Citizens Financial Group

Financials Regional Banks Providence, Rhode Island Last filing Feb 12, 2026 · FY2025

                    Revenue
                    FY2025
                
$9.7B
                    3y CAGR +11.0%
                    
                    P40
                    
                    -5.1%
                    
                    Net income
                    FY2025
                
$1.8B
                    Net margin +18.9%
                    
                    P21
                    
                    +21.3%
                    
                    Total assets
                    FY2025
                
$226.4B
                    ROA +0.8%
                    
                    P11
                    
                    +4.1%
                    
                    Operating cash flow
                    FY2025
                
$2.2B
                    FCF margin +21.1%
                    
                    P26
                    
                    +10.5%

14 yrs · FY2012–FY2025 8 filed · 0 derived · 1 blank

1Y 3Y 5Y 10Y

Dollars % of revenue % of assets YoY % CAGR

Each cell as a share of that year’s revenue.

Balance Sheet

Assets, liabilities, and equity

20 accounts · 10 years

Total assets $226.4B

Total liabilities $200.0B

Shareholders equity $26.3B

Account	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Assets
Cash and Cash Equivalents	141.7%	110.3%	117.9%	153.7%	195.3%	243.4%	59.5%	73.3%	64.6%	97.1%
Investment Securities	451.5%	406.1%	381.8%	479.3%	583.6%	488.7%	384.8%	417.9%	504.9%	576.0%
Loans net	1456.6%	1346.4%	1409.8%	2190.9%	2605.8%	4549.9%	1904.0%	4030.5%	4471.5%	2494.9%
Property,Plant and Equipment	9.5%	8.6%	8.8%	12.0%	15.8%	14.2%	12.3%	13.7%	13.9%	14.1%
Goodwill	84.7%	80.4%	80.2%	115.8%	146.7%	131.6%	113.8%	120.2%	140.0%	161.2%
Other Assets	198.5%	183.8%	176.7%	259.9%	336.8%	247.0%	203.5%	136.5%	123.6%	161.6%
Total Assets	2342.5%	2135.5%	2175.3%	3211.5%	3883.9%	3422.6%	2677.9%	2787.7%	3096.3%	3504.9%
Liabilities
Deposits	1897.1%	1715.8%	1738.0%	2559.8%	3182.0%	2747.1%	2024.8%	2076.7%	2339.2%	2573.9%
Short Term Borrowings	0.6%	0.0%	4.9%	0.0%	1.5%	4.5%	4.4%	22.9%	54.3%	102.2%
Long Term Debt	116.2%	121.7%	132.0%	225.0%	142.9%	155.8%	227.0%	276.6%	239.1%	299.8%
Other Liabilities	56.3%	59.8%	61.8%	91.1%	74.7%	91.9%	63.0%	50.1%	51.6%	66.1%
Total Liabilities	2070.1%	1897.4%	1936.7%	2876.0%	3401.1%	2999.4%	2319.1%	2426.2%	2684.3%	3042.0%
Equity
Total Stockholders Equity	272.3%	238.1%	238.6%	335.6%	482.8%	423.2%	358.7%	361.5%	412.0%	462.9%
Common Stock	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%
Retained Earnings	117.4%	102.2%	96.2%	129.7%	164.5%	120.3%	105.0%	93.5%	84.6%	63.4%
Accumulated Other Comprehensive Income	-20.4%	-35.3%	-36.8%	-64.6%	-13.7%	-1.1%	-6.6%	-19.0%	-16.7%	-15.7%
Preferred Stock	21.8%	20.7%	19.7%	28.5%	41.5%	36.7%	25.4%	14.6%	5.0%	5.8%
Additional Paid In Capital	232.6%	219.6%	218.1%	313.6%	391.8%	353.6%	305.2%	326.8%	381.7%	438.9%
Treasury Stock	79.2%	69.2%	58.7%	71.8%	101.4%	86.3%	70.3%	54.4%	42.8%	29.6%
Total Liabilitiesand Equity	2342.5%	2135.5%	2175.3%	3211.5%	3883.9%	3422.6%	2677.9%	2787.7%	3096.3%	3504.9%

Income Statement

Revenue, expense, and profitability

10 accounts · 10 years

Revenue $9.7B

Operating income Not reported

Net income $1.8B

Account	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
IncomeStatement
Interest Income Total Interest Income	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%
Interest Expense Interest Expense	39.4%	44.7%	38.8%	14.8%	7.0%	14.4%	25.4%	21.3%	15.2%	11.9%
net Interest Income net Interest Income	60.6%	55.3%	61.2%	85.2%	93.0%	85.6%	74.6%	78.7%	84.8%	88.1%
Noninterest Income Total Noninterest Income	24.8%	21.4%	19.4%	28.5%	44.0%	43.3%	30.3%	27.7%	31.2%	35.1%
Expenses Noninterest Expense	61.3%	58.1%	60.7%	69.3%	84.1%	74.5%	62.2%	62.9%	70.6%	78.6%
Income Tax Income Tax Expense	5.1%	3.7%	4.1%	8.2%	13.6%	4.5%	7.4%	8.0%	5.3%	11.5%
net Income net Income	18.9%	14.8%	15.8%	29.4%	47.8%	19.7%	28.9%	29.9%	33.6%	24.5%
Earnings Per Share Diluted Eps	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Earnings Per Share Basic Eps	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Earnings Per Share Weighted Average Shares Diluted	4.5%	4.5%	4.7%	6.8%	8.8%	8.0%	7.3%	8.3%	10.2%	12.3%

