Q3 2026 13F · SEC CIK 759944

Citizens Financial Group Inc/ri

Bank & trustFiled 2026-10-23 for Q3 2026. Open the filing ↗ · All SEC filings ↗

Reported 13F value: $8.6B
Reported positions: 1,148
Top holdings a year, 3 yrs: +19.1%
Average holding period: 9.6 yrs

Citizens Financial Group Inc/ri is a bank & trust that reported 1,148 positions worth $8.6B in its Q3 2026 13F, filed 2026-10-23. Its largest holdings were Vanguard Index Fds (VOO, 6.2%), Apple Inc (AAPL, 5.1%), Nvidia Corporation (NVDA, 4.4%). A portfolio copying its top holdings returned 19.1% a year over the last 3 years, against 20.4% for the S&P 500.

Citizens Financial Group Inc/ri holdings largest 50 of 1,148 positions.

Weights are shares of the filer's total reported 13F value, compared with Q2 2026. Share changes may reflect splits; weight changes also reflect price moves. A 13F shows long US-listed positions only, up to 135 days after the fact.

Citizens Financial Group Inc/ri 13F holdings
Stock	% of 13F value	Q2 2026	Shares	Share change	Reported value
VOOVanguard Index Fds	6.2%	6.3%	760,584	-0.0%	$533.1M
AAPLApple Inc	5.1%	4.7%	1,306,987	-3.6%	$435.3M
NVDANvidia Corporation	4.4%	4.0%	1,653,823	-0.1%	$378.1M
IVVIshares Tr	3.7%	4.0%	410,437	-7.4%	$314.3M
MSFTMicrosoft Corp	3.6%	2.7%	602,014	+0.2%	$308.8M
GOOGLAlphabet Inc	2.8%	3.1%	708,271	-1.7%	$243.7M
IJHIshares Tr	2.5%	2.9%	2,979,763	-3.1%	$214.4M
IEFAIshares Tr	2.5%	2.7%	2,184,959	-4.8%	$211.7M
SPYState Str Spdr S&p 500 ETF T	2.1%	2.2%	238,850	-0.4%	$182.2M
AMZNAmazon Com Inc	2.0%	2.0%	684,540	-0.3%	$170.6M
VEAVanguard Ftse Developed Markets Index Fu	1.9%	1.8%	2,267,133	+5.6%	$160.1M
IEMGIshares Inc	1.6%	1.7%	1,653,278	-0.8%	$134.2M
VTVVanguard Index Fds	1.5%	1.6%	599,085	-4.4%	$129.5M
METAMeta Platforms Inc	1.3%	1.1%	157,286	-1.0%	$114.1M
AVGOBroadcom Inc	1.3%	1.4%	324,034	+2.2%	$113.8M
JPMJpmorgan Chase & Co	1.3%	1.3%	336,027	+1.3%	$111.2M
MAMastercard Incorporated	1.2%	1.1%	183,845	-0.3%	$101.4M
BIVVanguard Bd Index Fds	1.1%	1.0%	1,275,891	+21.5%	$93.0M
IWMIshares Tr	1.1%	1.4%	333,636	-11.0%	$92.7M
GOOGAlphabet Inc	1.1%	1.1%	271,465	+5.8%	$92.5M
PGProcter & Gamble Co	1.0%	1.2%	612,144	-6.5%	$88.9M
LLYEli Lilly & Co	1.0%	1.1%	75,164	-1.2%	$87.0M
IUSGIshares Tr	1.0%	1.0%	424,581	-2.9%	$82.3M
BACBank of Amer Corp	0.9%	1.0%	1,454,415	+0.8%	$79.2M
QQQInvesco Qqq Tr	0.9%	1.0%	103,463	-4.4%	$76.6M
VOVanguard Index Fds	0.8%	0.8%	852,609	+2.5%	$66.9M
SCHFSchwab Strategic Tr	0.7%	0.7%	2,129,865	+2.9%	$58.5M
SPYGState Street Spdr Portfolio S&p 500 Grow	0.7%	0.7%	472,697	+2.6%	$58.2M
SPCXSpace Exploration Techn Corp	0.7%	—	382,509	—	$57.7M
ETNEaton Corp PLC	0.7%	0.7%	131,131	-2.8%	$56.3M
JNJJohnson & Johnson	0.7%	0.6%	210,788	+0.1%	$55.8M
XLKSelect Sector Spdr Tr	0.6%	0.6%	272,757	-0.6%	$53.4M
VBVanguard Index Fds	0.6%	0.7%	182,939	-1.1%	$52.0M
ABBVAbbvie Inc	0.6%	0.6%	196,701	-1.7%	$51.5M
VVisa Inc	0.6%	0.6%	134,409	-0.1%	$48.3M
EFAIshares Tr	0.5%	0.6%	429,697	-9.2%	$44.6M
GSGoldman Sachs Group Inc	0.5%	0.6%	48,529	+3.4%	$43.7M
VNQVanguard Index Fds	0.5%	0.6%	483,284	-1.9%	$43.3M
PWRQuanta Svcs Inc	0.5%	0.6%	66,442	-1.9%	$42.7M
JPSTJ P Morgan Exchange Traded F	0.5%	0.5%	844,028	+0.7%	$42.5M
KOCoca Cola Co	0.5%	0.5%	482,184	-0.4%	$41.7M
MDYState Str Spdr S&p Midcap 40	0.5%	0.5%	61,225	+2.9%	$40.2M
MRKMerck & Co Inc	0.4%	0.4%	262,163	+0.1%	$38.2M
BRK-BBerkshire Hathaway Inc Del	0.4%	0.5%	75,155	-5.1%	$37.4M
MUMicron Technology Inc	0.4%	—	34,957	—	$37.2M
XOMExxonmobil Holdings Corp	0.4%	—	226,478	—	$36.9M
TSLATesla Inc	0.4%	0.5%	96,761	+6.2%	$34.3M
QQQMInvesco Exch Traded Fd Tr II	0.4%	—	111,549	—	$34.0M
COSTCostco Wholesale Corporation	0.4%	0.4%	37,010	-3.2%	$33.7M
PHParker-Hannifin Corp	0.4%	0.4%	34,368	+0.2%	$32.8M

