The company identifies non-bank FinTechs and digital-only banks as a significant competitive threat, noting their ability to attract funds with lower cost structures. This pressure creates urgency for CFG to adopt new technologies to improve efficiency and enhance its own digital offerings.
Filing excerpt
The ability of non-banking financial institutions, including FinTech companies, to provide services previously limited to commercial banks has also intensified competition.
What this signalsFilings often name leadership changes, deals and spending plans.
Technologies
Competitors
sec-10kcompetitorNamedGet every 10-K signal for Citizens Financial and the companies you sell to, in the tools you already use.
Connect Autobound to Claude, Claude Code or Cursor with MCP. Then ask: “What changed at Citizens Financial this week?”
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This page shows a preview. The full sec-10k record in the Signal API and MCP can also have these 8 fields. Some fields are empty for some signals.
Company
linkedin_urlValue in the APIindustriesValue in the APIemployee_count_lowValue in the APIemployee_count_highValue in the APIrevenueValue in the APIdescriptionValue in the APISignal
signal_nameValue in the APIassociationValue in the APIGET /v1/signals/85adda7d-0dac-4b36-b1dc-fb15e702a56a returns this record as JSON. POST /v1/companies/enrich returns every signal for citizensbank.com.
{
"signal_id": "85adda7d-0dac-4b36-b1dc-fb15e702a56a",
"signal_type": "sec-10k",
"signal_subtype": "competitorNamed",
"detected_at": "2026-02-17T06:33:04.609+00:00",
"company": {
"name": "Citizens Financial",
"domain": "citizensbank.com"
},
"data": {
"detail": "The company identifies non-bank FinTechs and digital-only banks as a significant competitive threat, noting their ability to attract funds with lower cost structures. This pressure creates urgency for CFG to adopt new technologies to improve efficiency and enhance its own digital offerings.",
"metrics": {
"timeframe": "current_year"
},
"summary": "CFG faces intensified competition from FinTech companies and digital-only banking models.",
"excerpts": "The ability of non-banking financial institutions, including FinTech companies, to provide services previously limited to commercial banks has also intensified competition.",
"relevance": 0.8,
"sentiment": "negative",
"confidence": "high",
"source_url": "https://www.sec.gov/Archives/edgar/data/759944/000075994426000028/cfg-20251231.htm",
"filing_date": "2026-02-12",
"filing_year": 2026,
"fiscal_year_end": "12/31",
"sales_relevance": "Competitive intelligence",
"signal_category": "market",
"competitors_mentioned": [
"FinTech companies",
"digital-only banking models",
"Private Credit/Direct lenders"
],
"technologies_mentioned": [
"digital-only banking"
]
}
}
curl https://signals.autobound.ai/v1/signals/85adda7d-0dac-4b36-b1dc-fb15e702a56a \
-H "X-API-KEY: $AUTOBOUND_API_KEY"curl -X POST https://signals.autobound.ai/v1/companies/enrich \
-H "X-API-KEY: $AUTOBOUND_API_KEY" \
-H "Content-Type: application/json" \
-d '{"domain":"citizensbank.com","limit":20}'Long text fields are shortened on this page.
Looking up one signal by its id is free. Enrich costs 2 credits per signal returned; a call with no results is free.