CFG at a glance
Citizens Financial Group (CFG, SEC CIK 759944) filed its latest 10-K annual report on February 12, 2026, a 10-Q quarterly report on August 3, 2026, an 8-K current report on July 31, 2026 and Form 4 insider filings as recently as September 3, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), Citizens Financial Group (CFG) reported revenue of $1.6 billion (up 6.7% from FY2024) and net income of $1.8 billion. Diluted EPS was $3.86.
- As of June 30, 2026, 43 institutional investment managers tracked by SignalX reported holding Citizens Financial Group (CFG) shares worth $13.8 billion in 13F-HR filings.
- In the last 90 days, CFG insiders reported 0 open-market purchases ($0) and 1 open-market sale ($9.3M) on Form 4, a net sale of $9.3M.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $1.6B
- +6.7% vs prior year
- Insiders · 90 days
- 0 buys · 1 sell
- Net −$9.3M
- 13F holders
- 43 funds
- $13.8B · +1 vs prior quarter
- Latest 8-K
- Jul 31, 2026
- Item 3.03 · Item 5.03 · Item 8.01
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Risk Factors
- SEC climate disclosure rule stayed pending litigation, litigation ongoing after SEC withdrew defense March 2025
- Exposure to conflicting state climate and social credit score laws, including California’s climate disclosure requirements
- Risk of OFAC sanctions violations from failing to block or report transactions with designated countries or persons
- Competition pressure from broker-dealers regulated by SEC and FINRA with stringent capital and conduct requirements
- CRA regulatory uncertainty due to preliminary injunction on April 2024 final rule and proposed rollback to 1995 rules
Management Discussion & Analysis
- Revenue Consumer Banking $6.224B up 9% YoY; Commercial Banking $2.773B down 3% YoY
- Consumer Banking net interest income $4.972B up $408M; Commercial Banking net interest income $1.778B down $172M
- Consumer Banking net income $1.506B up $253M; Commercial Banking net income $865M down $108M
- Best segment Consumer Banking: net income $1.506B; Worst segment Commercial Banking: net income $865M
- Total loans and leases $142.7B up 3% YoY; deposits $183.3B up 5% YoY; borrowed funds $11.3B down $1.1B
- No buybacks or dividends detailed; investments in personnel and services increased expenses by $296M total
- Forward outlook reflects focus on risk management, credit quality, portfolio monitoring, and liquidity preservation with strong governance
Business Overview
- Core business model: Regional bank focused on Commercial and Consumer Banking with emphasis on loans, deposits, and capital management
- New capital transactions: Increased stock repurchase program capacity by $1.2B to $1.5B; issued $400M Series I Preferred Stock; redeemed $5.65% Series F Preferred Stock
- Strategic shift: Full phase-in of modified CECL transition impacting capital ratios; emphasis on macroeconomic sensitivity for allowance for credit losses including adverse economic scenarios
- Quantitative metrics: Risk-weighted assets increased by $5.8B (CFG) and $5.7B (CBNA); net income partially offsets capital ratio decreases; tangible book value per share rose 18% to $38.07
- Noteworthy fact: Applied new regulatory capital impact inclusion of accumulated other comprehensive income (AOCI) on capital ratios as a non-GAAP measure due to potential regulatory changes
AI summary of the CFG 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Quarterly revenue $2.314B, up $167M YoY, including net interest income $1.631B and noninterest income $652M
- Net interest margin 3.16% vs 2.94% YoY; effective tax rate 22.3% vs 21.4%
- Commercial Banking strongest growth: revenue $759M vs $671M; Consumer Banking revenue $1.662B vs $1.547B
