Citizens Financial Group, Inc. (CFG)
NYSE: CFG · Real-Time Price · USD
64.37
-0.56 (-0.86%)
At close: Nov 3, 2026, 4:00 PM EST
64.37
0.00 (0.00%)
After-hours: Nov 3, 2026, 7:00 PM EST
Citizens Financial Group Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Interest Income on Loans | 7,878 | 7,583 | 8,025 | 8,591 | 6,092 | 4,348 |
Interest Income on Investments | 2,152 | 2,080 | 2,161 | 1,613 | 968 | 503 |
Total Interest Income | 10,030 | 9,663 | 10,186 | 10,204 | 7,060 | 4,851 |
Interest Paid on Deposits | 3,010 | 3,194 | 3,825 | 3,145 | 651 | 160 |
Interest Paid on Borrowings | 615 | 616 | 728 | 818 | 397 | 179 |
Total Interest Expense | 3,625 | 3,810 | 4,553 | 3,963 | 1,048 | 339 |
Net Interest Income | 6,405 | 5,853 | 5,633 | 6,241 | 6,012 | 4,512 |
Net Interest Income Growth | 11.82% | 3.91% | -9.74% | 3.81% | 33.25% | -1.61% |
Trust Income | 409 | 360 | 294 | 259 | 249 | 239 |
Mortgage Banking Activities | 171 | 233 | 209 | 242 | 261 | 434 |
Gain (Loss) on Sale of Investments | 32 | 22 | 18 | 28 | 9 | 10 |
Other Non-Interest Income | 1,913 | 1,779 | 1,655 | 1,454 | 1,490 | 1,452 |
Total Non-Interest Income | 2,525 | 2,394 | 2,176 | 1,983 | 2,009 | 2,135 |
Non-Interest Income Growth | 7.54% | 10.02% | 9.73% | -1.29% | -5.90% | -7.93% |
Revenues Before Loan Losses | 8,930 | 8,247 | 7,809 | 8,224 | 8,021 | 6,647 |
Provision for Loan Losses | 536 | 608 | 687 | 687 | 474 | -411 |
| 8,394 | 7,639 | 7,122 | 7,537 | 7,547 | 7,058 | |
Revenue Growth | 12.78% | 7.26% | -5.51% | -0.13% | 6.93% | 33.45% |
Salaries and Employee Benefits | 2,836 | 2,678 | 2,560 | 2,512 | 2,465 | 2,073 |
Occupancy Expenses | 435 | 435 | 447 | 492 | 410 | 333 |
Selling, General & Administrative | 1,759 | 1,706 | 1,675 | 1,717 | 1,598 | 1,375 |
Other Non-Interest Expense | 504 | 518 | 521 | 561 | 419 | 300 |
Total Non-Interest Expense | 5,534 | 5,337 | 5,203 | 5,282 | 4,892 | 4,081 |
EBT Excluding Unusual Items | 2,860 | 2,302 | 1,919 | 2,255 | 2,655 | 2,977 |
Other Unusual Items | 26 | 26 | -31 | -225 | - | - |
Pretax Income | 2,886 | 2,328 | 1,888 | 2,030 | 2,655 | 2,977 |
Income Tax Expense | 618 | 497 | 379 | 422 | 582 | 658 |
Net Income | 2,268 | 1,831 | 1,509 | 1,608 | 2,073 | 2,319 |
Preferred Dividends & Other Adjustments | 142 | 143 | 137 | 117 | 113 | 113 |
Net Income to Common | 2,126 | 1,688 | 1,372 | 1,491 | 1,960 | 2,206 |
Net Income Growth | 35.76% | 23.03% | -7.98% | -23.93% | -11.15% | 132.21% |
Basic Shares Outstanding | 425 | 433 | 451 | 475 | 476 | 426 |
Diluted Shares Outstanding | 429 | 437 | 454 | 477 | 478 | 427 |
Shares Change | -2.42% | -3.67% | -4.86% | -0.23% | 11.78% | -0.17% |
EPS (Basic) | 5.01 | 3.90 | 3.04 | 3.14 | 4.12 | 5.18 |
EPS (Diluted) | 4.95 | 3.86 | 3.03 | 3.13 | 4.10 | 5.16 |
EPS Growth | 38.61% | 27.39% | -3.19% | -23.66% | -20.54% | 132.43% |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Dividend Per Share | 1.840 | 1.720 | 1.680 | 1.680 | 1.620 | 1.560 |
Dividend Growth | 9.52% | 2.38% | 0% | 3.70% | 3.85% | 0% |
Effective Tax Rate | 21.41% | 21.35% | 20.07% | 20.79% | 21.92% | 22.10% |