What Citizens Financial Group Inc/ri bought and sold in Q3 2026, against Q2 2026.

New positions

Q2 2026's filing was too long to tell new positions apart.

Added to

BIV Vanguard Bd Index Fds+21.5% shares
TSLA Tesla Inc+6.2% shares
GOOG Alphabet Inc+5.8% shares
VEA Vanguard Ftse Developed Markets Index Fu+5.6% shares

Reduced

IWM Ishares Tr-11.0% shares
EFA Ishares Tr-9.2% shares
IVV Ishares Tr-7.4% shares
PG Procter & Gamble Co-6.5% shares
BRK-B Berkshire Hathaway Inc Del-5.1% shares

Left the top 50

Share counts compared with the Q2 2026 13F; a split also changes share counts. The latest filing lists more than 50 positions, so a position that left the top 50 may still be held.

How the holdings did against the S&P 500.

1 year: +19.5% /yr; S&P 500 +20.1%
3 years: +19.1% /yr; S&P 500 +20.4%
5 years: +9.3% /yr; S&P 500 +11.6%

A portfolio of the filer's 20 largest 13F positions, weighted by value, bought the trading day after each 13F was filed and held until the next one was: what copying this filer could have earned. 13Fs show long US-listed positions only, so this is an estimate of the stock picks, not the fund's reported returns.

Reported 13F value by quarter.

13F value by quarter
Quarter	13F value	Positions
Q3 2026	$8.6B	1,148
Q2 2026	$8.3B	1,047
Q1 2026	$7.2B	837
Q4 2025	$7.5B	813
Q3 2025	$7.3B	796
Q2 2025	$6.2B	692
Q1 2025	$5.1B	615
Q4 2024	$5.1B	578
Q3 2024	$5.0B	561
Q2 2024	$4.5B	528
Q1 2024	$3.0B	404
Q4 2023	$2.9B	396

Questions about Citizens Financial Group Inc/ri's portfolio

What stocks does Citizens Financial Group Inc/ri own?

Citizens Financial Group Inc/ri's latest 13F, for Q3 2026 and filed Oct 23, 2026, lists 1,148 positions worth $8.6B. The largest are Vanguard Index Fds (VOO) at 6.2%, Apple Inc (AAPL) at 5.1%, Nvidia Corporation (NVDA) at 4.4%, Ishares Tr (IVV) at 3.7% and Microsoft Corp (MSFT) at 3.6%.

What did Citizens Financial Group Inc/ri buy last quarter?

In Q3 2026, Citizens Financial Group Inc/ri added Vanguard Bd Index Fds (BIV) (+21.5% shares), Tesla Inc (TSLA) (+6.2% shares) and Alphabet Inc (GOOG) (+5.8% shares), compared with its Q2 2026 filing.

What did Citizens Financial Group Inc/ri sell last quarter?

In Q3 2026, Citizens Financial Group Inc/ri cut from its top 50 Caterpillar Inc (CAT), cut from its top 50 Home Depot Inc (HD), cut from its top 50 Ishares Tr (SUB), cut from its top 50 Cisco Sys Inc (CSCO), Ishares Tr (IWM) (-11.0% shares), Ishares Tr (EFA) (-9.2% shares) and Ishares Tr (IVV) (-7.4% shares), compared with its Q2 2026 filing.

How has Citizens Financial Group Inc/ri's portfolio performed?

A portfolio copying Citizens Financial Group Inc/ri's 20 largest 13F holdings each quarter, from the day each filing was public, returned +19.1% a year over the last 3 years, against +20.4% for the S&P 500. Over 1 year: +19.5% against +20.1%. Over 5 years: +9.3% a year against +11.6%.

When is Citizens Financial Group Inc/ri's next 13F filing due?

13F filings are due 45 days after each quarter ends. Citizens Financial Group Inc/ri's filing for the quarter ending Dec 31, 2026 is due by Feb 14, 2027; this page updates the day after it is published.