Skip to main content

Overview

Citizens Financial Group, Inc. (NYSE: CFG) — Open Ledger

Citizens Financial's income statement and balance sheet, FY2021 through FY2026Q3, as a public, auditable plain-text Beancount ledger — reconstructed line by line from the company's own Form 10-K and 8-K filings and version-controlled in… Ledger notes

Financial position

Net worth and the accounts that make it up

Net Worth
Assets plus liabilities over the last 12 months
25,162 MUSD
Accounts
Asset and liability balances at September 30, 2026

Money movement

Monthly income and spending by account category

September 2026
Money in
September 2026
+2,322 MUSD
Top sources
Average of up to 3 preceding periods
—
View all
Money out
September 2026
-1,723 MUSD
Top spending
Average of up to 3 preceding periods
—
View all

Recent activity

Posting-aware activity from the journal

Transactions
Newest transactions matching the current dashboard filters

Income vs Expenses

Income vs Expenses
Bar chart comparing total income and expenses for each interval in the selected period.
Period data
PeriodIncomeExpensesNet Profit
2026-09-302,322 MUSD1,723 MUSD599 MUSD

Balance Sheet

Assets Distribution
Visual representation of Citizens Financial Group, Inc. (NYSE: CFG) — Open Ledger assets composition
Breakdown
AccountAmountShare of total
Assets:NonCurrent:OtherAssets16,676 MUSD7.11%
Assets:NonCurrent:LoansAndLeases148,227 MUSD63.22%
Assets:NonCurrent:HTM8,298 MUSD3.54%
Assets:NonCurrent:Goodwill8,220 MUSD3.51%
Assets:NonCurrent:BOLI3,493 MUSD1.49%
Assets:NonCurrent:AFS36,030 MUSD15.37%
Assets:Current:InterestBearingCash11,925 MUSD5.09%
Other1,595 MUSD0.68%
Liabilities Distribution
Visual representation of Citizens Financial Group, Inc. (NYSE: CFG) — Open Ledger liabilities composition
Breakdown
AccountAmountShare of total
Liabilities:Current:SeniorDebt7,318 MUSD3.5%
Liabilities:Current:OtherLiabilities6,242 MUSD2.98%
Liabilities:Current:FHLBAdvances7,613 MUSD3.64%
Liabilities:Current:DepositsNoninterest40,916 MUSD19.55%
Liabilities:Current:DepositsInterest144,312 MUSD68.95%
Other2,901 MUSD1.39%

Cash Flow

Cash Flow
Money flow from income sources to expenses and investments

Loading account roles…

README.md

Citizens Financial Group, Inc. (CFG) Financial Statements in Beancount — Open Ledger

Citizens Financial's income statement and balance sheet, FY2021 through FY2026Q3, as a public, auditable plain-text Beancount ledger — reconstructed line by line from the company's own Form 10-K and 8-K filings and version-controlled in git. Part of the Open Ledger project on beancount.io.

Browse it live: beancount.io/ledger/open_ledger/citizens-financial

Latest analysis: Citizens Q3 2026: EPS $1.41 (+34%) on NII Surge and Lower Provision

Key Figures

PeriodPeriod endRevenueNet income
FY20212021-12-316,6472,206
FY20222022-12-318,0211,960
FY20232023-12-318,2241,491
FY20242024-12-317,8091,372
FY20252025-12-318,2471,688
FY2026Q32026-09-302,322599

Amounts in MUSD (millions of US dollars), exactly as the ledger records them.

What's Inside

<One or two sentences: fiscal year end (and 52/53-week rule or fiscal-year change, if any), SEC CIK or home exchange, and the one structural fact a reader needs — a sector-specific account, a restatement, why history starts where it does.>

Quick Start

bash
uvx --from beancount bean-check main.bean
uvx --from beanquery bean-query main.bean \
  "SELECT year, sum(position) WHERE account ~ '^Income:Revenue' GROUP BY year ORDER BY year"

Zero output from bean-check means the ledger is internally consistent: every
income statement sums to zero and every balance-sheet snapshot reconciles to
the filed totals. The query prints revenue by calendar year; income is a
credit, so it shows as a negative number. Open main.bean in Fava
or import it into beancount.io to explore it visually.

Methodology

  • Balance sheet — pad / balance directives assert each period-end
    figure against the filing named in that period file's source banner.
  • Income statement — one zero-sum transaction per period: Income
    negative (credit), Expenses positive (debit), with the arithmetic check in
    a comment directly above it.
  • Unit — MUSD; 2,322 MUSD means 2,322 million US dollars.

Analysis

Corrections

Found a figure that does not match the filing? Email
[email protected] with the period, the account
and the filing page. Corrections are committed with the source cited.

About Open Ledger

Open Ledger is a growing library of public-company financial statements
published as plain-text accounting at
beancount.io/ledger — git-versioned, diffable
across companies, and auditable against primary filings. Read the analysis
behind the numbers on the beancount.io blog.

Disclaimer

This ledger is an independent reconstruction of Citizens Financial Group, Inc.'s publicly filed
financial statements, provided for educational and informational purposes
only. It is not investment, financial, legal, tax, or accounting advice, and
is not an offer or recommendation to buy or sell any security. Beancount.io is
not affiliated with, endorsed by, or sponsored by Citizens Financial Group, Inc.; all trademarks
belong to their respective owners. Figures may contain errors, omissions, or
simplifications and may lag the latest filings — the company's own regulatory
filings are the authoritative source. Provided "as is" without warranty of any
kind; use at your own risk.