Income StatementBalance SheetCash FlowSegments
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Citizens Financial Group Business Segments

Business, geographic, and product segment breakdowns

Citizens Financial Group generates $8.5B in annual revenue across 3 key segments: Commercial Banking ($719.0M), Consumer Banking ($1.6B), and Other (-). Based on the Q1 2026 filing.

Commercial Banking$719.0MConsumer Banking$1.6BOther (TTM)-
Latest FilingQ1 2026
Report Date2026-05-04
Market Cap$25.9B
P/E Ratio13.10
ROE7.74%

Products & Services

Revenue from contracts with customers

SegmentQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Capital markets fees$115.0M$95.0M$95.0M$158.0M$137.0M$120.0M
Service charges and fees$107.0M$108.0M$111.0M$111.0M$112.0M$111.0M
Wealth fees$75.0M$81.0M$88.0M$93.0M$98.0M$100.0M
Card fees$96.0M$80.0M$87.0M$85.0M$83.0M$80.0M
Other banking fees$4.0M$3.0M$2.0M$5.0M$3.0M$4.0M

Trailing commission income

SegmentQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Wealth fees—$4.0M$4.0M$4.0M$4.0M$4.0M

Business Segments

D&A

SegmentQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Consumer Banking$29.0M$31.0M$32.0M$30.0M$29.0M$31.0M
Commercial Banking$6.0M$5.0M$5.0M$5.0M$5.0M$4.0M

Direct expenses

SegmentQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Consumer Banking$597.0M$669.0M$679.0M$692.0M$701.0M$724.0M
Commercial Banking$209.0M$218.0M$219.0M$223.0M$251.0M$228.0M

Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest

SegmentQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Consumer Banking—$450.0M$503.0M$513.0M—$509.0M
Commercial Banking—$252.0M$270.0M$323.0M—$321.0M

Income Tax

SegmentQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Consumer Banking—$114.0M$127.0M$130.0M—$131.0M
Commercial Banking—$56.0M$64.0M$75.0M—$78.0M

Indirect expenses

SegmentQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Consumer Banking$347.0M$285.0M$284.0M$287.0M$283.0M$304.0M
Commercial Banking$104.0M$109.0M$98.0M$110.0M$106.0M$106.0M

Net Income

SegmentQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Consumer Banking—$336.0M$376.0M$383.0M—$378.0M
Commercial Banking—$196.0M$206.0M$248.0M—$243.0M

Net Interest Income

SegmentQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Consumer Banking—$1.2B$1.2B$1.3B—$1.3B
Commercial Banking—$441.0M$439.0M$448.0M—$456.0M

Noninterest Expense

SegmentQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Consumer Banking$944.0M$954.0M$963.0M$979.0M$984.0M$1.0B
Commercial Banking$313.0M$327.0M$317.0M$333.0M$357.0M$334.0M

Noninterest income

SegmentQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Consumer Banking$311.0M$297.0M$329.0M$311.0M$315.0M$299.0M
Commercial Banking$232.0M$215.0M$232.0M$286.0M$262.0M$263.0M
Other$34.3M$36.8M$36.8M$36.8M$36.8M—

Profit (Loss) Before Provision for Credit Losses

SegmentQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Consumer Banking—$536.0M$584.0M$594.0M—$580.0M
Commercial Banking—$329.0M$354.0M$401.0M—$385.0M

Provision (benefit) for credit losses

SegmentQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Consumer Banking$82.0M$86.0M$81.0M$81.0M$80.0M$71.0M
Commercial Banking$91.0M$77.0M$84.0M$78.0M$70.0M$64.0M

Revenue from contracts with customers

SegmentQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Consumer Banking—$1.5B$1.5B$1.6B—$1.6B
Commercial Banking—$656.0M$671.0M$734.0M—$719.0M
Other$6.3M$0.0$0.0$0.0$0.0—

Total average assets

SegmentQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Consumer Banking—$77.5B$78.8B$80.7B—$83.9B
Commercial Banking—$65.4B$66.3B$66.1B—$67.7B

Total revenue from other sources

SegmentQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Commercial Banking—$71.0M$88.0M$79.0M—$94.0M
Consumer Banking—$74.0M$90.0M$66.0M—$57.0M
Other$28.0M$36.8M$36.8M$36.8M$36.8M—