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Citizens Financial Group Inc is a bank holding company headquartered in Providence, Rhode Island. Through its subsidiaries, it offers various retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations, and institutions. The group's reportable business segments are: Consumer Banking and Commercial Banking. The majority of its revenue is generated from the Consumer Banking segment, which serves consumer customers and small businesses, offering traditional banking products and services, including deposits, mortgage and home equity lending, credit cards, small business loans, education loans, point-of-sale finance loans, and wealth management solutions, among others, through a network of branches and ATMs.

Founded: 1828 Country:
United States
United States
Employees: N/A City: PROVIDENCE
Market Cap: 31.0B IPO Year: 2014
Target Price: $70.17 AVG Volume (30 days): 2.8M
Analyst Decision: Strong Buy Number of Analysts: 18
Dividend Yield:
2.86%
Dividend Payout Frequency: quarterly
EPS: 2.42 EPS Growth: 27.39
52 Week Low/High: $47.95 - $75.33 Next Earning Date: 04-16-2026
Revenue: $8,247,000,000 Revenue Growth: 5.61%
Revenue Growth (this year): 20.17% Revenue Growth (next year): 8.30%
P/E Ratio: 28.86 Index:
Free Cash Flow: 2.1B FCF Growth: N/A

Earnings Transcripts

SEC 8-K filings with transcript text

View All
2026
Q2

Q2 2026 Earnings

8-K SELL

Jul 16, 2026 · 100% conf.

AI Prediction SELL

1D

-2.11%

$72.83

Act: -2.70%

5D

-3.34%

$71.92

Act: -3.49%

20D

+1.59%

$75.58

Act: -0.39%

Price: $74.40 Prob +5D: 0% AUC: 1.000
0000759944-26-000133

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CITIZENS FINANCIAL GROUP INC/RI0000759944false00007599442026-07-162026-07-160000759944us-gaap:CommonStockMember2026-07-162026-07-160000759944us-gaap:SeriesEPreferredStockMember2026-07-162026-07-160000759944us-gaap:SeriesHPreferredStockMember2026-07-162026-07-160000759944cfg:SeriesIPreferredStockMember2026-07-162026-07-16

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d)

OF THE SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): July 16, 2026

(Exact name of the registrant as specified in its charter)

Delaware001-3663605-0412693

(State or Other Jurisdiction of Incorporation)(Commission File Number)(I.R.S. Employer Identification Number)

One Citizens Plaza

Providence,RI02903

(Address of principal executive offices)(Zip Code)

Registrant’s telephone number, including area code: (203) 900-6715

Not Applicable

(Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each classTrading symbol(s)Name of each exchange on which registered

Common stock, $0.01 par value per shareCFGNew York Stock Exchange

Depositary Shares, each representing a 1/40th interest in a share of 5.000% Fixed-Rate Non-Cumulative Perpetual Preferred Stock, Series ECFG PrENew York Stock Exchange

Depositary Shares, each representing a 1/40th interest in a share of 7.375% Fixed-Rate Non-Cumulative Perpetual Preferred Stock, Series HCFG PrHNew York Stock Exchange

Depositary Shares, each representing a 1/40th interest in a share of 6.500% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series ICFG PrINew York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 under the Securities Act (17 CFR 230.405) or Rule 12b-2 under the Exchange Act (17 CFR 240.12b-2).

Emerging growth company  ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.  ☐

Item 2.02   Results of Operations and Financial Condition.

On July 16, 2026, Citizens Financial Group, Inc. (the “Company”) issued a press release announcing its second quarter 2026 earnings and posted on its website the press release and a financial supplement. Copies of the press release and financial supplement are being furnished as Exhibits 99.1 and 99.3, respectively.

Item 7.01 Regulation FD Disclosure.

For the benefit of investors, the Company has posted on its website an investor presentation in connection with its earnings conference call. A copy of the investor presentation is being furnished as Exhibit 99.2.

The information in this Form 8-K and Exhibits attached hereto are being furnished pursuant to Items 2.02 and 7.01, respectively, and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, nor shall this information be deemed incorporated by reference into any filings under the Securities Act of 1933, as amended.

Item 9.01   Financial Statements and Exhibits.

Exhibit NumberDescription

(d)Exhibit 99.1 Citizens Financial Group, Inc. press release dated July 16, 2026

Exhibit 99.2 Citizens Financial Group, Inc. earnings release presentation issued July 16, 2026

Exhibit 99.3 Citizens Financial Group, Inc. financial supplement for second quarter 2026

Exhibit 104Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

CITIZENS FINANCIAL GROUP, INC.

By: /s/ Aunoy Banerjee

Aunoy Banerjee

Executive Vice President and Chief Financial Officer

Date:  July 16, 2026

2026
Q1

Q1 2026 Earnings

8-K

Apr 16, 2026

0000759944-26-000070

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CITIZENS FINANCIAL GROUP INC/RI0000759944false00007599442026-04-162026-04-160000759944us-gaap:CommonStockMember2026-04-162026-04-160000759944us-gaap:SeriesEPreferredStockMember2026-04-162026-04-160000759944us-gaap:SeriesHPreferredStockMember2026-04-162026-04-160000759944cfg:SeriesIPreferredStockMember2026-04-162026-04-16

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d)

OF THE SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): April 16, 2026

(Exact name of the registrant as specified in its charter)

Delaware001-3663605-0412693

(State or Other Jurisdiction of Incorporation)(Commission File Number)(I.R.S. Employer Identification Number)

