The bank maintains a conservative capital position with an equity-to-assets ratio of 0.11, while total assets remain range-bound between $217.5 billion and $227.9 billion.
| Metric | TTM | Dec'25 | Dec'24 | Dec'23 | Dec'22 | Dec'21 | Dec'20 | Dec'19 | Dec'18 | Dec'17 | Dec'16 | Dec'15 | Dec'14 | Dec'13 | Dec'12 |
|---|
| Cash & Short Term Investments | 153.13B | 49.38B | 43.85B | 41.7B | 34.59B | 34.9B | 35.43B | 23.94B | 23.75B | 23.29B | 23.39B | 17.04B | 22.3B | 18.98B | 21.55B |
| Cash & Due from Banks | 12.33B | 12.73B | 11.24B | 12.03B | 10.85B | 9.47B | 13.04B | 3.68B | 4.22B | 3.22B | 4.14B | 3.44B | 3.65B | 2.99B | 3.19B |
| Short Term Investments | 0 | 36.66B | 32.61B | 29.67B | 23.74B | 25.43B | 22.39B | 20.25B | 19.53B | 20.07B | 19.25B | 13.6B | 18.66B | 15.99B | 18.36B |
| Total Investments | 188.24B | 44.59B | 178.51B | 182.58B | 188.51B | 157.14B | 150.13B | 142.66B | 138.06B | 132.5B | 128.39B | 113.65B | 113B | 103.12B | 103.8B |
| Investments Growth % | -69.33% | -75.02% | -2.23% | -3.15% | 19.96% | 4.67% | 5.24% | 3.33% | 4.19% | 3.2% | 12.97% | 0.58% | 9.58% | -0.65% | - |
| Long-Term Investments | 493.62B | 7.93B | 145.9B | 152.91B | 164.77B | 131.71B | 127.74B | 122.41B | 118.53B | 112.44B | 109.15B | 100.05B | 94.34B | 87.13B | 85.44B |
| Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill & Intangibles | 8.33B | 8.3B | 8.33B | 8.35B | 8.37B | 7.18B | 7.05B | 7.04B | 6.92B | 6.89B | 6.88B | 6.88B | 6.88B | 6.88B | 11.31B |
| Goodwill | 8.22B | 8.19B | 8.19B | 8.19B | 8.17B | 7.12B | 7.05B | 7.04B | 6.92B | 6.89B | 6.88B | 6.88B | 6.88B | 6.88B | 11.31B |
| Intangible Assets | 112M | 115M | 146M | 157M | 197M | 64M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PP&E (Net) | 874M | 915M | 875M | 895M | 844M | 768M | 759M | 761M | 791M | 685M | 601M | 595M | 595M | 592M | 643M |
| Other Assets | 18.14B | 17.87B | 17.54B | 16.96B | 16.7B | 12.31B | 10.45B | 9.06B | 7.64B | 5.89B | 5.8B | 9.69B | 4.78B | 4.35B | 4.7B |
| Total Current Assets | 12.33B | 191.33B | 44.88B | 42.85B | 36.04B | 36.44B | 37.35B | 26.45B | 26.64B | 26.43B | 27.09B | 21B | 26.27B | 23.21B | 24.96B |
| Total Non-Current Assets | 215.59B | 35.02B | 172.65B | 179.12B | 190.69B | 151.97B | 146B | 139.28B | 133.88B | 125.9B | 122.43B | 117.21B | 106.59B | 98.94B | 102.09B |
| Total Assets | 227.92B | 226.35B | 217.52B | 221.96B | 226.73B | 188.41B | 183.35B | 165.73B | 160.52B | 152.34B | 149.52B | 138.21B | 132.86B | 122.15B | 127.05B |
| Asset Growth % | 8.23% | 4.06% | -2% | -2.1% | 20.34% | 2.76% | 10.63% | 3.25% | 5.37% | 1.88% | 8.18% | 4.03% | 8.76% | -3.86% | - |
| Return on Assets (ROA) | 0.88% | 0.83% | 0.69% | 0.72% | 1% | 1.25% | 0.61% | 1.1% | 1.1% | 1.09% | 0.73% | 0.62% | 0.68% | -2.75% | 0.51% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 12.31B | 11.28B | 12.4B | 13.97B | 15.89B | 7.01B | 8.59B | 14.32B | 17.24B | 14.44B | 17.15B | 13.32B | 15.17B | 8.45B | 4.8B |