Cash Flow Statement

Operating, investing, and financing flows

13 accounts · 10 years

Operating cash flow $2.2B

Investing cash flow $-6.0B

Financing cash flow $5.9B

Account	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
CashFlow
Operating Activities net Cash From Operating Activities	22.9%	19.6%	29.0%	58.3%	46.9%	2.1%	27.4%	30.7%	38.3%	34.9%
Operating Activities net Income	18.9%	14.8%	15.8%	29.4%	47.8%	19.7%	28.9%	29.9%	33.6%	24.5%
Operating Activities Depreciation and Amortization	4.9%	4.9%	4.7%	8.0%	12.9%	10.8%	10.2%	8.5%	9.9%	—
Operating Activities Stock Based Compensation	1.2%	1.0%	0.9%	1.2%	1.2%	0.9%	0.7%	0.7%	1.0%	0.5%
Operating Activities Other Non Cash Items	-2.3%	-1.0%	7.7%	19.8%	-15.0%	-29.3%	-12.4%	-8.4%	-6.2%	-2.2%
Investing Activities net Cash From Investing Activities	-61.8%	29.3%	51.4%	-179.0%	-216.2%	-114.5%	-62.6%	-122.9%	-81.0%	-265.5%
Investing Activities Capital Expenditures	-1.8%	-1.2%	-1.7%	-1.8%	-2.6%	-2.2%	-1.5%	-4.0%	-8.4%	-7.1%
Investing Activities Other Investing Activities	-60.0%	30.5%	53.1%	-177.2%	-213.6%	-112.3%	-61.1%	-118.9%	-72.6%	-258.4%
Financing Activities net Cash From Financing Activities	60.9%	-59.1%	-69.9%	140.3%	95.6%	287.0%	24.1%	110.3%	29.0%	245.1%
Financing Activities Dividends Paid	-9.2%	-8.9%	-9.1%	-12.6%	-16.1%	-14.4%	-11.0%	-8.4%	-6.8%	-6.0%
Financing Activities Repurchase of Common Stock	-6.2%	-10.8%	-8.9%	-2.2%	-6.1%	-5.0%	-19.7%	-17.8%	-16.7%	-10.1%
Financing Activities Other Financing Activities	76.3%	-39.9%	-51.9%	155.1%	117.8%	306.4%	54.8%	136.5%	52.5%	261.1%
Cash Reconciliation net Change In Cash	22.0%	-10.1%	10.6%	19.7%	-73.7%	174.5%	-11.1%	18.1%	-13.7%	14.5%

Key Ratios

Margins, returns, liquidity, leverage, efficiency

Computed at import · 10 years

Ratio	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Profitability
Gross margin	—	—	—	—	—	—	—	—	—	—
Operating margin	—	—	—	—	—	—	—	—	—	—
Net margin	+18.9%	+14.8%	+15.8%	+29.4%	+47.8%	+19.7%	+28.9%	+29.9%	+33.6%	+24.5%
FCF margin	+21.1%	+18.4%	+27.3%	+56.6%	+44.3%	-0.1%	+25.9%	+26.7%	+29.9%	+27.8%
Growth
Revenue CAGR (3y)	+11.0%	+28.1%	+24.0%	+4.5%	-5.6%	+2.9%	+13.2%	+14.3%	+10.3%	+6.8%
Returns
ROE	+7.0%	+6.2%	+6.6%	+8.8%	+9.9%	+4.7%	+8.1%	+8.3%	+8.1%	+5.3%
ROA	+0.8%	+0.7%	+0.7%	+0.9%	+1.2%	+0.6%	+1.1%	+1.1%	+1.1%	+0.7%
ROIC	—	—	—	—	—	—	—	—	—	—
Liquidity
Current ratio	—	—	—	—	—	—	—	—	—	—
Quick ratio	—	—	—	—	—	—	—	—	—	—
Leverage
D/E	7.60x	7.97x	8.12x	8.57x	7.04x	7.09x	6.47x	6.71x	6.52x	6.57x
Interest coverage	—	—	—	—	—	—	—	—	—	—
Efficiency
Asset turnover	0.04x	0.05x	0.05x	0.03x	0.03x	0.03x	0.04x	0.04x	0.03x	0.03x
Cash conversion cycle	—	—	—	—	—	—	—	—	—	—

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Citizens Financial Group

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