming higher-cost Series F preferred.
Citizens Financial Group (CFG) reported an insider equity award. The Chief Financial Officer received 67,424 shares of common stock on 10/27/2025 at a price of $0, granted under the Amended and Restated Citizens Financial Group, Inc. 2014 Omnibus Incentive Plan. Following this transaction, the officer directly beneficially owned 67,424 shares.
Citizens Financial Group (CFG) filed a Form 3 initial beneficial ownership report for its Chief Financial Officer. The filing, dated 10/24/2025, states that no securities are beneficially owned. This is an administrative disclosure under Section 16 and does not reflect a transaction or change in ownership.
Citizens Financial Group (CFG) filed a Form 13F Combination Report listing institutional equity positions managed by the firm and certain affiliates. The filing reports a Form 13F Information Table Value Total of $7,300,615,203 and an Information Table Entry Total of 1,007.
The report lists 2 other included managers: Citizens Bank, National Association and Clarfeld Financial Advisors, LLC. This submission confirms the manager’s authorization and completeness representations and indicates portions of holdings are reported by other managers as part of the combination format.
Citizens Financial Group (CFG) filed a Form 3, the initial statement of beneficial ownership for a company insider. The reporting person, an officer serving as Head of Commercial Banking, reported ownership of 90,372 shares of common stock, held directly.
The event date was 10/07/2025. No derivative securities were listed, and the form was filed by one reporting person.
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 interim Chief Financial Officer Christopher R. Emerson reported ownership of 38,828 shares of Citizens Financial Group, Inc. (CFG) on an initial Form 3 filed for the 08/16/2025 event. The filing indicates the position as an officer (Interim CFO) and that the shares are directly owned. The Form 3 was signed by an attorney-in-fact on 08/22/2025.
Citizens Financial Group executive Michelle Moosally, the Chief Legal Officer, submitted an amended initial insider ownership report on Form 3/A. The amendment does not list any stock transactions, and no shares were reported as bought, sold, acquired, or disposed in this filing.