| Net Debt | -16M | -1.45B | 1.17B | 1.94B | 5.04B | -2.47B | -4.45B | 10.64B | 13.02B | 11.21B | 13.01B | 9.88B | 11.53B | 5.46B | 1.61B |
| Long-Term Debt | 12.26B | 11.22B | 10.41B | 13.47B | 15.89B | 6.93B | 8.35B | 14.05B | 14.43B | 11.77B | 12.79B | 9.89B | 4.64B | 1.41B | 694M |
| Short-Term Debt | 54M | 58M | 1.99B | 505M | 3M | 74M | 243M | 274M | 2.81B | 2.67B | 4.36B | 3.43B | 10.53B | 7.04B | 4.1B |
| Other Liabilities | 189.43B | 5.44B | 6.09B | 6.31B | 6.43B | 3.62B | 4.29B | 3.03B | 2.31B | 1.97B | 2.11B | 1.98B | 2.22B | 7.41B | 2.53B |
| Total Current Liabilities | 54M | 183.37B | 176.76B | 177.85B | 180.73B | 154.44B | 147.41B | 125.59B | 122.38B | 117.76B | 114.16B | 105.97B | 106.24B | 93.94B | 99.25B |
| Total Non-Current Liabilities | 201.69B | 16.66B | 16.5B | 19.77B | 22.32B | 10.55B | 13.27B | 17.95B | 17.32B | 14.31B | 15.61B | 12.59B | 7.35B | 9.01B | 3.67B |
| Total Liabilities | 201.75B | 200.03B | 193.27B | 197.62B | 203.04B | 164.99B | 160.68B | 143.53B | 139.7B | 132.07B | 129.77B | 118.56B | 113.59B | 102.96B | 102.92B |
| Total Equity | 26.17B | 26.32B | 24.25B | 24.34B | 23.69B | 23.42B | 22.67B | 22.2B | 20.82B | 20.27B | 19.75B | 19.65B | 19.27B | 19.2B | 24.13B |
| Equity Growth % | 23.07% | 8.51% | -0.36% | 2.75% | 1.15% | 3.29% | 2.13% | 6.65% | 2.7% | 2.65% | 0.51% | 1.96% | 0.38% | -20.44% | - |
| Equity / Assets (Capital Ratio) | 11.48% | 11.63% | 11.15% | 10.97% | 10.45% | 12.43% | 12.37% | 13.4% | 12.97% | 13.31% | 13.21% | 14.21% | 14.5% | 15.71% | 18.99% |
| Return on Equity (ROE) | 7.63% | 7.24% | 6.21% | 6.7% | 8.8% | 10.06% | 4.71% | 8.33% | 8.38% | 8.26% | 5.31% | 4.32% | 4.5% | -15.82% | 2.66% |
| Book Value per Share | 60.88 | 60.43 | 53.48 | 51.06 | 49.58 | 54.79 | 52.95 | 49.20 | 43.33 | 40.24 | 37.69 | 36.50 | 34.55 | 34.28 | 43.09 |
| Tangible BV per Share | 41.50 | 41.37 | 35.11 | 33.56 | 32.06 | 37.99 | 36.49 | 33.59 | 28.92 | 26.57 | 24.57 | 23.73 | 22.22 | 22.00 | 22.89 |
| Common Stock | 7M | 7M | 7M | 6M | 6M | 6M | 6M | 6M | 6M | 6M | 6M | 6M | 6M | 6M | 6M |
| Additional Paid-in Capital | 22.47B | 22.48B | 22.36B | 22.25B | 22.14B | 19B | 18.94B | 18.89B | 18.82B | 18.78B | 18.72B | 18.73B | 18.68B | 18.6B | 18.59B |
| Retained Earnings | 11.63B | 11.35B | 10.41B | 9.82B | 9.16B | 7.98B | 6.45B | 6.5B | 5.38B | 4.16B | 2.7B | 1.91B | 1.29B | 1.24B | 5.85B |
| Accumulated OCI | -2.09B | -1.97B | -3.6B | -3.76B | -4.56B | -665M | -60M | -411M | -1.1B | -820M | -668M | -387M | -372M | -648M | -312M |
| Treasury Stock | -7.96B | -7.65B | -7.05B | -5.99B | -5.07B | -4.92B | -4.62B | -4.35B | -3.13B | -2.11B | -1.26B | -858M | -336M | 0 | 0 |
| Preferred Stock | 2.11B | 2.11B | 2.11B | 2.01B | 2.01B | 2.01B | 1.97B | 1.57B | 840M | 247M | 247M | 247M | 0 | 0 | 0 |
Asset yield and margin pressure
According to quarterly balance sheet data, Citizens Financial Group's total assets have remained largely range-bound between $217.5 billion and $227.9 billion over the last ten quarters, suggesting that the bank is currently prioritizing balance sheet stability over aggressive expansion in a challenging interest rate environment.
