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CITIZENS FINANCIAL GROUP INC/RIEvidence as of 2026-09-02Overview · CITIZENS FINANCIAL GROUP INC/RI
Citizens Financial Group, Inc. operates as the bank holding company for Citizens Bank, National Association that provides retail and commercial banking products and services to individuals, small businesses, middle-market companies, corporations, and institutions in the United States. The company operates in two segments, Consumer Banking and Commercial Banking. The Consumer Banking segment offers deposit products, m…
Management team
- Ms. Susan A. LaMonica · Executive VP & Chief HR OfficerFind on LinkedIn
- Mr. Donald H. McCree III · Senior VC & Head of Commercial Banking DivisionFind on LinkedIn
- Mr. Brendan Coughlin · Vice Chair & Head of the Consumer BankingFind on LinkedIn
- Sal J. Di Liberti · Senior Vice President of BenefitsFind on LinkedIn
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Links open LinkedIn searches, not verified profiles. Team data from our market-data vendor's company profile.
Moneyta sentiment
Where the published evidence leans after the desk debated it — not a rating or a recommendation.
+0.2 on a −2 to +2 scale — was +0.3 before the debate changed the read.
What builds the score
Solid bars are analyst rubric scores; faded bars are computed directly from data. Claims dropped in debate count for nothing; weakened claims count at half weight.
Editor's note
Written after the debate settled — the rest of the page is the evidence behind it.
The evidence balance is Mixed (+0.2 of a possible +2; was +0.3 before debate) with high confidence. Reported revenues rose from $1,935,000,000 in fiscal Q1 2025 (fiscal quarter ended 2025-04-25) to $2,283,000,000 in fiscal Q2 2026 (fiscal quarter ended 2026-07-24), while net income increased from $373,000,000 to $587,000,000 over the same two points. Diluted EPS moved from $0.77 in fiscal Q1 2025 to $1.30 in fiscal Q2 2026, shares outstanding fell from 440,700,533 as of 2024-10-25 to 421,176,788 as of 2026-07-24 amid repurchases (reported $200,000,000 in fiscal Q1 2025 and $300,000,000 in fiscal Q1 2026), and long-term debt rose to $15,190,000,000 as of 2026-06-30 from $12,401,000,000 as of 2024-12-31.
Market signals are mixed: momentum measures are positive (momentum_3m +9.4%, momentum_6m +15.0%, momentum_12_1 +55.9%) and the 200-day position is positive (price vs sma200 +7.6%, golden_cross = true), while price is slightly under the 50-day (price_vs_sma50 −4.6%). Valuation and balance-sheet metrics show a TTM P/E of 15.49, market cap $28,707,409,870, EV $39,823,409,870, reported cash $4,074,000,000 and implied net debt roughly $11,116,000,000; EV/OCF is about 23.0 using TTM operating cash flow of $1,732,000,000.
How this note was made
every stage ran before the note was writtenAnalyst desk
Mercer, Oakes, Nash, Ellis, Yates, Talbot and Archer. The desk: named AI agents, not people. Each reads one slice of the evidence and nothing else — no outside knowledge, no browsing — so every finding traces to a source you can open.
Reads the XBRL figures companies file with the SEC — revenue, margins, income, debt and share count, quarter by quarter — and reports which way the trend is running.
Reported Revenues rose from $1,935,000,000 in fiscal Q1 2025 (2025-01-01 to 2025-03-31) to $2,283,000,000 in fiscal Q2 2026 (2026-04-01 to 2026-06-30).
XBRL companyfacts · 0000759944-25-000070Net income increased across the period shown, from $373,000,000 in fiscal Q1 2025 (2025-01-01 to 2025-03-31) to $587,000,000 in fiscal Q2 2026 (2026-04-01 to 2026-06-30).
XBRL companyfacts · 0000759944-25-000070Reads the filings themselves, above all the year-over-year diff of Item 1A risk factors: which risks a company added, dropped or quietly reworded since its last annual report.