One Citizens Plaza

Providence,RI02903

(Address of principal executive offices)(Zip Code)

Registrant’s telephone number, including area code: (203) 900-6715

Not Applicable

(Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each classTrading symbol(s)Name of each exchange on which registered

Common stock, $0.01 par value per shareCFGNew York Stock Exchange

Depositary Shares, each representing a 1/40th interest in a share of 5.000% Fixed-Rate Non-Cumulative Perpetual Preferred Stock, Series ECFG PrENew York Stock Exchange

Depositary Shares, each representing a 1/40th interest in a share of 7.375% Fixed-Rate Non-Cumulative Perpetual Preferred Stock, Series HCFG PrHNew York Stock Exchange

Depositary Shares, each representing a 1/40th interest in a share of 6.500% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series ICFG PrINew York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 under the Securities Act (17 CFR 230.405) or Rule 12b-2 under the Exchange Act (17 CFR 240.12b-2).

Emerging growth company  ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.  ☐

Item 2.02   Results of Operations and Financial Condition.

On April 16, 2026, Citizens Financial Group, Inc. (the “Company”) issued a press release announcing its first quarter 2026 earnings and posted on its website the press release and a financial supplement. Copies of the press release and financial supplement are being furnished as Exhibits 99.1 and 99.3, respectively.

Item 7.01 Regulation FD Disclosure.

For the benefit of investors, the Company has posted on its website an investor presentation in connection with its earnings conference call. A copy of the investor presentation is being furnished as Exhibit 99.2.

The information in this Form 8-K and Exhibits attached hereto are being furnished pursuant to Items 2.02 and 7.01, respectively, and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, nor shall this information be deemed incorporated by reference into any filings under the Securities Act of 1933, as amended.

Item 9.01   Financial Statements and Exhibits.

Exhibit NumberDescription

(d)Exhibit 99.1 Citizens Financial Group, Inc. press release dated April 16, 2026

Exhibit 99.2 Citizens Financial Group, Inc. earnings release presentation issued April 16, 2026

Exhibit 99.3 Citizens Financial Group, Inc. financial supplement for first quarter 2026

Exhibit 104Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

CITIZENS FINANCIAL GROUP, INC.

By: /s/ Aunoy Banerjee

Aunoy Banerjee

Executive Vice President and Chief Financial Officer

Date:  April 16, 2026

2025
Q4

Q4 2025 Earnings

8-K

Jan 21, 2026

0000759944-26-000017

cfg-20260121

CITIZENS FINANCIAL GROUP INC/RI0000759944false00007599442026-01-212026-01-210000759944us-gaap:CommonStockMember2026-01-212026-01-210000759944us-gaap:SeriesEPreferredStockMember2026-01-212026-01-210000759944us-gaap:SeriesHPreferredStockMember2026-01-212026-01-210000759944cfg:SeriesIPreferredStockMember2026-01-212026-01-21

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d)

OF THE SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): January 21, 2026

(Exact name of the registrant as specified in its charter)

Delaware001-3663605-0412693

(State or Other Jurisdiction of Incorporation)(Commission File Number)(I.R.S. Employer Identification Number)

One Citizens Plaza

Providence,RI02903

(Address of principal executive offices)(Zip Code)

Registrant’s telephone number, including area code: (203) 900-6715

Not Applicable

(Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each classTrading symbol(s)Name of each exchange on which registered

Common stock, $0.01 par value per shareCFGNew York Stock Exchange

Depositary Shares, each representing a 1/40th interest in a share of 5.000% Fixed-Rate Non-Cumulative Perpetual Preferred Stock, Series ECFG PrENew York Stock Exchange

Depositary Shares, each representing a 1/40th interest in a share of 7.375% Fixed-Rate Non-Cumulative Perpetual Preferred Stock, Series HCFG PrHNew York Stock Exchange

Depositary Shares, each representing a 1/40th interest in a share of 6.500% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series ICFG PrINew York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 under the Securities Act (17 CFR 230.405) or Rule 12b-2 under the Exchange Act (17 CFR 240.12b-2).

Emerging growth company  ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.  ☐

Item 2.02   Results of Operations and Financial Condition.

On January 21, 2026, Citizens Financial Group, Inc. (the “Company”) issued a press release announcing its fourth quarter and full year 2025 earnings and posted on its website the press release and a financial supplement. Copies of the press release and financial supplement are being furnished as Exhibits 99.1 and 99.3, respectively.

Item 7.01 Regulation FD Disclosure.

For the benefit of investors, the Company has posted on its website an investor presentation in connection with its earnings conference call. A copy of the investor presentation is being furnished as Exhibit 99.2.

The information in this Form 8-K and Exhibits attached hereto are being furnished pursuant to Items 2.02 and 7.01, respectively, and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, nor shall this information be deemed incorporated by reference into any filings under the Securities Act of 1933, as amended.

Item 9.01   Financial Statements and Exhibits.

Exhibit NumberDescription

(d)Exhibit 99.1 Citizens Financial Group, Inc. press release dated January 21, 2026

Exhibit 99.2 Citizens Financial Group, Inc. earnings release presentation issued January 21, 2026

Exhibit 99.3 Citizens Financial Group, Inc. financial supplement for fourth quarter and full year 2025

Exhibit 104Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

CITIZENS FINANCIAL GROUP, INC.

By: /s/ Aunoy Banerjee

Aunoy Banerjee

Executive Vice President and Chief Financial Officer

Date:  January 21, 2026

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