- Total loans $147.491B, up $4.799B from December 31; deposits $185.620B, up $2.307B
- Capital markets fees $153M, up 46%; mortgage banking fees $42M, down 42%, reflecting lower MSR valuation results
Risk Factors
- Risk Factors section not provided; supplied text covers Items 2–6
- Share-repurchase risk: future timing and amounts subject to capital position, performance, balance-sheet growth, markets, and regulation
- Capital-allocation risk: $775 million remaining under publicly announced repurchase authorization
- Securities risk: Series J Preferred Stock designation effective July 27, 2026
AI summary of the CFG 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 3.03: Material Modification to Rights of Security Holders
- Series J issuance creates senior dividend protections for $1,000 liquidation-preference preferred shares
- 6.750% fixed-rate reset, non-cumulative perpetual structure increases ongoing preferred dividend obligations
Item 5.03: Amendments to Articles of Incorporation or Bylaws
- Series J Preferred Stock formally established through Delaware Certificate of Designations effective July 27, 2026
- New preferred class defines investor preferences, limitations and relative rights
Item 8.01: Other Events
- Public offering of 400,000 Series J Preferred Stock shares underwritten by BofA Securities, J.P. Morgan, Morgan Stanley, Wells Fargo and Citizens JMP
- Equity issuance adds preferred capital, potentially strengthening CFG’s regulatory capital while increasing dividend obligations
Item 8.01: Other Events
- Citizens announced second-quarter 2026 earnings; financial results and supplement filed as Exhibits 99.1 and 99.2
- Proposed Series J preferred offering pending pricing and closing, creating potential capital-structure refinancing
Item 7.01: Regulation FD Disclosure
- Investor presentation posted on CFG’s website for its earnings conference call
- Exhibit 99.2 contains presentation materials relevant to investor review
Item 2.02: Results of Operations and Financial Condition
- Q2 2026 earnings released July 16, 2026, covering Citizens Financial Group’s second-quarter results
- Financial supplement accompanies the release, providing detailed operating and financial metrics
AI summaries of CFG 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for CFG
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- Fund moves. Which tracked funds opened, added or cut CFG, by share count.
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Boss Matthew | F | Sep 1, 2026 | 10,778 | $68.87 |
| Cummings Kevin | A | Aug 13, 2026 | 134.488 | - |
| SIEKERKA MICHELE N | A | Aug 13, 2026 | 134.488 | - |
| Atkinson Tracy A | A | Aug 13, 2026 | 78.444 | - |
| Lillis Terrance | A | Aug 13, 2026 | 246.184 | - |
| ZURAITIS MARITA | A | Aug 13, 2026 | 268.751 | - |
| Alexander Lee | A | Aug 13, 2026 | 162.168 | - |
| Swift Christopher | A | Aug 13, 2026 | 162.168 | - |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|
| Profitability | ||||
| Revenue | $1.3B | $1.5B | $1.6B | |
| Net Income | $1.6B | $1.5B | $1.8B | |
| Net Margin | 127.0% | 98.4% | 112.0% | |
| Balance Sheet | ||||
| Total Assets | $222.0B | $217.5B | $226.4B | |
| Equity | $24.3B | $24.3B | $26.3B | |
| ROE | 6.6% | 6.2% | 7.0% | |
| Per Share | ||||
| EPS | $3.13 | $3.03 | $3.86 | |
| Cash Flow | ||||
| Operating CF | $3.0B | $2.0B | $2.2B | |
Source: XBRL data in Citizens Financial Group (CFG)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate CFG share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 43 | $13.84B |
| Q1 2026 | 42 | $11.84B |
| Q4 2025 | 39 | $11.45B |
| Q3 2025 | 40 | $10.38B |
| Q2 2025 | 37 | $9.02B |
| Q1 2025 | 34 | $6.20B |
| Q4 2024 | 31 | $5.85B |