Which filings the desk reads
The desk reads the annual 10-K in full — its risk factors, and how they changed since last year. Quarterly 10-Qs and event filings (8-Ks, insider Form 4s) are listed for context but not read line by line: the 10-K is where the material risk disclosures live. A brand-new company, or one we have only just begun tracking, may have no annual report on file yet — its risk analysis fills in once that lands.
Net income was $587 million for the three months ended June 30, 2026 and $1.1 billion for the six months ended June 30, 2026, with diluted EPS of $1.30 and $2.42 for the three- and six-month periods, respectively, compared with the same periods in 2025.
Management's discussion · filed 2026-08-03At June 30, 2026, the company reported total assets of $233.8 billion, total deposits of $185.6 billion, and total stockholders' equity of $26.2 billion.
Management's discussion · filed 2026-08-03Reads the signal panel above — momentum, volatility, drawdown, relative strength and beta — and ranks each against the whole research universe rather than judging it in isolation.
Momentum measures are positive: momentum_3m is +9.4%, momentum_6m is +15.0%, and momentum_12_1 is +55.9%.
Moneyta signal set · 2026-09-01weakened in debateCross-sectional momentum ranks are above median: rank_momentum_6m is 70th percentile of 547 and rank_momentum_12_1 is 86th percentile of 547.
Moneyta signal set · 2026-09-01weakened in debateReads which funds hold the name and at what weight, plus insider Form 4 filings, to show the exposure you may already carry through index funds.
Reported 13F institutional holdings totaled "$23.16B" as of the period ended 2026-03-31.
13F holdings · 1015 filers · as of 2026-03-31Top reported institutional holders in the 13F for the period ended 2026-03-31 included BlackRock, Inc. ($2.83B), Capital World Investors ($1.67B), VANGUARD CAPITAL MANAGEMENT LLC ($1.61B, flagged as a new position), Invesco Ltd. ($1.37B), and STATE STREET CORP ($1.22B).
13F holdings · 1015 filers · as of 2026-03-31Reads recent headlines that are genuinely about this company, ignoring rating chatter and market-wide stories. Findings argue in the debate but never move the sentiment score.
The company announced it will redeem all outstanding shares of its Series G preferred stock, with coverage published as a press release on 1 September 2026.
News · businesswire.com · 2026-09-01A second outlet republished the redemption announcement on 1 September 2026 and included the stated redemption date of October 6, 2026 and the Series G CUSIP note in its summary.
News · finance.yahoo.com · 2026-09-01Reads parsed Forms 3/4/5 — who bought or sold, at what size, and whether a 10b5-1 plan was involved. Flags clustered open-market officer buying; treats plan sales as routine and never counts a fund or 10%-holder as an officer.
Bruce Van Saun (Chairman and CEO) reported sale(s) of 129,369 shares with reported proceeds of "$9.3M" on 24 July 2026.
Form 4 · VAN SAUN BRUCE (Chairman and CEO) · $9.3M sold · 2026-07-24Richard L. Stein (Chief Risk Officer) reported an action with value "$332k" for 4,913 shares on 15 June 2026 (action listed as code F in the filing).
Form 4 · Stein Richard L. (Chief Risk Officer) · $332k code F · 2026-06-15Reads the implied-expectations math built from the company's own filings (the growth rate today's price would justify, and the multiples beside it) and argues whether the market's bar looks high or low for this business. Never turns the math into a target.
The trailing twelve-month price-to-earnings ratio is 15.49 (price 68.16 divided by EPS ttm 4.4).
Valuation inputs · SEC XBRL + stored EOD closeMarket capitalization is 28,707,409,870 and enterprise value is 39,823,409,870.
Valuation inputs · SEC XBRL + stored EOD closeDebate and risk review
A bull and a bear contest the claims and the chair rules on each; the risk review stress-tests what survived.
A bull and a bear argue the analysts' claims across two rounds, then a chair rules on each one. Only what survives feeds the score — the argument is shown, not hidden, so you can judge the reasoning yourself.
