Company Dossier · Financials
Citizens Financial Group
- S&P 500
- Russell 1000
What Citizens Financial Group is doing, read from its filings, its own words and the news, with every figure dated and sourced. Not investment advice: no ratings, no price targets.
Open the full company record in Palanor: guidance, KPIs, ownership, calls, prices →
The latest read
Computed from the data on Oct 22, 2026. Every figure links back to its source in the sections below.
- Revenue over the four quarters to June 30, 2026: $1.75 billion, up 16% from a year earlier.SEC EDGAR filings (XBRL)
- Free cash flow (operating cash flow minus capital expenditure) over the four quarters to September 30, 2019: $1.38 billion, up 2.2% from a year earlier.SEC EDGAR filings (XBRL)
- Capital expenditure over the four quarters to September 30, 2019: $0.15 billion, down 50% from a year earlier.SEC EDGAR filings (XBRL)
- Share buybacks in the fiscal year to December 31, 2025: $0.60 billion.SEC EDGAR filings (10-K)
- Long-term debt issued in the fiscal year to December 31, 2025: $8.53 billion.SEC EDGAR filings (10-K)
- Latest earnings call or results release (October 16, 2026): sentiment 0.65 on a −1 to +1 scale (mixed), confidence 0.78 of 1.Palanor Discourse
- Latest annual report (filed February 12, 2026): 0 risk factors added, 0 removed.Risk Factor Changes (10-K Item 1A)
- Insiders were net sellers in Q3 2026: $9.3 million on the open market.SEC Form 4
- 1,101 institutional managers reported a position at June 30, 2026 (+77 on the quarter before).SEC Form 13F
- H-1B filings certified in Q2 2026: 61 (66 a year earlier).U.S. Department of Labor (OFLC)
Company Posture
How Company Posture is measured →What Citizens Financial Group is doing, on three axes, from its filings and its own words, as of 2026-10-22. A description, not a rating: Company Posture never says whether to buy.
Expanding · Confident
Expanding ↔ Retrenching
Expanding
- Capital spending—
- Debt raised60th pct
- Buybacks vs capex—
- Hiring filings76th pct
- Deals and private raises48th pct
- Patent publications93rd pct
Confident ↔ Hedging
Confident
- Call sentiment73rd pct
- Call confidence65th pct
- Guidance changes—
- Risk factors added75th pct
- Insider open-market trades81st pct
- + Call sentiment
- + Insider open-market trades
- + Risk factors added
Pressure
Components only: Not yet shown as a score: in the back-test it did not add to a naive reader's forecast of impairment, debt acceleration or bankruptcy filings (8-K 2.06, 2.04, 1.03) (not enough events (17 in half 1; needs 20)).
- Fails-to-deliver20th pct
- Stress filings49th pct
Credit
How these are built →Citizens Financial Group's borrowing from its SEC filings: the bonds it priced and the debt on its latest balance sheet. A description, not a rating.
Bonds priced, last 12 months
$0.4B
U.S. dollar tranches with a term sheet on EDGAR. Deals sold under Rule 144A file none and are not counted.
| Priced | Amount | Coupon | Matures | Spread | Yield |
|---|---|---|---|---|---|
| Jan 22, 2026 | $400M | 5.299% | 2036 (10y) | +145bp | 5.299% |
| Feb 24, 2025 | $750M | 5.253% | 2031 (6y) | +102bp | 5.253% |
| Jul 18, 2024 | $1.25B | 5.718% | 2032 (8y) | +160bp | 5.718% |
| Apr 18, 2024 | $750M | 6.645% | 2035 (11y) | +200bp | 6.645% |
| Jan 18, 2024 | $1.25B | 5.841% | 2030 (6y) | +180bp | 5.841% |
From the pricing term sheets Citizens Financial Group filed with the SEC. Spread is to the benchmark Treasury (or Bund, Gilt) at pricing.
Charts
Live charts: each one redraws from today’s data and has an image link to paste into a document or slide.
Cash flow
Capital returned and raised
What the company says
Hiring and ownership
In the news
Headlines that name Citizens Financial Group, with the publisher and a link. The tone is read from each headline’s own words, never from a summary of the article.
- NeutralCitizens Financial Group, Inc. 2026 Q3 - Results - Earnings Call Presentation (NYSE:CFG) 2026-10-17
seekingalpha.com · via Marketaux · Oct 17, 2026
- NeutralQ3 2026 Citizens Financial Group Inc Earnings Call Transcript
gurufocus.com · via Marketaux · Oct 16, 2026
Filings and records
The last two years of notable 8-Ks, offerings, annual reports, federal awards, lobbying reports, patents and other public records, newest first.
- Oct 20, 2026LobbyingLobbying report (BOSE PUBLIC AFFAIRS GROUP)third_quarter 2026 · $0.0 million
- Oct 19, 2026LobbyingLobbying report (CITIZENS FINANCIAL GROUP, INC.)third_quarter 2026 · $0.2 million
- Jul 20, 2026LobbyingLobbying report (BOSE PUBLIC AFFAIRS GROUP)second_quarter 2026 · $0.0 million
- Jul 20, 2026LobbyingLobbying report (CITIZENS FINANCIAL GROUP, INC.)second_quarter 2026 · $0.1 million
- Apr 24, 20268-KShareholder vote resultsItem 5.07
- Apr 20, 2026LobbyingLobbying report (BOSE PUBLIC AFFAIRS GROUP)first_quarter 2026 · $0.0 million
- Apr 20, 2026LobbyingLobbying report (CITIZENS FINANCIAL GROUP, INC.)first_quarter 2026 · $0.3 million
- Feb 12, 202610-KAnnual report (10-K)0 risk factors added, 0 removed
- Jan 21, 2026LobbyingLobbying report (BOSE PUBLIC AFFAIRS GROUP)fourth_quarter 2025 · $0.0 million
- Jan 16, 2026LobbyingLobbying report (CITIZENS FINANCIAL GROUP, INC.)fourth_quarter 2025 · $0.3 million
- Oct 21, 2025Patent
- Oct 7, 20258-KDirector or officer changeItem 5.02
- Oct 7, 2025Patent
- Aug 12, 20258-KDirector or officer changeItem 5.02
- Jul 29, 2025Patent
- Jul 29, 2025Patent
- Jul 29, 2025Patent
- Apr 30, 20258-KDirector or officer changeItem 5.02
- Apr 25, 20258-KShareholder vote resultsItem 5.07
- Feb 13, 202510-KAnnual report (10-K)0 risk factors added, 0 removed
- Feb 16, 202410-KAnnual report (10-K)1 risk factors added, 2 removed
Peers
Companies in the same industry in the S&P 500, Russell 1000 or MidCap 400, closest in revenue first. Trailing twelve months, from SEC filings.
| Company | Revenue | Free cash flow | Through |
|---|---|---|---|
| M&T Bank MTB | $1.7B | — | Jun 30, 2026 |
| KeyCorp KEY | $1.8B | $1.2B | Jun 30, 2026 |
| Huntington Bancshares HBAN | $1.7B | $2.2B | Mar 31, 2026 |
| First Hawaiian, Inc. FHB | $0.9B | $0.3B | Jun 30, 2026 |
| First Horizon Corporation FHN | $3.5B | $1.0B | Jun 30, 2026 |
| Zions Bancorporation ZION | $0.5B | $1.7B | Jun 30, 2026 |
| Frost Bank CFR | $0.1B | $0.5B | Jun 30, 2026 |
| Commerce Bancshares CBSH | — | $1.2B | Jun 30, 2026 |