Citizens Financial Group, Inc. (CFG)

Citizens Financial Group Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Quarter	Q3 2026	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022	Q1 2022	Q4 2021
Period Ending	Sep 30, 2026	Jun 30, 2026	Mar 31, 2026	Dec 31, 2025	Sep 30, 2025	Jun 30, 2025	Mar 31, 2025	Dec 31, 2024	Sep 30, 2024	Jun 30, 2024	Mar 31, 2024	Dec 31, 2023	Sep 30, 2023	Jun 30, 2023	Mar 31, 2023	Dec 31, 2022	Sep 30, 2022	Jun 30, 2022	Mar 31, 2022	Dec 31, 2021
Interest Income on Loans	2,056	1,994	1,905	1,923	1,928	1,887	1,845	1,931	1,995	2,028	2,071	2,166	2,194	2,164	2,067	1,919	1,690	1,412	1,071	1,079
Interest Income on Investments	565	549	515	523	530	520	507	531	544	547	539	510	401	367	335	333	279	214	142	123
Total Interest Income	2,621	2,543	2,420	2,446	2,458	2,407	2,352	2,462	2,539	2,575	2,610	2,676	2,595	2,531	2,402	2,252	1,969	1,626	1,213	1,202
Interest Paid on Deposits	767	747	715	781	816	802	795	883	990	965	987	974	898	723	550	396	176	54	25	33
Interest Paid on Borrowings	179	165	143	128	154	168	166	167	180	200	181	214	175	220	209	161	128	67	41	43
Total Interest Expense	946	912	858	909	970	970	961	1,050	1,170	1,165	1,168	1,188	1,073	943	759	557	304	121	66	76
Net Interest Income	1,675	1,631	1,562	1,537	1,488	1,437	1,391	1,412	1,369	1,410	1,442	1,488	1,522	1,588	1,643	1,695	1,665	1,505	1,147	1,126
Net Interest Income Growth (YoY)	12.57%	13.50%	12.29%	8.85%	8.69%	1.92%	-3.54%	-5.11%	-10.05%	-11.21%	-12.23%	-12.21%	-8.59%	5.51%	43.24%	50.53%	45.41%	33.90%	2.69%	-0.27%
Trust Income	109	102	100	98	93	88	81	75	76	75	68	68	63	65	63	61	61	66	61	60
Mortgage Banking Activities	35	42	42	52	49	73	59	60	46	54	49	57	69	59	57	54	66	72	69	76
Gain (Loss) on Sale of Investments	11	6	7	8	2	5	7	4	9	-	5	9	5	9	5	4	-	1	4	1
Other Non-Interest Income	492	502	457	462	486	434	397	435	401	424	395	366	355	373	360	355	385	386	364	457
Total Non-Interest Income	647	652	606	620	630	600	544	574	532	553	517	500	492	506	485	474	512	525	498	594
Non-Interest Income Growth (YoY)	2.70%	8.67%	11.40%	8.01%	18.42%	8.50%	5.22%	14.80%	8.13%	9.29%	6.60%	5.49%	-3.91%	-3.62%	-2.61%	-20.20%	-0.39%	8.25%	-8.12%	2.77%
Revenues Before Loan Losses	2,322	2,283	2,168	2,157	2,118	2,037	1,935	1,986	1,901	1,963	1,959	1,988	2,014	2,094	2,128	2,169	2,177	2,030	1,645	1,720
Provision for Loan Losses	125	134	140	137	154	164	153	162	172	182	171	171	172	176	168	132	123	240	-21	-25
Revenue	2,197	2,149	2,028	2,020	1,964	1,873	1,782	1,824	1,729	1,781	1,788	1,817	1,842	1,918	1,960	2,037	2,054	1,790	1,666	1,745
Revenue Growth (YoY)	11.86%	14.74%	13.80%	10.75%	13.59%	5.17%	-0.34%	0.39%	-6.13%	-7.14%	-8.78%	-10.80%	-10.32%	7.15%	17.65%	16.73%	21.39%	-1.76%	-7.39%	10.23%
Salaries and Employee Benefits	750	745	725	693	705	681	665	653	647	645	657	653	659	615	625	617	639	667	542	539
Occupancy Expenses	-	-	-	435	-	-	-	447	-	-	-	492	-	-	-	410	-	-	-	333
Selling, General & Administrative	530	520	547	85	508	515	532	95	488	517	533	81	506	550	540	103	491	524	480	115
Other Non-Interest Expense	113	129	106	156	122	123	117	130	124	139	168	386	128	141	131	110	111	114	84	74
Total Non-Interest Expense	1,393	1,394	1,378	1,369	1,335	1,319	1,314	1,325	1,259	1,301	1,358	1,612	1,293	1,306	1,296	1,240	1,241	1,305	1,106	1,061
EBT Excluding Unusual Items	804	755	650	651	629	554	468	499	470	480	430	205	549	612	664	797	813	485	560	684
Other Unusual Items	-	-	-	26	-	-	-	9	-	-	-	-	-	-	-	-	-	-	-	-
Pretax Income	804	755	650	677	629	554	468	508	470	480	430	205	549	612	664	828	813	478	536	684
Income Tax Expense	168	168	133	149	135	118	95	107	88	88	96	16	119	134	153	175	177	114	116	154
Net Income	636	587	517	528	494	436	373	401	382	392	334	189	430	478	511	653	636	364	420	530
Preferred Dividends & Other Adjustments	37	33	33	39	37	34	33	34	38	35	30	30	30	34	23	32	25	32	24	32
Net Income to Common	599	554	484	489	457	402	340	367	344	357	304	159	400	444	488	621	611	332	396	498
Net Income Growth (YoY)	31.07%	37.81%	42.35%	33.24%	32.85%	12.61%	11.84%	130.82%	-14.00%	-19.60%	-37.70%	-74.40%	-34.53%	33.73%	23.23%	24.70%	21.23%	-46.10%	-32.65%	17.45%
Basic Shares Outstanding	421	423	425	429	431	434	438	441	447	454	461	466	469	479	485	493	496	491	423	425
Diluted Shares Outstanding	426	427	430	434	435	437	442	445	450	457	464	468	471	481	488	495	497	493	425	427
Shares Change (YoY)	-2.25%	-2.26%	-2.78%	-2.42%	-3.21%	-4.38%	-4.66%	-4.98%	-4.51%	-5.08%	-4.90%	-5.51%	-5.29%	-2.50%	14.74%	16.07%	16.28%	15.37%	-0.66%	-0.47%
EPS (Basic)	1.42	1.31	1.14	1.14	1.06	0.93	0.78	0.83	0.77	0.79	0.66	0.34	0.85	0.93	1.01	1.26	1.23	0.68	0.94	1.17
EPS (Diluted)	1.41	1.30	1.13	1.12	1.05	0.92	0.77	0.83	0.77	0.78	0.65	0.34	0.85	0.92	1.00	1.25	1.23	0.68	0.93	1.17
EPS Growth (YoY)	34.29%	41.30%	46.75%	34.78%	36.36%	17.95%	18.46%	145.79%	-9.41%	-15.22%	-35.00%	-72.90%	-30.89%	36.20%	7.61%	6.78%	4.24%	-53.09%	-32.17%	18.30%

