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Citizens Financial Group delivered stronger profitability in the quarter ended March 31, 2026. Net income reached $517 million, up $144 million year over year, with diluted EPS rising $0.36 to $1.13. Net interest income grew to $1.6 billion and net interest margin improved to 3.14%, helped by better funding costs and runoff of higher-cost auto-related funding.
Noninterest income rose to $606 million, driven by higher capital markets and wealth fees, while noninterest expense increased to $1.38 billion as the company invested in its Private Bank and Private Wealth expansion. The efficiency ratio improved to 63.6%, and ROTCE increased to 12.2%. Loans rose to $143.7 billion, deposits to $184.0 billion, and total assets to $227.9 billion.
Credit quality remained solid, with the allowance for credit losses at $2.2 billion (1.52% of loans and leases) and a net charge-off ratio of 0.39%. Citizens completed the Matrix Capital advisory acquisition, repurchased $300 million of common stock, and issued $400 million of subordinated notes and $750 million of senior notes. Regulatory capital remained comfortably above requirements, with a CET1 capital ratio of 10.5% and contingent liquidity of about $73.7 billion.
Citizens Financial Group (reporting manager Citizens Financial Group Inc.) filed a Form 13F holdings report signed by David P. Russell, Senior Vice President on 05-01-2026. The filing lists 1,041 holdings entries with a total reported market value of $7,186,090,377 and includes two other managers.
Vanguard Capital Management reports beneficial ownership of 31,212,801 shares of Citizens Financial Group common stock, representing 7.34% of the class as of 03/31/2026. The filing shows sole dispositive power over 31,212,801 shares and sole voting power for 4,347,962 shares. The Schedule 13G was signed on 04/29/2026.
Lillis Terrance reported acquisition or exercise transactions in this Form 4 filing.
CITIZENS FINANCIAL GROUP INC/RI director Terrance Lillis received a stock-based award of 2,608 common shares. These shares were granted at no cash cost as a restricted stock unit award under the Amended & Restated Citizens Financial Group, Inc. 2014 Non-Employee Directors Compensation Plan and increase his directly held position to 39,366.365 shares. A separate entry shows 4,000 shares held indirectly through his spouse in a revocable trust.
CITIZENS FINANCIAL GROUP INC/RI director Kevin Cummings received a stock-based compensation award rather than buying shares on the market. He acquired 2,608 shares of Common Stock at a price of $0.00 per share as a grant under the Amended & Restated Citizens Financial Group, Inc. 2014 Non-Employee Directors Compensation Plan. After this grant, he directly holds 473,652.528 shares of Common Stock and also indirectly holds 57,916 shares through an IRA account.
Leary Robert G reported acquisition or exercise transactions in this Form 4 filing.
Citizens Financial Group director Robert G. Leary received an equity award as part of his board compensation. On April 23, 2026, he was granted 2,608 shares of Common Stock, reflected as a restricted stock unit award under the Amended & Restated Citizens Financial Group, Inc. 2014 Non-Employee Directors Compensation Plan, at a stated price of $0.00 per share. Following this grant, Leary directly holds 33,323.115 shares of Citizens Financial Group common stock. This is a compensation-related grant rather than an open-market purchase or sale.
CITIZENS FINANCIAL GROUP INC/RI director Claude E. Wade received a stock-based compensation award. On April 23, 2026, he acquired 2,608 shares of common stock at a stated price of $0.00 per share as a restricted stock unit grant under the company’s 2014 Non-Employee Directors Compensation Plan. Following this award, he directly holds a total of 7,549.582 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 an equity award in the company’s common stock. She received a grant of 2,608 shares as a restricted stock unit award under the Amended & Restated Citizens Financial Group, Inc. 2014 Non-Employee Directors Compensation Plan. Following this grant, she directly holds 66,159.978 shares of common stock. The filing also lists indirect holdings of 297 shares held by her son, 297 shares held by her daughter, and 6,102 shares held through an IRA.
Atkinson Tracy A reported acquisition or exercise transactions in this Form 4 filing.
Citizens Financial Group director Tracy A. Atkinson received a compensation grant of 2,608 shares of Common Stock in the form of restricted stock units. The award was granted at no cash cost per share under the Amended & Restated Citizens Financial Group, Inc. 2014 Non-Employee Directors Compensation Plan.
After this grant, Atkinson directly holds a total of 12,543.719 shares of Citizens Financial Group common stock, as reported in the filing. This is a routine equity award for a non-employee director rather than an open-market purchase.
Citizens Financial Group director Christopher Swift received a stock-based compensation award. He acquired 2,608 shares of Common Stock through a restricted stock unit grant under the Amended & Restated Citizens Financial Group, Inc. 2014 Non-Employee Directors Compensation Plan, bringing his direct holdings to 25,931.609 shares after the award.