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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/RI Chief Risk Officer Richard L. Stein reported a tax-related share disposition. On this Form 4, he transferred 4,913 shares of Common Stock at an indicated value of $67.65 per share to cover tax obligations, a type of non-market transaction.
After this tax-withholding disposition, he directly holds 84,633 shares of Citizens Financial Group common stock. The filing shows a routine compensation-related adjustment rather than an open-market purchase or sale.
Leary Robert G reported acquisition or exercise transactions in this Form 4 filing.
Citizens Financial Group director awarded additional restricted stock units
Citizens Financial Group director Robert G. Leary received 250.55 shares of Common Stock on May 14, 2026 as a grant classified as restricted stock units. The award was credited following the company’s dividend payment under the non-employee directors compensation plan, bringing his direct holdings to 33,573.665 shares.
Alexander Lee, a director of Citizens Financial Group, Inc. (CFG), reported an acquisition of 194.975 shares of Common Stock with a price of $0.00 per share. These shares reflect restricted stock units credited to his account following the company’s dividend payment under the Amended & Restated 2014 Non-Employee Directors Compensation Plan. After this award-related credit, Lee directly holds a total of 26,126.584 shares of Citizens Financial Group common stock.
SIEKERKA MICHELE N reported acquisition or exercise transactions in this Form 4 filing.
Citizens Financial Group director Michele N. Siekerka reported a routine equity compensation update. She received 161.696 restricted stock units credited to her account at no cash cost, following the company’s dividend payment and under the Amended & Restated 2014 Non-Employee Directors Compensation Plan.
After this award, she directly holds 66,321.674 shares of Citizens Financial Group common stock. She also reports indirect holdings of 297 shares held by a son, 297 shares held by a daughter, and 6,102 shares held through an IRA.
CITIZENS FINANCIAL GROUP INC/RI director Christine M. Cumming reported a routine equity compensation adjustment. On May 14, 2026, she acquired 323.121 shares of Common Stock at $0.00 per share through a grant classified as a restricted stock unit credit.
According to the footnote, these restricted stock units were credited to her account following the company’s dividend payment under the Amended & Restated Citizens Financial Group, Inc. 2014 Non-Employee Directors Compensation Plan. After this grant, her directly held Common Stock position increased to 52,664.138 shares, indicating this was a small, dividend-linked addition to an existing director equity stake rather than an open-market purchase.
Swift Christopher reported acquisition or exercise transactions in this Form 4 filing.
Citizens Financial Group director Christopher Swift received additional company stock units as compensation. He was credited with 194.975 restricted stock units at no cash cost, following a dividend paid by Citizens Financial Group. After this grant, he directly holds a total of 26,126.584 shares of common stock.