Citizens Financial Group (CFG) FY2025 10-K Annual Report
Citizens Financial Group (CFG) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 12, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
Citizens Financial Group FY2025 10-K Analysis
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
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
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
Citizens Financial Group FY2025 Key Financial MetricsXBRL
Revenue
$1.6B
▲ +6.7% YoY
Net Income
$1.8B
▲ +21.3% YoY
Net Margin
112.0%
▲ +1355bp YoY
ROE
7.0%
▲ +74bp YoY
Total Assets
$226.4B
▲ +4.1% YoY
EPS (Diluted)
$3.86
▲ +27.4% YoY
Operating Cash Flow
$2.2B
▲ +10.5% YoY
Source: XBRL data from Citizens Financial Group FY2025 10-K filing on SEC EDGAR. All figures in USD.
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