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

Year-over-year change per cell; first column has no prior.

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	+21.8%	-6.6%	+10.9%	+14.5%	-27.3%	+254.0%	-12.8%	+32.8%	-23.3%	—
Investment Securities	+5.5%	+6.2%	+15.1%	+19.5%	+8.1%	+9.9%	-1.0%	-3.1%	+1.1%	—
Loans net	+2.6%	-4.7%	-7.0%	+22.4%	-48.1%	+106.8%	-49.2%	+5.5%	+106.7%	—
Property,Plant and Equipment	+4.6%	-2.2%	+6.0%	+9.9%	+1.2%	-0.3%	-3.8%	+15.5%	+14.0%	—
Goodwill	+0.0%	-0.0%	+0.2%	+14.9%	+0.9%	+0.1%	+1.7%	+0.5%	+0.2%	—
Other Assets	+2.5%	+3.8%	-1.7%	+12.3%	+23.4%	+5.1%	+60.2%	+29.3%	-11.8%	—
Total Assets	+4.1%	-2.0%	-2.1%	+20.3%	+2.8%	+10.6%	+3.2%	+5.4%	+1.9%	—
Liabilities
Deposits	+4.9%	-1.4%	-1.9%	+17.1%	+4.9%	+17.4%	+4.8%	+3.9%	+4.8%	—
Short Term Borrowings	—	-100.0%	+16733.3%	-95.9%	-69.5%	-11.3%	-79.2%	-50.7%	-38.7%	—
Long Term Debt	-9.5%	-7.9%	-15.2%	+129.2%	-16.9%	-40.6%	-11.8%	+35.4%	-8.0%	—
Other Liabilities	-10.7%	-3.5%	-1.9%	+77.5%	-26.4%	+26.3%	+35.2%	+13.5%	-9.9%	—
Total Liabilities	+3.5%	-2.2%	-2.7%	+23.1%	+2.7%	+11.9%	+2.7%	+5.8%	+1.8%	—
Equity
Total Stockholders Equity	+8.5%	-0.4%	+2.8%	+1.2%	+3.3%	+2.1%	+6.6%	+2.7%	+2.6%	—
Common Stock	+0.0%	+16.7%	+0.0%	+0.0%	+0.0%	+0.0%	+0.0%	+0.0%	+0.0%	—
Retained Earnings	+9.0%	+6.1%	+7.2%	+14.8%	+23.8%	-0.8%	+20.7%	+29.3%	+54.1%	—
Accumulated Other Comprehensive Income	+45.2%	+4.3%	+17.6%	-585.7%	-1008.3%	+85.4%	+62.5%	-33.7%	-22.8%	—
Preferred Stock	-0.1%	+4.9%	+0.0%	+0.0%	+2.5%	+25.2%	+86.9%	+240.1%	+0.0%	—
Additional Paid In Capital	+0.5%	+0.5%	+0.5%	+16.5%	+0.3%	+0.3%	+0.4%	+0.2%	+0.3%	—
Treasury Stock	+8.6%	+17.7%	+18.0%	+3.1%	+6.4%	+6.2%	+38.9%	+48.6%	+66.9%	—
Total Liabilitiesand Equity	+4.1%	-2.0%	-2.1%	+20.3%	+2.8%	+10.6%	+3.2%	+5.4%	+1.9%	—

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	-5.1%	-0.2%	+44.5%	+45.5%	-9.4%	-13.4%	+7.5%	+17.0%	+15.3%	—
Interest Expense Interest Expense	-16.3%	+14.9%	+278.1%	+209.1%	-56.0%	-51.0%	+28.5%	+64.1%	+47.0%	—
net Interest Income net Interest Income	+3.9%	-9.7%	+3.8%	+33.2%	-1.6%	-0.6%	+1.8%	+8.6%	+11.0%	—
Noninterest Income Total Noninterest Income	+10.0%	+9.7%	-1.3%	-5.9%	-7.9%	+23.5%	+17.6%	+4.0%	+2.5%	—
Expenses Noninterest Expense	-0.0%	-4.4%	+26.6%	+19.9%	+2.3%	+3.7%	+6.3%	+4.2%	+3.6%	—
Income Tax Income Tax Expense	+31.1%	-10.2%	-27.5%	-11.6%	+173.0%	-47.6%	-0.4%	+77.7%	-46.8%	—
net Income net Income	+21.3%	-6.2%	-22.4%	-10.6%	+119.4%	-41.0%	+4.1%	+4.2%	+58.1%	—
Earnings Per Share Diluted Eps	+27.4%	-3.2%	-23.7%	-20.5%	+132.4%	-41.7%	+8.2%	+8.3%	+65.0%	—
Earnings Per Share Basic Eps	+27.9%	-2.9%	-23.8%	-20.5%	+133.3%	-41.9%	+7.9%	+8.6%	+65.5%	—
Earnings Per Share Weighted Average Shares Diluted	-3.7%	-4.9%	-0.2%	+11.8%	-0.2%	-5.1%	-6.1%	-4.6%	-3.9%	—

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	+10.5%	-32.4%	-28.1%	+81.1%	+1949.5%	-93.5%	-4.0%	-6.2%	+26.4%	—
Operating Activities net Income	+21.3%	-6.2%	-22.4%	-10.6%	+119.4%	-41.0%	+4.1%	+4.2%	+58.1%	—
Operating Activities Depreciation and Amortization	-4.0%	+4.2%	-15.4%	-9.6%	+8.1%	-8.7%	+29.4%	+0.4%	—	—
Operating Activities Stock Based Compensation	+23.7%	+11.5%	+3.6%	+42.4%	+22.9%	+17.1%	+0.0%	-14.6%	+108.7%	—
Operating Activities Other Non Cash Items	-111.7%	-113.1%	-43.6%	+291.9%	+53.7%	-104.7%	-58.7%	-59.2%	-226.9%	—
Investing Activities net Cash From Investing Activities	-299.8%	-43.1%	+141.5%	-20.5%	-70.9%	-58.3%	+45.2%	-77.6%	+64.8%	—
Investing Activities Capital Expenditures	-42.6%	+29.1%	-36.5%	-1.6%	-5.1%	-24.2%	+59.1%	+43.7%	-36.0%	—
Investing Activities Other Investing Activities	-286.3%	-42.6%	+143.3%	-20.7%	-72.2%	-59.2%	+44.8%	-91.6%	+67.6%	—
Financing Activities net Cash From Financing Activities	+197.8%	+15.6%	-171.9%	+113.7%	-69.8%	+931.7%	-76.5%	+344.5%	-86.3%	—
Financing Activities Dividends Paid	+1.7%	+2.7%	-4.0%	-13.9%	-1.7%	-12.9%	-40.6%	-44.3%	-31.8%	—
Financing Activities Repurchase of Common Stock	+45.5%	-21.4%	-492.2%	+48.1%	-9.3%	+77.9%	-19.0%	-25.0%	-90.7%	—
Financing Activities Other Financing Activities	+281.4%	+23.3%	-148.3%	+91.7%	-65.2%	+383.8%	-56.9%	+204.1%	-76.8%	—
Cash Reconciliation net Change In Cash	+307.0%	-195.0%	-22.2%	+138.9%	-138.2%	+1458.6%	-166.0%	+255.1%	-208.6%	—

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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