Citizens Financial Group, Inc.
Citizens Financial Group, Inc. is classed by the SEC under State Commercial Banks (industry code 6022), based in Providence, RI. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $1.6 billion and a profit of $1.7 billion (its filed statements).
vs its business-model standard
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6022, State Commercial Banks); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 5.9 out of ten, 9 of 9 metrics filed: past 7.3 out of ten, present 5.3 out of ten, future 4.5 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
- Surviving crises (past): 7.8 out of ten. No warning events in its filings since 2017. 78th percentile among 165 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Track record (past): 3.5 out of ten. +5.1% a year over 10 filed years; profitable in 10 of 10. 35th percentile among 152 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Shareholder treatment (past): 9.2 out of ten. Share count shrank 2.9% a year. 68% of cash flow returned. Insiders: 3 sales, 0 purchases. 92nd percentile among 157 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Financial health (present): 5.9 out of ten. ROE 7%: 7¢ of profit per shareholder dollar. Leverage 88%: owes 88¢ per asset dollar. 59th percentile among 161 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Industry position (present): 5.1 out of ten. top 49% of 155 in its family; net margin 22.2%. 51st percentile among 155 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Leadership (present): 4.4 out of ten. bottom 44% of 150 in its family for leadership; chief executive since 2014. 44th percentile among 150 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
- Room to expand (future): 3.9 out of ten. bottom 39% of 142 in its family for room to expand. 39th percentile among 142 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Growth drivers (future): 2.5 out of ten. bottom 25% of 152 in its family for growth drivers. 25th percentile among 152 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Expectations vs reality (future): 7.0 out of ten. top 30% of 150 in its family for expectations against reality. 70th percentile among 150 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-02-12 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-03 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-16 (on EDGAR). Newest filing: Form 8-K, 2026-10-08. Filings on record since 1999. Read from EDGAR 2026-10-12.
Who runs it
Van, Saun Bruce (Chairman and CEO); Mccree, Donald H III (Chair of the Commercial Bank); Coughlin, Brendan (President); Banerjee, Aunoy (Chief Financial Officer); Emerson, Christopher R (Interim CFO); Stein, Richard L. (Chief Risk Officer); Moosally, Michelle (Chief Legal Officer); Lamonica, Susan (Chief Human Resources Officer); Ruttledge, Michael (Chief Information Officer); Schnirel, Christopher J (Chief Accounting Officer); and 14 more. 24 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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