Additional Metrics

Fiscal Quarter	Q3 2026	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022	Q1 2022	Q4 2021
Period Ending	Sep 30, 2026	Jun 30, 2026	Mar 31, 2026	Dec 31, 2025	Sep 30, 2025	Jun 30, 2025	Mar 31, 2025	Dec 31, 2024	Sep 30, 2024	Jun 30, 2024	Mar 31, 2024	Dec 31, 2023	Sep 30, 2023	Jun 30, 2023	Mar 31, 2023	Dec 31, 2022	Sep 30, 2022	Jun 30, 2022	Mar 31, 2022	Dec 31, 2021
Dividend Per Share	0.460	0.460	0.460	0.460	0.420	0.420	0.420	0.420	0.420	0.420	0.420	0.420	0.420	0.420	0.420	0.420	0.420	0.390	0.390	0.390
Dividend Growth (YoY)	9.52%	9.52%	9.52%	9.52%	0%	0%	0%	0%	0%	0%	0%	0%	0%	7.69%	7.69%	7.69%	7.69%	0%	0%	0%
Effective Tax Rate	20.89%	22.25%	20.46%	22.01%	21.46%	21.30%	20.30%	21.06%	18.72%	18.33%	22.33%	7.80%	21.68%	21.89%	23.04%	21.14%	21.77%	23.85%	21.64%	22.52%

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 6, 2026

Data Sources Report a data error