The company identifies intensified competition from FinTechs and digital-only banks, which can offer higher deposit rates due to lower cost structures. This competitive pressure is a major catalyst for CFG's own digital transformation and efficiency initiatives to protect market share.
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-10kdigitalTransformationGet 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?”
The Signal API returns 10-K signals for any list of companies as JSON, for your CRM, warehouse or app.
Sign up and spend your free credits on the companies you sell to.
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/0c1b8706-3c1e-4451-a318-9386959e45b9 returns this record as JSON. POST /v1/companies/enrich returns every signal for citizensbank.com.
{
"signal_id": "0c1b8706-3c1e-4451-a318-9386959e45b9",
"signal_type": "sec-10k",
"signal_subtype": "digitalTransformation",
"detected_at": "2026-02-17T06:33:04.609+00:00",
"company": {
"name": "Citizens Financial",
"domain": "citizensbank.com"
},
"data": {
"detail": "The company identifies intensified competition from FinTechs and digital-only banks, which can offer higher deposit rates due to lower cost structures. This competitive pressure is a major catalyst for CFG's own digital transformation and efficiency initiatives to protect market share.",
"metrics": {
"timeframe": "current_year"
},
"summary": "CFG faces rising competition from lower-cost, digital-only banks and FinTechs.",
"excerpts": "The ability of non-banking financial institutions, including FinTech companies, to provide services previously limited to commercial banks has also intensified competition.",
"relevance": 0.7,
"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": "Multi-year tech investment",
"signal_category": "strategic",
"competitors_mentioned": [
"FinTech companies"
],
"technologies_mentioned": [
"digital-only banking models"
]
}
}
curl https://signals.autobound.ai/v1/signals/0c1b8706-3c1e-4451-a318-9386959e45b9 \
-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.