Income StatementBalance SheetCash FlowSegments
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Citizens Financial Group Income Statement

Revenue, expenses, and profitability over time

Citizens Financial Group generated $8.5B in trailing twelve-month revenue, up 0.1% year-over-year. Net income was $2.0B with a 23.29% net margin. Diluted EPS is $4.22, which grew 0.3% year-over-year. Based on the Q1 2026 filing.

Total Revenue (TTM)$8.5BNet Income (TTM)$2.0BEps Diluted (TTM)$4.22
Latest FilingQ1 2026
Report Date2026-05-04
Market Cap$25.9B
P/E Ratio13.10
ROE7.74%

Revenue

MetricQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Interest and dividend income, securities$419.0M$418.0M$428.0M$433.0M$434.0M$424.0M
Interest Income on Deposits with Banks$112.0M$89.0M$92.0M$97.0M$89.0M$91.0M
Net interest income$1.4B$1.4B$1.4B$1.5B$1.5B$1.6B
Net interest income after provision for credit losses$1.3B$1.2B$1.3B$1.3B$1.4B$1.4B
Total interest income$2.5B$2.4B$2.4B$2.5B$2.4B$2.4B
Total noninterest income$574.0M$544.0M$600.0M$630.0M$620.0M$606.0M
Total revenue$2.0B$1.9B$2.0B$2.1B$2.2B$2.2B
Interest and Fee Income from Mortgages Held-for-Sale$21.0M$16.0M$36.0M$31.0M$22.0M$21.0M
Interest Income from Loans Held in Portfolio$1.9B$1.8B$1.9B$1.9B$1.9B$1.9B
Mortgage Banking Income$60.0M$59.0M$73.0M$49.0M$52.0M$42.0M

Cost of Revenue

MetricQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Interest Expense on Long-Term Debt$166.0M$158.0M$159.0M$149.0M$128.0M$139.0M
Interest Expense on Short-Term Borrowings$1.0M$8.0M$9.0M$5.0M$0.0$4.0M
Total interest expense (banking)$166.0M$158.0M$159.0M$149.0M$128.0M$139.0M
Interest Expense on Short-Term Borrowings$1.0M$8.0M$9.0M$5.0M$0.0$4.0M

Net Income

MetricQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Net income applicable to common shareholders$367.0M$340.0M$402.0M$457.0M$489.0M$484.0M
Net earnings to common$367.0M$340.0M$402.0M$457.0M$489.0M$484.0M
Net Income Available to Common Shareholders$367.0M$340.0M$402.0M$457.0M$489.0M$484.0M
Net income$401.0M$373.0M$436.0M$494.0M$528.0M$517.0M
Net income attributable to common stock$367.0M$340.0M$402.0M$457.0M$489.0M$484.0M

Other

MetricQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Reclassifications Net of Tax$367.0M$340.0M$402.0M$457.0M$489.0M$484.0M
Capital markets fees$121.0M$100.0M$105.0M$166.0M$140.0M$134.0M
Realized gain$4.0M$7.0M$5.0M$2.0M$8.0M$7.0M
Equipment$193.0M$194.0M$193.0M$197.0M$199.0M$197.0M
Card fees$97.0M$83.0M$90.0M$87.0M$86.0M$83.0M
Provision (benefit) for credit losses$162.0M$153.0M$164.0M$154.0M$137.0M$140.0M
Foreign exchange and derivative products—$39.0M$41.0M$42.0M—$44.0M
Interest and Dividend Income, Operating$2.5B$2.4B$2.4B$2.5B$2.4B$2.4B
Interest and Dividend Income, Securities, Operating$419.0M$418.0M$428.0M$433.0M$434.0M$424.0M
Interest Expense, Deposits$883.0M$795.0M$802.0M$816.0M$781.0M$715.0M
Interest Expense, Long-Term Debt$166.0M$158.0M$159.0M$149.0M$128.0M$139.0M
Interest Income, Deposits with Financial Institutions$112.0M$89.0M$92.0M$97.0M$89.0M$91.0M
Interest Income (Expense), after Provision for Loan Loss$1.3B$1.2B$1.3B$1.3B$1.4B$1.4B
Interest Income (Expense), Operating$1.4B$1.4B$1.4B$1.5B$1.5B$1.6B
Letter of credit and loan fees—$44.0M$45.0M$48.0M—$50.0M
Noninterest Expense$1.3B$1.3B$1.3B$1.3B$1.3B$1.4B
Total other income$28.0M$22.0M$42.0M$31.0M$41.0M$34.0M
Service charges and fees$109.0M$109.0M$111.0M$112.0M$112.0M$112.0M
Wealth fees$75.0M$81.0M$88.0M$93.0M$98.0M$100.0M

Operating Expenses

MetricQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Compensation and benefits$674.0M$696.0M$681.0M$705.0M$716.0M$758.0M
Occupancy and equipment$112.0M$112.0M$108.0M$106.0M$109.0M$114.0M
Other operating expenses$167.0M$157.0M$168.0M$166.0M$171.0M$147.0M
Professional fees$170.0M$155.0M$169.0M$161.0M$148.0M$162.0M
Total operating expenses$1.3B$1.3B$1.3B$1.3B$1.3B$1.4B

Earnings Per Share

MetricQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Basic earnings per share$0.83$0.78$0.93$1.06$1.13$1.14
Diluted earnings per share$0.83$0.77$0.92$1.05$1.12$1.13
Weighted-average shares, basic—438.3M433.6M431.4M—425.3M
Weighted-average shares, diluted—442.2M436.5M435.5M—429.9M

Income Before Tax

MetricQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Income before income taxes$508.0M$468.0M$554.0M$629.0M$677.0M$650.0M

Tax

MetricQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Income tax expense$107.0M$95.0M$118.0M$135.0M$149.0M$133.0M

Other Income & Expense

MetricQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Interest expense$1.1B$961.0M$970.0M$970.0M$909.0M$858.0M
Other income (expense), net$28.0M$22.0M$42.0M$31.0M$41.0M$34.0M