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.
The Citizens Financial Group, Inc. (NYSE: CFG) SEC filings page provides access to the company’s regulatory disclosures as a large U.S. commercial bank and bank holding company. Citizens files a range of documents with the U.S. Securities and Exchange Commission that describe its financial condition, capital structure, governance and material corporate events.
Through this page, users can review current reports on Form 8-K in which Citizens announces items such as quarterly and annual earnings releases, preferred stock offerings, changes to its Restated Certificate of Incorporation, redemptions of preferred stock series, and executive leadership appointments. Recent 8-K filings also confirm the listing of CFG common stock and depositary shares for several preferred stock series on the New York Stock Exchange.
Investors can also locate annual reports on Form 10-K and quarterly reports on Form 10-Q, which provide detailed information on Citizens’ Consumer Banking and Commercial Banking segments, Non-Core and Other activities, and the risk factors and accounting policies relevant to its operations. These periodic reports explain how the company’s retail and commercial banking products and services are reflected in its financial statements.
The filings page is also a resource for capital and securities documentation, including Certificates of Designations for preferred stock, Deposit Agreements for depositary shares, and underwriting agreements for public offerings. These documents outline the rights and preferences of securities such as the 5.000% Fixed-Rate Non-Cumulative Perpetual Preferred Stock, Series E, the 7.375% Fixed-Rate Non-Cumulative Perpetual Preferred Stock, Series H, and the 6.500% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series I.
Stock Titan enhances these filings with AI-powered summaries that highlight key terms, structural changes and notable disclosures, helping users interpret lengthy documents more efficiently. Real-time updates from EDGAR, combined with AI explanations of complex provisions, allow investors to track Citizens’ regulatory reporting, capital actions and governance developments in one place.
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)$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, 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.
FAQ
What is the current stock price of Citizens Finl Group (CFG)?
What is the market cap of Citizens Finl Group (CFG)?