Citizens Financial Group's SEC filings show consistent top-line and bottom-line improvement over the cited period: reported revenues, net income, and diluted EPS all rose materially from Q1 2025 to Q2 2026, and the company reported share count reduction via large repurchases — evidence strength: strong (SEC-filed figures and repurchase amounts). Balance-sheet growth (total assets and deposits) and positive operating cash flow for the trailing twelve months accompany these results, supporting a constructive reading of fundamentals — evidence strength: moderate-to-strong. Market signals (positive short- and medium-term momentum, price above the 200-day with a historical golden cross, and an above-median dividend yield) and substantial institutional holdings provide corroborating market and ownership context — evidence strength: moderate. Counterpoints such as the increase in long-term debt, historical drawdowns, and routine risk-factor disclosures are noted in filings but are either offset by asset and equity growth or represent generic regulatory caution rather than company-specific failures; insider selling is present but mixed with small director acquisitions and large institutional ownership, so its signal is limited — evidence strength for these negatives: moderate-to-weak.
Chair's verdict, claim by claim
Fragility · computed, not argued
balanced0.32
38 surviving claims rest on 18 distinct sources; the heaviest analyst carries 18% of them, and 97% of what the desk raised survived the debate.
The evidence set rests on a moderate breadth of sources but a small number of contributors carry a noticeable share of surviving claims; that raises some concentration risk in inference. The very high survival rate from the desk's debate phase suggests robustness to internal scrutiny but also increases the chance that consistent assumptions or analyst dependence went unchallenged, so treat individual claims as informational rather than heavily weighted certainties.
Peer context · computed, not argued
12-1 momentum ranks 1st of 3 in Banks—Regional (as of 2026-09-01).
90-day volatility ranks 1st of 3 in Banks—Regional (as of 2026-09-01).
dividend yield ranks 3rd of 3 in Banks—Regional (as of 2026-09-01).
Disconfirming evidence · base rates · falsifiers
Context
Outside consensus, and where this name already sits in your own portfolio.
Third-party consensus shown for context. It never enters Moneyta sentiment — when the two diverge, the debate above is where the why lives.
What this was built from
Every figure on this page traces to one of these. The desk reads only what is listed here — no outside knowledge, no browsing — and each card shows who read it and what it contributed to the score.
19 filings· 2 cited
SEC XBRL filings
Quarterly figures as filed with the SEC, read straight from EDGAR's structured data — not retyped or estimated.
Read by Mercer+0.5 to the score
11 documents· 1 cited
SEC filing documents
The filings themselves, including the year-over-year comparison of Item 1A risk factors.
Read by Oakes+0.2 to the score
1 signal set
Moneyta signal set
Computed from our own end-of-day price history and ranked against the whole research universe. No AI involved.
Read by Nash+0.5 to the score
3 holdings records· 1 cited
Fund holdings
Which funds hold this name and at what weight, plus insider Form 4 filings.
Read by Ellis+0.5 to the score
5 headlines· 2 cited
News coverage
Recent headlines about this company, rating chatter excluded and nothing published after the report date.
Read by Yatesnothing survived
18 filings· 2 cited
Insider filings
Parsed Forms 3/4/5 from EDGAR: named insiders, share counts, prices, and 10b5-1 plan state — stated and inferred flags kept apart.
Read by Talbot−0.5 to the score
1 computation
Valuation inputs
TTM cash-flow figures from the company's own XBRL filings, priced with the stored closing price. Implied growth and multiples only; no fair-value dollar figure reaches the desk, by design.
Read by Archercontext only
1 record· 0 cited
Company profile
Sector, industry and company details.
1 record· 0 cited
Analyst consensus
Third-party consensus, shown for context only — it never enters Moneyta sentiment.
Read means we pulled and handed it to an analyst; cited means a claim on this page points at it. Reading twelve quarters to state one trend is normal — the gap is shown rather than hidden.
Written by AI, checked against sources
The analysts, the bull–bear debate and the editor's note are AI agents reading only the evidence listed on this page. They can misread a filing or a headline, which is why every claim cites a source you can open and check yourself. The sentiment score is arithmetic over the claims that survived the debate, not a language model's opinion.
Educational analysis of published data. Moneyta does not give investment advice or make recommendations. Past patterns do not indicate future results.
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Institutional holders
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Insider buys, 90 days
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Educational analysis of published data. Moneyta does not give investment advice or make recommendations.