CFG Citizens Financial Group

company

SEC Filings & Insider Trading Activity 2026

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

What are the latest CFG SEC filings in 2026?

Citizens Financial Group (CFG) has filed a 10-K annual report on February 12, 2026, a 10-Q quarterly report on May 4, 2026, an 8-K current report on July 31, 2026 with the SEC. SignalX tracks every new SEC EDGAR filing daily, including 10-K, 10-Q, 8-K, and Form 4 insider transactions, with AI-powered summaries of key sections.

When did CFG file its most recent 10-K annual report?

Citizens Financial Group (CFG) filed its most recent 10-K annual report on February 12, 2026. The 10-K includes audited financial statements, business overview, risk factors, and management discussion, all available on SignalX with AI-generated summaries and XBRL financial data.

How do I view CFG 10-Q quarterly reports?

Citizens Financial Group (CFG)'s most recent 10-Q quarterly report was filed on May 4, 2026. SignalX displays every CFG 10-Q with AI-generated summaries of the MD&A (Management Discussion & Analysis) and Risk Factors sections, plus links to the original SEC EDGAR document.

What 8-K current reports has CFG filed recently?

Citizens Financial Group (CFG)'s most recent 8-K was filed on July 31, 2026. 8-K filings disclose material corporate events such as earnings releases, executive changes, mergers, and other significant developments. SignalX surfaces each 8-K with item-level summaries so you can quickly see what happened.

Where can I find CFG insider trading activity (Form 4)?

SignalX aggregates every CFG Form 4 insider transaction from SEC EDGAR. Form 4 reports show when officers, directors, and 10% shareholders buy or sell company stock, with transaction code, share count, and price per share.

How often does CFG file with the SEC?

Citizens Financial Group (CFG) files a 10-K annual report once per year (typically within 60 days of fiscal year-end) and 10-Q quarterly reports three times per year. 8-K current reports are filed as needed when material events occur, and Form 4 insider transaction reports are due within two business days of a trade. SignalX monitors SEC EDGAR daily to surface every new CFG filing with AI-powered analysis.

What is the difference between 10-K, 10-Q, and 8-K SEC filings?

A 10-K is a comprehensive annual report with audited financials, business overview, and risk factors. A 10-Q is a shorter quarterly report with unaudited financials and management discussion. An 8-K is a current report filed when a material event occurs, such as earnings releases, executive changes, acquisitions, or other significant developments. SignalX provides AI-generated summaries for all three filing types for Citizens Financial Group (CFG).

What is CFG's SEC CIK number?

Citizens Financial Group (CFG)'s SEC CIK (Central Index Key) number is 759944. The CIK is a unique identifier assigned by the SEC to every filing entity. You can use CIK 759944 to look up all CFG filings on SEC EDGAR, or browse them here on SignalX with AI-powered analysis.

Where can I find CFG return on equity (ROE) and financial data?

SignalX extracts XBRL financial data from Citizens Financial Group (CFG) 10-K annual filings, including revenue, net income, gross profit, operating income, EPS, total assets, stockholders' equity, and operating cash flow. Return on equity (ROE) can be derived from net income divided by stockholders' equity. Multi-year financial trends are displayed in the Financial Summary table above.