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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$28.1B
P/E Ratio14.24
ROE7.74%

Operating Expenses

MetricQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Compensation and benefits$674M$696M$681M$705M$716M$758M
Occupancy and equipment$112M$112M$108M$106M$109M$114M
Other operating expenses$167M$157M$168M$166M$171M$147M
Professional fees$170M$155M$169M$161M$148M$162M
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$0.84$0.78$0.93$1.06$1.14$1.14
Diluted earnings per share$0.83$0.77$0.92$1.05$1.12$1.13
Weighted-average shares, basic450.7M438.3M433.6M431.4M433.2M425.3M
Weighted-average shares, diluted453.5M442.2M436.5M435.5M436.9M429.9M

Income Before Tax

MetricQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Income before income taxes$508M$468M$554M$629M$677M$650M

Tax

MetricQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Income tax expense$107M$95M$118M$135M$149M$133M

Other Income & Expense

MetricQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Interest expense$1.1B$961M$970M$970M$909M$858M
Other income (expense), net$28M$22M$42M$31M$41M$34M

Net Income

MetricQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Net income$401M$373M$436M$494M$528M$517M

Revenue

MetricQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
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
Interest And Fee Income Loans Held For Sale Mortgages$21M$16M$36M$31M$22M$21M
Total interest income$2.5B$2.4B$2.4B$2.5B$2.4B$2.4B
Total noninterest income$574M$544M$600M$630M$620M$606M
Total revenue$2B$1.9B$2B$2.1B$2.2B$2.2B

Other

MetricQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Capital markets fees$121M$100M$105M$166M$140M$134M
Realized gain$4M$7M$5M$2M$8M$7M
Equipment$193M$194M$193M$197M$199M$197M
Card fees$97M$83M$90M$87M$86M$83M
Fees And Commissions Mortgage Banking And Servicing$60M$59M$73M$49M$52M$42M
Provision (benefit) for credit losses$162M$153M$164M$154M$137M$140M
Foreign exchange and derivative products—$39M$41M$42M—$44M
Interest and Dividend Income, Operating$2.5B$2.4B$2.4B$2.5B$2.4B$2.4B
Interest and Dividend Income, Securities, Operating$419M$418M$428M$433M$434M$424M
Interest And Fee Income Loans And Leases Held In Portfolio$1.9B$1.8B$1.9B$1.9B$1.9B$1.9B
Interest Expense, Deposits$883M$795M$802M$816M$781M$715M
Interest Expense, Long-Term Debt$166M$158M$159M$149M$128M$139M
Interest Income, Deposits with Financial Institutions$112M$89M$92M$97M$89M$91M
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—$44M$45M$48M—$50M
Noninterest Expense$1.3B$1.3B$1.3B$1.3B$1.3B$1.4B
Total other income$28M$22M$42M$31M$41M$34M
Service charges and fees$109M$109M$111M$112M$112M$112M
Wealth fees$75M$81M$88M$93M$98M$100M

Cost of Revenue

MetricQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Total interest expense (banking)$166M$158M$159M$149M$128M$139M