The lack of meaningful asset growth indicates that the bank is struggling to find high-quality lending opportunities that meet its risk-adjusted return hurdles. Investors should monitor whether this stagnation reflects a defensive posture against potential credit deterioration or a fundamental inability to scale its digital lending platforms effectively.
Based on reported financial figures, the equity-to-assets ratio has remained consistently near 0.11 to 0.12, which suggests that management is maintaining a stable capital buffer despite the recent revenue headwinds and the volatility observed in the bank's provision for credit losses.
This capital positioning appears adequate for current regulatory requirements, yet it leaves limited room for significant inorganic growth or aggressive capital returns if earnings pressure persists. The stability of this ratio warrants further investigation into whether the bank is intentionally constraining its leverage to mitigate risks associated with its commercial real estate exposure.
As reported in recent financial statements, the bank's investment securities portfolio has fluctuated significantly, reaching $188.2 billion in 2026Q1, which indicates a heavy reliance on liquid assets to manage the bank's overall liquidity profile in the absence of robust loan growth.
The high concentration of investment securities relative to total assets suggests that the bank is sensitive to duration risk and potential unrealized losses in its portfolio. This liquidity strategy may provide a cushion against deposit volatility, but it also highlights the bank's current dependence on market-based yields rather than core loan-driven interest income.
Based on the provided data, the reported debt-to-equity ratio of 0.43% appears highly anomalous for a regional depository institution, suggesting that this figure may be derived from a non-standard definition of debt that excludes core deposit liabilities.
This outlier metric complicates a traditional leverage analysis and may mask the true extent of the bank's reliance on wholesale funding or other interest-bearing liabilities. Analysts should exercise caution when comparing this figure to peers, as it likely does not capture the full scope of the bank's financial obligations.
Quick answers to the most common questions about buying CFG-PH stock.
As of 2025, Citizens Financial Group, Inc. (CFG-PH) had total assets of $226.35B including $191.33B in current assets.
Citizens Financial Group, Inc. (CFG-PH) carries total debt of $11.28B. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
Citizens Financial Group, Inc. (CFG-PH) has total shareholders' equity (book value) of $26.32B ($60.43 book value per share). Book value represents the net worth of the company belonging to common stock holders.
Citizens Financial Group, Inc. (CFG-PH) reported a current ratio of 1.04x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.