| Q3 2024 | 26 | $3.21B |
- BlackRock+2.04M (+4%)
- State Street Corp+979.0K (+5%)
- Vanguard Portfolio Management LLC+641.6K (+3%)
- Bank of America Corp+505.7K (+19%)
- JPMorgan Chase & Co+296.6K (+15%)
- Millennium Management−1.30M (-99%)
- Citadel Advisors LLC−1.17M (-30%)
- Invesco Ltd−772.1K (-3%)
- Morgan Stanley−447.7K (-4%)
- Goldman Sachs Group−364.3K (-8%)
Source: 13F-HR filings on SEC EDGAR (aggregated from 292 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
CFG filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Sep 3, 2026 | - | - | - |
| 4 | Aug 17, 2026 | - | - | - |
| 4 | Aug 17, 2026 | - | - | - |
| 4 | Aug 17, 2026 | - | - | - |
| 4 | Aug 17, 2026 | - | - | - |
| 4 | Aug 17, 2026 | - | - | - |
| 4 | Aug 17, 2026 | - | - | - |
| 4 | Aug 17, 2026 | - | - | - |
| 4 | Aug 17, 2026 | - | - | - |
| 4 | Aug 17, 2026 | - | - | - |
| 4 | Aug 17, 2026 | - | - | - |
| 4 | Aug 17, 2026 | - | - | - |
| 13F-HR | Aug 7, 2026 | Jun 30, 2026 | - | |
| 10-Q | Aug 3, 2026 | Jun 30, 2026 | Analysis | |
| 8-K | Jul 31, 2026 | - | Analysis | - |
| 4 | Jul 28, 2026 | - | - | - |
| 8-K | Jul 21, 2026 | - | Analysis | - |
| 8-K | Jul 16, 2026 | - | Analysis | - |
| 4 | Jun 16, 2026 | - | - | - |
| 4 | May 15, 2026 | - | - | |
| 4 | May 15, 2026 | - | - | |
| 4 | May 15, 2026 | - | - | |
| 4 | May 15, 2026 | - | - | |
| 4 | May 15, 2026 | - | - | |
| 4 | May 15, 2026 | - | - |
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CFG SEC filings: frequently asked questions
Are CFG insiders buying or selling?
In the last 90 days, Citizens Financial Group (CFG) officers, directors and 10% owners reported no open-market purchases and 1 open-market sale worth $9.3 million by 1 insider on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold CFG stock?
As of June 30, 2026, the largest Citizens Financial Group (CFG) holders among the 13F filers tracked by SignalX were BlackRock ($3.4 billion), Vanguard Capital Management LLC ($1.9 billion), Invesco Ltd ($1.6 billion), State Street Corp ($1.5 billion), Vanguard Portfolio Management LLC ($1.4 billion). 13F-HR reports are filed up to 45 days after each quarter ends.
What was CFG's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), Citizens Financial Group (CFG) reported revenue of $1.6 billion (up 6.7% from FY2024) and net income of $1.8 billion. Diluted EPS was $3.86. The figures come from the XBRL data in the 10-K.
What are the main risks in CFG's latest 10-K?
In the 10-K filed February 12, 2026, Citizens Financial Group (CFG) flagged: SEC climate disclosure rule stayed pending litigation, litigation ongoing after SEC withdrew defense March 2025. Exposure to conflicting state climate and social credit score laws, including California’s climate disclosure requirements. (AI summary of the Risk Factors section.)
What did CFG report in its latest 8-K?
Citizens Financial Group (CFG) filed an 8-K on July 31, 2026 reporting Item 3.03 (Material Modification to Rights of Security Holders), Item 5.03 (Amendments to Articles of Incorporation or Bylaws) and Item 8.01 (Other Events). Series J issuance creates senior dividend protections for $1,000 liquidation-preference preferred shares.
What are the latest CFG SEC filings?
Citizens Financial Group (CFG) filed its latest 10-K annual report on February 12, 2026, a 10-Q quarterly report on August 3, 2026, an 8-K current report on July 31, 2026 and a Form 4 insider filing on September 3, 2026.
What is CFG's SEC CIK number?
Citizens Financial Group (CFG)'s SEC Central Index Key (CIK) is 759944. EDGAR lists every CFG filing under that number.
Ask anything about CFG
The research agent reads CFG's filings, financials, insider trades and 13F holders, then answers with sources.